I was harassed by debt collectors for payment of a Nedbank overdraft debt after pleading prescription they closed their files and handed the matter back to Nedbank. At no time during my communications with the debt collecting agencies was I informed that judgment had been taken by me.

I had moved residence so was unaware that a summons had been served.

After taking the matter over from the debt collection attorney Nedbank claimed to have a judgment against me granted in 2010 when I asked for the Court Order they sent a copy of the Request for Default Judgment stamped by the Clerk of the Court as proof. The Magistrates Court Act does not allow for Default Judgments to be granted in cases of debt falling under the NCA by clerks of the court, only a Magistrate has that authority.

I am now receiving 'copy & paste' threatening SMS's from NDCRS which vary from they will report me credit bureaus, please settle soonest, or that I may receive a visit from the Sherriff to serve papers etc.

How can I verify that Nedbank did, in fact, obtain a Judgement against me?