Active since Nov 2017
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I really don’t understand how this works. If you look at FNB’s website and what they are offering >>> #realhelp + loan schemes for businesses + zero increase + payment breaks, all these things yet they do not extend new credit to business that is showing positive cashflow in these hard times. Isn’t that just the business you want to be lending to? Here is what they said after they used the age old “your credit score is not good enough”. Luckily, we live in a world with access to data and it was easy to show them this terrible credit score they were referring to was referred to by guys like Experian and Transunion as Excellent-Stable-Low Risk. “Thank you for your email. We are facing an unprecedented time that has major social and financial implications for society, business and families alike. We are unfortunately not offering any new loans or credit at this stage of COVID-19 as we are unsure what the impact will be on all business. We are happy to relook at your application once the COVID-19 situation has settled.”
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Just terrible service. They send out marketing material that they will be able to help you and assign business bankers to you all just to make you think you are important and give them a reason to charge more for a service that doesn't exist. I applied for a loan (this should be business for them) something every business owner should crave for. After more than 20 touchpoitns and emails they havnt even appointed me someone to handle my application. Yet they are voted SA best business bank... I wonder by whom.... The process started back on the Feb28 talking to Gloria who wanted to help and connect me to a so called business banker. Emails like these just go unanswered. Mar 3, >>Good Day MNR JACOBUS L VAN VUUREN Hope this email finds you well. Please note I have sent an email to your current business manager NADINE GEYSER to assess the application further. She will be in contact with you. No she did not contact me. On March 18th - I do apologies for the delay in response. Please note I have sent an email to Mothemane *****gwa who is the Business Manager at Iren Branch to assist. I have ask for a Meeting request, that she contact you, and advise on all necessary documents required for Judgemental credit. Guess what she did not.... Mar 31, >> Good Morning Gift Hope this email finds you well. Please note I have CC the client on this email. I has sent an email to a Business Manager close to the area the client is situated at, and below email is from the client stating they have not been contacted. Kind assist, as client is no happy with what has transpired to date. I am not going to get my hopes up ...
I don't even know why I tried again. After my first application failure due to the FNB mistakes you can see the review here. https://www.hellopeter.com/first-national-bank/reviews/new-credit-card-approval- ********** I tried again this month. I almost thought I made it but yet again it was a mistake. I want to be able to earn ebuck and applied for a credit card but was told I cannot earn ebucks just with a credit card so I applied for a premium account package. After receiving the debit card yesterday I received an email today notifying me the credit card was declined due to affordability. Even though I save about 70% of my salary with proof and have an excellent credit record according to Transunion, Experian and XDS. After a phone call and being transferred 3 times and been on hold, for 32minutes I could not even cancel the card they already sent to me. Totally ridiculous. Why sell me a package and then only deliver 50%. It's amazing to see that a company that is built on working with their customer on a personal manner and manages their money can be so institutionalised that a customer is productised to a number and is passed between service centres of the same company although is sounds like they were working for different companies in different countries. I have never struggled so much to get a service that I am will willingly pay for this much and waste precious time in doing so. They advertise easy banking and being SA's best I say !@#$W$%
It was a absolute shocking experience. I applied for a credit card to get access to eBucks 4 weeks agoat a branch. After supplying the proof of income and other documents at the branch I had tl phone in just to discover they dont have all my documents apparently. This process repeated itself twice until I had to phone in again to run the process through with the consultant. Its like they dont want business. A week passed and nothing happened. I had to phone again just to find out I was declined and never informed without reason and feedback. I was transfered and was asked a few questions just to realize they were repeating the application process again and I had to submit the docs again. At that point I was about to blow. I ended the conversation. I then phoned again to find out why I was declined just to find out apparently I have a affordability problem. After asking them to check my payslip again, the consultant confirmed they made a mistake. Its been 2 days again and nothing. I really dont know what to do. It's like they dont want business!
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