Unfair hand over

<p> I received an sms from LS legal services that my personal loan account has been handed over. I find this to be harsh and unfair business practice as Section 129 of the Act places an obligation on a credit provider to notify the consumer of its intention to hand over for the commencement of legal proceedings prior to doing so which did not happen. I am not aware of any non payment on my account and if that’s the case then there must be a letter, SMS notification, e mail or telephone call expressing my lack of response to payments which I am not aware of. Furthermore if indeed the account if in arrears I was never afforded an opportunity to rectify it which I would not refuse as I don’t want a judgement against my name and it would not be necessary for them to institute legal action. The account is now 31 months and the relationship was fine until I get the hand over notice. This is unfair as hand over must be last resort if FNB has exhausted all reasonable attempts to recover the outstanding installment which i am not aware of. I am available on my cell phone I provided and they can also get hold of me through e mail, postal or Sms communication. I would like FNB to reinstate my account and I will rectify it if there is a need as I would not allow account to be handed over which affect my credit record. I would never abandon the account after 31 months in a relationship with FNB. I still dont understand why the responsible person who administered the hand over was this harsh.</p>