Debt Review

They have ruined my credit accounts prospects. My bank has closed all my debit orders, which I am paying them at the ATM machines. I have two home loans and revolving accounts with my bank of which the first home loan was paid within 6 years and the second to be put paid up after 10 years which are terminated, and my bank can't increase my overs drafts and debit accounts, shops won't allowed me to open accounts. They phoned and promise to cut down my debits at 40%-50% by settling them on my behalf , but not telling and explaining that you are prolonging your due date installments to them. They make you close your existing cheque accounts and open a saving account and send the details to them. I was put on debt review by just not agreeing to their offer/contract and not paying their cancellation fee of R4500-00.