Double Deduction and Harassment Since 2011

I took a loan on 7/6/2010 for R30,000.00. I got retrenched at the end of 2010 and my retrenchment insurance was paid out on 8/7/2011 in amount of 12,500.00, which was automatically put into my loan account. From that date until now, they have not taken that payment into consideration and had in fact demanded full instalment payment for the same month, which would have meant I would be finished payments 11 months earlier. Since then I have been harassed every month for the same instalment payment amount, when it was agreed upon that I would actually pay the interest every month for a year because of the large payment made. They TOOK the full amount for 6 months after the payment, and only stopped after I took legal action against them. They tried every couple months to take the full amount, and I would reverse them. In January 2012 they started telling me I was in-arrears. They handed me over for collection on the 6/3/2012. This month they took a double payment, causing other stop orders to bounce.