If its not incompetence, its harrasament !

Like many, COVID had an immediate impact on my finances and ability to pay. I did however, make a payment arrangement with Discovery Bank in September last year - which I have stuck to by the cent. For a while after the arrangement was made I would receive mails / sms's threatening to hand me over if I did not pay my arrears, and after many complaints, it eventually stopped. It has started again !! Every 2nd day, I receive both an email and an SMS , sometimes at 2 in the morning. "to avoid us handing you over to debt collectors, please pay ***x immediately"

Every time I speak to a consultant, I am told to send the email dating back to September that proves an arrangement was made - because there are no notes on the system to say such an arrangement was made. Every consultant promises that they will make such a note. Yesterday, I was told that "perhaps" the notes expire after a period of time.

Today - another SMS and an email.

Ironically, I also get an email / sms at the end of each month reminding me to pay - as per the arrangement made !

If you cant manage your systems , how on earth could you be trusted to manage clients money ??

Is this incompetence , or plain harassment ??