IRRESPONSIBLE DEBT: STANDARD BANK

I have a debt issue between Standard Bank and my son. which he is currently not able to handle himself.(Health reasons). I have tried to make arrangements with the bank, but they referred me to their attorneys. I have tried to contact them numerous times. For months on end just got the message that they are unable to take my call. When I eventually got through I was cut short very quickly and informed that they will not deal with a 3rd party. Is it fair towards my son or any of the banks's clients to have this attetude? In the end he will have a judgement against him and blacklisted while he himself is unaware of any letter of demand or summons. All whilst I am willing to make arrangements but are not allowed to. I cannot just sit by and allow Standard Bank to destroy my son's life, without even being given a chance to remedy. I think I must go to the bank Ombud , Credit Bureau and Legal Board. It really seems that there is no interest in a remedy, but just to make more and more money out of their clients.