PLEASE STOP HARRASSING ME WITH YOUR PHONECALLS THE MATTER IS WITH THE OMBUD FOR THE ***** YOU ARE PERFORMING

Please stop calling me over this student credit card, I have referred the matter to the ombud. I have made a formal complaint with you guys regarding this credit card and you refused to assist: ref ***2. the details of the complaint submitted to the ombud were as follows: I had a student design credit card that I opened when I was still a student in 2012.I recently received a call from an Nedbank consultant stating I have an outstanding amount on my student credit card, I could not understand this as this account to my knowledge was closed back in 2016 when I was told my card had expired and could they did not offer the account anymore so at the time I paid up the account and asked them to close it, so know imagine my horror when I was called and threatened to be blacklisted over this account, please note I cannot be held accountable for any fees you were charging since 2016 because my account should’ve been closed back then. It turns out Nedbank had been charging service fees to this account after I had paid it up, they then debited my cheque account with the minimum amount to keep the account alive, i.e they would charge me more fees and interest than what they were debiting from my account, i.e they wanted to debit my account for life because in this way, I would always owe. Please bear in mind that I never gave them authority to debit my cheque account (A principle known as setting off in common law and NCA, which is prohibited). Second issue here is that in-duplum was never app****. 3rd issue is that this debt should have prescribed.