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I made a payment on my RCS account on the 17th of July 2020, in the amount of R20 000.00.

I got an SMS that my installment is due at the end of July. I ignored same, as I made a payment, which was obviously in excess of my installment.

I again received a SMS that I need to pay double my installment amount, as my account is in arrears, which according to my records is not possible as abnormal payment was made.

When I queries this with RCS their explanation was as follows:-

1. The R20 000.00 payment was made before the "billing cycle" and with be allocated to the previous month. (R20 000.00 is clearly not my installment and I was not in arrears) 2. According to them, this is in terms of their credit agreement as, and I quote "10.6 You may prepay any amount owee to us at any time, however making a repayment will reduce your outstanding balance and not entitle you to skip a payment."

The above does not make sense. I was not in arrears on my account. Payment in excess of the installment was made.