Hi Helene. Get an attorney right now, before you try to talk to Nedbank, before you do ANYTHING. The moment they know they're talking to a lawyer the game stops. If you make any concession, like giving them 1 cent to show you're acting in good faith - which is something they'll suggest -whatever debt there was is rejuvenated.

Did I already mention get an attorney.

Regards
Peter Carruthers