Nedbank calling from strange number +***

I get missed calls and voice mails several times a day by Nedbank Credit Card div.

Probably because I cannot afford to pay my credit card anymore for the reason all my debts and finance accounts suddenly esculated excessively over the past 6 months because of interest rate hikes

Where I was left with R4000 for myself after ALL my accounts were paid this high interest rate killed that reserve and even started eating into my other debt, so that I am now over R3000 under my total budget. So after deductions and debit orders that are returned because I do not have enough in my account I get mor and more in debt now and don't even have money left for groceries, fuel or electricity anymore.

For example my bond at MFC was +-R6800 in 2021, and now suddenly went to over R11000.

R4000 extra that I hadn't plan for and don't have. Same with ALL my credit cards, personal loans and vehicle finance. RCS is phoning me also several times a day as I also cannot cover my Game and TFG accounts anymore.

I am really battling right now and I just cannot pay my monthly payment at the moment.

What can I do?

And together with this stress all your calls and messages. Firstly it seems you calle from a cellular number - +*** that does not have whatsapp and seemingly can't be called. The voicemails give other numbers.

I really can't even phone back as my Vodacom account is also in arrears now

Apart from this I am in strict work so I can't answer private phone calls and at night I don't want to answer calls. This number keeps calling me morning afternoon evening and night, weekdays weekends doesn't matter.

And of course I suspect you charge hefty fees for these excessive calls just to add to my already arrear account to suck out of me as much as you legally (is this legal - NCR??) can like to kick a man that's down

I don't do phone calls and I do not like phone calls. I like written communication because firstly everything you say, and everything I say on that is in writing and backed up for my or your reference.

Secondly it is easy to check up on what was agreed or said on email communication.

Thirdly I am not of English toung and I struggle to understand or to express or explain myself on a phone call causing me to explain myself incorrectly, and not properly understanding what the agent says.

If the agent say the exact same on an email I can take my time to read and take my time to answer and explain. And most importantly then everything that was said and agreed is on written record for both parties.

I don't do phone calls and prefer written communication which I will ALWAYS gladly respond to.

So please stop these annoying calls that I am not going to answer anyway and start being professional and do things in writing first.

Lets writtenly communicate and solve this matter.

I really don't know how to pay my massive payment and get my account up to date at present but I know whenever the repo rate lower again I would get some relief although all my accounts would be in worse conditions and my good credit record killed thanks to the government and banks for trying to get blood our of a rock by increasing these rates so very much.

Please reply and remember my phone os automatically set to block any unknown numbers. Lets rater talk what is to talk over email please.

Thank you.

Will be expecting written reply to solve this matter very soon.