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I called Direct Axis for a settlement letter, they supposedly emailed letter to me on the 20th, I don't receive the letter I call again the next day still don't receive it, I ask the consultant what is my settlement he tells me over the phone but I still want it in black an white.. I ONLY RECEIVE THE LETTER THE EVENING OF 23RD, I call in again and the lady tells me the amount is still valid for 5 days... I Pay the amount and the lady tells me to email collections, I do so. I call in today to find out if my account t us closed as requested and the lady in customer service very confused says the amount I paid was wrong.. Seriously I have a letter, she then tells me to sent letter and proof of payment which I do.. Later the afternoon my cousin puts money in my account for something 2 be paid and boom debit order goes off!! I call in to request they refund me and I get told that the settlement amount I received did not include my installment!!! What BS is that! I requested a letter so I could pay all my debt, not once did any of the consultants mention that my installment was not included and neither did the letter so why must I bear the Brandt if my account is not closed I'm going to National Credit regulator or to court!