Nedbank does not communicate with their customers

I spent my ENTIRE day on the phone trying to make a payment arrangement with regards to my credit card. 6 months after having been retrenched and could not fulfill the full payment I was making on my credit card anymore. Today I call to say that I am able to meet the terms of the arrangement and sometimes I will add a little bit more. This is how I found out my account had been handed over. I was not notified this is the route being taken and the legal team had not even contacted me yet. Being sent from pillar to post and then be told the account is not even with the bank anymore and I have yet to receive clarification on my ITC status and the lawyers say they can't help me and Nedbank also says they can't help me, SO WHO IS SUPPOSED TO HELP ME! I have closed all other accounts with Nedbank due to this manner of business, and when I'm finally ready to wrap up my last account and rid them out of my life, this is the nonsense I have to deal with. An ENTIRE day on the phone! HELP ME PLEASE! In the very beginning when I called to tell them I am having financial issues I was told it will all be sorted and all is fine for now. All of a sudden I'm contacting to make a formal agreement and this is the nice surprise I get. Uya dilela mahn.