ABSA & Anthony Richards & Associates ********

I had a personal loan with ABSA which was handed over to Anthony richards & Associates. Last year a consultant called me in October and said that ABSA was offering a 20% discount and I could pay the balance over six months which I agreed to. I asked for the agreement to be put in writing and an sms was sent to me which stated Mr CN Naidu .confirmation of ABSA payment plan R2429.14. I paid for three months and on the 21st January 2021 I received a call from a consultant asking me to sign up for a debit order which i refused . On the 22nd January 2020 I received a NOTICE OF DEFAULT letter which stated that Anthony Richards & Associates were acting on behalf of ABSA bank. It stated that according to the National credit act I have not met my obligations in respect of the agreement. I called Anthony Richards & Associates and spoke to Shireen who told me that she needs to listen to recordings as there are no records of any agreement. I received an email on the 26th January 2021 from Ghusna Kamaldien which states that I need to pay R163.742725. Again I queried this and was told that a Supervisor will call me. 26th Jan 2021 I received an SMS stating Confirmation of ABSA payment R2429.14 due today. I called again and was told that A Supervisor will call me. I sent and detailed email on the 29th Jan 2021 and to date have not received any replies either telephonically or email. It is disappointing that ABSA uses people which dont know what they are doing. 28th Jan 2021 another email sent asking me to pay R163.75. 26