Failed check account

I was using E-plan account and the card was swallowed by the ATM, I went inside to report it. The consultant said they were sorry they should have replaced the card long time ago as it was very old. I was issued with a new card temporarily as they were going to change it and issue with a cheque card. When we were busy with application of a new card which was a cheque card, I was told that when my employer pay my salary on the cheque account I must come back to close the E-plan card. During that process the consultant introduced savings scheme to me of which I told her that I was not financial stable, I can be able to save R100 per month until I'm financially stable.

The salary was never deposited into the new account due to incomplete work that was done by the consultant. Instead I would visit the bank and request them to move my salary to the new account which even created problems with creditors as well as it never materialised.

Standard bank failed to notify me that I owe them, instead I head I received an SMS from Maodi attorneys whom I called and asked them what exactly do I owe? They had no clue as result I requested them to request a statement so I may be able to understand. It took so long to receive a statement which I also ended up requesting it on my own.

I failed to understand was that , what do I owe them and I did I explain to those lawyers that I'll never pay until I get the correct answer. I took it upon myself to visit the branch to find the answers by myself, I was told that the Manager was unavailable but they'll will came once he's/she's available which never happened. I once again visited the branch again as I noticed that I'm not being contacted again, on that day I was told by the consultant that they've noticed their mistake but they were going to check how much do I owe as there were bounced payments due to their negligence.

I waited for a call which never happened instead the case was given to other company whom also have no idea as to what do I owe them. I did explain to them that I'll never pay until I have a logic explanations as to what I owe.

It later came into attention that the case have been now given to MBD whom they also failed to give explanations as to what do I owe Standard bank. I've recently received a red letter from their attorneys whom are also threatening me also with going to court if I fail to pay. This thing has done so much damage to me including my health.