Just handed over to lawyers

I had a credit card with standard bank for some time now. Made regular payments on it. One day out of the blue I receive a disgusting phone call from lawyers demanding immediate full payment \or else". Felt more like I was dealing with low life loan sharks than standard bank and lawyers. <br> When I called std bank to enquire on this they first said they could not reach me ... however the lawyers managed to call me.<br> The second time I contacted them std bank said I did make an arrangement but did not keep it.. I asked for proof but none could be given to me. <br> <br> I want to make an arrangement to pay it off but will not pay the extra R6000 lawyers fees added on there now... <br> <br> <br> """