ND
Nonduduzo D
Active since Jan 2021
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2 reviews48 months ago
Hidden important information for customers
A very bad service at Estcort.... The place is too small to accommodate customers yet the important information that is supposed to be read by customers is hidden by 2 long ques I'm supper ****ed off I was forced to join another long line just because the one I joine is not for phone call orders.... Customers important information /notice should be visible to everyone not to workers
0 replies
64 months ago
Capitec Loans
Hi I'm Nonduduzo Dlamini I'm not happy about the capitec's way of solving their clients issues. I have two loans with capitec and when I made these loans we agreed that they I'll debit their monthly installments on the 15th of each month unless the 15th is is on Sunday or Saturday or on a holiday they'll deduct before the 15 on a working day. However I'm not happy about what capitec did on my two loans, they deducted their monthly installments for both loans on the 14th of December on the amount that I claimed at Sanlam (that money was meant for other expenses and I was supposed to use it immediately ) so I requested that they reverse those two amounts at capitec and they did. (I did all this at Bergville capitec on the 14th of December) We Waited for those two debit orders to report on my phone the 1st debit order came back at 17:08and the 2nd one reported at 17:09 then after that we continued to consolodate those two loans. According to their side (capitec) they say the amount that capitec paid towards consolidation of those two loans it was the balances after those December installments. Now they're saying that I should pay that money (December installments) because it appears on their system that I owe . My argument with them is that I won't pay that money because they deducted on the wrong date on the wrong amount I've never signed up for 14th I signed up for 15th and it looks like I have to pay this money to correct their faulty system. On the following day I received a call from collections asking me to arrange how am I going to pay money I'm owing to capitec I explained to her what happen however she kept on telling me that I need to pay this money becase it appears that I'm owing i told her I'll go to the bank to fix this. I went to Bergville capitec to report this. The person who was helping to combine these two loans at capitec called them they spoke for about an hour they didn't give him any solution. He then handed this issue to his manager he called them spoke with them for more than an hour but still he did not get a solution. He told me to go home he'll send them an email because they're just wasting time they don't give him solutions . On the following day I received another call from the very same number that called on the previous day ( a different consultant now) I explained to him my whole story he told me that he'll leave a note on the system (but he didn't because I kept on receiving calls each day) I've been called by almost 8 or 9 consultants one of these consultants (it was on Friday on the 18th of December) he put me on hold I waited for more that 10 minutes after that he got back to me (now I was speaking with a different person) he told me they've resolved my issue it was their fault ( which was a lie my issue is not resolved even now). I kept on receiving these calls each day explaining my story to every consultant (because I understand they're working) 90% of them told me that they were leaving notes on the system for my issues (which was a lie because they didn't). I then decided to call Bergville capitec told them that my issue is not yet resolved they gave me a reference number to give to those collection department incase they call again unfortunately they never called again. Today I went to capitec in Greytown to solve this issue again I stayed there for more than an hour they made calls but still there was no positive feedback. They told me that they gave a complaints department my contact details they will contact me when a system department gets back to them of which it's something they're not sure when it's going to happen. When I print a loan statement for both loans it shows that I reversed these debit orders on the 15th which is not true I did everything on the 14th of December . Now I have to pay for their faulty system to me it really doesn't make sense at all. Here's is the summary of my loans the 1st one is as follows: November balance : 20/11/2020 - R137 607.80 On the 14th of December an amount of R3 828.22 was deducted as monthly installment an amount of R2 640.37 was charged as interest. The owing balance was now R136 488.95 ( which is the amount that capitec settled) and the balance was 00.00 But on the 15th of December and amount of R3 828.22 (monthly installment) was shown as amount on areas. My argument is that it's their fault that they deducted on the wrong date on the wrong amount and it's their fault they when settlement amount was being requested it wasn't up to date because of what they did (deducting on the wrong date). When I ask them how much was I gonna pay if they didn't deduct on the 14th they didn't give me that balance. To me it really doesn't make sense because if I add what capitec settled and my monthly installment it gives me a total amount of R140 311.17 ( THIS IS NOT EVEN MY NOVEMBER BALANCE) that's why I say I'm not gonna pay it because it's ther fault and their system's fault. My worry is that when 15th of January comes they'll deduct this money which is very unfair For me because I've settled both loans. They did the same thing on my other loan. They never called me regarding early December debit order. Personal information: Name and Surname :Nonduduzo Dlamini My ID number is :9109270957087 My contact details : 0614206473 or 0780407646 Account number: 1398682142. I would really appreciate if capitec could resolve this issue update their System to correct their mistakes. THANK YOU.
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