Bad service from standard Bank

Good day,I had an account with standard bank since 2016 . I was offered a credit card and overdraft I also had two small loans with them with "all " these products from standard Bank they ask me if I want insurance , which I did take it was life, disability and retirement . Now they refuse to pay and sold my debts to a mbd attorney. I told them that I will not pay a cent until I had my day in court since I have all documents and emails on hand. I would rather a judge decide!!!!