I am on debt review. I took a personal loan of R48000 in 2012. My installment was R1537. I paid till 2016 then i went on debt review. My Balance at that time was R24500. But now in 2021 after i paid my debt review installment for 5 years i was told by Capitec that my balance is R23362. When i queried i was told that i was being charged ontractual interest. The interest that was added was more that the installment that i was paying. For 5 years Capitec bank failed to inform me that curial bit of information. After 5 years i had to find out the hard way. This bank didnt act in good faith towards me and they are refusing to assist me. 😭