KWID WORTH 500-000

In 2022 I got financed by MFC for a vehicle that was worth 209000 and I was supposed to pay R3500 of installments over 72 months. Until I had financial crisis and instead of skipping payments I decided to join a debt review so they can restructure my monthly installments and they did, and decreased my installments with R 700 and the debit order went through each month never skipped payments. And when my finances restored I cancelled the debt review and continued paying the account directly and I have recently asked MFC,I asked them to email me a statement and to my surprise the current balance is close to R500-000 that says I have to pay it in 132 months ..WHY WOULD I PAY R500-000 FOR A KWID ?