Nedbank Refinance Nightmare: R40,000 Payment Unconfirmed, Overdue Demand, and Credit Bureau Threat

I complained about poor service from Nedbank: my refinance was not processed on time, I received no quotation, and my R40,000 payment was not confirmed or allocated. While my query was pending, I got an overdue demand and a credit bureau threat. I also waited over 50 minutes while consultants chatted instead of helping. I am demanding written confirmation of payment, the refinance quotation, suspension of collections and credit bureau reporting, correction of any incorrect status, a written explanation, an investigation, a complaint ***, and a response within 5 working days—or I will escalate to the National Credit Regulator, Credit Ombud, or Banking Ombud.