Disappointed and the inefficiency

I am so disapointed by Standard bank's failure to be transparent , customer service and poor communication.

The credit life insurance policy did not pay 100% of my credit. When i contacted STD bank to try and make arrangements for the other bal on my cretdit card and loan. I was told that my profile is still with the insurer.I called the insurer the insurer,was advised i send again another application as they pay 6 months, i sent it in 25 Nov 2021.I never received a responce.

Long story cut short, i received a call from STD bank for my credit card 2022 i made an arrangement to pay. I went to the branch to also make an arrangement to pay the loan ,was sent from pillar to post . Received an email in september that my account for personal loan was handed over to debt collectors . Called standard bank an asked how could this be as i have been trying to contact them to make an arrangement as was just never assisted .I ended up making the arrangement with the person i spoke to at standard bank . I made the payments. Now i get another email yesterday i have been handed over to some debt collectors again .

Ok called standard bank today and was informed that i need to tell the debt collectors that i already made an arrangment with STD bank. I also called the insurer regarding the second application made was told that they paid the 12 months on the first claim.

This could all have been avoided and if i was assisted in 2021 when i went to STD bank to enquire about making arrangements to pay my loan but i was being sent from pillar to post ,no one could assist me ,also the insurance never responded to advise me of this. Now my debt is sold to debt collectors who will charge me for everything. Standard bank really disapointed me really. Even the overdraft that was paid fully i had to request a settlement letter from statndard bank as they did not close the account immidiatelly and intrest was accumulating. The inefficiecy i experienced with STD bank is really saddening for a big financial institute

I even had to fight battles in order to receive funeral claim benefits i made in 2021 with them.