WORST COSTOMER SERVICE AND BANK ABUSE!!!

These people know very well to call and abuse you, even when you ask them to kindly send emails as we are not all call centre agents. Not all of us are able to pick up calls randomly, especially calls that report the same thing over and over. Apparently my account total debt is at R4000 while with interest areas are at R54 000. I simply asked how were these calculated? Section 101 and 103 of the National Credit Act says the total amount of the interest and the debt collecting costs should not exceed that the debtor owed at the time of default. I therefore ask for your explanation regarding this clause and your interests. I asked for an email explaining this. They have no answers, can't explain, don't understand their own calculation formulas. Clearly, our accounts are also manipulated.