Poor Customer Service

I have vehicle finance with Nedbank and I missed my December installment and I missed this month as well due to some unforeseen circumstances. Now when I call Nedbank I’m told my account is handed over and that they wont accept my new banking in order for them to bring my account up to date next month on the 26th as I’m told I need to make a payment now whereas I’m telling them I don’t have money now as our overtime will only be paid next month with this month overtime therefore they will receive their monies and the account will be up to date.

But the consultant dealing with my account Shamir is just very rude and doesn’t want to listen to reason. Now to make matters worse the lady from Bank Internation collection who called says I must handover my car to them in Rooderpoort till I make a payment next month. Is that even legal? As according to my understanding “In the first instance, a court order must be obtained ordering you to allow the vehicle financier to take the vehicle. If there is no court order, however, they cannot force you to give your car back” so now with this I’m a bit confused as I’m telling her Nedbank will get the December and January installment together with February installment on the 26th .

I do know that I’m behind on my vehicle finance and I am willing to pay you next month to bring the account up to date but for you(Nedbank) to tell me that they cant do that it’s a bit unfair don’t you think?