*********** consultants

i want to settle my accounts as i an under debt review! i got a very stupid response where an FNB consultant told me to close my cheque account so that i don't have an overdraft??? i tried to decrease my limit but it gives me error code 14323?? how can i settle my accounts and surely i can get some form of settlement discount if i settle my accounts?? can someone that is not *********** please assist me urgently???