Blacklisting for EMPLOYEE for training Money 2012

May 2012 I joined Capitec Bank as a consultant then in April 2013 i resigned. in January 2014 i contacted them to find out if there was anything outstanding from my side, I was advised by Donna Isaacs that there was nothing owing(telephonically) i then sent an email to confirm what she had said but she did not respond and this is when i was withdrawing my pension which i was advised that it would not be paid out if i have any monies owing- IT WAS PAIDOUT.(i still got a salary in April 2013). November 2014 i got in touch with Moerieda Peters who was not helpful - this is after i was called by Some collections company, it took a year to get feedback from her regarding why i was not called to be notified of the amount owing. she referred me to Bham and Dhaya Attorneys whom i phoned to make arrangements with them to pay R200 monthly which i did for 2 months until i was phoned by Chanelle from Heyns &Partners to collect the same money that i'm currently paying to Bham and Dhaya. when i asked why she was collecting she sent me my payslip from when i was with Capitec. she never got back to me and today to my surprise a Summons was delivered at my house.HOW THE HELL WAS I MEANT TO PAY