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Anonymous A
Active since Sep 2024
25
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25 reviews1 month ago
******** Collection Attempts and Failure to Respond to Document Requests
Dear Risima Shared Services, I am writing to lodge a formal complaint against your company regarding your handling of my disputed WesBank vehicle finance account. Although you previously confirmed that the account is under formal dispute, placed on hold, and that all collection activity has been suspended, your agents continue to follow up repeatedly without providing any of the legally required documentation. This conduct is improper, ********, and in direct contradiction to your own written communication. 1. Failure to Provide Requested Documentation On multiple occasions, I requested the following documents in terms of the National Credit Act (NCA) and the Debt Collectors Act: Full account reconciliation explaining the “Bad Debt Opening Balance” All Taxed Bills of Costs for legal fees charged Sheriff warrants and Sheriff returns (if applicable) A complete post‑judgment interest calculation sheet Written proof that WesBank’s legal department approved the reconstructed balance A breakdown of the “Bad Debt Write‑Off” and “Bad Debt Opening Balance” entries dated 6 September 2024 None of these have been provided. Without these documents, you cannot lawfully demand, negotiate, or collect any money. 2. Continued Follow‑Ups Despite the Account Being Under Dispute You confirmed in writing that: The dispute is logged The account is placed on hold All collections activity is suspended Yet, I continue receiving: Follow‑up messages Phone calls Payment requests This constitutes: Harassment A violation of section 103 of the National Credit Act A violation of the Debt Collectors Act Attempted collection on an unverified and disputed debt Breach of your own written undertaking Your conduct is ******** and unacceptable. 3. Demand for Immediate Compliance I hereby demand that: A. All communication relating to collections STOP immediately — until the requested documents are provided in full. B. Risima provide the complete documentation within 10 business days These documents are not optional; they are legally required when collecting a debt. C. No additional interest, fees, or charges be added while the matter is under dispute. D. No adverse credit reporting occur until the dispute is fully resolved. 4. Notice of Escalation If this matter is not resolved satisfactorily, or if harassment continues, I will escalate it to: The Ombudsman for Banking Services (OBS) The Credit Ombud The National Credit Regulator (NCR) WesBank Executive Office Hellopeter public complaint log I will also request that WesBank review your appointment as an External Debt Collector due to non‑compliance. 5. Required Written Confirmation I require written confirmation from Risima Shared Services that: All collection activity has ceased; The account remains on hold; You are actively obtaining the documents from WesBank; No further communication will be sent to me unless it is the documentation requested. Conclusion Your agents' continued follow‑ups while failing to provide legally required documents is ******** and unacceptable. As WesBank’s appointed representative, you are required to adhere to the NCA, the Debt Collectors Act, and industry standards of conduct. I expect your urgent attention and written confirmation. Regards, Miss JK Matau
0 replies
1 month ago
FORMAL COMPLAINT TO WESBANK REGARDING RISIMA SHARED SERVICES AND ******** COLLECTION ACTIVITY
To: WesBank Customer Complaints / WesBank Legal Department From: Miss JK Matau Account Number: 85277376640 Dear WesBank, I am submitting this formal complaint regarding the handling of my vehicle finance account and the ongoing ******** and unprofessional conduct of Risima, the external debt collector appointed by WesBank. Despite my dispute being formally logged and acknowledged, the issues raised have not been addressed, and I continue to receive collection follow‑ups without any compliance with the National Credit Act or the Debt Collectors Act. This complaint is directed at WesBank because Risima acts on your instruction, and the errors, omissions, and harassment arise from WesBank’s actions and lack of oversight. 1. ******** Reconstruction of Account Balance (6 September 2024) Risima’s statement reflects the following entries on the same day: BAD DEBT WRITE‑OFF: R204 567.92 (CR) BAD DEBT OPENING BALANCE: R182 261.56 (DR) This constitutes an irregular and ******** balance reconstruction because: No reconciliation explaining the R182 261.56 was provided No audited legal cost breakdown was provided No court order or taxed bill of costs was supp**** No post‑judgment interest calculation was supp**** No WesBank authority approving this new balance has been given This reconstruction is both procedurally and legally defective, and I dispute it in full. 2. Legal Fees Charged Without Taxed Bills (********) The following amounts appear on the statement: R5 450.75 (14/03/2022) R4 168.75 (14/09/2023) R2 269.53 (26/01/2024) R6 479.07 (09/02/2024) These fees are not payable unless supported by: A Taxed Bill of Costs Sheriff warrants & returns (post‑judgment) Underlying attorney invoices To date, none have been supp****. This is ******** and constitutes inflated and unverified legal charges, prohibited under the NCA and Magistrates’ Court Rules. 3. Value‑Added Products Charged After Judgment — ******* Extended Warranty, Tracker, Bodyline Maintenance, CoverPlus, and other VAP fees cannot legally accrue after the judgment date, which was 24 July 2023. Any such charges after this date must be reversed. 4. WesBank’s Appointed Collector Violating the Law Although Risima confirmed the following in writing: My dispute is logged The account is on hold All collection activity is suspended They continue following up repeatedly, pressuring me for payment without providing any of the legal documents requested. This constitutes: Harassment Contravention of the NCA Contravention of the Debt Collectors Act Attempting to collect a disputed and unverified amount Breach of their own written confirmation As the creditor, WesBank is liable for the conduct of its appointed representatives. 5. Documents Requested (Still Not Provided) I again request WesBank to urgently provide: Full account reconciliation explaining the “Bad Debt Opening Balance” Taxed Bills of Costs for every legal fee Sheriff warrants & returns (if applicable) Post‑judgment interest calculation sheet Written internal approval from WesBank’s legal department for the reconstructed balance These documents are mandatory and must be provided before any collection activity can resume. 6. Required Action from WesBank I request that WesBank: A. Immediately intervene and instruct Risima to stop all follow‑ups until full compliance is met. B. Provide the complete documentation listed above within 10 business days. C. Confirm that: No further collection attempts will be made, No negative credit bureau reporting will occur, No new interest or fees will be added while the matter remains in dispute. 7. Escalation Notice If WesBank fails to resolve this matter, I will escalate to: The Ombudsman for Banking Services (OBS) The National Credit Regulator (NCR) The Credit Ombud Conclusion WesBank must take accountability for the incorrect balance reconstruction, unverified legal fees, and ******** conduct by its appointed debt collector. I request urgent senior‑level intervention and a written response addressing all items raised. Sincerely, Miss JK Matau
159 replies
4 months ago
I have to always complain on HelloPeter to receive attention from Wesbank
The crux of the matter is that when I instructed WesBank to collect the vehicle, it was not fetched. I still require clarity on this point. This is not about whether WesBank attempted to call me; it is about the fact that I provided the instruction and the vehicle’s location, yet no action was taken. Please provide the specific reasons why the vehicle was not collected after my instruction - I have been told that it's because Wesbank could not get hold of me, but I ask why try to get hold of me when I have supp**** all information of the car's whereabouts? In addition, I have previously requested documents listed below, and they have not been provided. I request that these items be supp**** to me: 1. In Duplum Rule Compliance (Section 103(5) of the NCA) Please provide a full and itemised account from the date of the alleged default, showing all charges, fees, interest, and any other amounts added to the account, to confirm full compliance with Section 103(5) of the National Credit Act 3. Vehicle Recovery Process I supp**** WesBank with the exact location of the vehicle and instructed that it be collected. Despite this: The vehicle was not collected, The tracers who contacted me stopped communicating. All I need is an explanation for each of these failures to act, because would not be here had Wesbank acted as requested/instructed. 4. Notification of Account Cession I was not informed that my account was sold or ceded to any third party until those third parties began contacting me. While the agreement states that WesBank may cede an account, I am entitled to prior written notice of such a material change. Please confirm: Whether the account was sold or ceded, The exact date of the cession, The identity of the third party involved, Copies of any notices that were sent to me in this regard. Kindly assist with the documents and information I asked for, this matter cannot be closed now without a proper solution.
0 replies
5 months ago
WesBank’s Non-Responsiveness and Failure to Act
I am extremely disappointed with WesBank’s handling of the account I had with them and their continued non-responsiveness. Legal action was initiated on 12 November 2021, and a default judgment cancelling the agreement was granted on 24 July 2023. Despite repeated requests for WesBank to collect the vehicle (including communications on 16 July 2024 and 29 July 2025), the vehicle remained uncollected. My complaints lodged via Hello Peter on 19 September 2024 and 21 October 2025 were closed without resolution, despite my cooperation. Two tracers visited my workplace, and I disclosed the vehicle’s location. They later ceased communication without explanation. I recently sent WesBank a formal email requesting compliance documentation and clarification on several issues, including proof of Section 129 notice, Sheriff’s returns, judgment documents, and a full account statement. To date, WesBank has not sent what I requested. This lack of action and communication violates my rights under the National Credit Act (NCA) and has caused unnecessary delays, costs, and frustration. I demand: Immediate response and provision of all requested documentation. Explanation for failure to recover the vehicle despite my cooperation. Full account recalculation to confirm compliance with the in duplum rule. If WesBank fails to resolve this matter urgently, I will escalate to the National Credit Regulator (NCR), the Ombudsman for Banking Services, and consider legal action for rescission of judgment.
106 replies
5 months ago
Formal Complaint: Failure to Collect Surrendered Vehicle and Inflated Debt
Formal Complaint: Failure to Collect Surrendered Vehicle and Inflated Debt Dear Sir/Madam, RE: ID Number 84050704****5 I am writing to lodge a complaint regarding WesBank’s failure to collect a vehicle after I initiated a voluntary surrender process under Section 127 of the National Credit Act. in 2023 and 2024, I notified WesBank of my intention to surrender the vehicle and made it available for collection. WesBank subsequently sent sheriffs to collect the vehicle; however, they did not take possession of it. Despite my compliance with the surrender process, WesBank failed to complete the collection and instead sold my account to a debt collector, who is now contacting me. Furthermore: - I have already lodged a couple of complaints on HelloPeter regarding this matter. - WesBank only attempted to contact me this year, after I complained again on Hellopeter, claiming that I owe the debt. I dispute this claim because WesBank failed to collect the vehicle when they were given the opportunity. - I logged a dispute with TransUnion regarding this account, and TransUnion confirmed that the debt is prescribed. I also dispute the amount WesBank claims I owe. By failing to collect the vehicle when I made it available, WesBank caused the debt to inflate with interest and fees. This is unreasonable and contrary to the principles of the National Credit Act. I comp**** fully with the legal requirements, and WesBank’s failure to mitigate its loss should not result in financial prejudice to me. I acknowledge that a summons may have been issued previously; however, WesBank’s prolonged inaction and failure to collect the vehicle demonstrate unreasonable delay and unfair conduct. **Relevant Precedents and Guidance:** Similar cases have been addressed by the Credit Ombud and courts, including *Baliso v WesBank (Constitutional Court, 2016)*, which emphasized strict compliance with Section 127 of the National Credit Act. The National Consumer Tribunal has also ruled against credit providers for failing to follow proper surrender procedures and for engaging in unfair practices. Ombud rulings confirm that when a bank fails to collect a surrendered asset and inflates the debt, consumers are entitled to relief. I urge WesBank to consider these precedents and resolve this matter fairly. I hereby request: 1. A full explanation of why the vehicle was not collected. 2. Immediate resolution of this matter, including withdrawal of the debt from the collector and proper closure of the account. Please respond within 10 business days. If I do not receive a satisfactory response, I will escalate this matter to the Credit Ombud and the National Credit Regulator. Thank you for your urgent attention. Yours faithfully, JKM 0727485848
106 replies
5 months ago
All I ask is for a prescription letter.
On 05 November 2025, I sent an email requesting a prescription letter for my former RCS account. The account number is 7000100100214244238, and my details are as follows: Name: Jane Kelebogile Matau ID Number: 84050704****5 Days passed without any feedback, and today, at 14:50, I decided to call your office to find out what had happened. During the call, I was informed that the prescription letter is currently with Nimble Group and the consultant confirmed seeing the prescribed account on the system, and that a call has been logged to process it. To assist in resolving this matter, as I also have the prescription notice from Transunion. I kindly request that the prescription letter be sent to me as soon as possible. Thank you for your attention to this matter. Kind regards, Contact: 072 748 5848 / janematau011@gmail.com
106 replies
5 months ago
How do we get assisted if your phone lines and emails don't get answered?
I have tried numerous times to call Bayport for my prescription letter, to no avail, their phone just cuts off and there is no alternative number. I further e-mailed, yet still no assistance. How does one get assistance if Bayport is unreachable. I am asking for my prescription letter, for an account I used to have with Bayport and was closed. My email address is janematau011@gmail.com and my phone number is 0727485848. Please assist with that prescription letter.
124 replies
5 months ago
Why are you giving me the run arounds for prescribed letters?
I called Consumer Friend to ask for prescription letters of accounts I used to have. I was sent letters that speak to the accounts and I forwarded to Debt Busters. Debt Busters then came back to me and said they need prescribed letters speaking to the account numbers from the Credit Provider not the in-house account number of Consumer Friend. So Consumer Friend had given me the letters but the letters did not have the account numbers of both Foschini and RCS. I went back to Consumer Friend to ask for the letters, the very letter I received from them. I am now told by Consumer Friend that the queried accounts were terminated from debt review due to non-payment. That they do not have visibility on post-termination activities and they recommend contacting the credit providers directly for further assistance, the very same credit providers who told me the accounts were sold to Consumer Friend, that's the reason I contacted them and they gave me letters. Now all of a sudden they don't have the letters. I don't know the reason I am being taken for a ride or I am being made to look like a f00l, by Consumer Friend, Foschini and RCS. Should we consumers have to contact NCR and the Ombudsman to be taken serious or what should we do? This is not on and is unprofessional on your end. My number is 0727485848
124 replies
5 months ago
Discrepancies on forms
On all the forms received recently from Debt Busters there are discrepancies. The form 16 received recently from Chante lists different debts different from the first form 16 received in 2020/21, also the list of debts sent via email from Lauren Damon are different from tje two forms. My question is how is the decision to remove me from debt busters will be made when i get different debts listed and or removed from form 16 and form 17.W? Is this a tactic so when I get all prescription letters Im told the other letters are missing? May I also request a recording of the phone call that was made to me for this debt review application please. Thanks. My number is 0727485848.
71 replies
5 months ago
Why refuse with prescription letters? The Act clearly stipulates the right of consumers in that regard!
I used to have a Finchoice and HomeChoice accounts years back, which are now closed while i am under debt review. I cannot seem to get any assistance when it comes to the prescription letter/closed account letters for the accounts. I was told the account was sold to TCR, they have no idea of those accounts. I realy ask not to be taken from pillar to post for accounts that have prescribed, I deserve those prescription letters - Kindly ask your debt review department to assist as matter of urgency. The account numbers are Finchoice 6136955, 5235869 and HomeChoice 242874032 Please let us work together as South African citizens and professionals and not treat each other like we don't understand the law. Please! Otherwise one has to email NCR or Ombudsman because this is really not right, to hold people ransom when I legally deserve those prescription letters. My number is 0727485848.
266 replies
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