Reckless lending

They called me more than once and offered me a credit card which holds plus +-R40 000. I end up taking the credit card, started using it and paying them via transfer bug on my surprise end of July 2020 Standard bank went to my nedbank personal account to debit without my concern, I called they collection division for clarity and I was told that they can’t see you requested the debit order but they will investigate the case. Received the email of acknowledgment of my complaint from Sifiso Kwesa till today no action was taken on my *****. They de*****ed me to go to my personal account to to debit without my permission. Now I’m receiving calls from their collection division they demanding me to Pay, end up making a R250 monthly instalments agreement with them, already paid that R250 but on my surprise my case was handed to attorneys. Told the attorneys that standard banks haven’t finalised much cases which I have against them and on the other side I made it clear to the consultant that I’m willing to send my pay slip and my monthly budget so they can see that standard bank is guilty of reckless lending. The monthly instalment fee they demanding from me can leave me and family without food. If we can to high court the debt can be erased due to reckless lending they didn’t follow the credit act regulations