destroyed my credit rating

having banked with nedbank since 02 things couldn't be worse. I closed my savings account for a smart savvy account. All of my standing orders and direct debits have bounced. Westbank past me over to a debt recovery agent who tells me my credit rating has now been downgraded to a non payer... I HAVE A BUSINESS ACCOUNT WITH NEDBANK -CAR LOAN - BOND- ans personnel accounts. when i complained two weeks ago approximately I WAS GIVEN A REFERENCE ref ***6. No one from head office has called back.<br> I shall close all my accounts and sue for deformation of character.<br> <br> Richard Scott