*********** staff with poor communication s****s.Improper handling of the account.

My credit card was de*****ed years back. I reported it to STD Bank ***** dept.and the consultant told me to just pay as there's nothing that the Bank could do.At the time the balance was about R78 000.I started paying but with interest accumulating it took years for balance to go down.I ended up being under debt review.Beginning of the year with my son going to Tertiary I missed out payments.Then my account was under account recoveries then made arrangement to pay from April which I have paid till July,but to my dismay STD bank has handed me over despite the arrangement made and my honouring agreement to date.I phoned their complaints dept. needing to confirm the outstanding .Luyanda told me the account has been sold to MBD and he cannot give me any information with regards to this account. I ask him how so and what procedure was followed for the account to be sold without me receiving any notification from the Bank.I have paid more than R200 000,currently my outstanding balance should be standing at about R23 566 ,now I have to pay with legal fees.I feel this is a complete rip-off and the Bank is unfairly using customers to maintain their business partnership with MBD.I received a call from MBD but I dropped it when they mentioned she's calling from Std.Bank I hung up after telling her that I had made an arrangement with the Bank and my payments were up to date,last payment 21 July 2020. I am in a serious financial constraint and cannot afford to pay legal fees.I do not want to engage with MBD as they may give me a different bank account number for money to go to their account. Kindly advise as to whether do I continue making payment to the Standard bank account as per our prior arrangement as they have been acknowledging payments by email and confirming balance telephonically whenever I called them.