EB
Esmarie B
Active since Jul 2025
4
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4 reviews1 month ago
CAPE UNION MART FINANCIAL PARTNER RCS GROUP DEBIT BOGUS CHARGES ON CLEARED ACCOUNTS
I have paid off my account with Cape Union Mart and have not been buying on credit for the past 2 years. When I app**** for a home load this year I am being told that I have bad debt from unpaid account with Cape Union Mart collections company RCS Group. I immediately jumped on that as I know I have not been trading on this account so this must be some kind of mistake. As we all know these days everything is done verbally ( while being recorded for training purposes) so I asked them on email what is going on. Specifically this way so that I would have proof of my communication on this. So after they were trying to phone me number of times I insisted they communicate via e-mail. As it turns out when I did ask the consultant that I want to clear my account, meaning in laments terms that I want to pay all outstanding amounts and have the account lying dormant till i see the need to use it again. I was given an amount which I paid. This year when I wanted to apply for my home loan here i am being told that I have bad debt with Cape Union Mart. So following up it seems like me as a customer did not use the correct jargon terminology to ask for a Settlement Account so the consultant just gave me a Paid Up Amount. After my communication with them via e-mail again, because I do not have proof of what I asked for when they phone you told them that I have not traded on this account for 12+ months so how is it possible that there are costs applicable on the account. I told them that I will not pay any further charges on this as I am not using this account. I started this communication 14 January 2026. Today is 16 March 2026 and I have just received my statement which informs met that I owe them R128.45 for monthly service fees. So if I have not used this account for many years why is Service fees as well as an insurance fee billed to me. And when I said I want to clean up my account why should I still be paying for fees. I sent them reminder after reminder of which I am now just ignored. Last request to fix this has conveniently been falling on deaf ear, same as sending me a paid up amount instead of a settling amount. With all honesty how am I as a normal person that does not have a accounting back ground or are up to date with accounting jargon know that I "specifically" have to ask for "settlement amount" On 6 Feb I received another Paid Up letter from RCS Group. Again clearly my instructions was not followed as again i am sitting with a statement of R128.45. 21 Feb 2026 I had another person on a new string of mail saying that i have money outstanding. I attached my previous instruction of this whole debacle and told them to cancel that new amount they are now billing to my account and then CLOSE MY ACCOUNT as I want no association with Cape Union Mart and RCS Group if they are going to invoice costs their customers which is on zero balance accounts. I want nothing to do with a company that mislead clients and while we think our accounts is clear and paid up they give you a "paid up" option and not a "settlement" option which for the normal people on the street is one and the same thing. It is now 16 March 2026 and STILL waiting on a response from your people. I also want to mention that THIS has caused that I now struggle to get a full bond approval because I am being labelled as bad debtor!!! I suggest you get your people to sort this out asap.
0 replies
6 months ago
LYING, MISLEADING AND SABOTABY BY VIRSEKER INSURANCE / TELESURE INVESTMENT HOLDINGS
#Virseker, #TelesureInvestmentHoldings, #Auto&General. You are LIERS. You are MISLEADING. You IGNORE. You SABOTAGE. If you thinking about supporting these companies with Insurance get ready for financial loss and being ignored in time of need. BUT THEY TAKE YOUR MONEY EVERY MONTH!!! Please do not support this holding company or any insurance company underwritten by them like Auto & General and Virseker. I have a dispute with Virseker where they included the Solar Geyser display into my claim even though I do not have cover for the Solar Geyser. After months of fighting and supplying them with literature that this should not have been included into the claim, they have now shoved me off to their Adjudicator department. And typically as they are, I am now being ignored. So below my time frames. 5 June 2025 - Virseker installed the Geyserwise display due to fire damage. I have another extensive explanation on Hello Peter due to Virseker causing massive financial loss to me due to having to install whole new Solar Geyser system due to their assessor not sending qualified people to assess situation. I start the claim for the new geyser of R22000. 12 June 2025 - Virseker tells me they are not responsible for the failure of the old geyser and they reject my claim. They advised me that the geyser burst which is a usual thing. I am saying they did not replace the old display with the same display which resulted in not being done correctly and that it was Virseker's error by including this into the claim. They should not have. 26 June 2025 - After sending numerous mails I place complaint on Hello Peter as now I am ignored by the Virseker consultant. I am all of a sudden being contacted by Telesure Investment Holdings management that they are looking into the case. I tell my story and state my case that the failure of the Geyser is due to the replacement of the display as it is 2 totally different makes of geyser systems. 12 July 2025 - Telesure Investment Holdings manager comes back and again tell me it is not their fault and dismiss my claim. I ask them to send their assessor to my house in order to have a meeting about this. The old geyser is still on roof and they can do their inspection on what went wrong. 31 July 2025 - Still not response from TIHSA. 4 August 2025 - TIHSA Manager tell me to escalate this to their dispute department. 6 August 2025 - Internal Dispute Resolution Consultant contact me and ask till 26 August to "look into the case". I forward her the full explanation on what happened and what my opinion is regarding the failure of the old solar geyser. 18 August 2025 - I got contacted and I discussed it telephonically with the dispute consultant. I again highlighted the problem areas of this. 19 August 2025 - She tells me AGAIN that the solar geyser is not covered by the insurance as we did not include it in the policy which is a specified item on the insurance policy. At this time I asked " WHY DID THEY INCLUDE THE DISPLAY UNDER THE CLAIM WE LODGE FOR THE FIRE IN THE HOUSE". Along with this I attached extensive literature on the Solar system I had in the house VS what they replaced the display with. I had a TKDZ Low pressure Thermosyphon and they replaced it with a Geyserwize display. I pointed out to them that these 2 displays cannot just be changed without changing probes and sensors in the existing geyser. This was not done correctly by the company that did the repair and replacement. 10 September 2025 - 3 weeks with no answer from TIHSA dispute consultant. I sent reminder. She advised that she is now getting the assessor to advise. I again asked why the display was included in the claim when it should not have been included due to the exclusion on the policy of the Solar Geyser and accessories. 18 September 2025 - After constant nagging TIHSA Dispute Consultant tells me that the display is included in the Structural Insurance ( which we had ) BUT THE GEYSER IS NOT AS IT HAS TO BE SPECIFIED. I totally disagreed with this and asked her to send me where it is stated on the policy. She sent me just a little extract out of the policy which states: "Gebou dekking: Ons sal jou vergoed vir: Verlies van die skade aan jou eie huis, Motorhuis, buitegeboue, swembad ( maar nie boorgat- en swembadtoerusting nie), mure, hekke, Grensdrade, Tennisbane en vir die (and the following is highlighted) BYBE**** EN VASTE TOEBE**** BY DIE ADRES OP JOU SKEDULE" I asked for the full policy as one sentence does not explain the policy. And true and behold the policy says the below: " skade/verlies aan geisers en aangehegte bytoeselle/pype - Dekking nie geneem Skae/verlies veroorsaak deur bars of oorloop van geisers, toerusting of pype aangeheg aan geisers - Dekking nie geneem: What aggravate me more is that she is so deceiving by not sending their full policy specs which I had to search for online and found. Below was my response to her. "I had to deal with my father’s death, funeral and then still fight with non responding Virsekering consultants that gives me generic responses and then try and hide behind part extracts on the policy which does not bring into context the whole SOLAR GEYSER EXCLUSION clause under 11 (a) and 11(b) of the Virsekering Schedule. TIHSA dispute consultant is trying to classify the Geyserwise component under “ bybe**** en vaste toebe**** by die adres op jou skedule” on the broad explanation of the schedule, which under my impression would be solar panels or inverters as it is specifically named and excluded under point 2 of Structural cover as well as point 11 I pointed out So to my opinion the display should not have been included into the claim as it is "bytoestelle" ( accessories) of the geyser. It is specifically excluded in their policy that anything connected to the Solar Geyser is EXCLUDED from my policy. It should not have been included because changing the display also forces you to change the temperature probes and sensors which goes inside the geyser if you are changing the manufacturing make of the geyser. As previously explained, I had a TKDZ low pressure thermosyphon solar geyser and they are replacing it with a Geyserwise display. And conveniently as per the Dispute consultant the display is part of structural but sensors and probes is part of Geyser insurance. This is a blatant lie to cover that the mistake is made by the Virseker Consultant to include it in claim and proceed to send the assessor's contractor to change the display. This is FALSE pretenses and they are not admitting to the mistake. This caused me to lay out R23000 a week after the death of my father to replace the geyser that they were directly responsible for the failure of the old geyser. 01 October - After daily back and forth between myself and the Technical Advisor of Digicall Assessing Solutions I finally got my full answer which in my opinion should have been the proof that this was a mistake by Virseker consultant. Below is his response: "The probe controls and monitors Temperature and circulation The geyser wise does not control water level. As mentioned before all geysers are supposed to be full. You should never adjust or restrict water level as this will damage the geyser severely. It could cause an explosion or severely burn people. These TKDZ controllers are no longer imported and there is no agent as the units did not pass the South African standards on geysers. Yes they would have had to replace the controller, Thermostat, Probe and Keypad. Only those four components, but all 4 would have to be replaced. " 2 October - I am being told by the Internal Dispute Resolutions Consultant of Telesure Investment Holdings to escalate this to ADJUDICATOR@TIHSA.CO.ZA. Why because now she is tired of dealing with me and do not know how to admit to the mistake made by their Virseker Insurance Consultant and then just passing me on to the next entity that DOES NOT LIVE UP TO THEIR PROMISES OF HAVING AN ANSWER. I immediately escalated it to the Adjudicator sending them all emails and literature to this case to work throught. 3 October. They acknowledge receipt of mail and asked till 16 October to investigate. 30 October - After numerous emails and reminders to them followed up with a phone call ( of which was unsuccessful due to the fact that no one can put me through to the consultant that is handling the case. Best protected people in the world). NOW THERE IS TOTAL SILENCE AND NO RESPONSE FROM THEM. To finalize. I am waiting for adjudicator@tihsa.co.za to get back to me.
53 replies
6 months ago
LYING, MISLEADING AND SABOTAGE BY TELESURE INVESTMENT HOLDING / VIRSEKER INSURANCE
#Virseker, #TelesureInvestmentHoldings, #Auto&General. You are LIERS. You are MISLEADING. You IGNORE. You SABOTAGE. If you thinking about supporting these companies with Insurance get ready for financial loss and being ignored in time of need. BUT THEY TAKE YOU MONEY EVERY MONTH!!! Please do not support this holding company or any insurance company underwritten by them like Auto & General and Virseker. I have a dispute with Virseker where they included the Solar Geyser display into my claim even though I do not have cover for the Solar Geyser. After months of fighting and supplying them with literature that this should not have been included into the claim, they have now shoved me off to their Adjudicator department. And typically as they are, I am now being ignored. So below my time frames. 5 June 2025 - Virseker installed the Geyserwise display due to fire damage. I have another extensive explanation on Hello Peter due to Virseker causing massive financial loss to me due to having to install whole new Solar Geyser system due to their assessor not sending qualified people to assess situation. I start the claim for the new geyser of R22000. 12 June 2025 - Virseker tells me they are not responsible for the failure of the old geyser and they reject my claim. They advised me that the geyser burst which is a usual thing. I am saying they did not replace the old display with the same display which resulted in not being done correctly and that it was Virseker's error by including this into the claim. They should not have. 26 June 2025 - After sending numerous mails I place complaint on Hello Peter as now I am ignored by the Virseker consultant. I am all of a sudden being contacted by Telesure Investment Holdings management that they are looking into the case. I tell my story and state my case that the failure of the Geyser is due to the replacement of the display as it is 2 totally different makes of geyser systems. 12 July 2025 - Telesure Investment Holdings manager comes back and again tell me it is not their fault and dismiss my claim. I ask them to send their assessor to my house in order to have a meeting about this. The old geyser is still on roof and they can do their inspection on what went wrong. 31 July 2025 - Still not response from TIHSA. 4 August 2025 - TIHSA Manager tell me to escalate this to their dispute department. 6 August 2025 - Internal Dispute Resolution Consultant contact me and ask till 26 August to "look into the case". I forward her the full explanation on what happened and what my opinion is regarding the failure of the old solar geyser. 18 August 2025 - I got contacted and I discussed it telephonically with the dispute consultant. I again highlighted the problem areas of this. 19 August 2025 - She tells me AGAIN that the solar geyser is not covered by the insurance as we did not include it in the policy which is a specified item on the insurance policy. At this time I asked " WHY DID THEY INCLUDE THE DISPLAY UNDER THE CLAIM WE LODGE FOR THE FIRE IN THE HOUSE". Along with this I attached extensive literature on the Solar system I had in the house VS what they replaced the display with. I had a TKDZ Low pressure Thermosyphon and they replaced it with a Geyserwize display. I pointed out to them that these 2 displays cannot just be changed without changing probes and sensors in the existing geyser. This was not done correctly by the company that did the repair and replacement. 10 September 2025 - 3 weeks with no answer from TIHSA dispute consultant. I sent reminder. She advised that she is now getting the assessor to advise. I again asked why the display was included in the claim when it should not have been included due to the exclusion on the policy of the Solar Geyser and accessories. 18 September 2025 - After constant nagging TIHSA Dispute Consultant tells me that the display is included in the Structural Insurance ( which we had ) BUT THE GEYSER IS NOT AS IT HAS TO BE SPECIFIED. I totally disagreed with this and asked her to send me where it is stated on the policy. She sent me just a little extract out of the policy which states: "Gebou dekking: Ons sal jou vergoed vir: Verlies van die skade aan jou eie huis, Motorhuis, buitegeboue, swembad ( maar nie boorgat- en swembadtoerusting nie), mure, hekke, Grensdrade, Tennisbane en vir die (and the following is highlighted) BYBE**** EN VASTE TOEBE**** BY DIE ADRES OP JOU SKEDULE" I asked for the full policy as one sentence does not explain the policy. And true and behold the policy says the below: " skade/verlies aan geisers en aangehegte bytoeselle/pype - Dekking nie geneem Skae/verlies veroorsaak deur bars of oorloop van geisers, toerusting of pype aangeheg aan geisers - Dekking nie geneem: What aggravate me more is that she is so deceiving by not sending their full policy specs which I had to search for online and found. Below was my response to her. "I had to deal with my father’s death, funeral and then still fight with non responding Virsekering consultants that gives me generic responses and then try and hide behind part extracts on the policy which does not bring into context the whole SOLAR GEYSER EXCLUSION clause under 11 (a) and 11(b) of the Virsekering Schedule. TIHSA dispute consultant is trying to classify the Geyserwise component under “ bybe**** en vaste toebe**** by die adres op jou skedule” on the broad explanation of the schedule, which under my impression would be solar panels or inverters as it is specifically named and excluded under point 2 of Structural cover as well as point 11 I pointed out So to my opinion the display should not have been included into the claim as it is "bytoestelle" ( accessories) of the geyser. It is specifically excluded in their policy that anything connected to the Solar Geyser is EXCLUDED from my policy. It should not have been included because changing the display also forces you to change the temperature probes and sensors which goes inside the geyser if you are changing the manufacturing make of the geyser. As previously explained, I had a TKDZ low pressure thermosyphon solar geyser and they are replacing it with a Geyserwise display. And conveniently as per the Dispute consultant the display is part of structural but sensors and probes is part of Geyser insurance. This is a blatant lie to cover that the mistake is made by the Virseker Consultant to include it in claim and proceed to send the assessor's contractor to change the display. This is FALSE pretenses and they are not admitting to the mistake. This caused me to lay out R23000 a week after the death of my father to replace the geyser that they were directly responsible for the failure of the old geyser. 01 October - After daily back and forth between myself and the Technical Advisor of Digicall Assessing Solutions I finally got my full answer which in my opinion should have been the proof that this was a mistake by Virseker consultant. Below is his response: "The probe controls and monitors Temperature and circulation The geyser wise does not control water level. As mentioned before all geysers are supposed to be full. You should never adjust or restrict water level as this will damage the geyser severely. It could cause an explosion or severely burn people. These TKDZ controllers are no longer imported and there is no agent as the units did not pass the South African standards on geysers. Yes they would have had to replace the controller, Thermostat, Probe and Keypad. Only those four components, but all 4 would have to be replaced. " 2 October - I am being told by the Internal Dispute Resolutions Consultant of Telesure Investment Holdings to escalate this to ADJUDICATOR@TIHSA.CO.ZA. Why because now she is tired of dealing with me and do not know how to admit to the mistake made by their Virseker Insurance Consultant and then just passing me on to the next entity that DOES NOT LIVE UP TO THEIR PROMISES OF HAVING AN ANSWER. I immediately escalated it to the Adjudicator sending them all emails and literature to this case to work throught. 3 October. They acknowledge receipt of mail and asked till 16 October to investigate. 30 October - After numerous emails and reminders to them followed up with a phone call ( of which was unsuccessful due to the fact that no one can put me through to the consultant that is handling the case. Best protected people in the world). NOW THERE IS TOTAL SILENCE AND NO RESPONSE FROM THEM. To finalize. I am waiting for adjudicator@tihsa.co.za to get back to me.
71 replies
9 months ago
VIRSEKER SHOCKING SERVICE AND DON' TAKE ACCOUNTABILITY
If I could give them -5 stars I would. If #Virseker is the caliber of insurance that AfriForum endorse for the Afrikaans person, then I honestly do not have any hope for our Afrikaans culture... Read the below as it gives a whole picture of what it is like to deal with #Virseker. NO answers, NO return phone calls, NO sense of urgency, disregard and just don't care of what financial difficulty #Virseker dump their clients and don't take any responsibility for #Virseker short falls. #Virseker use of contractor that don't take responsibility. @Virseker use contractors that supply the wrong tradesman for the job. #Virseker consultants do not respond to mails thinking the problem (me) will forget about it and go away. My father was insured with #Virseker. We had a fire in Feb which damaged the geyser display for the solar geyser. When #Virseker sent the assessor to check the damages, he advised that he will not be able to get the same display as currently installed as this is a 10+ year old geyser system. The assessor however advised that they could change the display to a Geyserwise display. At that time my father did not want to change the display as he wanted the same display installed that is compliant with the solar geyser system. I advised that #Virseker need to then do a cash settlement, and I will try and get the same display. This was Feb 2025. That was the last communication regarding this case. In May 2025 I revisit this case to finalize as by that time they still have not paid out the cash settlement for the geyser display. I requested that #Virseker then rather replace the unit. Me having no knowledge on Solar geysers I thought that any display would just integrate with the geyser system and that it is just a change of display. This however was not the case. After numerous phone calls and redials due to being cut off or holding on for very long time, #Virseker finally advise that they are sending out the contractor to replace the unit 5 Jun. They were busy about 4 hours to get the display changed. When he was busy explaining how the system work and filling the geyser the water started pouring out the geyser. When the technician got back onto the roof he told me that the geyser has now burst and he now need to send a report to the insurance company. This was a Thursday afternoon and I was left with no warm water. I tried getting in touch with the consultant at #Virseker which just left me extremely frustrated as I held on forever and left messages for a call back which never happens as they DO NOT RETURN CALLS. I eventually after holding on again for very long time told #Virseker consultant to please send out the assessor first thing in the morning as I need a fix or a solution to the situation. By 11h00 the next morning 6 JUN I again had to phone #Virseker numerous times to find out where the contractor is to fix. The contractor that arrived told me that the person that installed the display unit is an electrician and not a plumber. The reason the display is not working with the geyser is that the solar geyser is 10+ year old and that the Geyserwise is not compatible with the current solar geyser system. There was supposed to be adjustments made to the current geyser to be compatible with the Geyserwise system. THIS WAS NEVER MENTIONED. The electrician just replaced and then left me in the very difficult position as I had to replace the whole geyser which costed me R23000. This was on the Friday 6 Jun. I was left the whole weekend in the middle of a very cold winter with NO WARM WATER. I sent them the invoice for the replacement on Monday 9 Jun. After again sending numerous emails I got a response 4 days later that the Solar Geyser is specified item on their insurance and it was not part of the policy. With this #Virseker rejected my claim. I have sent the consultant at #Virseker numerous mails to phone me as I need to discuss this because if the Solar Geyser was not part of the policy then why did #Virseker give option for the display to be replaced which should be part of the solar geyser which is suppose to be excluded from the policy. I NEVER EVEN GOT A RESPONSE FROM HER!!!! I then went on #Virseker Facebook page and sent them a Messenger message. 27 June (3 weeks ) I finally got someone from Telesure Investment Holdings / Auto & General reached out to me. I sent a whole report to them as to where they responded on 12 July with the below. I do apologize for the delay, I have received additional information regarding the geyser and geyser wise. QUOTE "We have confirmed with a technical assessor, that the geyser wise cannot cause the geyser to burst, even if installed incorrectly or not compatible. The geyser wise does not connect to the geyser expect for sensors and a special thermostat. Should the geyser wise fail to work, the geyser would start boiling and push out the water via the pressure release valve and overflow, and would not cause the geyser to burst. We cannot find any evidence that the geyser wise was responsible for the geyser bursting. If the client had selected geyser cover, this would have been covered under that benefit, since there is no benefit for geyser cover on the policy, no payment will be made towards the geyser. " UNQUOTE I have sent her 4 mails on separate days to please call a meeting between her and the technical assessor and myself. TO DATE SHE HAS NOT EVEN RESPONDED. I have questions that I need answers to as I do not think that this display should have been replaced without the contractor warning me that something might go wrong. Secondly sending an electrician to do a plumber's job which also does not have the knowledge to advise me of any challenges. Thirdly I am sure some adjustments had to be done to the Solar geyser to be compatible with the current Geyserwise display and technically according to the policy should then not have been done because the Solar Geyser was not insured. The display is part of the Solar Geyser. Why was it part of the insurance claim if the solar geyser is not insured. I feel that I was sabotaged and then left to come up with R23000 cash to replace the geyser. I should have been professionally advised which was not done. Now my emails are being ignored thinking the problem will go away. I repeat again IF THIS IS THE QUALITY OF INSURANCE THAT IS ENDORSED BY AFRIFORUM THEN I DO NOT HAVE HOPE FOR OUR CULTURE...
53 replies
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