THE SERVICE YOU GET FOR TRYING TO MAKE RE-PAYMENT

I GOT A LETTER OF DEMAND 01.09.2015 FROM TREVOR JAGGARD ATTORNEYS FOR MY OUTSTANDING DEBT ON MY NEDBANK CREDIT CARD.I CONTACTED THEM ALL IN GOOD FAITH .TRIED TO MAKE ARRANGEMENTS TO START PAIYNG MAKE ACCOUNT IN INSTALMENTS.THE CONSULTANT A LADY WAS RUDE ABRUPT AND BLATANTLY TOLD ME THE AMOUNT I AM OFFERING AS INSTALMENT IS NOT OK AND THEY ARE STIL GOING TO PROCEEED IWITH LEGAL ACTION.I AM SORRY DID I MISS THE PLOT.DID NEDBANK NOT APPOINT THEM TO RECOVER THEIR MONEY .I WAS SO SHOCKED HERE I AM TRYING TO MAKE ARRANGEMNTS TO START PAYING THE MONEY BACK THAT I OE NEDBANK AND I WAS TOLD OH REALLY MAM I CANNOT EXEPT THAT AMOUNT SO NO WE WILL PROCEED WITH LEGAL ACTION.SO I GEUS NEDBANK DOES NOT REALLY WANT THEIR MONEY BACK BECAUSE THEY HIRED A FIRM TO SCARE OF PEOPLE NOT TO PAY THE MONEY BACK BY BEING RUDE,UNHELPFULL AND BE BULLIES