Horrified at the service.

I am an elderly lady of 69 that has had +- 35000 that I used from my credit account from Nedbank I have paid them 2000 from 2011 and although my monthly payments is supposed to be 600 hundred a month I just can't seem b to pay my account finish I've have asked for a settlement amount but every time the settling amount does not make sense I've also had an insurance that they explained me that was added on my credit when I asked them why would I take out insurance if I am paying of credit and I did not sigh for it when they looked for the insurance contract they found that indeed I did not sigh for it so they agreed to refund me back my insurance which amounted to 1500 I was not impressed so I did not take the money what I am having a problem now is I have not payed my account for June so they send me an sms that I'm in areas with 1035 so how did they get to that amount we phoned to ask what is my installment a month they said 600 Rands please I need help cause I'm not getting done with my credit I will give you further details if yous can just come back to me this is my cell no *** my I'm available from after twelve as I have a bad back and leg problems so I get up late home no ***please please I'm begging for help yours sincerely Mrs Paull