CO
Claude O
Active since May 2020
3
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3 reviews1 month ago
DSTV TAKES INSURANE AND REFUSES CLAIMS
FORMAL COMPLAINT – FAILURE TO HONOUR VALID INSURANCE CLAIM AND UNFAIR BUSINESS PRACTICE To whom it may concern, I am lodging a formal complaint against MultiChoice (DStv) regarding what I consider to be an unjustified repudiation of a valid insurance claim, coupled with materially unfair and potentially ******** conduct. Background Since approximately 2015, I have continuously paid insurance premiums via debit order to DStv for decoder cover. These payments have been made consistently and without interruption. Approximately three years ago, I was proactively contacted by DStv sales representatives and encouraged to upgrade to a DStv Explora decoder. Acting on your recommendation, I accepted the upgrade in good faith. At no point during this sales process was I advised—explicitly or implicitly—that my insurance policy required amendment to reflect a new serial number, nor was I guided through any such process. Current Issue Following a recent lightning strike, my Explora decoder was damaged. Upon lodging a claim, I was informed by your call centre agent that the claim would not be honoured because the insurance policy still reflects the serial number of the original (now obsolete) decoder. This position is both unreasonable and unacceptable for the following reasons: Continuous Acceptance of Premiums DStv has continued to debit insurance premiums monthly, without fail, for a period spanning nearly a decade—including the entire period after the upgrade. At no stage did DStv: Notify me of any mismatch in insured assets, Request an update of details, Suspend or question the validity of the policy. Duty of Care and Disclosure As the service provider and insurer (or intermediary), DStv had a clear duty to ensure that: Policy records accurately reflected the asset supp**** and installed by your own sales channel, Customers were properly informed of any obligations required to maintain valid cover. The upgrade was initiated by DStv, not by me independently. It is therefore entirely unreasonable to shift administrative responsibility onto the customer after the fact. Unjust Enrichment / Bad Faith DStv has effectively collected premiums for insuring an asset that: Became obsolete years ago, Was replaced through your own sales process, Was no longer in use. Continuing to collect premiums under these circumstances, while now denying liability, raises serious concerns of bad faith and unjust enrichment. Potential Violation of Consumer Protection Principles This conduct appears to contravene the spirit—if not the letter—of South African consumer protection frameworks, including: Fair, reasonable, and just contract terms, Transparency and disclosure obligations, Prohibition of misleading or deceptive practices. Position I reject DStv’s repudiation of my claim. The reality is simple: I paid for insurance continuously. The insured risk (decoder damage) materialised. DStv is now attempting to rely on a technicality that arose solely due to its own failure to properly administer or communicate policy requirements. Required Resolution I hereby demand the following: Immediate reassessment and approval of my claim for the damaged Explora decoder; or Full reimbur*****t of all insurance premiums paid from the date of the upgrade to present, on the basis that the policy was effectively invalid and misrepresented. Next Steps Should this matter not be resolved promptly, I will have no hesitation in escalating this complaint to: The National Consumer Commission, The relevant Ombudsman, Public consumer platforms and industry bodies. I trust DStv will take this matter seriously and act in accordance with both legal obligations and basic principles of fairness. Yours faithfully, C.OOSTHUIZEN
0 replies
50 months ago
GOLF RESORTS - GET IT WRONG AGAIN
Okay so GRC have an annual levy that is payable each year approx 14k, thsi levy is payable in full amount or in installments. My levy was paid before 1/3/2022 and GRC still insist on showing on my credit report that the account is 2 months in arrears, this after I have received a statement showing my account is in good standing. When asked to remove the incorrect info from the credit bureau as it affects my credit score - deaf ears - no response. These remarks have now affected my application for vehicle finance, how do I get recourse - any one out there keen to challenge GRC on a legal level, as I am sure I cannot be the only person who is gatvol of this company. We ask to speak to senior managers, we are told none are available - BS, BS, N\BS - I do not recommend anyone in their right mind purchase GRC membership,. And when you try to sell they tell they cant help you, yet they continue to sell NEW MEMBERSHIPS and are oversubscribed as holidays are never available and the few who do manage to get them are lucky its like seeing a one legged unicorn - how can these companies be allowed to damage your credit score without recourse?
53 replies
56 months ago
GOLF RESORTS MEMBERSHIP STAY AWAY
19/8 provisionally booked 2 x units for a 1 week holiday at San Lameer to attend a wedding on SCoast in March 2022. Fortunately a family member offered accommodation closer the venue , so we cancelled with GRC 29/8. I was then asked to pay a a cancellation fee of R1700-00 per unit, as we booked 2 units - R3400-00. No official booking was confirmed, received or paid for. Member of GRC for past 15 years, we have been unable to make bookings suitable for our holidays due to over subscription and continuous sales of this membership with only a handful of holiday units available. GRC no longer cares for members, only about the bottom line and ****ty customer service. When asked how we can sell this membership, we are told they cannot help, we must sell it ourselves.With levies totalling 15k a year, Golf Resorts is an absolute waste of time, money and poor service, what started as a great idea, awesome service, has turned into a commodity, 1 star customer experience personally I am now looking legally at how to get rid of this membership. I will request a copy of my official original contract signed, to seek counsel on how we get out of this bull**** - - just cant #win
53 replies
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