Handed over without proper procedures being followed

<p>I took out a lan with Standard Bank, payments we up to date and in order until my husband unfortunatley was retrenched from his position. When that happened I contacted Standard Bannk and advised them and they suggessted that I complete a customer care credit assist application to see if I can add the loan amount to my home loan to have 1 payment. I have not recived any feedback from them regarding the application, now I am suddently receiivng emails and calls from Strauss on line. When i contact Standard Bank regarding this they give me attitude and say that I should know that I owe them money & have not been paying so they do not have to advise me of being handed over? Really, I am sure that is not what the NCR act states. </p> <p> </p>