African bank closure of account

Hi good evening. My name is La-eeka Gabier. I had a credit card at African bank which l paid in full in 2021 at Belhar branch and got a closure letter. In 2023 they contacted me saying l must make payment of R998. I was unemployed at that moment and lost everything due to a fire. I went to their Somerset west branch and on the system showed l owe R468 which l then paid in full again and got another letter of closure of account. African bank deduct without my authorisation up to R1200 from my account last month for credit card and then handed me over to attorneys saying I never made payment. The attorneys informed me if l don't pay within 3 days then I will be liable for the fees up to R6000 on admin from their side and l will be taken to court as well. I only recently started working again and my earnings are less then R4 500p/m. The attorneys do not review the 2021 settlement but on the 2023 settlement and R998 l apparently still owe African bank. Even after their branches emailed, faxed and telephonicly contacted them to close the account at their head office in Joburg. I'm totally frustrated and angry as this gives me a bad credit review. I really desperately need help. Is there anyone who can please assist me.