Client Review on Gem

Feedback:

I was sent a letter with my customer number and bank account to make payments to. I set this up in 2013 and made payments without a hitch. I always pay more than required and in advance. Suddenly they started hounding me to say I haven't paid. Apparently I'm depositing the payments into the "wrong" bank account number, yet half the payments are credited to my account, the other half not.I have called and spoken to them.numerous times about this, and EVERY time get an imbecile who can't comprehend that if 75% of the payments are credited, AND my letter has those bank account details stipulated, that the issue is theirs, not mine. Still fighting them to remove the Late Payment Fees, as the payments were all made on time.Furthermore, although their contract states that if you pay more than required each month, the additional funds will be credited to the HP that expires first, they instead placed my whole payment onto a newer HP, paying that off, leaving the older unpaid and them charging me 28.9% interest.Took three phone calls, where each person told me it was "impossible" to switch the funds to where they should have been credited to in the first place, and me telling them i'd be complaining to the Ombudsman and Commerce Commission, for them to MIRACULOUSLY rectify the situation in 2 minutes!! And even then, they made out they were doing me a favour!!