Not gona pay for incompetency by Capitec staff

Had a loan that was due on 31 Dec 2021,but because i received my salary earlier the debit for the loan also went early.

I then went to apply for a top up on the 18th and it was approved,the consultant informed me that the debit date will be 31 Jan 2022 because i have already received my salary for Dec 2021.

I read the contract when i got home and realised that the initial debit date is 31 Dec 2021,i contacted the branch and spoke to the consultant who assisted me with the loan and he said its a system error and they wont debit.

I sent an email to customer care and collections dept on the same day addressing the same issue.

On monday 20 Dec i went inside the branch and another consultant called the collections dept and informed me that they wont debit for Dec as previously explained.

The same night (Monday)a debit order went off my account for the same topped up loan ,i called collections and they acknowledged that it was a mistake and they reversed the payment and assured me that debit date will be 31 Jan 2022.

Today i received a call from Capitec advising me that my loan is in arrears and debit order is pending.

The lady advised that the solution will be to restructure the loan and my instalment will start going off on 31 Jan 2022 with an additional R80 per month.

I refused that restructuring because this was not my fault and i tried to address early but no one could assist.

I also stated on the email sent on 18 Dec that i am not going to pay any additional fees incurred for faults caused by yourselves.

No consultant names mentioned here however i do have all the names available on request.

NB:This is not the last stop for my escalation.