Unfair Interests/ institutionalized ******

I app**** for covid 19 relief since my small ehailing taxi business was struggling at the time. Wesbank indeed gave me relief for 3 months and gave me an impression that they will only extend the term for the 3months that i wasn't paying. To my surprise, not only did they extend my term , they increased my installment as well with a whole R300 , no explanation whatsoever, just an email threatening that if i don't accept i will be blacklisted. It has now dawned on me that indeed Wesbank is discriminatory towards black clients because my interests are absolutely absurd. Imagine guys my interest rate is Prime which is 7% plus a whopping 12,75% on top meaning its 19,75% but i have an excellent credit record. I don't know how a person with an excellent credit history plus rating can be charged so much interest unless if it's institutionalized ******. A whole 19.75 % interest. R4763 per month for a second hand nissan almera. Please guys review the interests that you're charging me , be reasonable