Extremely Poor Communication and Delayed Response

I contacted the credit provider on 3 July 2025 with a clear and constructive proposal to settle two outstanding personal loan accounts. Despite my willingness to resolve the matter and outlining a structured repayment plan, I received only a vague response five days later, stating that my request was being "escalated to Legal Collections" with no timeline, no confirmation, and no resolution.

It is now well beyond that, and I have still not received any follow-up, written confirmation, or guidance. This level of service is unacceptable—especially when a customer is proactively trying to settle debt responsibly.

Repeated delays, lack of accountability, and poor communication from a financial institution are incredibly frustrating and disappointing. I expected far more professionalism and urgency in handling such matters.

Would not recommend dealing with them if you’re expecting efficient, respectful, or solution-oriented service.