NEVER EVER OPEN A STANDARD BANK ACCOUNT

In April 2012 I opened a Standard bank credit card which was paid off and closed in April 2016. The following month I bought a house having an excellent credit rating. In May 2017 I started getting calls from MBD debt collection about 5 to 7 times a day. At first I laughed it off saying I didn't know what they were talking about (I really didn't) and after a few weeks of being harassed I printed a credit report to find that that account had been reopened saying I owe R1200 (the original discount they had offered me for paying it off early). LONG story short and months of calls, stress and emails I discovered standard bank had changed debt collection companies and somehow I got involved in the mix. After MONTHS and finally threatening lawyers I got an apology letter from Standard bank and a promise that I will stop being harassed and the account closed. This year I attempt to get a cellphone contract to find that instead of REMOVING the account from my name they wrote it off as bad debt so I have a judgement against my name and cannot access ANY credit. I have CALLED and CALLED, emailed countless times, been put through to managers and cut off, called the call center who cant help me. I will NEVER EVER have anything to do with standard bank again but what do I do in the meantime???