No statement, charged non existing interest, debit

I lost my job in November 2013 and the collections department kept calling me to pay while I explained to them that I had no job so could not continue paying for my accounts. My accounts where moved to Legal and collections and eventually handed over. In 2014 I started making a means to pay and eventually made arrangements to pay as follows Credit card 500, revolving loan 500, over draft 500 and smart device 200 FNB sent me sms's and emails saying my accounts are revoked, credit facilities have been cancelled and accounts have been closed. I still have debits that run from close accounts, they accumulate interest and I'm still charged for monthly fees. To add salt to the wound my payments are not reflecting with Transunion and this reflect bad credit that I am paying for every month. I would like FNB to know that I will not be paying for these accounts until everything is corrected - my over draft has escalated to an anostishing 48000.00 to date. If the accounts have been blocked does that not mean that all interests are stopped especially taking into account that I have made arrangements on these accounts. Is this something I should take to my lawyers? I'm paying for nothing here