Very angry

I was called by MBD beginning of the year to settle the account in full which was about R70 000 or R85 000 in 3 equal installments (85 000/3) I didn't have that amount, now when I want to settle they are telling me that the amount is R108 000. How can that be as I was paying installments each and every month? This company will send me to death really I'm tired of them that's why I want to settle but now the amount is more than the loan amount that I took from Capitec. How can one fight this company? Worse part their consultants are very rude I'm still waiting for the statement with breakdown of what they are charging me. This company is preying on us the poor and I wonder how government allows this to happen. One will never be free if your debt is handed to this company