Urgent Clarification and Complaint Regarding Nedbank Credit Card Account

To whom it may concern?

I would like to bring to your attention a serious concern regarding the handling of my account, specifically the communication that took place on 25/26 June 2025. Firstly, I request that you review the recorded conversation between myself and Zandile dated 25 or 26 June 2025.(If there was a recording done?) After a detailed discussion, I asked Zandile where I should make the R20,000 payment toward my Nedbank account. She advised me to pay the amount into my credit card account. I informed her that my credit card is no longer linked to my Nedbank profile. Despite this, she insisted that I use the credit card number ***25 0515 for the payment. A day later she provide me with the correct account details to use. After she send me a message that she did not yet get my proof of payment? The question is ? How do I make payment if I do not have the correct details - see below email. This highlights two major concerns:

1. It became evident that she was not fully knowledgeable or capable of handling the matter appropriately.

2. During our call, I explicitly informed her that I am currently unemployed and attached my retrenchment letter as proof of my financial situation. I also explained that the R20,000 I offered was all I could afford at the time. I made it clear that I would notify either her or VVM Attorneys once I was in a position to make further payments. Her response was simply: “It’s okay.” Just Pay the R20 000 now, then we can make other arrangements later.

However, this arrangement was never finalized, and this month I received an SMS from VVM stating the following: “Ms FW Francina, your payment of R20,000 on your Nedbank account is due on 26 July 2025. VVM Debt Collectors *** ***)

Who authorized this arrangement? It was certainly not me?

It has become increasingly clear that the personnel at VVM Attorneys are not adequately paying attention to the information I have communicated regarding my account. Despite my efforts to provide accurate details and supporting documentation, they have failed to update their records accordingly. This lack of attention and failure to maintain accurate records is causing unnecessary confusion and distraction