Unfair

I had a loan with Capfin and unfortunately due to financial issues I was unable to honour some debit orders and would make payment arrangements, which I will make sure it goes through as tough as it is.

Through out the conversations over the past few months, no one told me that I would be charged interest at the end of my last debit order because as far as I know you only get charged interest if you go back on your word or overlap for like 3 months.

My last debit order went off today and then I get an SMS that, I have arrears for R198 and some cents, I then get a call. Unfortunately I do not recall the lady's name but she called me on my office number at about 08:45 telling me about the arrears.

She wanted me to make an immediate payment, like how and where do I get the money if I have been struggling to keep up in the first place and my issue is why was I not made aware?

I don't think its fair.