blacklist

I am banking with nedbank check account with a credit card which is was paying, nedbank failed to notify me, in writing about my credit card balances outstanding nor did they try to make an arrangement with me, since I'm banking with them, I was never aware of my account is handed over or blacklisted now Id like to know when was I sent notification in writing and when was it contacted with that regard, please assist with the matter, and have my credit card replaced with its areas which I will pay for it and have my name, cleared my name from credit bureau as I'd like to receive my card replacement or assisted with my name clear my name since I was never communicated with the blacklist...***