HARASSMENT

I am being continuously threatened and harassed by an account which should be closed. I stopped the debit order as I have paid this account more than four times the owing balance. I have sent them emails justifying this and they have not responded only by sending threatening sms's and abruptly ending calls before I can speak. This account must be closed, they need to refer to their emails, in fact they owe my money.

Please note that my FNB Credit had a R4000 credit limit, when I app**** for debt counselling in 2010 my balance was R5025.43 annexure A, that was proposed by the debt counsellor see annexure B was R7819.89 in line with the In Duplum rule of accruing interest no more than the principal debt which would R8000. The handover amount you bought from FNB should have not been more than R8000 according to the following rule

The NCA provides that despite any provision of the common law or a credit agreement to the contrary, the amounts contemplated in Section 101(1)(b) to (g) of the NCA that accrue whilst the consumer is in default under the credit agreement may not, in aggregate exceed the unpaid balance of the principal debt under the credit agreement as at the time that the default occurs.

I drew a statement today annexure C showing me a balance of R7390 but I've also attached a recent email annexure which states a balance of R4706. Payments to date is R16350. In terms of the law it can be no more than R16000

By the law of above I have paid this account 4 times the principle debt and in actual fact you owe me a refund.

I will be taking this to the Ombudsman for review.