ABSA - ******** COLLECTION PROCEDURES AND NO SERVICE DELIVERY!

Firstly, if I could select zero stars, I would've definitely done that as Absa does not even deserve a ONE-STAR RATING!! Please be careful with this bank! They have NO idea what customer service means! No replies to emails unless it is with threats and tactics to make even MORE money out of struggling people! I was unemployed and sent several emails to make arrangements and restructuring of my terms. Even informed them when I started new employment and tried making arrangements, with NO success as there was no reply! Phoning Absa just leads to phoning different numbers (Sent from Pillar to Post). So then the CEO of the previous company I worked for, gives a message for me to phone Absa(and gave me the number that reflected on his phone), as they discussed my arrears with them! Absa has no record of this and denies it after I started investigating their ******** collection procedures! Better yet! To collect outstanding monies, you need to be registered with the Council for Debt collectors and you need to supply your registration number when requested from a client...Absa's collector completely ignores the requests as well! What a joke! Now they want to threaten with repossession and still refuse the restructuring of my terms as I have requested on NUMEROUS occasions! Yes, I neglected to pay the installments for a few months, but being unemployed makes it difficult paying anything! And it wasn't like I never tried from my side! This is why I needed their assistance...AS IN DELIVERING A SERVICE...Which THEY failed to do! I have now also reported the matter to Ombudsman as well as the Council for Debt collectors! I am appalled by the service(if you can even begin to call it that) that I have received! It was due to the disgusting service delivery that I closed my bank account with you in the first place.