Nedbank Bond Interest Calculation questionable, seeking legal clarity.

When paying extra on a Home Loan, the capital reduces, however Nedbank hold back excess amounts paid too falsely increase capital and then calculate interest. This is surely misleading, possible ***** and *******.... It's time for a major shakeup in the SA banking Industry... Nedbank have been ripping us off for too long!!!!! Any new Home Loan Seekers, Stay away from Nedbank, in fact we should all drop Nedbank in regards to all services. Moody's must take SA's trash, rip-off banking industry into account when they rate us next! How can we build a nation when we are cheated like this? Cyril, Please listen to us!!!