BROOKS AND LUYT & NEDBANK ITC problems on Arrear Accounts

My wife has been struggling for quite some time to get a detailed statement on what her debt with Nedbank is. The attorneys did promise to sent her detailed statement but to date nothing. Only thing is the lot of messages and phone calls she receives with offers of up to 60% discount on debt. How can you accept settlement offers if you do not know what your real debt are for all these years? According to agents that are calling the amount she seems to owe for all these years that she experience financial difficulties ( was unemployed for some time ) are now double( strange that it is almost the same amount that I also according to them seems to owe Nedbank which make things complicated and make one think?) My wife a few weeks ago ask for settlement, but request real amount that she owe but to date Nedbank did not seem to respond to the attorneys requests that has been submitted. In meantime my wife has been ****med and has the money she kept in her bank account for those purpose been withdrawn by *****sters. Know she do not answer unknown calls and are still requesting Nedbank and these external attorneys to sent detailed statement to her email address which are suppose to be on their systems since debt has been handed over to attorneys as well as attending to her offer to settle, but do we need to agree first on what is really owing. Nedbank is also putting the amount that is unknown and in question on my wife's ITC as an installment ( SUCH A HUGE AMOUNT WHICH IS MORE THAT WHAT SHE IS GETTING AS A SALARY ) which make it difficult to do business and try to get out of this debt and start a fresh especially after COVID as this is when things really starts to get difficult.