FNB has written-off my account as bad debt

HelloPeter<br> <br> I have an account at FNB listed on ITC as a default (Bad Debt Written Off) dated 2014/09/06 whereas, I have been paying this account via FNB's legal representative from September 2012 and never skipped a payment. <br> <br> Actually I have three accounts which are paid via FNB's legal representatives: <br> <br> (1) FNB Credit Card - Law Firm - MBD Attorney's - Paying sinceSeptember 2012<br> <br> (2) FNB Revolving Credit - Law Firm - CMC Attorney's - Paying since September 2012<br> <br> (3) FNB Loan - Law Firm - CMC Attorney's - Paying since September 2012.<br> <br> I have been paying these accounts since end of September 2012, it is only now that the Revolving Credit is listed as a Default. Is this the official FNB policy ? After paying these accounts for 2 years.<br> <br> Should I continue paying via the lawyers after 2 years? Why not FNB directly?<br>