TymeBank is a good bank but they a fast on handing over our personal agreements to debt collectors without checking with us first and they fail to extend to period of missed payments, like on my case the payment was on the 01/01/2026 which I missed due to

TymeBank is a good bank but they a fast on handing over our personal agreements to debt collectors without checking with us first and they fail to extend to period of missed payments, like on my case the payment was on the 01/01/2026 which I missed due to that I received salary on the 02/01/2026. When I received their sms telling me that they will try to debit again 0n the 10/01/2026, I relaxed waiting for them to debit but only to find out my case was transferred to debt collectors which effected my credit store by 1 point😭😭why