Explain what happened, when and what resolution you seek. Contact the SACCO and ask for acknowledgement. Do not include a PIN or confidential account details.
If you think you may struggle to repay, speak to the SACCO early. Prepare your income, essential expenses and payment dates. Ask about possible options and their costs; any change to your agreement needs the SACCO’s approval.
Before visiting, explain your preferred language or any help you need with reading or reaching the office. Ask the SACCO what support is available. You may ask someone you trust to accompany you, while keeping your PIN and security codes private.