Unpaid debit

Good day<br> <br> I opened cheque a/c in February 2015. The account was opened online. I received feedback and was advise to collect new card at branch. I didnt receive any communication with regards to fees structure on account. With the collection of the card I was told that I have an existing cheque account. This was opened in 2004 as a staff account, with an overdraft facility. The account was never closed and accumulated monthly charges. I paid off some of the charges because nobody wanted to take responsibility for the account not being closed at the time. On the 24th of March 2015 a setoff debit was processed on my new account. I was not aware of this as I was only contacted on the 30/03/2015 from a call centre to welcome me as a new client of Nedbank. I was advised to take the sms notification and was told that i get 4 free withdrawals on my account every month. On the 27th of March my charges was debited and clearly i dont get free withdrawals because <br> my charges was R139.30. I was suppose to be on SAVVY PLUS. Because of the setoff debit and the charges my debit order for Liberty was unpaid. Now I have an unpaid on a new a/c. and was charged for that as well. Please help!!!