Default against my name even though I paid

i am very disappointed and disgusted with Discovery Health. I owed R253 for some reason after i left the scheme and was requested to pay this via a letter that I received. I subsequently paid this amount in full over two months which was June/July 2014. <br> <br> Almost a year forward I attempt to apply for a credit card online and I receive a response back saying my application is declined because i have been blacklisted.<br> <br> I call the Discovery Health call centre and they confirm that this amount was paid and no monies are outstanding.<br> Not very comforting though as i now have a bad record against my name. i am also in the process of applying for housing finance and this blemish will not help me at all.<br> <br> I didn't even receive any phone call, notification or letter stating that I would be blacklisted.Not even a final request or anything. Seems like some people at Discovery Health are to quick to blacklist without following proper procedures.<br> <br>