Poor service and infltattted interest on my account

Dear Sir/Madam I am writing to you regarding the above account ***

I have been dealing with the Sigma collections solution which I have found to be a nightmare till this day .

They have failed to give me true reflection of the monies owed to you as direct axis, they have quoted me a settlement balances that Is way above what I currently owe and could not provide me with proper break down of how they got to the balance outstanding and adding ridiculous interest on top of what I owe. They have added interest on top of interest and are giving me principal debt as settlement amount instead of capital balance plus number of days interest. They have charged me for calls , sms and emails sent to me even though I'm adhering to arrangements and paying my account monthly.

I advised them that I don't need them to call me every time as I am adhering to the agreement which is adding more to my collection fees but they seem to do so all the time and sending unnecessary SMS of saying thank you for the Payment which add more to my debt and they charge me for that too .

They debit my account on the 22 of every month but they only pay through direct axis late in the month around 30 which reflects as if I'm a late payer and reflects even badly on my ITC. As a result in the past couple of months I made decision to make payments directly to direct axis myself to avoid being penalised for late payment. Their consultant are rude and always call in to harrase me agent name of Elihle is extremely rude and abusive. I have asked for settlement amount and they advise me I don't qualify for discount even if I'm planning to settle my account I must settle on contract balance which does not compile with NCA rules of settlement.

I have called direct axis asking to speak to my account controller to get more clarity on this matter and possible get a settlement quotation that is reasonable enough for me to settle my outstanding balance but no one is willing to assist from both sigma and direct axis.