Constant harassment and threatening

So i wrote a review on sunday. Capitec responded they will contact me. And they did. A lady phones and says shes phoning about my paid up loan being i arrears. I tell her I WILl NOT pay it. Guess what she tells me? It will appear on my credit profile. Lol. Bring it on capitec. I will be rrporting this to the NCR. Nice one picking on the little guy.