Sure, threaten me with court action, im sure funds will miraculously become available

If there was a negative rating, you will get that from me. I dont think that there is a more despicable financial institution. After I was retrenched almost a year ago, even after I made sure you were informed, gave you all the relevant documents, your still handed me over to a collections agency, for what is in essence a small amount of money (R10200), but money that I do not have, because, surprise surprise. I lost my job, I dont have any income. Now your collections agency has threatened me with court action. Yes, I am sure that if you get a court default against me, somehow that will make funds miraculously appear in my account to pay you off. I already promised and committed to pay you when i start earning any income again. Terrible, Despicable, ********* ****ers you lot are.