MV
mario V
Active since Sep 2011
14
Reviews
0
Industries
Reviews
14 reviews10 months ago
Shocking Breach of the National Credit Act by ABSA Credit Cards – My Fight for Justice
I am writing to formally raise concern over ABSA’s conduct regarding my repeated requests for debt relief. The credit provider has failed to respond appropriately under the obligations of the National Credit Act 34 of 2005 (NCA). I have exhausted all means to resolve this amicably and now seek a final response and resolution. Attached are additional emails relating to the correspondence below: Timeline of Communication • 23 July 2024 – First request for debt relief emailed to contactcard@absa.co.za and EBPaymentRelief@absa.co.za. • 13 August 2024 – Follow-up email with full financial documentation sent to card.arrangements@absa.co.za, as requested. • 27 August 2024 – Further follow-up requesting status update. No reply received. • As of 3 December 2024 – I have waited 5 months and 26 days without receiving a single debt plan or meaningful engagement, despite multiple clear and documented requests. Each of my emails included: • A full breakdown of my income and expenses; • My UK phone number and email address; • A request for assistance to avoid falling into default. Breach of Legal Duties under the National Credit Act 1. Failure to Act in Good Faith (Section 3) ABSA failed to engage or assist after being notified of my financial hardship, violating the principle of fairness, transparency, and reasonable conduct. 2. No Response to Debt Relief Request Despite showing a consistent R11,000 monthly loss since April 2024, I received no actionable support. This prolonged inaction directly contributed to my eventual default. 3. Reckless Lending (Section 81) On 11 December 2024, while I was already in default and had disclosed my inability to pay, ABSA offered me an additional R109,371 credit limit increase — an irresponsible and potentially reckless act under Section 81(3) of the NCA. Financial Position Since April 2024, I have accrued a total negative cash flow of approximately R140,000. Even under this financial strain, I continued to meet my credit card obligations until 10 December 2024. My income has now nearly dried up completely, and I have no additional funds available. Failure to Address Prior Requests Before Default Notification On 11 January 2025, I received a default email regarding my ABSA Credit Card (ending in 4041), listing the following: - Amount payable immediately: R12,034.22 - Upcoming due amount (due 6 February 2025): R11,877.00 - Total outstanding balance: R407,910.81 This email made no reference to my previous hardship requests or submitted documentation. The lack of engagement over five months, followed by this generic default communication, demonstrates a failure to act fairly and reasonably as required under the NCA. Between January and 10 February 2025, I received near-daily generic emails from ABSA reminding me of my default. These emails were repetitive, automated, and made no reference to the hardship communications I sent in July and August 2024. In addition, members of my family were contacted by ABSA and asked to pass messages to me. I view this as an inappropriate form of third-party contact. At no stage did I give permission for ABSA to involve third parties in private financial matters. These actions, combined with the refusal to acknowledge my earlier requests for assistance, created a pattern of behaviour that I believe constitutes harassment and a breach of the good faith principles set out in the National Credit Act. In May 2025, I was contacted by ABSA’s legal representatives, Strauss Daly, who stated that my account was in five months of arrears and suggested minimum payments equivalent to 4%–6% of the total outstanding balance (R17,396.77 to R26,095.15). They also confirmed my final payment of R3,850.00 made on 6 December 2024 — showing that I attempted to maintain payments even while ABSA was unresponsive to my hardship requests. I have received no indication from either ABSA or their legal team that my prior hardship communications were ever reviewed, nor was a tailored debt solution presented. This continued pattern of ignoring consumer requests while pursuing collections further substantiates my claim that ABSA failed to act in good faith under the National Credit Act. Final Lump-Sum Settlement Offer To resolve this matter in good faith, I am offering a R60,000 lump sum payment, to be paid immediately; and then R10,000 per month for a further 4 months, totalling an additional R40,000.to cover BOTH ABSA credit cards in full and final settlement. This amount will need to be borrowed from family and friends, and is the maximum I am able to raise. I would also like to note that I am currently residing abroad. I have no personal disposable income, no assets in South Africa, and I am unable to support any repayment arrangement beyond the proposed settlement as I am in a negative each month. This offer is being made in good faith and represents the only funds I am able to raise, borrowed from family and friends. If this amount is not accepted, I regret that I will have no further ability to repay, and no alternative repayment arrangements can be made at this time. I request: • Written confirmation that this amount will be accepted as full and final settlement. • That my credit profile will be updated accordingly and a paid-up letter issued. Next Steps Should this complaint remain unresolved, I will submit all relevant documentation, including communication records and credit offers, to the following authorities: • The National Credit Regulator (NCR) • The Credit Ombud • The National Consumer Tribunal, if necessary
1 reply
47 months ago
Beware Samsung Care+ Insurance Scam
I bought 2 Samsung galaxy S21 FE 5 G mobile phones on contract from Mobiles Phones Direct on the 20 March 2022. I then took out insurance on each of the phones through Samsung Care + on the 5th April 2022. The type of insurance I took out was called Samsung Care+ Lite and only covered screen damage repairs. I received the certificate of insurance on the 6th April 2022. These insurance policies offered you to pay either monthly or once off. I opted for the once off option as I only needed to pay 59 pounds in total per device and it covered me for 2 repairs a year for two years and there was no excess on the claims. The insurer / underwriter was called Allianz Assistance that was displayed on the certificate of Insurance alongside Samsung Care+. At this time I had paid both premiums up to date, in advance for the two years and thought I was covered in an event that my screen cracked. On the 16 July 2022 my phone fell out of my pocket and onto the floor next to me outside. (about 15cm it fell) and I think it must have hit a small stone on the screen as it created a small chip or dot. I later looked at the screen and a crack had developed from top to bottom where that dot was. I then immediately called Samsung Care+ who told me I now had to pay an access as all of their insurance packages now contained excesses except for the premium package. What happened with Samsung Care+ From my research I found the following had happened Samsung Care+ was using Allianz Assistance as their insurance partner and offered different insurance packages for mobile devices including the Care+ Lite package I was on. It seems they swopped insurance providers to Assurant from the 28th April 2022 and developed new insurance packages. They took away the Care+Lite package at this time. The issue I am facing is that the consultants when looking at the package they do not see the Care+Lite package that I paid for and say im on the Care+ standard package and that I must pay an excess now. I think due to this change in insurance providers as well as their package changes they are completely confused with their product offerings. Nowhere on my insurance document does it show an excess payable, neither does it show terms and conditions apply. Below they have also stated that even after the date of purchase excesses are subject to change. This does not make sense as they never notified me of this at all and even if they did I paid for a product in full for two years that didn’t have any excess. How can they now charge me when I want to claim. Is this not false advertising? What I want if for them to add notes to both of our policies that states we do not need to pay an excess for the claims on the screen.
0 replies
55 months ago
Discovery Life Agents dont answer emails.
Please assist me with speaking to a manager. I have been requesting a quote for severe illness cover for over 1 and a half months and the agent seems to be ignoring me now. Please see my emails to her below with no response. I have sent 4 emails in this regard. Please let me know if I must rather go elsewhere.
2 replies
63 months ago
Momentum fund - Cant withdraw money
My wife sent in all the documents to get her pension fund out of the Funds at work umbrella fund in december 2020. It still hasnt been processed and now they say she didnt submit the form. She emailed them in January, February and March asking if all documents are received and the broker said yes. Now the say no. This is taking too long and it feels like you are taking advantage of people. This is unethical and if not sorted out i will go to the ombudsman. Please correspond via email melissayann32@gmail.com or my email address as we are currently out of the country and cannot take calls.
3 replies
65 months ago
Vodacom customer care number doesnt work
YOur customer care number 082 135 or +27 82 135 only has 4 options and none of them are to speak witha consultant. This is ridiculous. I am currently out of the coutnry and have been trying to call you to activate my roaming on my cellphones but cannot come right. Please could you call me urgently to sort this out, my international number is +44 7833719423
2 replies
66 months ago
Tickets cancelled but you don't update me.
Very bad service. Your numbers dont work and your online system you ignore us. All my tickets are cancelled and you guys dont update me, answer emails. This is terrible service to say the least.
3 replies
68 months ago
Edgars Branded Shoes Disintergrate After A Month
Good day, I bought Stone Harbour Derby Lace-Up Sneakers SKU: **********0 on the 31 September 2020 making them less than 2 months old. Order #********** bought with my thank you card number: Within the first month the front of both shoes started coming off and the back rubber also started disintegrating. I have sent you a picture of the shoes. This is extremely poor quality and you people charged me R450 for the shoes that lasted less than two month. I request that you either credit me or replace the shoes. I did notify their customer care first but they decided rather to no respond. Well done to Edgars and their new management in a time when businesses really need support they treat customers this way.
0 replies
68 months ago
Edgars Branded Shoes Disintergrate After A Month
Good day, I bought Stone Harbour Derby Lace-Up Sneakers SKU: 35691530 on the 31 September 2020 making them less than 2 months old. Order #2000149750 bought with my thank you card number: Within the first month the front of both shoes started coming off and the back rubber also started disintegrating. I have sent you a picture of the shoes. This is extremely poor quality and you people charged me R450 for the shoes that lasted less than two month. I request that you either credit me or replace the shoes. I did notify their customer care first but they decided rather to no respond. Well done to Edgars and their new management in a time when businesses really need support they treat customers this way.
1 reply
69 months ago
Visions Property Manager Mari Treats Home Owners Like ***t
They shoudl receive a 0 rating but its not offered in Hellopeter. Our property management is Vision Properties but they are totally biased towards the likes of the Trustees that they cannot be unequivocally fair with the home owners. Both the property manager as well as the assist are very rude to deal with even though they are working and being paid by us the home owners. I am shocked at the bad service and out right rude attitude. Mari even said my comments were defamitory. My exact sentence was: “ Please note that Vision works for all home owners and not specifically for the interests of the trustees. You should have an impartial view point or in the next AGM I will bring this up and suggest a replacement.” This is a fair point to make as both her and her assistant immediately go on the attack. No where else would you see a service provider operate like this. Good thing is that they treat all home owners in the same fasion so there is a lot of dissidence created by them being polarised to the wims of the trustees, So It true that i will bring up the removal of Vision in the next AGM. I will send you the emails if required.
0 replies
71 months ago
FNB -COVID 19 Loans disapproved because they dont profit from it
Applied for a business covid 19 loan on the 37th July 2020. FNB dragged their feet for 8 days when they said it takes between 3-5 days to notify you of the outcome. I have full power of attorney over the business account and on the 8 day they inform me that they cannot speak with me they need to speak with the owner of the account. I give them the owners number and let then know on the 5 August that the owner will be available the whole day today the 6 August 2020. They never called. I feel that you are in direct contravention of the orders of the president that instructed banks to act with "a sense of urgency" as these loans are to pay staff, rental etc so that they can feed their families. They are not for holiday's, home renovations or for buying jet skis. Let me explain this process so that everyone is aware why there is only about 5% of the government guaranteed funds (Total is R200 Billion for business assistance) allocated so far to businesses (from May-July) as the banks don't make this clear as from the last speech from the President. The president has said that the banks cannot make any profit from these loans. and is only allowed to charge a fixed interest rate of 3.5% which will be stored for any future defaults by businesses. This creates a dilemma for the banks as they need to use their resources and funds to fund the loans and only once someone defaults do they use the 3.5% that they charged for interest. Once this is depleted they then request governments assistance. If FNB does did not follow strict credit measures they government holds them fully responsible for the loan amount. FNB is also 50% responsible for debt with the treasury also taking 50% responsibility. The reserve bank takes no responsibility for the debt. As you can see from the above why would FNB approve these loans. It doesn't make financial sense. They are not allowed to make profit from the loans but need to take 50% of the risk. In saying this the government and our president gave them the power and responsibility, in this time of need, to overlook profits and assist businesses in dire needs to support staff that need to feed families. I can tell you right now as Ive spoken to many businesses that got declined as well the banks care about the bottom line and that is it. we belong to a business group of 900+ members and have discussed this loan in depth. Not even 5% of them were approved for Covid 19 loan. Government needs to take decisive steps to force the banks to assist the people of South Africa or give that responsibility to companies that are willing to assist. Clearly FNB does not see the urgency in this matter. I will be taking this matter up further with the local muncipality as well the government with the assistance and support of all of the other businesses that were declined or who were just ignored. This is not how you treat people. Never mind your long standing and loyal clients, I have 4 accounts with you that will be closed within this month. Hope your profits were worth it at the expense of a nation in crisis.
2 replies
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11 (78.57142857142857%)