Misleading!!!

Capitec is full of it.. You tell the people they will get an interest refund in their accounts... Then the people pay and then you come with that nonsense that its credited to the loan account as a reduction on the capital! How exactly are you helping us through this tough times...we don't need reductions in our loans if our payments are being made on time..that does not help us in any way! Further more you send out a link for us to watch how the interest refund helped clients... how exactly? Capitec contacted me and promised me that i would recieve the money (money obviously for my personal use from the interest refund). I called and queried the refund after the 6th successful payment and was told by someone by the name of Zoliswa Mzamo that it goes to the loan account. ref ***5. Furthermore in every sms you sent out, no sms stated that the refund will be made to the loan account as a reduction on the capital! Please explain how did those clients in the video i watched was able to make use of the money to make their lives easier and how we cant do the same . The testimonials that your´ll are uploading are **** because the people say they use the money for their personal use and how it helped them in thier personal lives. Please stop misleading us because I am ****ed of i had plans with that money. I always make sure my installments are up-to-date and never missed any payments for all and any loans previously taken and payed up. Now im stuck with those plans i made becauses of your promises and not a cent back! Miscommunication you say? No It seems like you are *****, caused alot of inconvenience to me and my family. Im on the verge of cancelling all services with your'll henceforth. Thanks for nothing capitec bank!!!