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<p>I had a loan with FNB. I missed payment and was refered to the debt collector. I was then liasing with the collectors for payment arrangement. July I was offered the settlement arrangement with the discount which I took. I settled my account on the 8th July 2017. Week later my account was debited. I called in for a refund, spoke to Rose White, who said I need to send the proof of payment which I did. I was told it will take up to 48 hrs ro be processed. It is almost a month now and I am still waiting for my refund. I am sending emails after emails, made calls after calls, nothing is happening. </p>