Credit Clearance and Profile Update

Credit Clearance I had 2 accounts with Russell's I opened at their Kempton Park branch in May 2017 and added another on in December 2017. I became unemployed from 31/08/2018 until 24/04/2019 so my accounts were handed over to a debt collections agency. I paid up the first account on the 24th August 2019 through their debt collect agency Blake and Associates.

They gave me a discount and I settled the account of R1447.00 . I went to pay at the store and I realized that they (Blake and Associates) blocked me from paying at the store. The Store manager called them and they gave me an option of paying via EFT. and I did and sent them an email as proof of payment. they promised to send me a settlement letter in a couple of days. When I called them after a week they sent me from pillar to post stating that they have escalated the matter to the management. They kept requesting for a proof of payment I sent that to a dozen of agents and managers but to no avail of clearing my credit record nor receiving any settlement letter.

Now Russell's transferred my credit to 4 more debt collection agencies. The7y claim that the payment I made was on to a closed account and I must go to my bank and request a fund reversal. I went o the bank as request and I was informed that Russell's must request from the funds reversal with my ID number as reference because when i made the payment the account was still opened. Now they're making that my problem , Debt collection agencies are still blowing my phone this day for an account I paid up a year ago. I still have not received any paid up letter and my credit record has not been updated.

The second account I paid up on the 27 May 2020 to MDBCS debt collecting agency. They debited my account after giving a settlement discount of R8000.* SMS Notification Fee* Debit Order Payment **********): Mbdcs)**********5768). The the bank notification message. They also promised to send me a settlement letter . I still have not received any letter and my credit is still reflecting at the store as I went to the store again on 16/09/2020 to resolve this issue but not progress until this day. I have proof of payment on both these accounts but name has not been cleared not my credit record updated.

Here are the email threads I have sent since this whole ordeal. 04/11/2019 to ***********, ***********

Good morning Usher,

I trust you are well.

As per our telephone conversation please find the attached proof of payment for the Russell's account that was settled on the 24th august 2019. I am still awaiting the settlement paid up letter and close this account.

I trust that all is in order.

Email sent to *********** on 28/11/2019 Good day,

I trust you are well.

I would like you to please help me by reversing this payment as it was made on a suspense account for Russell's on the 24th August 2019.

Your assistance will be highly appreciated. I sent Proof of payment to another debt collection agency ADRS. on 16/01/2020 ***********

Dear AMANDA LUBISI Subject: Notice Of Payment: RUSSELLS Please be advised that you made a payment to RUSSELLS as indicated below. Transaction number: 805EED828A-1 Payment date: 2019-08-24 Payment made from: Current account Payment made to: RUSSELLS Bank branch code: ********** For the amount of: 1,447.00 Reference on beneficiary statement: **********

Hi

I was given this email address so I can forward the proof of payment for the account I settled in August at Russell's so it can be closed.

I sent this proof of payment again to this email *********** on the 11/0/8/2020. I received an SMS requesting that I send it to that email address.

that is her response Dear Amanda,

Thank you for the proof of payment.

We will liaise with the JD Group and provide our feedback once finalised.

Regards,

cid:***********C8F0

Cherise Tyson

Reputational & Regulatory Risk

cid:***********C8F0

These are the emails sent by the branch manager on 16/09/2019. sent to ***********,***********,query <***********> and ccd myself. Good day

Candidly assist with the updates regarding the customers bureau report that has not been updated

-- Kind Regards

Thuso Itumeleng (BM) Russells Kempton Park SAP Site B271 (BM00508) No 1 Central Ave Cnr Pretoria Rd ********** **********

Good day

Candidly assist us regarding the customers profile that has not been updated to date.

The customer is requesting settlement letter of all the accounts.

But I still receive calls for the first account this morning. May you kindly assist in clearing my name and updating my credit record as I do not owe Russell's anymore. But I cant seem to shake their debt collecting agencies off my back.