Absa Home Loans Collection Error

In 2008, when the economy was not doing so great, I found myself in a dilemma. The interest rate was climbing up and even though I enjoyed staff rates at Absa, it was become impossible to maintain payment of my debt without dipping into the credit card for other expenses. I made a decision to sell my home (I was on my own in a 3 bedroom house with a swimming pool and double garage). Unfortunately, the market at the time was difficult and consequently after advice from an Absa Executive, I went with their Rapid Auction (a voluntary auction). Absa put my property on auction and only one offer was received. After negotiations, I accepted Absa's terms which included paying a portion of the shortfall (interest fee). We agreed a month payment of R2000 until the loan was repaid. I agreed to this, as the alternative was worse and also because I managed to find accommodation without having to pay rent. This was to be collected through a debit order, which was acceptable to me. I left Absa in 2013 (4 years into the repayments). I made the necessary arrangements to change my bank details to ensure that the debit order was directed at the correct account. I even kept my Absa account open in case the change of account was problematic (and it was). Last year, I once again had reason to change my banking details and notified Absa (again, with great difficulty) that my bank account details had changed. Since I receive no correspondence from Absa I was not aware of how to contact them except to use the email (***) provided in an email I had previously received from Absa. Since that individual may not longer be in the department, I was hopeful they would redirect the email to the correct person. This email was forwarded to *** as well as *** (and ***). Eventually, I received a call from Absa. I received no feedback from Roxanne but did get an email response from a Patric West (Absa Technical Support). He suggested I loaf the payment as an EFT. I made the attempts several times and each attempt was rejected and informed Patric of the problem (Reference ***). If it did not work, he asked me to contact him on ***. In the meantime, Roxanne copied me on email she forwarded to From: Smith, Roxanne: Absa [mailto:***] Sent: Monday, September 7, 2015 8:17 AM To: Ellen, Erens: Absa <***>; Abrahams, Ronel: Absa <***> Cc: *** Subject: FW: Reference *** I responded on the 25th of September that no one came back to me. Someone eventually contacted me and advised me that the best option was to pay the money into a suspense account using reference ***. In all honesty, this seemed like a ********** idea, but because I did not want to ever go into arrears, I followed as I required. A week ago (25 April 2016) i received a text message from Daly Credit Corp asking me to make a payment to my Absa Home Loan account and call Daly on *** (ref ***). I receive lots of spam regarding applying for credit, and I simply took this as spam and ignored it except to respond "Stop" to be removed from their database. Subsequently, I received two calls from Daly consultants and explained to them what had happened. They seemed sympathetic to my frustration and promised to forward a copy of my statement (especially since the end of the Debit Order period). I have not yet received a copy of my statement and have no idea how much I owe, except what I was told by the Daly Consultant of an amount of R54,000 Please note that I owed R184,235.17 as of the 28th May 2010. Considering it was has been 5 years and 11 months since then, I should owe R42,000. R12,000 difference indicates 6 missing payments and which would indicate that the problem started in September 2015 when I was referred to a suspense *** (Reference being ***).