Pathetic Nedbank Collections

I have had the worst experience of my life with Nedbank Collections. I opened an Amex Credit Card with Nedbank perhaps 2005 or so maybe earlier. I defaulted on payment due to having no employment. I was promised employment in 2018 and went to Nedbank to open up a bank account, upon applying for the account 1 week later the opportunity for employment was withdrawn. Since the application I have been harassed by Nedbank Re: The Amex card that was not paid for. Nedbank moved my account over to a company called Bankcol International I was dealing with a lady named Zanele Thwala her number is ***. I explained my plight with Zanele that I am unemployed. She guided me to try at least pay in R50 a month toward the debt. If a family member can help. I have a very small opportunity to work on commission only from which only if I sell something do I earn 10% commission which is not even enuff for my own monthly expenses. I advised Zanele if I can I will try pay in 100 per month depending how my sales go. Zanele gave me a letter ststing that I have made an arrangement thru their company to pay R50 per month. June,July, Aug 2019 I received no income due to no sales. I called zanele and even emailed her stating I had received no income for these months as I had no sales. But should that change the following month I will pay in the R100 for the months I missed I did this early August. Zanele Confirmed monies have been received. on the 2 sep i received a call from ***, I cannot recall the laddies name. Our conversation did not go well, she claimed she was from Nedbank Collections and that she was calling to make payment arrangements. So I asked her, how do I know you are from Nedbank Collections, you could be a random person as there is so much ***** going on. She did not even give me an opportunity to speak as I was trying to get across that I am dealing with Bankcol International who have given me a letter stating that my payment is with them. Can she not send me an email perhaps or get Bankcol International to send me an email stating that Nedbank is now handling my account so at least I know its legitimate. She said sorry we dont do emails. I asked do you hear my concern she said I am telling you I am legit I will send you an SMS (I never got an SMS after the call with the bank details) She told me I am working. I must give her a payment date, I am attempting to get my point across now that I work strictly on commission if I sell I get paid If I dont sell I do not get paid I know its not feasible But how can i cement a payment date every month when I myself cannot confirm I will have monies. These people just override the call they do NOT listen to the client at all. She repeated herself over and over again and did not even hear me. She eventually put the call down. Needless to say she spoke way above a normal tone of voice like I was some ******** or some bug under her shoe. She kept threatening me with the call is recorded I said I am glad then I hope they hear that you do not listen. Today I get an sms from Attorney Erasmus threatening Judgement against me for my nedbank account and that my personal details will be listed on 5 different credit bureau as a bad payer and that they will attach my removable assets. I called the number *** I spoke with a lady who said her name is Sharon. Like previously I am trying to explain I have paid Bankcol International she said O she does not want to hear about them she is Nedbank and that she is dealing with my case so she also does not listen and went on to read what was on her system from the previous call. I said I have worked in a call center I know the calls are recorded can you go hear that call because what you are saying to me does not match my conversation with the other lady she said O I must get my story straight first I am a **** I said I do not work now I only earn comission I asked can I please speak she said she does not want to hear about Bankol and that I made payment with them its not on the system I owe in excess of R11000 I must pay 10% thereof I said I cannot pay that I dont even earn that value well just borrow from family or take a loan That's what she said to me. Then she said get your facts in order you tell lies. I said I can only give you what i gave bankcol, she said whats your address the sheriff must come remove your assets. I said I can only pay 100. she said she demands 10%. I said I do not have that. I tried explaining that I had paid in Bankol in sep she said nothing on the system stop talking about these people. I said you threaten legal for and agreement that was kept to. Basically I asked if I could go to the nedbank branch and speak with someone face to face she told me No one will speak to me about this she is it. So Nedbank when a client has financial difficulties is this abuse something you promote. Up to today all I wanted was Nedbank to send me a email stating we have taken back our account from Bankcol International Ms XYZ and we now need you to pay directly into ABC so I know its not a hoax and I can get on with life. Being verbally assaulted with parrot phrase call centre jargon and told I am a **** and I am NOT allowed to go to the branch to query if this is legit is very bad business practice. Nedbank needs to review their outsourced call centers because they do not give customers any service