Planet42
2.9|1,729 reviews
MM
Mojalefa M
1 reviews | Active since Member
05 May 2026, 08:18
Unauthorise debit orders-Request for immediate refund of R2600 and debit orders cancellation
I wish to lodge a formal complaint regarding unauthorized debits from my bank account following the termination of my contract.
1. *Contract Settlement*: After Planet42 repossessed the vehicle, I paid the requested cancellation/settlement fee of R9,176. I received written confirmation from Ditlhage-George acknowledging receipt and confirming an outstanding arrears balance of R9,865.
2. *Partial Payment*: Planet42 subsequently debited R3,289 from my account, reducing the outstanding balance to R6,576. It was agreed that this balance would be settled over a three-month period.
3. *Unauthorized Transaction*: On [04May2026], Planet42 debited R9,716 from my account without my consent. This amount reflects my previous monthly installment and exceeds the actual balance owed of R6,576 by R2,600.
Accordingly, I request the following within 7 business days:
1. A refund of R2,600 to my bank account, being the amount debited in excess of my outstanding balance. 2. Written confirmation that my contract is fully terminated and my account reflects a zero balance. 3. Immediate cancellation of all debit order mandates linked to my bank account.
Debiting amounts beyond what is legally due constitutes an unauthorized transaction under the National Credit Act. Failure to resolve this matter within the specified period will result in escalation to the National Credit Regulator and the Ombudsman for Banking Services.
Helpful (0)
Replies (3)0
Replies (3)Planet42's replyOfficial
05 May 2026, 13:48Hi Mojalefa
Please be advised that we have escalated the matter.
Kindly be advised that one of our consultants will contact you regarding the matter raised.
We apologize for the inconvenience caused.
Regards
Your Planet42 Team
Please be advised that we have escalated the matter.
Kindly be advised that one of our consultants will contact you regarding the matter raised.
We apologize for the inconvenience caused.
Regards
Your Planet42 Team
Best regards,
Planet42's reply05 May 2026, 13:48
Official
Hi Mojalefa
Please be advised that we have escalated the matter.
Kindly be advised that one of our consultants will contact you regarding the matter raised.
We apologize for the inconvenience caused.
Regards
Your Planet42 Team
Please be advised that we have escalated the matter.
Kindly be advised that one of our consultants will contact you regarding the matter raised.
We apologize for the inconvenience caused.
Regards
Your Planet42 Team
Best regards,
MM
Mojalefa M's updateReviewer Update
07 May 2026, 09:16*Timeline of issues:*
1. *Unauthorized Debit*: On [4May2026], Planet42 debited R9,716 without authorization, exceeding my actual outstanding balance of R6,576 by R2,600.
2. *Proof of Account*: At your request, I submitted my proof of account/account confirmation on [5May2026]. Azraa responded that it was not received. I immediately re-sent the document on [6May2026]. To date, I have received *no acknowledgment or confirmation of receipt*.
3. *Continued Pressure to Pay*: Despite submitting the requested documentation, I received an SMS demanding payment of outstanding amounts. This is unacceptable while the dispute remains unresolved.
*My demands:*
1. Immediate refund of the overpaid amount of *R2,600* within 48 hours.
2. Written confirmation that my contract is terminated and my account balance is R0.00.
3. Immediate cessation of all collection activity and SMS payment reminders until this matter is resolved.
4. Written confirmation of receipt of my proof of account submission.
Planet42’s failure to acknowledge documentation and continued collection activity during an active dispute may constitute a breach of the National Credit Act.
1. *Unauthorized Debit*: On [4May2026], Planet42 debited R9,716 without authorization, exceeding my actual outstanding balance of R6,576 by R2,600.
2. *Proof of Account*: At your request, I submitted my proof of account/account confirmation on [5May2026]. Azraa responded that it was not received. I immediately re-sent the document on [6May2026]. To date, I have received *no acknowledgment or confirmation of receipt*.
3. *Continued Pressure to Pay*: Despite submitting the requested documentation, I received an SMS demanding payment of outstanding amounts. This is unacceptable while the dispute remains unresolved.
*My demands:*
1. Immediate refund of the overpaid amount of *R2,600* within 48 hours.
2. Written confirmation that my contract is terminated and my account balance is R0.00.
3. Immediate cessation of all collection activity and SMS payment reminders until this matter is resolved.
4. Written confirmation of receipt of my proof of account submission.
Planet42’s failure to acknowledge documentation and continued collection activity during an active dispute may constitute a breach of the National Credit Act.
MM
Mojalefa M's update07 May 2026, 09:16
Reviewer Update
*Timeline of issues:*
1. *Unauthorized Debit*: On [4May2026], Planet42 debited R9,716 without authorization, exceeding my actual outstanding balance of R6,576 by R2,600.
2. *Proof of Account*: At your request, I submitted my proof of account/account confirmation on [5May2026]. Azraa responded that it was not received. I immediately re-sent the document on [6May2026]. To date, I have received *no acknowledgment or confirmation of receipt*.
3. *Continued Pressure to Pay*: Despite submitting the requested documentation, I received an SMS demanding payment of outstanding amounts. This is unacceptable while the dispute remains unresolved.
*My demands:*
1. Immediate refund of the overpaid amount of *R2,600* within 48 hours.
2. Written confirmation that my contract is terminated and my account balance is R0.00.
3. Immediate cessation of all collection activity and SMS payment reminders until this matter is resolved.
4. Written confirmation of receipt of my proof of account submission.
Planet42’s failure to acknowledge documentation and continued collection activity during an active dispute may constitute a breach of the National Credit Act.
1. *Unauthorized Debit*: On [4May2026], Planet42 debited R9,716 without authorization, exceeding my actual outstanding balance of R6,576 by R2,600.
2. *Proof of Account*: At your request, I submitted my proof of account/account confirmation on [5May2026]. Azraa responded that it was not received. I immediately re-sent the document on [6May2026]. To date, I have received *no acknowledgment or confirmation of receipt*.
3. *Continued Pressure to Pay*: Despite submitting the requested documentation, I received an SMS demanding payment of outstanding amounts. This is unacceptable while the dispute remains unresolved.
*My demands:*
1. Immediate refund of the overpaid amount of *R2,600* within 48 hours.
2. Written confirmation that my contract is terminated and my account balance is R0.00.
3. Immediate cessation of all collection activity and SMS payment reminders until this matter is resolved.
4. Written confirmation of receipt of my proof of account submission.
Planet42’s failure to acknowledge documentation and continued collection activity during an active dispute may constitute a breach of the National Credit Act.
Planet42's replyOfficial
08 May 2026, 06:16Hi Mr. Mdluli
Thank you for taking our call.
Please be advised that we have sent an email to you addressing the matter.
We apologize for the inconvenience caused.
Regards
Your Planet42 Team
Thank you for taking our call.
Please be advised that we have sent an email to you addressing the matter.
We apologize for the inconvenience caused.
Regards
Your Planet42 Team
Best regards,
Planet42's reply08 May 2026, 06:16
Official
Hi Mr. Mdluli
Thank you for taking our call.
Please be advised that we have sent an email to you addressing the matter.
We apologize for the inconvenience caused.
Regards
Your Planet42 Team
Thank you for taking our call.
Please be advised that we have sent an email to you addressing the matter.
We apologize for the inconvenience caused.
Regards
Your Planet42 Team
Best regards,