Capitec/JDT/NBA attorneys

2 years ago i took out a loan + a credit facility load from the bank , due to unforeseen /personal financial circumstance i could not pay the bank in time . 6 months down the line the account was handed over to collectors and i started getting calls . i took the calls and explain to these people that i was unable to make payments arrangement at the point due to me being unemployed but did they understand ? NO!!? did they stop calling? NO!!!? Instead they advise me that i should try and make payments even if its as little as R50 but how was i suppose to make payment if i am unemployed and now dependent on other people ?

Ok , to cut the story short fast forward exactly 1 year later since the calls start , i was blessed with a job and i was now able to make payments . 1st the account was handed to JDT FINANCIAL who when they called i asked them for a settlement in January . i got the statement and paid off the account suddenly when i call to get a paid up letter for the 1 account i was told that the account is handed over to NBA ATTORNEYS and that i could contact them ? How why ? why hand over an account when we have payments arrangements placed. nonetheless i took my airtime an time to call this NBA ATTORNEY and asked that they send me accounts and a settlement for the other account and a paid up letter for the account that i paid with JDT. they managed to send me the settlement and accounts but dololo paid up letter . i made payments and according to my understanding i am no longer in debt with CAPITEC BANK . BUT i am still listed as a non payer and i can not get paid up letter from any of these collectors or an ITC update on mjy profile .

This that i just wrote here is very frustrating and very confusing but at the end all i want as a consumer is for CAPITEC to Update my ITC and get me paid up letters from these collators who one struggles to get hold of .

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