Groenewald Lubbe are ****s

My FNB credit card acc was handed over to these ****s in 2016 when I was unemployed. I was told I owed 23000 on it. I started making payments regularly in varying amounts. Then I was told earlier this year in August that I have made payments to the amount of just over 10 000 and was told my outstanding is just under 24 000. Last week I called again to ask for total amount owing as I wanted to settle the account. I was told I owe 38000 but they can give me a discount of 10 000. I told them I am only able to pay 18 000 and I would like them to work out a further discount in light of the amounts I have already paid. They refused. Instead they said I must settle the account and pay some levy for settling the account. I decided to ask for a full statement from the day the account was handed over. I found that I have been charged 30 rands for every email they have sent and some ridiculous amount for sms and phone calls. I am not going to pay in the 18000 I wanted to. They say if I pay it in, I still owe 10 000 more. That will be a total of 38 000 altogether. The one thing that I don't get is why would a reputable bank such as FNB be doing business with these ****s and even as all of us are complaining on this platform @fnb is dead quiet.