Poor service and Harrasment

Nedbank personal loan is harassing, by not wanting to close a credit which was acquired in 2019, then in 2020 came COVID-19. I had to remind them that the insurance was supposed to pay the monthly fees, as it was during a disaster, and I stayed at home without a salary. In 2021, my company got liquidated, and I lost my work, they requetsted proof, and after the insurance paid only for 12 months. And the credit was never serviced, and there were no arrangements made by me. To date, instead of putting the credit under prescription, they are still requesting payments. And that affects my credit score badly.

And when I app**** for a loan, I was not told I have a choice to bring my own insurer if I do have one. After doing my fact findings, I asked them why didnt they didn't tell me. The answer was "you did not ask." How can I ask about something I don't know about?

I dont advice anyone to take a loan with them, if they need peace.