******** handover

There was 1 missed installment that i had request for yourl to deduct on the last day of the month, but yourl didnt?! Under South Africa's National Credit Act (NCA), a credit provider generally cannot immediately hand over an account for legal enforcement when a payment is missed. The process is typically: The consumer must be in default for at least 20 business days. Iw ill have to report this to the NCR. when i call to make a payment im told its handed over. why?