Get Blacklisted but are still paying monthly as what a person can afford after this lockdown period.

I have a business account with FNB for 5 years now. after the lockdown that took place because of the covid-19 epidemic, many businesses are struggling to get back on their feet and some have to close down. I am trading and struggling to get business in but still made monthly payments to them, even while no business was coming in and we couldn't trade because of the lockdown, but I made sure to make payments as I could. I have received an email from their Lawyers as well as phone calls that I must pay the amount in full or legal actions will be taken against my business, now my business account was also closed by them without informing me at all. I had to get in contact with the lawyers to inform them that my account is closed and in what account I can make payments now after I've been closed down. How can they put your name down as blacklisted and ruin a business name, if you are still trading and you are still making payments not to be blacklisted??? I am sure a lot of other business owners have the same problems.