Hi
i had a cheque account with FNB, and from June 2012 i changed my bank to capitec and my fnb accumulated intrests (montly bank charges), fnb sent me a letter stating that i must pay the amount i was owing within 14 days or else legal action will be taken against me and they blacklisted me, i read somewhere on the internet that the only way to clear a default on itc is by checking firstly if you ever received any notification in writing from the creditor, informing you of the intention to list your default payment on the credit bureau (which i did)
Secondly, is if you ever receive 20 days' notification in writing of the impending listing of your account on the credit bureau? (which i didnt)
i want to know if i can challenge the default?
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