Nedbank APO debit

<p>Not happy that Nedbank allowed 50% of my salary to be deducted from my chq acc to credit card account. I am in arrears but this amount causes me to default on 3 other accounts, and I will still not be able to recover within 3 months! I have no problem with the principle of the matter but how does a creditor decide to take 50% of one's salary unilaterally and refuse to review the **** they are putting me into? I'm going to close my cheq account with this bank.</p>