Sharks and bad service

<p>I had a loan with Capfin in 2015. I was retreched and could not afford to pay the monthly installments. I then phoned their offices where I was informed that their loans are unsecured loans. They denied the fact that they did not try to make contact with me. They send sms to my works telephone and as I was not there anymore I did not receive it. My question is, why did they not send me a registerd letter to my home address. Without informing me they listed me on the ITC as a adverse listing. The next thing that I heard from them was that they have handed my account over to two different debt collectors. Now my concern is, why must I pay two debt collectors for the same company. This is theft. I also requested the original loan agreement with all the figures on and I am still waiting. The loan was for R5000 but with interest is is R7836. But the settlement letter that I got from a Nimble collection agency stating that I qualify for 25% and the settlement is R8900. Ridiculous??? I need an detailed statement for this account.</p>