Standard Bank - Pathetic Service

In Sept 2019 I was retrenched. I have a Standard Bank credit card account. The account was frozen after my retrenchment and I claimed from the insurance on the credit card twice (6 month each time). The bank informed me then that my credit account is frozen until I can bring them proof of work. it also show a zero amount on my phone when I log into Standard bank. For 2 years I didn't get any correspondence from the bank regarding this account. After 2 years I suddenly get a sms from MacRobert attorneys that I ow the bank R25000. I went to the bank to get some answers from them and they say they can't help me because it was already handed over to the attorneys. My problem with this is that how can the bank go 2 years without any correspondence about the money I owe them and are the bank not suppose to inform you before they hand you over to the attorneys. I also requested a statement from MacRoberts attorneys more than a month ago and up to now haven't received any feedback yet.