Collections costs

<p>Direct Axis contacted me two months ago advising me that my account is in arrears, I made an arrangement with them to pay R 2000.00 a month until my account is back up to date and this arrangement was accepted, i have been paying the R 2000.00 as per the arrangement that was made, now I worked for WesBank for 8 years and i know how the collection enviroment works over and above the fact that i know the legal side of collections, now according to my knowledge if a client has made an arrangement and is paying according to the arrangement then why do you call the client again and charge him collection costs again, how must a client then get the account back up to date if the collection costs are R 350.00 , then i get told some bull twang story saying that they charge it once a month if your account is more than one month in arrears, that is not how DCA ( Debt Collectors Act ) works nor does the CPA ( Customer Protection Act ) or the NCA ( National Credit Act ). I know for a fact that in the First Rand Group, if you made an arrangement with a client and that client pays according to the arrangement, then you dont call the client or charge him collection costs, in fact it works like that in any credit providers collection department .</p>