Second loan Payment after 5 years of finishing the first one without informing client

<p>In 2008 i have borrowed money from RCS, within 6 months i have borrowed again, i was never received a contract of my loans. In 2009 i went to debt counseling, they were paying on myhalf. then in 2013 I have decided to withdraw from debt counseling and then I started to request for my balance on the loan and I was told that my loan is finished actually I finished paying my loan and I have over paid they will refund the amount of R2000 of which they did. Later on they told me that I still owe the second loan that I have app**** for in 2008, then I was surprised because I was told that my loan is finished they have said know that other long I mean the second loan I haven't started paying it They have never told me that I will start paying the second loan when I'm finish paying the first one that was in 2013 and the balance was between R14000 and R18000 I had to make arrangement of repairing back the loan but because of this amount was very high I was only managing to pay 50 rand a hundred rand every month since when I do not have a stable job in November 2016 I have contacted them to request the balance and the balance was R13000 and also requested a settlement discount because my husband wanted to assist me to pay off the account but because of the settlement discount was still very high I couldn't and I told them that I will keep on paying that R50 every month they have offered a settlement discount of R10901 I told them that know we cannot afford that amount because my husband he wants to assist me to get rid of this account and they told me that there's nothing they can do I have to pay that amount and I said to them but remember all along I didn't know about this account I only know that both loans are combined and the amount that I was paying for the previous loan was included to this loan so now suddenly after 5 years you now telling me that I still owe the second loan is this fair? I have contacted RCS directly and they told me that there's nothing they can do this matter is with the attorneys I have to deal with the attorneys.</p> <p> </p> <p>Please help resolving this matter it's really frustrating and stressing, I do not have peace.</p> <p> </p>