Harassment

I am writing to formally lodge a complaint against Hammond Pole Attorneys, who are acting on behalf of FNB regarding my credit card account (Account number: ***, Case ***).

Despite my clear communication that I am currently unemployed and facing severe financial hardship, I have repeatedly received threatening emails from the Pre-Legal Department stating that legal action will be taken against me unless I bring the account up to date. This is despite me offering a token payment of R50 per month, which my fiancé is assisting me with, until I secure employment.

I have been fully transparent about my situation, and I believe their actions are not in line with the National Credit Act (NCA), which protects consumers from harassment and undue stress. Specifically:

They have not taken my current financial hardship into account and continue to pursue legal action despite my efforts to resolve the issue amicably. Their communication is causing undue stress, and they are ignoring my requests for a reasonable arrangement that reflects my current financial situation. I am requesting that FNB and Hammond Pole Attorneys cease all further collection attempts, including legal threats, until my complaint is addressed. I am committed to paying off my debt as soon as my financial situation improves and believe that my rights as a consumer should be respected in this matter.

Kindly investigate this matter urgently and resolve this issue as soon as possible.