bond statement

can someone phone me and explain to me why my bond instalment is so high with outstanding interest I really don't understand, I have been in this house for 4 years now but the outstanding balance is ***** above the loan amount I requested to buy a house wish was 380 000 but now the outstanding balance is 396 026.88 with the interest not yet charged of 2 732.14. now standard bank send me a letter letting me that the interest went up by 11.20%.again they said they will be a debit order of R366.08 wish I don't understand what is that for, I called them and ****ked to the lady from call centre she explained but ***** don't understand y do I need to pay such money .I have send the a letter faxed and emailed it but ***** no feed back from them. hello peter please help I don't want to find myself in a situation where by I cant pay my house.