Nedbank MFC is the worst!!!

During the covid19 pandemic I app**** for a payment holiday on my vehicles which was approved. I later app**** for a personal loan to consolidate debts which was not approved due to a financial institution that flagged me on ITC. I noticed it was Nedbank. I contacted them and asked them if everything was up to date regarding payment and they told me everything is paid up to date however the payment holiday does affect your credit rating, which is also unclear as they told me it does not when I app**** for it. This morning I receive a letter of demand which states that my account is behind, that it is in arears, that I have 10 days to pay before it gets handed over to a legal firm that whitin 20 days they will notify ITC which they already did!!!!!!!!!!!!!!!! Please stay clear of MFC!