NEDBANK HOMELOAN DEPARTMENT MAKES NO SENSE!!!

Requested a settlement letter only to realize that my settlement would be more than my current outstanding amount. There is no winning with dealing with Nedbank. Our bond repayment jumped by more than R2000 per month on a R360 000 loan. How is this even possible!!!! After contacting Nedbank I have more questions than answers. On my statement is says that my account was registered October 2005, but according to the consultant I spoke to the contract ends April 2023 therefor the reason that I have to pay the remaining 5 months on my bond account in a recalculated installment with in increase of over R2000 per month. Further more if I want to settle my bond I still need to cancel my bond after it has been paid up by way of appointing a lawyer (which Nedbank will appoint) to handle the cancellation and arrange for me to get my title deed. This will cost in the region of R 5000. I can not comprehend why I need to pay a lawyer for my title deed and get the account cancelled.