Standard Bank VAF / NDA hypen PDA debt counselor

I wrote off my vehicle June 2022 and after hours on the phone and endless e-mails the vehicle was settled by insurance in October 2022 and I bought a new vehicle.I then placed myself under debt review in August 2023 as my monthly instalments became to much. I only have debt with Standard Bank two vehicles and an overdraft account. My total monthly instalments were 22K and was brought down to 17K with debt counseling. As I understand the debt counselling process it has to go to court and then approved. Standard Bank gave NDA (Hypen PDA) my outstanding debt amount on all my accounts this included 300k for the vehicle that was written off and settled by insurance. After countless phone calls and visits to a Standard Bank branches I finally got the written off vehicle removed from my profile. After paying NDA for six months a Standard Bank lawyer phoned me and wanted to come repossess my vehicles or I need to pay 40K per month for six months to catch up on the arrears, I can not afford this as it is double the monthly instalments before I went on debt counselling. I then payed 30k to Standard in December 2023 as I can’t lose my vehicles and need it to get my monthly income. I contacted my debt counsellor telephonically and sent them proof of payment to Standard Bank as they requested. I did not pay NDA (Hypen PDA) for December as I made the payments to Standard Bank on my vehicles. Standard Bank agreed in court that the amount set by debt counselor per month was sufficient for three vehicles (including vehicle that was settled in 2022)and the overdraft. Now this amount is not enough for them on two vehicle's and overdraft. Standard Bank VAF department and NDA (Hypen PDA) is the most *********** people I have dealt with in my life. NDA (Hypen PDA) does not reply on my e-mails to settle this matter.