What the hell is going on?

<p>Hi </p> <p> </p> <p>I am absolutely appauled with your customer service with a matter that is not my fault at all!!!</p> <p> </p> <p>Today I received a call from an advisor named Nadia Mbele who at first did not even tell me where they are calling from and went straight into asking for my ID number. After I asked why, I then gave the details.</p> <p> </p> <p>I then get told that I have an arrears since 2013 of R900. This came as an absolute shock to me as I paid up my loan and knew that I owe nothing.</p> <p> </p> <p>I requested to speak to a manager the advisor went away leaving me on mute for a while before returning to the phone to tell me that R900 was refunded into my bank account. I then said to her that I have no recolection of this as I did not request this and did not notice any money going into my bank account. I then again insisted to speak to a supervisor, I was told one is not available, I literally had to argue to even speak to a manager. The advisor while mid sentence rudely just put me on mute leaving me wondering if she had dropped the line on me. </p> <p> </p> <p>A supervisor by the name of Charlene Williams returned to the phone advising me that a refund was done and I owe African bank. I asked why the refund was done, she could not give me the answer as to why this was done and said she would email the refunds department and have them call me. I then said I want to speak to someone immediately, she then advised this cannot be done. </p> <p> </p> <p>I then requested to be copied in on the email being sent and gave my email address. I am still waiting for the email.</p> <p> </p> <p>1)I want to know why this money was refunded and why this has now become my problem?</p> <p>2) I want to know if this issue has affected my credit rating?</p> <p>3) I want to know why I must pay this money back when I did not request any refunds?</p> <p>4) I do not have the money to pay African bank for their mistake.</p> <p>5) I did not sign any agreement requesting a refund and as far as I was concerned once my loan was repaid I owed African bank nothing.</p> <p>6) I will take this matter further if nothing is done. </p> <p>7) Please ensure that every point and question is acknowledged and answered as I am furious right now and in a panic about this issue because i cannot afford for this to affect my rating i am in the process of applying for a home loan.</p> <p> </p> <p>I look forward to your response and resolution</p> <p> </p> <p>Regards</p> <p>Zena Ford</p> <p> </p>