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<p>I lost my job in March and need to make arrangements for my credit card and smart spend loan. I've called several numbers and been transferred to other divisions ie. Debt review, collections etc with no luck. I was finally told i cant make an arrangement for an up to date account i need to be in arrears furst! Please assist as montg end is around thw corner and i don't nees any unpaid items.</p> <p>Thembelihle </p> <p> </p>