Incompetency

I have a standard bank loan and mobile account. Ladt month I couldn't pay both accounts due to financial challenges. I sent an e-mail to the bank advising them. To my surprise on the 06th April I received an e-mail from the bank stating that I have ignored numerous communications from them & they will over the account, but they had already handed me over to Blake's &Associates while I only missed 1 instalment. Collection processes were not followed. I also have a Standard bank mobile account on the 07th April I was advised I owed R903, on Wednesday I was told I owe R2, 187. I made numerous calls to the bank for a statement & invoices I am being told it was sent but the is nothing on my side. I haven't used the sim cards for the month of April. They are deliberately ignoring me to ruin my credit record. With this month not getting a salary I don't know what is going to happen