my homeloan account

I have a home-loan with Standard Bank, going into 3 years with it now, had my own challenges and didn't pay the account for 3 months.<br> <br> 1. made arrangements to update account over a few months (3)<br> 2. I got a call from a re-spread department to help me with managing the debt easier. I accepted. <br> 3. A few days later i got money in my account and the 1st arrangement debited my account.<br> 4. I cancelled arrangement 2. to spread my debt.<br> <br> My challenge is the money i paid to Sandbank didn't update my arrears. and No one is able to help me to move this money to my arrears. The re-spread team say i must speak to collections and collections say i must speak to re-spread. at the end. The Manager Mark tells me that my account is in bad conduct and there's nothing he can do to help me and i must pay the same arrears 2 times.<br> <br> Arrears in Sep was R13000 and i Paid R6800, but the Dec Statement still say i owe R13000. I didn't pay another month because i was waiting for a dispute feedback from my Bank where i bank. Who couldn't help me, i hear my account is at final stages with legal team, . any real manager, Please help me. I do have money to update my account.