CashCall, Inc. Consumer Loan Complaint

CashCall, Inc. Consumer loan department,

Installment loan Problems when you are unable to pay Texas

I took out a loan with - - in - 2013 for $5000.00. It was sold to Cash Call for servicing immediately and then to - -. It is now back to Cash Call. There are multiple lawsuits in progress right now against them and I offered to pay back the principal of what I owed to take care of the loan. To date, I have paid $3800.00 and they say my principal is still $4300.00. How can I make payments for over 2 years and only take $700.00 off the principal? I made an offer to pay them $1100.00 and change to pay back the original $5000.00 but they said they would only accept an offer of 80 % of the principal remaining so the best offer would be an additional $3400.00 which would give me an effective interest rate of around 30 %. I understand that I am lucky in that some consumers have paid back more than double what they borrowed but I still believe 30 % is too high.