Robbing game

I went to Vantage to be placed under debt review so that I can pay a more affordable rate on my debt but they are robbing me. I pay R2500 a month of which they only pay R600 to the banks and keep the rest for themselves. I'm immediately stopping payment because I would be better off getting blacklisted after they sent me a email informing me the bank wants to take me to court. It would be better paying off a garnish on my pay because I would be paying less! By law a garnish order can't be more than 25 percent of your pay and at the moment I was paying more than that!