Bad service from nimble collection services and Capitec Bank

My Capitec personal loan was handed over to nimble collection services and last week I received a SMS stating that I have a 40 percent discount should I wish to settle the personal loan account that was handed over From Capitec bank to nimble collection services. When I spoken to the agent from nimble services i was told the 40 percent discount is already included in my outstanding balance. My outstanding balance is R10896.22. I have not received a proper intelligent settlement offer which includes the 40 percent.. I personally feel the SMS was just a bait and it's shocking and I am really disappointed with the service from Capitec & nimble services..