Debiting without consultation

I requested a payment break due to funerals, I was just then debited without warning an amount of R7000.00 then I called I asked who gave permission for the credit card to access my account i did not sign a debit order for that account, I was then told I must accept it as it cannot be changed, I was told they cannot offer me a break, I then left it I got an sms saying I must pay R5000 NO OPTION TO MAKE ARRANGEMENTS again debited my account without my permission or warning, not even a call that this will happen, again I was not consulted even though I explained my difficulty, I feel violated, unheard and that I have requested assistance and was ignored....now it's as if decisions are taken for me as if the credit card just decides what I can afford waits for money to be credited and then debits....i have been banking with nedbank for nearly 10 years