Standard Bank Handed over my account that was not in arrears.

I paid my VAF account on time on the 1st of February 2024. It took Standard Bank 21 days to allocate my payment which was made on time. Several calls and emails back and forth were made to get my payment allocated. In the meantime, Daly Credit Corporation, appointed by Standard Bank, has been harassing me non-stop this entire month for payment that has never been outstanding. Today I received another threatening letter from Daly Credit Corporation, informing me of how this will affect my credit score. I contacted Standard Bank and after a long discussion with several employees, I was told that my account is in arrears with R44, despite my payment of R8 500.00 on my R8 103.99 installment. It is abundantly clear that they are adding interest or cost to an account that should not have been in arrears in the first place!!!