Ackermans sort your departments well

Good day. I got this email ur Collections Department hassubmitted your payment of R290.00 made on the 30th November 2018 to our Finance Department for allocation on the 07th December 2018. Your account will be adjusted accordingly. Kindly note that it takes 2-3 working days to reflect on your account after it has been submitted. After few days I got another email sad Card Number ********** ********** 86 Account number ********** ********** 903163 Balance R 2993.05 Total Due R 530.23 Dear MRPHANUEL MASHAMBA Don’t get caught this Xmas with bad Credit Rating. The last thing you want to have this festive season is to have your account escalate further and eventually be marked for Handover to Pre-legal. We have unfortunately noticed with concern that your Ackermans account is in arrears with very little or no payments forthcoming despite our constant text messages and letters. As a Registered Credit provider in terms of the National Credit Act (Act 34 of 2005), Tenacity has to submit the factual status of your account to the Credit Bureaus every months. Your Credit Record will currently show that your Ackermans Account is overdue with 2 instalments. Your credit record can be accessed by all other credit providers when you apply for new credit, increases on excisting credit and/or when you apply for new employment. It is therefore in your own interest to bring this account up to date to Prevent Escalation Of Handover to our pre-legal department . PHANUEL MASHAMBA send us your banking details and we can set up a Debit Order for your convenience to prevent further action of being taken upon this account. So I don't understand why am overdue with 2 installments because I payed them every month, I never jump in a single month.