I have been under debt review since Jan 2016. All paperwork was filed correctly, and have made payments as per agreement. FNB handed over my account to a lawyer as they said that I had not paid. I see t proof of payment to lawyer and FNB, theybut said all was fine. Again, they have sent lawyers letter to say that I have not paid. I have sent all proof of payment through to them. Complained to banking ombudsmen as they would not come back to me. They have now said that I was paying with the wrong reference number, and theyhave issued summons. What to do?