Bad customer service and very unprofessional

<p>I have a loan with Capfin. December I informed them that I will not be able to make a payment on this account before the end of July due to unforseen circumstances. I have laid a complaint with Hello Peter. Capfin responded to it, but the consultant was very rude. When I informed her that I did not work at that time she was telling me that Capfin's loans is unsecured loans and you cannot make payment arrangements on your account.</p> <p>As I was not at work and they have got my physical address, no notices was send to my home address at all. They actually send mails to my work's address. Well sending it to my work no one even got the mails. So as was not informed by Capfin that they are going to take legal action. My cellphone is also a company phone. As the National Credit Act 34 of 2005 became law in July 2007, my rights as a consumer has been recognised. The next step when I got back to work in July, I got all the mails in my inbox.</p> <p>1. Why did Capfin not send letters to my physical address with registerd mail?</p> <p>2. I have never received any notification in writing of the impending to the listing of my account.</p> <p>3. When I got a copy of my credit report, Capfin have blacklisted me without informing me.</p> <p>Capfin then handed the account over to Nimble Collection agency. They started phoning my parents about this account. When I ask the man where he got my mom's number, he told me that her number was listed under my name. When I ask him to phone me on my own number, he informed me that he cannot phone on my number. Hell know's why. The guy from Nimble was so impatient and totally bombarged me telling me what I must do. He even told me the amount that I need to pay. I have got no agreement with Nimble Collections. When I told him that he can't tell me what to pay, he got adement telling me that they are going to debit my bank account at the end of the month. Can you believe it, he even gave me my banking details. That is totally unexceptable as Nimble have got no authority to debit my account. I even went on to Hello Peter and there were several complaints about this Nimble group for taking money *******ly from people's accounts. I will not allow this.</p> <p>I also phoned the NCR and they informed me that Capfin defaulted as they did not follow the correct procedures for the listing. I would like to know why did they not send registerd mail to my physical address. This is the correct procedure to follow. According to the NCT communicating only via sms is totally against the rights of the National Credit Act. I actually ask Nimble to send me everything in writing and the guy refused and told me that he must first ask his supervisor. Lot of ****.</p> <p>Stay away from these people they are sharks.</p> <p> </p>