Misleading Absa

Sick and tired of this! Other STUDENTS (without income), got finance for studies for 4 years. They (or their fathers) only paid the interest, and after they got qualified, they started paying the capital.

We tried the same, (WITH INCOME - me and my student daughtger) After year two (2020), they stopped us - Said I do not qualify any more, cause my salary is too small. Meaning that I must start to pay the CAPITAL now.

From beginning 2021, I tried RESTRUCTURING to extend the terms, BECAUSE I cannot AFFORD this suddenly. They say I do not qualify - BECAUSE I cannot AFFORD it. MANY branch VISITS, telephone calls, emails, later, they told me I can make a standing arrangement, instead, that will continue every month. Came the first month of the agreed arrangement, the deduct BOTH AMOUNTS!! The arrangement amount, plus the (unaffordable) original amount.

Trying to solve this, after a week, I still do not have the "refund" money back, and they called me because my account is now in arrears. I am considering to seek LEGAL help now