dissatisfied and feeling drained

i have a problem with my standard bank home loans. i took a bond in 2004 april and started paying the monthly payments as agreed. i paid the agreed amount for 36 months then took an access bond on an existing bond, which i paid the new agreed monthly payment for 24 months. after 24 months i increased my monthly payment with R600 and i remember not defaulting. i paid the agreed new monthly payment for 156 months(13 years). until august 2022. i believe i finished my bond long ago, after resigning from my job, i called standard bank home loans several times so that i can settle the bond and i was told that i can't as this will make me lose credit credibility. now 4 months ago, i received a letter from legal collections department saying my account as been in arrears for 14 months, while they didn't inform me in time. the total amount i paid on my bond loan of R203 965 IS R 446 400-00. YET I WAS CALLED TO START MAKING PAYMENT ON MY BOND OR IT WILL BE REPOSSESSED AND AUCTIONED. Thats the only home my kids know. please i need help and advice .