Worse Education loan provider ever

<p>I took a loan with Eduloan in 2014. been paying the Loan. My account was fully paid in June when I Deposited the R640.00 Settlement amount, which the amount i received when i enquired about the remainig amound that i owed them because I wanted to close my account. I spoke to an Eduloan Agent who advised me that my settlement amount was R634.26 and since they have debited my R1144.32 i can reverse it from my bank and transfer what i owe then as if they give back the balance it will take longer. I took the agent's advise and reversed from the bank and I indeeed went and made a direct deposit of R640.00. I called to make sure that the money reflects on their side and requested that my account can closed and the debit orders to be cancelled on their side.</p> <p>To my shocking surprise on the 28th of July and amount of R1144.32 was debited from account and it was EDULOAN that debited. then i called them to enquire about this debit order. I then spoke to a lady called Gloria whom confirmed that my account is fully paid and is closed. i then i asked her then why is this debit order going off as I have requested that my account can be closed and debit order to be cancelled, she didnt have answrs for me i then asked her to transfer my call to someone who can be able to give me answers which she wasnt even willing to transfer me to anyone I then insisted that she transfer me to her superior, then Gloria transfered me to Nompumelelo.</p> <p>I then spoke to Nompumelelo whom i took her through my story and she indeed checked my records and she confirmed that my account is fully paid and closed and she did not know why there was a debit the went off. i then asked her a way forward and she did not have details as to why it was debited and if they will cancel the debit and sort out my problem. Nompumelelo apologised for inconvinience and promised to call me on friday morning as she has escalated my query to the people dealing with accounts.</p> <p>On friday morning after noticing that i havent received any call from Nompumelelo i took the initiative to call her to just ask for an update as this is the serious matter to me. I couldnt get hold of Nompumelelo but I spoke to a lady called Iris whom said Nompumelelo was unavailable but will ask her to call me back, within minutes Nompumelelo called me and to my surprise a tune to her song changed. It was no longer her saying my account is fully paid and closed but she was now saying i still owe Eduloan hence the 1144.32 was debited and I asked her why as i have been keeping track of my account and that i paid my settlement amount, she said because there was a refund that was sent to me. Nompumelelo could give me answers as to which refunds and why is it that i was refunded while I owe them and have paid them.</p> <p> </p> <p><br />I then asked to speak to Nompumelelo superiors or someone who can give me explanation on this refunds and debit that i have no clue about. Nompumelelo then mention that she will transfer me to Dyleen which was then busy with the Payroll people as per what Nompumelelo said to me, but she said she will ask her to call me and then was 10am. At around 3pm I then called Nompumelelo to ask id Dyleen is still busy with Payroll people but she said Dyleen is unavailable as she is not at her desk but she will ask her to call me. Friday passed without a call from Dyleen and thought maybe she will call me on weekend as they sometimes called me on a sunday to ask me about my settlement, weekend passed with no call.</p> <p> </p> <p><br />Monday morning August the 1st i called EDULOAN and asked to speak to Nompumelelo and a lady called Oarabetswe/ Kearabilwe informed me that Nompumelelo is not at work and i asked to speak to Dyleen and the agent took my numbers and said she will ask Dyleen to call me back. Indeed Dyleen called me and i gave her a background of my issue and she said she will call me back after she had investigated and fowarded my details to the Refund department. She called me back after few minutes and she was telling me that inded i owe EDULOAN because they have refunded me some money, i then asked her why were they refundng me, and which refund and i asked her who asked for the refund as i havent asked Eduloan to refund me any money, she then said " It is not the fact of who asked for the refund, what matters is it was refunded to you and u have to pay it back" then she i asked her but who asked for that refund hence i cannot fight to fully pay you guys to aske for a refund at the end. Dyleen then said she want to explain to me why I owe them i then asked her but who asked for the refund she then said "Miss Phetla i cannot stay ont he phone the whole day with just one query" which i found that rude and i told her that this matter is as important to me and that i am also their client and i need the matter sorted out. She then said if i do not stop interupting her while she speaks she will hang up the phone which still i find that very rude and i told her she was more than welcome to hang up and i did her the favour and hanged up before she can go through all the trouble of hanging up on me.</p> <p> </p> <p><br />My problem is I never initiated any refunds from Eduloan and to my knowledge I have fully paid this account. I think Eduloan just want to make extra monry for themselves by making people to keep paying them even after they have fully paid them. Now since i will not be able to pay them anytime soon i know they will add interests in my account until it gets to R5000 and or if i am unable to pay them they might list me as a Bad payer as Nompulelo said.</p> <p> </p> <p><br />I am really angry and gatvol with Eduloan and its been three working day aldeary but i have no way forward or clear answrs, who asked for the refund and who should payback for the refund.</p>