Unjust debt management

I found myself in a tricky financial situation due to personal circumstances and later due to the pandemic which saw me fall behind with my monthly payments. Once I stabilized I set up payment plans in order to catch up and close off my accounts. I've been on a plan with this company for one of my accounts, it was an exponential amount admittedly, and I asked to stay on a minimum payment plan until I can increase it. The amount currently (bare in Mind - I've been paying for 6 months) is MUCH more than what it was when I started. Having asked for a statement I've seen a few additional costs that will probably see me paying this off for the rest of my life at this rate. . My statement shows that interest is added TWICE every month and these amounts are not fixed and vary any where from R50-R600 in addition to that: Costs for debtor consultation - R59. 80 Phone call - R24.15 Payment reminders sms - R2.53 (a normal sms cost is 30c!!!!!) I also have direct debit set up I DO NOT NEED A REMINDER! Other expenses not catered for R24.15 WHAT THE HELL IS THIS?! Collection fee R46 Settlement letter R47.15 - R47. 15 to have something emailed too me :(

It doesn't make sense, how are people meant to correct these things if we are kept in this vicious and impossible cycle. This is not smart, not fair or even just. How do people move forward, how do we fix our mistakes if there is seemingly no point. I'm not happy, in fact this is causing me so much anxiety and stress I can barely breathe.