********L SUMMONS

I fell into arrears with my nedbank credit card and after the interest and finance charges have already been added after 4 years,we came to an agreement that they won't charge interest and finance charges, they made an agreement with me to pay R300. a month. I have been doing so since 2017 and my balance dropped by R21000. Now all of a sudden NEDBANK is unhappy about the agreement and sent me a summons even though I was paying regularly every month. In order for me to defend this summons, i am now in a position to have to pay expensive legal fees and if i don't they will proceed with a default judgment if i don't do this. I find this situation so unneccesary.