Bank Charges for an Inactive Account

My account with FNB has been inactive for quite some time. I think the last salary paid into this account was in March of last year , I sent an email informing the virtual branch that the account would not be active due to me being placed under debt review. I have been called and harassed now by attorneys because I now owe almost 4000 rand in bank charges? How does this accumulate to this amount over a year? The creditors were informed that I was under debt review and should not have been debiting. Then to top it off , I get a call that the smart device payment for January 2014 didn't go off my account , R74 , more than a year later? <br> Can someone please help me , I need bank statements and clarity on this. I am under debt review as is and cant afford much else.