FNB credit card debt mismanagement

FNB Credit Card Account Irregularity

I, Glory Mkatswa, was a client of FNB and my credit card was owing R30 000.00, which handed over to Barret & Associates lawyers for debt collection.

Barrets & Associates called me and we agreed on an arrangement ***, of R300 per month, which I paid for 5 years. After the 5 years of making payments, I received an sms from them that they will no longer be accepting payment from me whether by EFT or by direct deposit, they mentioned that I had settled the debt and I should go to my service provider who is FNB. I never received a statement or any other communication from FNB or even an sms mentioning any outstanding balance and to me this confirmed that I had finished paying off the debt. To confirm this stance, I went to FNB Vosloorus where I was told that because the account had been handed over to the lawyers for debt collection, my account was no longer on their system. The lady further said that it meant that I had settled my debt. I did not request a paid up letter.

Recently in June 2023, which is approximately 2 years after my visit to the bank, my son received an sms on his personal phone from a company called Syminto De Kok stating FNB Credit Card *** and stating that I should contact ***. No amount was reflected. I did not respond to the sms.

In summing up, I feel frustrated and misled by both FNB and Barrets & Associates because I was led to believe that the account is settled. Now I am unsure of whether the debt has been sold to Syminto De Kok and could this be legal thing to do by FNB?

Kindly assist me in getting clarity and possible closure on this matter. Your record speaks for itself, Hellopeter has become a voice for voiceless custmors like me.