Bad service, no one can explain charges

Hi my ref number is ***0. I called NDS in December 2015 to enquire about my balance on my Standard Bank Credit Card . The balance was much higher that what I would have expected. I then asked for a statement to be emailed to me so that I could see the breakdown of the costs. On the statement there are all sorts of fees that are added onto my account e.g. collection commission,debt collection fees and final collections commission . Why so many charges , this seems ********* to me ... then I will never finish off paying this account with all this charges that are being added on. I have tried to call NDS so that the costs can be explained to me and non of your agents have been able to assist me- ONE OF THEM EVEN GAVE ME ATTITUDE AND DROPPED THE PHONE ON ME . I have been passed around from pillar to post and no one can explain what the charges are for. My initial capital was R24 920.29 . I have paid R7400 to date and my balance outstanding is sitting at R18 679.56.I need someone from your company to call me and explain to me what all those fees that you are charging me are for. In addition I pay every month without fail but my credit record has not been updated.