Active since Nov 2018
I have a rent to own vehicle contract with Carzone Bloemfontein. However have received very poor treatment from Mr Ian Schonborn yesterday. I pay my installment monthly on the 1st of the month, however I swithched bank accounts and with the switch over I entered the Carzone bank details in and switched two digits around in error. Mr Ian Schonborn contacted me yesterday asking for the payment to which I responded that it was paid on 1st January which at the time I was unaware of the incorrect account number. I forwarded him the proof of payment to which he accused me of false proof of payment and said he will contact the police. I told him that it is not fake and then he told me the account number is incorrect and it went to the wrong account. I told him that I am sorry for the mistake and will contact the bank at 09:00 when they open and see to retrieve the payment and pay it over to the correct account. Since that message I have had threats, insults and he went as far as to instruct the vehicle to be collected. I paid the installment over to him before 9:30 and he sent me an email saying I can go ask FNB for my money back as he is cancelling contract. His lawyer was then in contact with me and I explained the situation and that it has been rectified. He said he is then cancelling the collection of the vehicle. Yesterday afternoon however Mr Ian Schonborn then disabled the vehicle via Tracker and we could not use the vehicle at all. All this after we had to instruct a mechanic to see why the vehicle would not start as we were not informed by the hirer that he disabled the vehicle through tracker. I contacted Mr Ian Schonborn to enquire again to receive horrible messages and threats in this regard. This was an innocent finger error with payment and not intentional default on payment. However was treated like scum and accused of committing document falsification to which was not even apologized after it became very obvious that it was in fact error and not intentional default. Never in my life has a stranger, that does not know me at all, insulted and spoken to in such a horrible manner.
I am very dissapointed in Miway Insurance. I accepted insurance cover from them on 15/11/2018 to be implemented only on 01/12/2018 with debit order date for 01/12/2018 for collection of first premium. On 19/11/2018 I phoned to cancel policy as we have decided to insure elsewhere. I finally got confirmation on cancellation on 22/11/2018 in writing that the insurance policy was not taken up. On 23/11/2018 an unauthorized debit order for their premium amount went off my bank account. I went to the bank to have it reversed where I was told they cannot reverse it as they cannot locate the debit order although the debit order transaction appears on my statement. They advised me to contact Miway insurance which I did directly from Absa Bank. The representative told me that I must go to the bank to reverse it. I told the lady I am standing inside the bank where I was told they cannot reverse it and I should speak to Miway. She then said I must send my bank statement and request a refund but I must know that it will not happen soon as it takes time. Well, it did not take them much time to offer me a policy, neither did it take them much time to debit my account without my authorization on 23/11/2018 and it also did not take much time to assure me that they don't care much for the fact that I am upset about money being taken from me by them with no authorization to do so from me! Never in my life have I been so dissapointed with any other insurance company. I have in the meanwhile sent them an email with copy of my bank statement for my refund (which I will probably never see) requesting answers on who gave them permission to debit my account on the 23rd November after I have even cancelled my policy. The read receipt on my email came through and now hours later still absolutely no reply from Miway.
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