Urgent: Dispute of Incorrect Default Notice and Interest Charge

Subject: Urgent: Dispute of Incorrect Default Notice and Interest Charge

Dear Payflex Support,

I am writing to formally dispute a default notice and interest charge app**** to my account, which I believe has been app**** in error.

My payment was due on 28 July 2025, and I made the payment on 27 July 2025, one day early, to ensure timely settlement. However, on 29 July 2025, I received a message stating that I had defaulted on my payment. I immediately sent an email with the Proof of Payment attached, requesting that the matter be reviewed and rectified. Unfortunately, I received no response.

The following morning, I received another message stating that an interest charge of R95.00 had been added to my account. I sent a follow-up email again explaining the situation, but to date, I have not received any reply or acknowledgment from your team.

This issue is now negatively affecting my credit record, despite my effort to pay on time. I kindly request the following:

Immediate investigation and removal of the default record from your system and any credit bureau where it may have been reported.

Reversal of the R95.00 interest charge.

A formal written confirmation that the matter has been resolved and that my credit record will not be negatively impacted.

Please treat this matter as urgent. I expect a response within 3 working days before I consider escalating the issue to the Credit Ombud or the National Credit Regulator (NCR).