Standard Bank Home Loans *****ing up my Credit Record for a mistake they made!

Here is a mail from me sent to Standard Bank Collections and their Attorneys and Standard Bank home loans on the 27th of November 2018:

Lesedi

Any news on this? Standard Bank gave my arrears through to the Credit Bureau and this is now negatively impacting my report. This is the only thing currently on my Credit Report, why will I not service this? This mistake comes from Standard Bank. I expect them to write back this arrears as their Debt Review Centre made the mistake in the first place meaning that I would have been never in arrears had they correct the term to its original state after coming out of debt review. This house is for sale as I moved to a new job and town and I need to buy another house next year and Standard Bank is making this now impossible for me to do. The last payment made of R8000-00 is towards my instalment and NOT an arrears payment, as I don’t owe any arrears. Please go check the history on this account…never in the lifetime of this account was it ever in arrears. I always pay my house first!

So that's the mail sent to them.......I haven't heard from Standard Bank or any of them and is still waiting. In the meantime my credit score is plummeting month after month, went down by 42 points this month only after is was almost up there!

Ok...so what happend...

Came out debt review in May 2018 settling all my debt accept for the home loan. Started to make manual payments on the house each month for R7500-00, old installment was about R7200 so I reckoned I will be ok paying the R7500-00 right? Then 5 months later Standard Bank phoned me telling me that I'm suddenly in arrears with R28 000-00??? How did this happen if I'm payment my installment every month? After several phone calls and upon receipt of a statement that I requested I saw that my payment term is set at 10 years therefor making the installment double the amount, hence the arrears. Well after several more phone calls I found out the Standard Bank Debt review center never corrected the term back to its normal state after exiting debt review taking it back to a 20 year term. Now they have restructured the term to 30 years, so I am paying more now than is expected which is fine right? Wrong! Standard Bank still holds me liable for the arrears and have handed me over to collections and their attorneys, totally *****ing my credit record which was building so well since I exited debt review as the home loan is the only thing on my report currently.

Your mistake Standard Ban**** Fix it!!! Why should I be negatively impacted for this!!!!! You should have corrected this week ago and remove all the arrears from my credit reports!

So you decide if you want to deal with Standard Bank or not?

Thank you Standard Bank for postponing my next home buy by probably about two years!!!