Never ending misery.....I banked with FNB for a long time it was good until I was frustrated

<p>Hi, I had an account with FNB and Revolving account for R27k I switched banks to another bank in 2015 however the FNB account was never switched by mistake. Later I was notifed that they are now putting me to lawyers. The lawyers called me and we made an arrangement fro payments. I could afford a R1000 a month then I went back to FNB branch in Davenport to try to close the accounts since they have handed me over to lawyers. I was sent back and froth spoke to JHB consultants and I also asked that they close my account which didnt happen because the Cheque account now is in areas for nothing and Im told i owe them R17k which I have no idea where and how I will get their money. The Revolving account I am aware of and I am in the process to pay but this Cheque account costs are beyond my understanding. please somebody help tell me what to do to gt this resolved. this has tarnished by credit record very bad. why are they not shutting down the account because it keeps charging me. what are my rights as a consumer?</p>