NO HELP TO MAKE PAYMENTS

Ok quite frankly im sick and tired of NO COMMUNICATION. i have 3 outstanding accounts im trying to deal with with their unprpfesional hounds bullying us. And when you try and sort these accounts out the next bully comes in and said the account has been handed over to them without any knowledge or communication from the banks. Now who the hell am i suppose to pay now? Ive asked FNB to tell me who is handling what so i can deal with those directly. Yet i have debit orders going to those companies thats apparently not handling this anymore. NOW WHERE IS MY MONEY ACTUALLY GOING? And nobody seems to wanna help.