Active since Jan 2017
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24 reviews2 months ago
POTENTIAL VIOLATION OF COMPETITION ACT & CPA – RESELLERS BEWARE
I am writing this as a public warning to all IT Resellers in South Africa. Do not open an account with Esquire. Their current business model appears to operate in direct contravention of standard wholesale practices and raises serious red flags regarding the Competition Act No. 89 of 1998 and the Consumer Protection Act (CPA) No. 68 of 2008. The Issue: Esquire markets itself as a "Trade-Only Distributor," inducing businesses to sign up under the pretense of wholesale pricing. However, their pricing structure is identical to direct-to-consumer retail stores. Example: ASUS X1504VA Laptop. Retail Market Price: R6999 (Makro/Incredible Connection). Esquire "Wholesale" Price: R6999. Legal Concerns for Resellers: Margin Squeeze (Competition Act): By selling to resellers at the same price available to the public, Esquire is engaging in what can be described as a "margin squeeze" (an exclusionary act). This prevents downstream resellers from trading effectively, as it is mathematically impossible to add a margin and compete. Misleading Representations (CPA Section 41): It is a deceptive practice to represent oneself as a "Wholesale Distributor" to lure business clients when you are effectively operating as a retailer. We were assured strict trade-only access, yet the pricing offers zero trade benefit. Unconscionable Conduct (CPA Section 40): Knowingly signing up resellers and encouraging them to "update feeds" for stock that is priced at full retail value—wasting our time and resources—borders on unconscionable commercial conduct. Conclusion: We have suspended all orders. If you are a legitimate business, do not expose yourself to this. You will find yourself unable to compete and legally squeezed out of the market. Report these practices to the Competition Commission if you have had a similar experience.
0 replies
13 months ago
Termination of relationship
Good day, FNB I believe I have been sent a Termination of Relationship and I can't understand how the bank has come to this decision? Many years ago back in 2016 - A customer made payment to me in my personal FNB account for an item, however she had called her bank or FNB and mentioned she never received her items. My account was frozen with immediate effect at the time and i worked diligently with investigators at the time providing waybills etc of my delivery and then... There was no contact from anyone. To continue my business I've had to seek banking at another institution. I called in 2 years ago to resolve it again, and again today. However, this time i was told that the relationship with me has been terminated wholly. And I can't understand why, because at the time i was a young man with no information on how to resolve these type of matters - I knew the lady received her items, the waybill was provided as delivered and I just had to move on with my life. Now I run a Large IT Company - one of the top 10 in SA - And I would like to resolve this matter. I believe its unfair to be denied banking at a financial institution when i have a clean track record at all other banks in SA. I also feel, as a individual who has grown, I am now capable of resolving this matter. I would like someone from FNB to give me a call and maybe relook at this situation because I have received hundreds of thousands into that account and there was only one complaint - for one order - and you guys froze my account - and terminated the relationship, this is a little harsh and really uncalled for. If there was an issue, it can be resolved as FNB is also here to advise me, but no one has advised me what to do or how to resolve this, I would like a call please regarding this matter. My contact number is 061 708 9376
53 replies
16 months ago
******* *****er Service!
If you're looking for a reason to buy or not to buy! Just do not use prepaid24, Purchased electricity token at a time of adversity and now they decide to send me a response that there is no token received, they are investigating and will get back to me the next day. They do not make alternative means for you, no matter how urgent you needed the electricity, I was so silly to use their service, I then asked for a refund instead, they response is their waiting for accounts team to return 1 week later. This is the kinda service you expect to receive. So just do yourself a favour and dont use these fools, This is the thanks you get for investing in their brand. Even if you have your last R200 to buy power, dont put your faith in these bunch of ****ers.
56 replies
30 months ago
Banking association, Calls to suspend capitec - SA's worst bank
Once again, i ask the banking association to please shut this bank down. Voted SA's worst bank. You cannot upgrade your infrastructure and you have itchy fingers, that is why the app is down today. We work hard for our money and advise all south Africans to please turn away from this bank. Please value yourself and rather pay another bank per month. This bank takes you for a proper ****. Heres how they **** you in a way you have never been ****ed before. 1) App down - Please use cellphone banking 2) Cellphone banking - You need to have airtime 3) Cannot buy Airtime - Cellphone Banking wants airtime. App insists on using cellphone banking And lastly how they **** you so you cant walk straight, like a 16 year old teen walking back after a ****. You cannot even use internet banking because you scan the QR code and still, the app will tell you to please use cellphone banking. Morel of the story. You got ****ed, inside and out. Now has forgotten about you and whether you are in an emergency. No care whatsoever from capitec. Call centers wont even manually assist you or approve your internet banking login. This is a bank that is full off ****. And i need everyone to please turn away from this bank. If this bank loses 100 000 customers, they will feel the crunch. I cant explain to everyone how this bank ****ed me around everytime. The banking association of SA must shut this bank down. It has long failed the standards of a reliable banking institution. The license should be revoked and peoples hard earned tender, returned to them so they can experience a stress free bank going forward, Yall are ***ards. cannot even access my own money. Let this be a lesson to everyone, the power one bank has will scare you the moment you're unable to access your money.
261 replies
31 months ago
Cost cutting Pu*s Bank!!
After many years, a long standing client was finally F**d around with. I have two questions for capitec. 1. How long have i been with you? 2. Are you aware how much money has been in and out this account in its lifetime. Yall are F**king around with peoples hard earned money. Capitec is one of the most cost cutting- ridiculous banks the Continent of Africa has seen. Voted as SA's worst bank by many, i still ask myself how they are able to operate like this under the directives of the South African Banking Association. I'd like to remind Capitec, that to be a bank in SA, you are legally OBLIGATED to follow industry standards, but you are far from it. Your ATM's use chinese software and parts. Your app developers cannot create a stable banking app. This started when i attempted to do a cash send of R150 to myself for a simple haircut. The atm now says no notes available (Nothing new with capitec) , actually prayed as i entered in my 4 digit pin that this atm has money available. It then displays - Correct notes not available. This is such a p*ss bank that you cannot even cancel the cash send, THAT YOU MADE! Since when am i not in full control of my account and my funds? I f**kn pay yall to see to the administration of the account. Now this is where capitec will take you for a first class c*nt Desperate for your own money, you fork out another R200 cash send as the machine likely had 2x R100 notes available. This worked. Please think of the inconvenience you are putting me through by not being able to cancel a cash send. I must now withdraw this initial R150 on another day at another ATM. Capitec does not even have enough atms around! Tymebank has more kiosks than capitec. Thats such a shame because tymebank use a portal machine. You have stuff built in, permantly, and you still cannot get your ATMs right? That is a disgrace for a bank in SA. I then go to withdraw this, 20km out of my town because thats the nearest ATM (Westville Mall) That is accessible to the public after hours. Why does capitec place ATMS in malls? Are you sick in yalls head? Who can go and withdraw their money at 10pm? NOBODY! Malls are closed, security want to be c*nts. while withdrawing this money (1 day later and 20km) the atm makes sounds that its counting money, and then the flap opens and immediately shuts closed, then displays out of service. Then comes back on 2 minutes later. No money and voucher shows as redeemed. Fortunately, i understand capitecs useless systems because i am a I.T Engineer. And as far as im concerned, technically, once that flap opened and the money was counted in the ATM, Capitec receives the message as a successful withdrawal. Anyone in I.T will know this. I then call your client care and the lady tells me she can log a dispute and this will take 10-24 hours?? Are you F*CKIN joking? This is peoples hard earned money and people legally need this for tender! You have now: 1. Costed me R24.67 in calls to client care 2. R200 in Diesel to travel to 3 other places to attempt to withdraw 3. Made me frustrated. At this stage, it exceeds the R150 cash send im attempting to get, i was better off giving it to charity. On top of this i need to wait 24 hours? Just who the f*ck do you think you are? This is my money and my account! Not yours I beg of every exisiting capitec client and new, steer clear of this garbage of a bank. You will be in far more inconvenience than you could imagine. With ****py ATM's and Software running it, paired with their p*uss APP! Its all down to cost cutting for this bank. How about this for a f**king idea. Stop giving people loans and issuing credit cards for 1 month, and fu*king this country up in debt. Rather use that money and improve your systems, Its a goddam shame that you call yourselves a bank. You should , including all your staff, hang your heads in shame. The recent total blackout of the capitec banking channels was enough to tell south africa to leave!!!!! Everyone still remembers how they were locked out of their monies. You shouldve closed up shop right then and there! Please do not use this bank any further, the risk is not worth it, their dispute is not a guarantee that your funds will return to your account. No one deserves insecurity when it comes to your hard earned money. This bank has no consideration or good graces for accounts that have been with them for years and never logged such a dispute. What is it to capitec, that out of a goodwill gesture after all the hundreds of thousands that entered this account, what is R150 to you, to return to my account immediately? Because of this inconsideration towards my money, the principal of handling someone else's interests, the inconvenience caused by driving up and down, and then once you do find a "decent looking atm" it doesnt give your money. Capitec is playing with fire and this matter is very serious. Someone couldve needed this money so badly for something. You of all banks, should understand this as your market, caters majority for the Lower- Middle earners who find satisfaction in your pricing. But im here to tell everyone that this pricing is not worth the inconvenience you may one day receive, the no guarantees, and the lack of not being afraid to show appreciation to a customer after a situation like this. After my account has sent and received, hundreds of thousands in the last few months, after being with you for many many years, are you honestly giving me *** for returning R150 back to my account? Dont make your internal disputes, a customers problem. And this was a first party service (Their ATM , not checkers money market , boxer etc) For giving me ***, i will hurt you in the place you hate, i will close my account once this dispute is completed, I will take all my business funds, and personal funds and place them in a different bank starting first thing in the morning. Its about principal for me, but you have Fu*ked me around, and now i will go. What difference will one customer make if they are lost? Dear capitec, this will hurt you, because i bring in alot of revenue from my business and transact with the account for business and personal use, i assure you, every customer lost, is a just a tiny hole in your fence.... Once you have enough holes in your 1000 acre fence, the fence will crumble down. Keep it going.... You are doing extremely well for yourselves. I admire capitec for rubbing their faces in SH*T and still show themeselves to the public. Dont F*ck this country up, Just please.... Shut it DOWN!!!! Please guys, do not be like me and think it will get better, it doesnt with this bank. SA's worst reviewed bank. People, we work hard for our money, lets pay another bank R50 or R100 per month, and get free everything for a set price. I promise you a few things if you change. 1. More atms are available in emergencies 2. Reliable Banking App 3. Reliable Internet Banking 4. Reliable Support Staff 5. Will be able to cancel Ewallets and Cash sends 6. Less fuel needed to go to a ATM 7. No airtime expenditure Please leave with me!
131 replies
31 months ago
Excellent service & Friendly!
Excellent service from this company. The owner is friendly and there's 1 on 1 service, no lengthy holding on for consultants. My items arrived in 3 days. An excellent online store in my opinion
131 replies
58 months ago
Purchases my own phone because pineapple took too long.
I'm disgusted by pineapple insurance! I am now waiting an entire week, for my claim to be processed and to be issued something they call a claim card. Currently no arrangements for delivery of this card was made in representation to me. I have not received any sms, or phone call from anyone regarding my claims card. I am utterly disgusted that pineapple will choose "their own providers" although I have paid a whopping R1300 in premium's for a cellphone, they still choose to do things their way, and not in the best interest of the customer, now leaving me in a worse financial position than I initially was in. As a result of pineapple not coming to the party in terms of a phone call to reassure me the status and progress of my claim, there is no contact number for this company and you are simply not allowed to call them, nor are they allowed to call you unless it seems to be life or death. According to pineapple terms and conditions, there are 3 methods of payout. None of which mention, a takealot voucher, or a claims card. It says the cash is paid out to you in point number 3. But they are not effective in being clear, transparent and direct about the payout. As a result of being cellphone-less for a week, losing contact with friends & family as well as a loss of income to business, I have decided to act in my best interest, as pineapple could not do this for their client. They have by far exceeded a week of processing a claim and I am not interested in waiting a day further as the weekend is approaching and I will be left without a cellphone or proper communication from pineapple for yet possibly another week. In my best interest, I have set out to my nearby cellphone shop, and have purchased a replacement device from my personal money and bank card, which I secured a loan with my bank to purchase my cellphone with immediate effect. I do understand the interest of such loan falls upon me, and I do not have a problem with that, as the amount of income I've lost due to pineapples lack of communication and effort would cost me a substantial amount of loss In income. I have purchased the cellphone for an amount of R23 000 and I have all the required invoices / proof of my purchase this morning. I hereby request pineapple to do what is right and do not send me a claims card that will restrict me use of the card at retailers, as the claims card will serve me no purpose anymore as I've purchased my new device. The amount due to me should be paid out to the account holders bank account, as listed with pineapple where they debit their ridiculous high premium. Should pineapple management feel this cannot be done, please provide it to me in writing to my email address by no later than today, so that I may take it up with my Attorney and have him liase with the Ombudsman, kindly note, any fees arising from my attorney or ombudsman will be on pineapples liability and I shall sue/claim back these fees as well as the amount due to me. Ill say it again, this claim card is now of no use to me, and it cannot help me in my life anymore. My cellphone has already been purchased for my best interest and for my income to remain flowing and as a result no longer require a claims card, especially a card which I cannot use at retailers of my phone., And especially a card that does not allow cellphone purchases from stores. Kindly call me on 067 962 5846 to discuss a way further.
106 replies
58 months ago
Lack of response from pineapple
Hello, I'm typing this in deep sadness. For those wanting to join pineapple. Please remember. They do not phone you, nor can you phone them. There is simply no number available. I've recently claimed for my cellphone on the 13th and sent through all my documents, since pineapple only works via text and nothing else. It's been a real mission sending through all required information. However, all information has been sent. The lady handling the claim on the pineapple app, is called Kaashifa, I am not sure if that is a real name or a alias. She messaged me this morning on the pineapple app, (15th Jul) and tells me "Thank for your documents I see it" And then another message saying " We cannot validate your claim without receiving all the required information, Please sent it" . I am so shocked at this message because now it's been 2 Days without a cellphone. And she's saying that I must still send the stuff through. Waiting for a response from pineapple is sincerely very difficult and impossible to connect with them directly. They message you, if they want to, otherwise, you are left on the chat to be waiting for hours on end. If any members of the public would like the copy of the chat, to know how I have battled to seek assistance in this claim. I will gladly provide it to you. If any members of pineapple wishes to make my experience more pleasant, please call me on 067 962 5846 or alternatively please check my policy with my ID number (9309045068083) and kindly provide me feedback via pineapples app. This is certainly wrong of pineapple insurance to not allow any calls in or out. Their messaging service is not effective and reliable, thus leave clients like me in the lurch without any suitable or satisfactory information regarding my claim Should pineapple respond to me and give me assistance with my claim, I shall remove this post, and post a suitable 5 star review. Until I'm assisted this review will remain here
106 replies
68 months ago
Discovery Cellphone Claim Time
Hi all. I have misplaced my device on the 7th of September. I have lodged the claim early that morning after the incident. I was told it would take two days to have it replaced. I then asked for the cash, as there is a Vodacom outlet opposite me and I can get up and running soon. This was on the 8th. As I'm self employed and I am unable to fulfill my orders without a working device, clients cannot get hold of me, and I cannot even process these guys a refund without a device. Which is why I've asked for me to be sorted immediately. I'm not sure what's discoverys time frame in a claim. But today is the 9th. I'm still waiting on confirmation of reimbur*****t so I can purchase my device. My claims handler was very friendly and polite Nd she may have forgotten about me, I know that they may be busy, so I'd just wait for their call. I cannot wait another 3 days for delivery for a new device. I shall post an outcome once received. Discovery please handle my claim as soon as possible. Would sincerely appreciate the gesture. As I've had police knocking at my door with clients asking for a refund. Clients think I've gone "AWOL" additionally I've got no email from discovery about any progress. From time of claim till now. Not sure if this is standard procedure
106 replies
76 months ago
NO ASSISTS OFFERED IN BREAKDOWN 1 month still waiting
My name is Nicholas Sankar and my ID number to find my policy is 9309045068083 I am absolutely disgusted with the service from auto and general, and i have just taken cover with you guys, and its my first month. Recently ive requested for a flat battery service via the app. Another notification came up saying someone is assigned and i will receive a call, Just for your information i am still waiting for that call for the last 25 days now. If you cannot sort this issue out, please cancel my policy and return 75% of my funds back to my account, the same place you were quick to debit out off and a double debit as well, for a month in advanced, i must make accommodations in my pocket for an insurance company that sends absolutely no help to their clients. I want this taken up formally with management, i am paying for the benefits of this. IF YOU CANNOT KEEP UP, PLEASE REMOVE MY COVER AND I WILL INSURE WITH SOMEONE ELSE. Had i been dead. i wouldve still been laying at that very spot till now, one thing is for sure i really cannot rely on you when i have a breakdown, why am i paying for comprehensive premiums when i am receiving absolute dirt for service. Is this how you show your clients you care and please do let me know if you want this on social media, i will additionally put this up on hello peter! i feel i was overcharged for the ****py service ive received, i still have screenshots which im happy to forward to show you just how many days it continued to say a driver is been assigned. Its now almost a month. I hope to hear whats the excuse and how you plan to rectify this issue!!!!!!!
56 replies
Review Distribution
5 Star
4 (16.666666666666668%)
4 Star
0 (0%)
3 Star
0 (0%)
2 Star
1 (4.166666666666667%)
1 Star
19 (79.16666666666667%)