Unhappy customer

I took out this account sometime last year, and I was paying extra on it so that should I be able not to pay then at least I knew I covered my self and so I thought. In January / February I paid R160 because that is what I had, next thing 2 days later I get a calls that the money I paid was not enough so I asked if the NCA does not allow us to pay what we can afford. I kept on getting calls like 3,4,5 calls a day about the same thing which was annoying. Last month when I was about to go make a payment, I lost my phone and all the money from my account was **********ly withdrawn, and while i'm busy sorting all that with the bank, today I then get a message that my account has been handed over and they even increased the balance that was there. I now owe more than the credit I received initially. I don't understand that at all. When was I supposed to have made all these payments when we were under lock down for a month, my account being de*****ed. I have no internet banking, no cell phone banking no phone. What kind of service is this? I don't want this account ever again and my friends and family will be closing their accounts as well because they have been having problems of being harassed as well