Completely unfair

I haven't been using my account for some time which resulted to now me owing the bank.i called a consultant and they said I must transfer money to the account as a way of paying the account in full. I can only close the account when I pay the amount however. I have been paying R150 per month and the amount never decreases. Its completely unfair especially trying to make a living during covid-19. I only recieved an updated months later and my final date of paying this account should be in November but by the look of things.