Pathetic service - Covid relief

I had app**** for Covid relief for myself for my personal loan and my husband for his car finance in April 2020.

I received two reference numbers, one for each application. In June 2020 I received a call from Nedbank stating that my account is handed over to legal. At this point I advised the consultant that I was unaware that my account was showing in arrears as I app**** for the Covid relief in April and haven't received any call till now to say that I am in arrears. She just went on to make an arrangement and did not assist with my query about the Covid relief. The following month I received another call where I raised my concern, as by now I had seen that I had an adverse listing against my profile which prevents me from taking on any further credit. The consultant provided me with a email address to raise my concerns, which I did send through and received feedback after a month.

This feedback was very concerning as I was told that the Covid relief was not approved because my account was in arrears. I then responded to the lady and advised her that I was not in arrears when I app**** for the relief as this was prior to my debit date for that month. She then said she would get back to me as she needs to discuss further with "product". When she did get back to me she just stated that it wasn't approved.

As you can see, first Nedbank tried to blame it on me saying my account was in arrears, then when I proved that my account was not in arrears, they just say sorry it wasn't approved. No reason given at all after I proved them wrong.

In saying this, why was I not contacted in April or May when payments were not made for my account. They let it go into the third month after handed me over to legal to contact me. If they contacted me in April then I would not have this listing against me. Now they saying the entire balance is due/must be paid to get my name removed when my loan term still has about 3 to 4 years to pay. This means that I cannot even purchase a house or car until this account is paid up which is ridiculous.

My husband's car finance Covid relief application was done by me on the same day that I done my own. He has had no issues at all and nobody contacted him to say if it's approved or not, same with me. Why are your customers treated so unfairly. What is the excuse for not contacting me I. The first month that payment wasn't made. Why was my Covid relief application refused and not communicated to me. This was a relief system put in place by the government how can it just be refused without even contacting me. This is nedbanks way of making more money as far as I'm concerned. I even said I would pay the three months that was supposed to be under the Covid relief just to get my name removed off the adverse listing and the consultant said that can't be done and will only be removed when the account is settled. You are ruining people's lives. I was supposed to purchase a property and that is how I found out about this listing.

I want this resolved. Pathetic service nobody knows what they doing or saying