Capitec bank *****

I have posted reviews about the recklessness of Capitec bank in lending money and opening accounts for random people without proper screening but they refuse to acknowledge any fault on their side but just say their is nothing they can do about my debt with them. They call and harass me on a daily basis and also threaten legal action against me. They have crippled me financially but they still demand exorbitant amounts of money from me which I don't have. I have reached a stage now where I have to rely on friends and family for support because I don't have any money for my daily expenses so how do I commit to pay them for reckless lending and opening accounts for ****sters. They will probably call me after seeing this review only to say their is nothing they can do to help me