Appalling Service

I had a loan with Direct Axis and in December 2023 requested a settlement amount. The service consultant at the time supp**** me with a settlement quote / letter and advised me that: - I need to pay the full amount within 5 days as this was how long the "quote" was for. - On the day payment was made to call back and inform them of the payment and request closure of the account. The day I made the payment I called and requested the account to be closed. The consultant advised that a debit order will go off my account which I can return as the loan was paid up. She advised that the account will be closed accordingly and even made a "system note" according to her to close the account. After an inquiry on ITC today (06/01/2024) I found out that I have an active Direct Axis account with and outstanding balance of R3k plus. On calling the Direct Axis service center and inquiring about this, the consultant advised me that I indeed have an active account as a result of a debit order that was returned in December 2023 and that I am liable for the amount including the interest charges. Firstly, the account was settled and was supposed to be closed as requested in December. The mentioned "returned debit order" was as per instruction from the consultant which I comp**** with as the loan was settled. Now why would Direct Axis NOT inform me of the debit order (R980) charges or try and collect on the mentioned outstanding amount according to them. Why after one year am I held responsible for the R980 plus interest charged for 12 months on the "outstanding balance". I am so disgusted with Direct Axis and the way they conduct their business. This is no way to treat a longstanding and prospective client. Not only is it messing up my credit score, it also put my credibility in doubt with future creditors.