I paid up my account on 13th November 2020 and got a confirmation email to that. On checking on Experian credit bureau I found out that the account is indeed closed, but January 2021 I got calls, text messages and emails that I must pay an outstanding amount of +-R600.00 and that I'm a month in arrears. I was never behind in paying my account and to find my name placed on Experian credit bureau gave me a heart attack. The bullying tactics was used in forcing me to pay by sending messages and calls during ungodly hours of the day. I decided to go and pay although I never got a satisfactory explanation as to why must I continue paying for an insurance, handling fees, vat and so on meanwhile I finished paying the account in November 2020. I paid at Bradlows Mitchell's plain @ Prominade and I asked the gentleman who was helping me to assured me that I've paid what the consultant indicated I must pay. The gentleman assured me that the amount reflected was +-R330.00 and he gave me the number to call to get a paid up letter. I did exactly that and a paid up letter was emailed to me. A week later on the 27th of February 2021 to be exact I received an SMS message that I must go and pay R389.00 and I want to know when is this going to end. My name is placed on Experian credit bureau as being on arrears. My request is that some consultants of your organization are using bullying tactics in forcing consumers to pay instead of first addressing the concerns raised. I was never in arrears in my account, paying R1446.00 instalment per month and I used to request statements as they were not sent at all, and on reconciling my account I found out payment of a previous month would not show meaning that your credit section is a month behind in reconciling a customer's account, e.g. my statement of January 2021 generated on the 7th of January 2021 would not reflect payment I made on the 15th of December 2020 which is a previous month. I arranged a debit order for the 15th of each month and not even once that the instalment was not honoured until now where I being blacklisted for something that is not of my own making. My name is L N Sicweby and I.D number is 6006010944081.