Misleading settlement offers

Good day,

I would like to ascertain your process of the discounts offered to settle my accounts which are with you.

I am amazed that, on 22 November 2018 I had a balance of R 1,950.17. I was offered a settlement of 30%. Now if we do the math CORRECTLY - R 1,950.17 less 30% = 1,365.20.

When I query this with your consultants I am informed that the fees and legal costs are not included in this amount and, that the system generates the discount amount. So on my statement, which I received today, I can clearly see charges for fees and interest and that the balance at 22 November was clearly R 2,076.50. Yet, your "settlement letter" dated 22 November 2018 requests me to pay an amount R 1,950.17. Clearly, here are hidden costs somewhere and it is even more clear that your so called discount is rather misleading.

So again, today I call and inform your Chantel Sives that I wish to settle this account on Thursday 13 December 2018. She informs me that the balance is now at R 2,400.00. I ask her how the amount increased from 22 November up until now (10 December) and she informs me that interest was charged to my account - she will send me a statement where I would see the accumulated interest.

On the statement, I can see accrued charges from 22 November 2018 - 10 December 2018 in the amount of R 29.20. Nowhere in the statement do I see a balance of R 2,400.00 as advised by your Chantal.

Now again, I am informing you that I wish to settle this account by no later than Thursday, 13 December 2018, in the amount of 1,473.99 (which is my current balance of R 2,105.70 less 30% - the discount Chantal informed me is available) Mind you, she also informed me that my call is recorded for legal reasons - so please do go back to my call which was at 09:12 and lasted for 06:42 (six minutes and forty two seconds).

Kindly email me for further information as I will not answer your calls.