Using the worst debt collectors

I contacted capitec bank and they were not helpful giving me limited info on debts that I want to settle I was reffered to Ara and they wasted my time I had to call I'm continuously and was promised callbacks that I did not recieve from Mrs Davids and I wasted money buying a credit report to solve and settle this it's the most putrid service I ever received from my unfriendly bank staff and the debt collectors they work with I won't be paying my debts and I will be closing my capitec account won't recommend capiteç to any one