Home Loans Department - How does your system work ?

Very sad to see the Debt Rehabilitation Department sends a letter to DT Debt informing them and us of a default on our Home Loan ? We've been under Debt Review and out since 2017. Where does this come from ? Our Home Loan *** is being paid on a monthly basis and regularly, and definitely not in arrears. I contacted Nedbank Home Loans on various occasions to ensure my account is out of Debt Review. I called and was told only on my ID and not my Spouses ID. Yet this is a joint Home Loan. I was told his name still appeared under Debt Review. How is this possible ? Clearance Certificate shows both ID no's. This stressful going back into a matter that should not arise from time to time and also a solutions as how people will communicate to resolve it permanently. Nedbank please sort this.