UNFAIR LISTING TO THE CREDIT BUREAU AND LISTING LAST FOR MORE THAN 2 YEARS (DESPITE THE FAILURE TO ADVISE DEBTOR BY CREDITOR IN WRITING AND ENLISTING A DISPUTED CLAIM)

I had an existing contract for a data sim card with Vodacom/Vodafone promotion for R299 which was a 2 years contract. The contract expired by effluxion of time between March 2021.

However somehow the contract was upgraded *****ulently around January 2021, on enquiry i was told to send an email at Vodacom's ***** department to investigate and lay ******** charges as I never upgraded which i did and despite sending the email on the 02 of March 2021 it was only acknowdged on the 02 July 2021.

On the 28 of April 2022 I started to receive calls from MBD claiming that my account with Vodacom its in arrears which i denied, as a result on the 25 August 2022 i made a follow-up to my claim and i was advised to send an affidavit confirming my account of event. I attended to depose to an affidavit on the 31st of August 2022 which i sent on even date and to this date no outcome whatsover of their investigation.

However despite several correspondence with regard hereto and the fact that i notified Vodacom and their debt collector of the *****, the failed to investigate or lay ******** charges against the ***** which i learned from my banker as i app**** for a loan. I was advised that my credit bureau profile indicates the defaulted payment and now affect my outcome or rather loan application as i am now required to pay the amount before the loan can be processed despite me qualifying.

I was never advised in writing that the creditor intends to report the debt or default payment to the credit bureau but disregarding that i had long disputed the debt as my contract had expired and i never renewed it, the contract was closed immediately a month after and the only thing i was advised that the creditor will be issuing summons by their debt collector from MBD. it is ******** and unprocedural for the debtor to send my information to the credit bureau for listing of a defaulted payment or payments even when i raised a genuine dispute.

In terms of the law a default payment listings remain visible on a person’s credit bureau profile for a period of one year from listing date and after said time has elapsed, the listing is automatically removed. thus, it does not make sense how a default for 2021 / 2022 remains to affect me.

There is no default judgement against me for the listing to remains indefinitely, even thought disputed. The creditor has failed to notify me accordingly prior to enlisting me to the credit bureau and its against the law for them to enlist when the dispute raised was genuine and they were informed accordingly and ought to have been investigated.

It is distasteful and ******** for the credit bureau to enlist my name in absence of compliance by the credit provider and proof of the existence of the debt. It doesnt make sense why on earth am i being forced to settle the debt because i now require a financial aid from the commercial banks. This system is tailor made to short cut legal proceedings of dispute debt as now i am being exploited and unjustly told by the bank to pay for a disputed debt which was made *******ly against my name through the negligence of Vodacom employee and most possibly the ***** of their staff as its the case most of the time in renewing a contract in my absence and continued to debit me after the contract was cancelled and number allocated to someone else.