*********** service

I have a credit card with std bank which fell in arrears in June I spoke to one of the collections consultant who advised that they can restructure my arrears and then my instalment to be R3800 and after paying that in June my next installment will be due in July. Now I'm getting calls from them they use a Vodacom line and bcoz I have a true caller it detected it as SPAM . Upon realising that it's not I unblocked the nr . When they call you hold for over 7 seconds for the person on the other side to speak( call centre) before then I asked the lady to please call @ 8 in the morning. They called @ 7h45 and I was driving. Now they have decided to refer my acc to the external debt collection agency.