African Blank

I cannot believe I’m actually writing this, actually I fail to fathom how an African bank is an accredited business . I took a personal loan from them 2 months ago . I did this at the Gateway branch with one of their tellers . The process was very simple and the lady was very helpful and explained everything to me , little did I know I’d be making the worst decision of my life !!! The first month of the debit , they sent me an sms , stating that I was due to be debited on the 25th I called in and flagged with one of their consultants how this was a mistake as I was getting paid on the last of the month as all the documentation I brought on the day of application proved this! I then explained how I’d miss that debit and how that would affect my credit score because they’ll have me listed as a bad payer (what an atrocious company!!). The lady I spoke to told me there’s nothing she could as all the debits meant to go off on the 25th have already been set, she told me the best she could do is give me an email address to send my 3 months bank statements that will prove that I get paid on the 25th . There was no money in my account on the 25th as expected (I wasn’t suddenly going to get some sort of mana from heaven now that I had a loan with African bank🙄) the debit went off and charged me fees for that and then the rain of calls started coming in .. thank God I blocked unknown numbers from calling me so all of see is a missed call notification (you’d swear i sold drugs or something ) they call with shady cellphone numbers too..😒. On the 26th I had funds that came into my accounts and lo and behold the dumb idiots debited me 🤦♀️. So I sent them the bank statement and immediately after , I received an sms confirming that my debited date had been changed to the last day of the month. A month later , I receive an sms stating my debit order is set to go off on the 25th. I call their accounts department and explain this only to be told that my date wasn’t changed and nothing had been done on my account as per the last conversation I had with the previous lady , does the guy, after not being f very helpful with his accented English because it seems they just hire anyone these days no wonder the level of incompetence asks me if I have R500 to atleast pay towards my account currently as it is in arrears … I wanted to laugh my heart out because I thought he was telling a joke because no matter how dumb you are , you cannot be asking a person to pay towards an account if they haven’t even gotten paid yet!!! Are we sure it’s real people behind this bank? Or is it a stokvel group chat 🚮.