Help

I made a loan long time ago and my husband lost his job like 10 years ago. I am the only bread winner, as you know the unemployment is a very serious issue all over. I want to pay all my debts but since 2009 if i am corect i app**** for Debt administration of which I pay off some of my account through debt uadministration but since I added Bayport I will sign contract with the debt administrators and pay to installments then bang the third month i receive an cancellation letter from the debt administrators informing me that my contract has expired. when i contacted the debt administrators then they informed me that Bayport refuse to hand me over. My question is for example I pay an amount of R2500 to a debt company with all debtors listed and Bayport wants me to pay them a R2500 a month so what is the purpose of being under debt review. When I get divorced my ex-husband left me with 2 kids ages 10 and 1 year and allot of debts most of the debts was on his name but because we were married in community of property, I had to clear my name. So, I started with debt administration who helped me to pay off most of my accounts. Can you imagine i owe Bayport 64 thousand including they charges and admin and other charges, at the present moment the amount accumulated to over 100 thousand now.

Kindly need helps on what to do.