NO POPI and no settlement letter

I have paid up my account, which was handed over to NRB, I paid directly to Homechoice after I asked NRB to send me an email with account details to pay the debt, but they insisted on sending an SMS. Obviously, this made me nervous, so I opted to pay directly to Homechoice to avoid being ****med. Now it seems that HomeChoice has handed over the same account to NBA (Nimble??). At this point, I am requesting a settlement letter, but I am sent from pillar to post, and monies pop up that I now need to pay. It's so ***** that when I ask these debt collectors to send an email, they would instead send an SMS; today, they sent two SMSes, one with a standard bank account and the one requesting a checker's money market payment.