ACCOUNT HANDED OVER

My account has been handed over to the attorneys for arrears after i settled my credit card amount due on the 24th October 2015 through EFT without ref number,upon realising i notified the card division to trace the money and was given couple of emails to submit my proof of payment, which i did. I was surprised to get a message on the 4th October that i am owing a settled account and when i enquired at the bank i was told i have been handed over after i sent the proof requested on time to avoid exactly this. <br> <br> I called the card division on countless times and spoke to various consultants all the time but i was told it still doesn't reflect with all the proof at hand up to date. The worst is this report is reflecting on ITC for the mistake which was nor rectified on time from their side This is really bad as now i am unable to buy a car because of being falsely handed over and they say there's nothing they can do for me as far as this matter goes. I doubt i will ever have any accounts after this with Standard bank this has damaged my credit scoring, hoping they will be able to recover my good credentials for damage control.