Cell C destroyed my credit score without informing me.

September 2020 I took out my first ever cellphone contract with Cell C. It was great and I did not really have a problem with the coverage or anything else. Until earlier this year when I found a provider who had a good deal on a device I have been trying to get.

I approached the same place that I took out my contract to find out out about the process of cancelling my contract. I was told I would have to pay a cancellation fee. The consultant printed a document showing how much I would have to pay to cancel the contract. I paid the amount as given to me by the lady on the day and after bringing proof of payment I went through the process of cancelling my account because at that time the outstanding balance was paid in full.

A few weeks later I received a statement from Cell C as I had always been doing so every month. The assumption was that its just a generic statement as it showed the settlement amount. This was at the start of June 2020.

Fast forward now to September and I am trying to get finance for something, but my banker told me that the application is declined because Cell C says I owe them R46. Since June I have never recieved any communication from Cell C informing me of this and why did they accept to cancell my account if they knew the full balance was not paid.

My banker told me that he can motivate for me to still get credit, but I would need to provide a proof of settlement letter from Cell C. So I went and paid the R46. I called Cell C a few times asking for a settlement letter and was told i need to send an email to the debt department since they are working from home. Almost a week gone and no response what so ever, even resorted to sending the same email every hour but its like they have skeleton workers.

After paying my account every month my credit is now messed up because Cell C said I must pay a settlement amount to cancel my account only for them to bill me for something else and not inform me about it for me to pay but they can inform the credit companies.

This is absolute madness.