Get blacklisted, but still paying monthly

I have been a client at Absa Bank since 1981, never had a bad name by them. I was retrenched in June 2018 and still battling to find work. Even that I have no Income I let Absa know that I was retrenched and are still unemployed and that I will still make payments as what I can afford to pay on my credit card as well as on my overdraft account. I have received emails from their lawyers that I have to make a full payment or they will take legal actions against me, I am paying monthly since I was retrenched to them every month, how can they blacklisted a person if you are making payments every month????? I am sure a lot of people have the same issues.