Double standards utilised by Nedbank Credit Card Division

During 2022 I received a summons from Nedbank Attorneys in respect of outstanding payment on Nedbank credit cards. I contacted the attorneys and made arrangements with them to pay off debt in monthly instalments due to the fact I was unemployed. The attorneys indicated that since I made an arrangement it was not necessary for me to appear in court. When I tried to to obtain an Experian report on 10 July 2024 noticed that a default judgement was taken against me ( 3625/22). This is double standards employed by Nedbank