title deed and closing off the account

we have paid up our house last year May 2014, we are send from Pillar to post to get a title deed for starters, last month March 2015 we discovered that we now owing 6 thousand plus on the account (bond account) since we didn't close it and the title deed cannot be released due to the amount owed, we have now again settled the 6 thousand rand plus last week and today 16 April 2015 we are told we cannot have the account closed since the insurance is deducting from this account, is this how things should be. the account is accumulating and my fear is that 5 years down the line we will be owing the bank so much and we cannot have our house on our name.