EXPLOITED BY SANLAM TO PAY MORE ON A LOAN THAN I SHOULD

I took a loan from Sanlam in 2018 and was due to pay my last instalment in December 2023 and did not default on my payments AT ALL for 4 years and 6 months until they made a mistake. Sanlam’s debit order system had a problem in June 2023 and they did not debit my account for the right amount. They debited my account with the amount of R564.55 and not R5430.06 as per my statement. I contacted Sanlam/RCS call centre and they told me there was a problem with their system and they would reinstate my debit order and split the missed payment up over the remainder of the payment period. This was not done at the end of June so I assumed it would be done at the end of July. At the end of July my account was handed over to MBD attorneys and I had to pay interest and attorney Fees when I had not made the mistake. To avoid the fees I paid MBD attorneys but called Sanlam/RCS again to let them know it was not my fault and that I should not have to pay the fees and interest. Sanlam then advised me that I would just need to pay the attorneys the money and that my loan would still be paid off at the same time but with the increased instalment which now included the one month Instalment when they did not debit me. When I got my statement in January, it still showed that I was owing Sanlam and MBD attorneys another 3 instalments which was not correct. I contacted the attorneys’ offices but they could not help me to resolves this. I then contacted Sanlam/RCS and was eventually told they would take the account back from the Attorneys and remove the interest on arrears because my account should not have been handed since it was their mistake. This is on a voice recorded message which Sanlam should have. I asked for a consolidated statement showing all my payments since 2018 but they sent me only Individual statements from the start of the Loan and I cannot see what the attorney’s fees and interest fees are. I would like the loan account to be taken back from the attorneys and all interest and fees reversed so that I can pay my final instalment and close this account once and for all.