Discovery Credit Card

i have a discovery credit card that i maxed out a few years ago, there was then an arrangement **** to pay a certain amount which i stuck by in paying every month. i was then retrenched because of COVID end of July 2020 so i was looking for a grace period so that i can just find another job. I started by phoning the number on my statement ***, they couldn't assist me in any way. I then phoned FNB because its a FNB credit card, they also couldn't help and said it a matter for discovery to sort out. Then they gave me another number ***, still no help, then Discovery Bank Covid ***65 AND STILL NO HELP. I can also phone *** option 3 for claims then a lady MPOMOSI at one of the numbers said i must send an email to *** I can also phone *** option 3 for claims. NOW fter all i have done from my side, still no one came back to me. i then got a call from BARRETT & ASSOCIATES and said that FNB ACCOUNT *** QUOTE *** was handed over to them and i need to make a payment of R1060 per month. I then told her that i am unemployed and will try to make payments BUT surely there should be a insurance that can pay out when something like this happens. She then said that she will not be able to assist and that i need to contact the bank WHICH I DID NUMERIOUS TIMES WITH NO SUCCSESS. Now, nobody even phoned or notified me that they are handing over my account and if there is anything that i can do. Now what can i do now?