Arranged - Then handed over

<p>I received a call from Standard Bank Credit Card division informing me that i was slightly in arrears with payment. I made arrangements and honoured the payment at the end of last month. i received an sms today informing me that the account has been handed over ?? i contacted Standard bank and made enquiries only to be told that this procedure of handing the account over had started even before Standard Bank contacted me and arrangements made. They now want me to pay fees to a lawyer - for what. This behaviour is disgusting , handing a person over for other so-called attornies to further pray on those who are struggling.</p>