Capitec bank demolished my name

I took Capitec bank personal loan 2018. To cut the long story short, I fell pregnant then I called Capitec bank to inform them that I would not be able to pay according to our agreement. As my salary would drop due to some allowances cut off they told me to go to the branch. I went to one of their branch at Gauteng and even went to Secunda branch to explain my situation. I even took doctor's letter as my pregnancy was already showing as proof and a letter from work as proof also. At Secunda the lady that assisted me sent an email of my documents and even called them same applies to Gauteng branch the guy made a phone call without any help. Afterwards I received calls from Capitec bank about payment but I would explain same thing everytime (I wanted to make new payment arrangement). Then I received a call from Vertex they said they were calling on behalf of Capitec bank. They said I have to make payment arrangement with them. Which I did, I paid Vertex up to date. Now I went for home loan which I qualified for but now they told me I am under dept counselling which I didn't know (Vertex) and I still owe Capitec bank according to their check. It seems like now I have two accounts that I am owing with different amounts. By the time I agree to payment arrangement with Vertex I thought it was Capitec bank dept since they called on behalf of Capitec bank. Honestly I don't know Vertex. When I go to Capitec bank (Secunda branch) Vertex does reflect on my account. My home loan (the bank) only wanted paid up letter from Capitec so that it would be a prove that I owe Vertex only. Capitec bank failed to give me that letter, I've been paying Capitec bank in vain now I pay Vertex and my name has been ruined. I NEED MY NAME CLEANED. Please help, Capitec I've been paying you for years. I've never run away from my dept nor ignore phone calls from Capitec bank. I am always cooperating. I made means to go to branches to sort this out. In all my dept I am a very good payer, I even make advance payment