Frustrated!

I am having a few concerns and dissatisfaction's with Capitec - relating to my loan account with you. Firstly when I app**** for a consolidation loan the consultant that assisted me used information/the settlement amount from the Credit Bureau, and did not request a settlement letter from African Bank. After the Capitec consolidation loan had been approved and Capitec paying the loan at African Bank, African Bank informed me that I still have an outstanding amount and they can only close the account once I have settled the full amount. I had to pay an amount of R2,395.47 to settle African Bank. Of which if the Capitec consultant that assisted me had done her job properly and contacted African Bank to request the settlement letter and get the correct amount that I owed African Bank, I wouldn’t have owed African Bank. Secondly, in January 2020, Capitec debited my account (external bank) early, on the 21st of January instead of the last day of the month as per the arrangement/agreement. This resulted in the debit order bouncing, as I hadn’t been paid on the 21st. I was reassured that the debit order will definitely go off on the last day of the month. But they did not process the debit order end of January 2020. Now to my surprise Capitec is sending me sms’s advising me that my loan account is in arrears, yet they did not even process the debit order on the last day of the month, because the money was in my external account on the last day of the month, and still is. I am very concerned as this is going to reflect negatively on my credit profile and affect my credit history.

I have sent an email to Capitec on the 05 February 2020 however I still have not received a response.