Ineffective Homeloan Restructure

<p>My Nedbank Homeloan account was in arrears, and I requested a restructure in order to remove all arrears. The restructure was approved and I was informed by Nedbank to go to my branch on the 15th of December 2016 to sign the restructure documents which I did, I was informed that the next installment that I will pay was going to be for the new restructured agreement, my salary was paid on the 20th in December, and Nedbank deducted their installment on that day, after the 1st of January I received a message from Nedbank that I had not paid my installment, which was followed by a call after a day or 2 from the collections department that I had to make an arrangement to pay the arrears.</p> <p> </p> <p>I asked the lady that called me how could I have arrears if a full restructure of the outstanding amount was done, she informed me that Nedbank deducted the installment on the 20th, but the restructure was only done on the 22nd, so if the installment was deducted after the 22nd then I would not have been in arrears. I then called the gentleman from the Restructure department who assisted me, he informed me that the installment was not supposed to have been deducted and I need to call the collections department and request a refund which will be used to pay as per the restructure agreement, I called the collections department and I could not be assisted. I then contacted my bank, did a reversal of funds and Nedbank deducted those funds again, and also paid my February installment, and that still did not remedy the issue.</p> <p> </p> <p>The restructure was not completed correctly, as I was still in arrears after it was done, and telling a customer that it is their fault that an installment was deducted earlier and not after 3 days is completely ridiculous. I am at my wits end, I have no idea where to turn to, as an administrative error is being blamed on me as a customer, and there is not even one person at Nedbank that can assist me.</p>