This site documents how I believe Standard Bank created a debt out of thin air and then sold it in contravention of the NCA. If my speculation is true, it displays corporaste hubris and arrogance, along with a disdain for the man in the street and (potential) clients.
This site records how I discovered what appears to be a manufactured debt. A "debt" that was then sold on, possibly fraudulently, but certainly in contravention of the then NCA.
The purpose of this draft is to help organise facts, correspondence, and evidence.
Timeline
Example entry: I became aware of the disputed balance, entry, or collection activity.
Example entry: I requested clarification, statements, or source documentation.
Example entry: I received a response that did not fully address the supporting evidence requested.
Example entry: I collected additional records, screenshots, or correspondence relevant to the dispute.