MAD AS HELL!!!!

<p>i app**** for and was granted a loan by Capitech bank, the contractual debit order date is scheduled as the 25th of every month those are the terms i agreed to. however my first debtit went off on the 22nd of August. I was frustrated that i recieved no request for this to be performed - it was deducted without notification from Capitech - I then called in the customer service centre to request a reason why this was processed as these funds were allocated for another purpose and their installment would have been made available on the 25th for their deduction as contractually agreed. I was advised by Ethan from the collections dept that there is a neo-tracker that goes out to automate deductions where the funds are available ; this neo tracker is not mentioned in my loan contract, why give ask me which date it should go off if your going to deduct it prematurely at your own leisure? this is my bank account or is it not? I then requested a reversal of the funds and was told that because i banked with a different institue this would not be possible ? the consultant told me that i was making their job difficult and that the admin dept would respond to him with a decline as they find the process tedious? i found this amazing as they didnt find sending the tracker and taking the money earlier than scheduled a tedious!!!! I then asked to speak to the team leader who stated that he would authorize the reversal - I advised him in clear english that Capitech must re-debit the account on the 25/08/2016 as agreed and he assured me that this would be logged and processed that the funds would be re-debited on the 25th. This did not happen and as a result I contacted Capitech to advise them that the installment was not debited as agreed. I was then transferred to the collections dept where i reiteratted that the subsequent debit had not been performed. I was advised that they would make a special arrangement debit order as they omitted to perform the debit , I was then advised that i would have to agree to a slow payers terms and conditions first and acknowledge the special debit arrangement as a defaulted account and only then would they be able to access my account and take the funds!!!!! i am so enraged why should i have to call myself and acknowledge on the system that my account is in arrears as a result of slow payment in order for them to take their money !!!!! i was not called prior to this to give authorisation for the neo tracker to take my money prematurley !!!!!! i refuse to declare that i am a slow payer that affects my credit rating or agree to the declaration when its not even my fault that the second debit was not deducted as agreed!!!! its Capitecs fault!!!!! why cant they take their money without auth just like they did on the 22nd of Aug 2016. i was then contacted by the collections dept and told that my account was overdue !!!!! i asked the consultant if she read the notes on the system and was aware that the bank omitted to take the second debit date and that i have been on the phone for 5 days on end trying to resolve the query and being sent from pillar to post without resolve - her stupid response was for me to make a cash payment at my nearest branch!!!!! i advised her that i will not be taking off work to stand in long queues to resolve an issue for which i am not at fault - i have a job and i dont have the pleasure of spending the day at the bank and not getting paid !!! she then told me to follow up with my bank and request the authorization of the capitec debit! is this bank even for real ?????? i have spent enough airtime and lost enough productivity stats at work - i will not call the bank again - i have repeatedly given verbal authorization for the money to be deducted - i will not admit to being a defaulter when its not my fault!!!!!!! why cant they just debit the account? i then recieved another call from a collections agent telling me that i am not willing to resolve the matter and that i actually dont want to pay the bill!!!!!!!!!!!!!!!! i responded in saying that why would i be following up and contacting the bank to remind them to take the debit if i was avoiding payment? how dare she imply that this is some tactic i am using to avoid the repyament - i am not a theif and further more i will not be spoken to as thus </p> <p>by some telecom agen that cant read and interpret the situation!!!!!! I AM ABSOLUTELY ENRAGED - I HAVE 4 REFERENCE NUMBERS - AND 3 NAMES AND I STILL HAVE HAD NO RESOLVE !!!!! WHY CANT A MANAGER CONTACT ME AND RESOLVE THIS - I KNOW MY RIGHTS AS A CREDIT CONSUMER - I WILL NOT BE MARKED AS A SLOW PAYER JUST SO THAT A DEBIT GOES OFF, WHY CANT THEY JUST TAKE IT OFF WITHOUT THAT IMPLICATING DECLARATION!!!!!!!!!!</p>