Tired of Nedbank loan that doesn't want to end

I have been trying to negotiate with Nedbank since last year with no success.. I have a Nedbank personal loan which is in arrears for a long time. I had financial difficulties and I stop paying my installment however I went back to arrange with Nedbank to start paying. My husband gave me R 46000 to settle the loan, I was advised they can only give me 30% off that was in 2021. This year again I asked for a settlement over the phone and my balance was R52000 which I request to settle over 2 months as I only have 46000, to my suprise I received settlement letter with a total amount of R 60000 how on earth did they come up with that amount. Since last year I kept receiving same figure but I have been paying 3k monthly and I was told interest has been stopped because that account is over 7 years now. Can this bank get their things right, I can't receive different amounts every time. Its like Nedbank doesn't want me to finish off this loan which is affecting my credit profile badly. I'm getting tired of this nonsense. Can someone who has facts please call me and make me understand what's happening with their loans department