in shock

good day <br> <br> <br> <br> firstly please explain to me if my account was handed over in January 2015 why you would only contact me non-stop in October 2015????<br> <br> <br> <br> why am I being charged by arrogant and obnoxious debt collection agents for a call I MADE?<br> <br> <br> <br> they cannot even provide me with decent answers and yet I have to pay for a phone call I made I think that goes against my rights as well as getting called every 5 minutes hello please that is harassment.<br> <br> <br> <br> Secondly after 3 years capitec decided I owe them, and that's not a problem but after 3 years I do not think the correct procedure was followed as well as having me listed WITHOUT INFORMING ME THAT I AM IN DEBT WITH THEM...<br> <br> <br> <br> please explain to me exactly how that works or how that is fair after 3 years ???<br> <br> <br> <br> As the debt collections firm please explain the procedure to me because somewhere somehow I am misinformed and refuse to speak to your debt collection agents who have no clue as to how to deal with the consumer (public) !!!<br> <br> <br> <br> <br> <br> thank you