Settlement amount does not add up.

Today I phoned the call centre regarding my outstanding balance on my personal loan. To date I have paid 20 of my 60 installments (or 33.34%). They are telling me my outstanding amount is around 80%. So basically I have paid only 20% of my loan to date.<br> <br> Not only that, I have worked out what I have been paying monthly since the start and that amounts to about 60%. So in theory, my settlement amount (which they state is slightly more than my outstanding amount) should then be around 40% to conclude the loan. Not 80%.<br> <br> Insurance fee and interest fee does not make part of the repayment, I understand, but that will not result in what I have said above.<br> <br> I would appreciate feedback, especially in the form of an email.