Insulting and disrespectful

I have stayed up to date with my loan payments. Even during Covid periods where the credit protection was meant to cover payments, My debit orders still went off and I went through the continuous battle of getting my funds refunded.

On the 5th of January I got a call from African Bank asking me if all is in order with my salary dates again, confirming my banking details and contact details and reminding me of when My January debit order will be going off - no problem. Not once was it mentioned that there is a short payment on my account - which would make NO sense as my account is on a debit order and has never failed.

Then this weekend I receive a LEGAL NOTICE tell me that I need to settle an outstanding amount within 10 days. Now if I owe money - which I don't understand - then I will take responsibility and pay it. But how dare you send a LEGAL NOTICE without once making me aware that there is an outstanding amount on my account.

This bank is disgusting and treats it's clients like *******!