Mobicred disappointment

I opened a Mobicred account in 2023 and paid when I was working. In 2024, my financial situation changed and I paid when I had an income, but barely. In 2025, I started paying the account from February till April, missed May due to delays in clients paying and then paid 30th June, intending to make up for the payment when a larger amount was available after my responsibilities.

I never denied paying the interest as I was grateful I could keep the account after I paid it off. But somewhere along the line Mobicred decided to hand me over, which could have been done in 2024, but instead was done when I am making an effort to rectify the issue. The initial debt was around R 5000 and with payments and the fees, sits around R 3000 but now I am hounded everyday to make an arrangement and verify and and and......

Why didn't you hand the account over in 2024? VVM issues a section 129 the day after a payment was made. you receiving the interest, the debt collector fee and was charging the monthly fee. When I queried if I can close the account and just be indebted to pay the outstanding, I was told no as only a portion was seen as an arrear amount and up to April 2025, I was receiving statements from you.

So my question, If a payment was effected 30 April 2025, why then was I handed over and why did my statements stop when end May was when I defaulted.

Its fine you don't want me as a customer for obvious reasons, but your steps to recover your debt make no sense. and I answer all my calls from you. So show me my fault, show me your legal reasoning so I can wrap my brain around your decisions.