Trying in vain to settle credit card

I have been trying in vain to settle my Standard Bank Gold credit card. The matter is currently with Brooks & Luyt Attorneys. I have been paying diligently the past months and I am now in a position to settle the account. I have requested a discounted settlement from them. They have told me that Standard Bank will not give a discounted settlement and that they will only accept full settlement, even though they have not even made the request. In the meantime, I am paying monthly, and still get SMS about account being handed over to Sheriff if payment is not made today. I think Brooks & Luyt and their automated software needs to be thrown to the curb. I can say worst things about their call centre which has had me holding on for 20min at a time, 4 times, in the last two hours, only to have the call cut. I have tried calling Standard Bank card division directly, but they just refer my back to Brooks & Luyt. I am really frustrated.