0% interest with adjustments added at a later stage.

2 of my FNB accounts has been handed overt to GLA Attorneys, i have co-operated with all the agents and have been making payment on both my accounts since start go. Around August 2018, Leareil contacted me and gave me a 0% interest on both my account if i increase my monthly installment, which i did. after paying my account every single month, i went on the swordfish system to monitor my accounts payments monthly. In December 2019, i discovered that my balance on their books does not match the balance on FNB's end, which led to me drawing a statement from FNB to see why there is a difference. I discovered that FNB has still continued adding interest every month in their side, where the interest was suppose to have stopped as per the offer i was given. Upon questioning Leareil regarding this, he said they need to adjust their balance to align with the balance of FNB, which is puzzling me. he then made an adjustment of +-R6000.00 on my 1 account and another +-R3000.00 on the other account.

I then took this further to inquire as to where this adjustment is coming from if i have been paying my account monthly without failed on a 0% interest rate. No-one could answer for this, i tried sorting this matter our via the Manager Michelle by means of email communication and telephone conversations. This was unfortunately not worth my while so i went to their office and had a sit down with Michelle, Leareil and Collis. In this meeting i asked if they are comfortable with me recording our discussion and they all agreed to it. We then went over the same information on my pc as i took records on my pc to them so they can see what i was talking about. I left this meeting on the 10th of Jan 2020, with nothing other then they will need to investigate this to see why their balance was different from FNB's balance even though i have already made them aware of the fact that FNB has informed me that they are still running interest on my account which was only stopped when i sent a statement from swordfish to FNB.

In essence, i then requested that the Manager Michelle avails a copy of the recording where i was given the 0% interest by Leareil and also telling her on which date the call took place. She said that she is unfortunately not going to give me a copy of this until she has completed her investigation. Up to today, i have not received any feedback from Michelle, or any one with regards to the investigation, despite my attempts to get hold of Michelle from Monday 27 - 29 Jan 2020. I also sent her emails on an email requesting for feedback on the 28 Jan 2020 was also sent to Michelle.

My question is that if i was given a 0% interest rate from GLA attorney on my FNB accounts from Aug 2018, and FNB still ran up interest monthly, then who is responsible for the interest that has been added by FNB from Aug 2018 up to today??? and why was there adjustments made on my accounts at GLA??? i even went as far as asking for a breakdown of the amounts that my accounts has been adjusted by and still have not been given this either.

I am certain that i have the right to request a copy of the recording where i was given the 0% interest. What can i do to get this recording so that i can make use of this to protect myself????

This above does not include anything with regards to the service i have been getting from the agents. This is stressful as i am trying to get these accounts paid up.