Credit facility

I took out a credit facility 2months ago with our lovely capitec bank who i had no issues with paying my almost two year old existing loan until i had to withdraw zar1000 on the first attempt and set amount to be taken at the end of the following month. I took another amount in the same month and thinking im setting up a new agreement instead make repayment over 2months.

At the end of the month it shows payment has not been made , however there was an attempt to make payment. I went into a branch they've explained that i should wait for a later day to see if amount has cleared and been taken.

Left the branch, few days later no payment made and i am now behind on payment and a threatening message to say my credit file has been impacted. I jumped onto the phone asked to speak to a manager and my kind heart still made a repayment of zar500 bare in mind we are now a few days in the month. I spoke to the department which unfortunately can only be dealt with on the call and my working hours etc. I then called back in knowing this can only be dealt with on the phone since most agents still working from home and manager will call me back within that week. I stared at my phone no missed call.

I went into branch again requesting to speak a manager as i need answers as why payment has not been taken or made and my credit file being impacted and working my **** off to keep this going.

Again, we called through to the department wanting to speak to a manager to explain this. Assistant agreed that agent need to arrange call back for the Friday . Made arrangements to answer my phone when manager calls at work. No call back.

Left it at that. Random agent calls to advise of missed payment. Bare in mind i have already requested to speak to a manager but no help! Anyways i made completely new arrangement with agent.

Come this pay day two debit orders came out and jumped on the phone during my lunch break. Waiting almost my whole lunch over and airtime wasted. I got through to an agent and he confirmed this should reflect in a hour. While advising him that i have been expecting a managers call suddenly line got cut.

So i am sitting with arrears still showing on my credit file, 2 debit orders out. No manager call back. No reversed debit order and a whole lot of stress! I need answers!!!