The only thing Venita Cloete of Cape Town knows for sure about a debt that plagued her for years is that she had a Standard Bank account "many moons ago".The bank never contacted her to settle any debt, she says, but in 2002 her details were included in a batch of written-off debt sold by the bank to debt collecting firm MBD Legal Collections.Years later, in 2011, a firm of attorneys sent an emoluments attachment order (commonly referred to as a garnishee) to Cloete's employer and HR began deducting payments from her salary every month."I asked an HR assistant to ask the attorneys for proof that I owed this money as well as the court documents, but that never happened."Then the deductions stopped and she thought that was the end of it.It wasn't.In 2013, she started getting SMSes from MBD demanding payment."I have repeatedly asked them to e-mail me documents to back up the claim but they won't send me anything ."Finally, she contacted me for help. I took up her case with Roelof van ...

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