******* blacklisting

In March 2014 I app**** for debt review. In May 2014 I voluntary withdrew.<br> Nedbank Card Div blacklisted me as a defaulter on 25 May 2014 for about R18 900.00. Card div wrote me a letter in June regarding payment options on my acc within a said period. The offer expired due to letter not reached by me. However, letter was posted only in July.<br> <br> Debt collector explained to me that debt review is a legal process and the first 3 payments is for their acc.<br> <br> Rossouw Inc. att demanded R1900.00 p.m. Being the soul supporter for a family of 6, I explained that I can't afford that, but will pay R1000.00, although above my affordability.<br> <br> On 31 March 2015 R990.00 was added to my acc. On Query, I was told that it was for a summons (THAT I NEVER RECEIVED UNTILL NOW). Despite my regular monthly payments of R1000.00.<br> Reason : Bank demanded 10% of outstanding bal.<br> I paid R15 500 and still have a bal of R11950.00.<br> <br> On my request for a settlement amount, I was told by att - my outstanding bal. I don't qualify for discount 'cause my acc long overdue. Att referred me to bank and bank to att.<br> <br> PLEASE HELP ME TO CLEAR MY NAME AND WITH THE BAL.<br> <br> THANKING YOU.<br> Tertia Agnew