Nedbank favoring their companies over other credit

To I receive a call from Nedbank MasterCard Collections to advise me that I am in 2 months arrears. Notwithstanding being told by collections department that calls are recorded, they ask since December 2014 why I have not paid, simply the same answer as the previous 7 months, I am unemployed, self employed the best way I can as a professional accountant and tax practitioner, I invoice and clients make me wait for 60 days. <br> <br> So it gets worse, I tell Nedbank MasterCard that they took an unauthorized amount of 90% of my income in June, and they still want money, they have a cheek, I am divorced, no job and two kids under the age of 16. I am told TERMS AND CONDITIONS we are allowed to just take money if you in arrears. <br> <br> My former debit orders were on Standard Bank, which means Nedbank MasterCard traced my new personal current account with Nedbank and helped themselves to my current account, TERMS AND CONDITIONS. <br> <br> I challenge the Credit Acts and Financial Services Providers ombudsman to answer here and say Nedbank MasterCard Terms and Conditions are acceptable in terms of the Credit Act.<br> <br> No money for petrol to get to my clients to provide a service, no invoices, no income July?