MM
Malcolm M
Active since Feb 2012
18
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0
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Reviews
18 reviews1 month ago
Hollard refuses to pay for Fridge that is damaged due to Power Surges in my area, Proof etc given.
Hollard refuses to pay for Fridge that is damaged due to Power Surges in my area, Proof etc given. Matter is logged with the NFO, however we stuck without a fridge Since January 2026. Read below you will be astonished of the loop holes and the type of assessors that are sent to peoples Homes. (Long Read). • We were asked to get a damage report by our Broker LRA, Fridge Care was nominated. We called them in an they assessed the fridge as well as tried to ragas it however it was discovered that the damage was far worse that a Regas. It is the compressor & PC board, and this was due to power outages in our area of which i have sent proof to my Broker. We have been experiencing power Dips since December until current all proof sent. We also have Surge Protector Plug as well as a DB. The fridge had to be opened to Assess, A leak detector must be placed into the gas pipe to find a leak if this was the case. The top casing must be opened to assess the PC Board. Fridge Care do not have Xray Vision Cameras that can detect faults. They worked for hours to assess and find the fault, whereas Hollard technician found the fault before they got in. • Had I have known that after the damage report was sent Hollard will send their own assessor, we would have not gotten our own assessment and we would have saved the R950,00 that we paid. Why reinvent the wheel. So, as per my Broker I was to obtain the damage report, to Obtain the damage report the fridge needed to be stripped etc. • When Hollard sent their Assessor obviously, they had seen that the fridge was opened prior and tested and assessed. This is a **** as they probably wanted a private assessor to open the fridge so when they come, they can reject the claim from the driveway knowing that a previous assessment was conducted and sent. • Why was the Hollard assessor not appointed first? We were asked to get our own and it is not like we got a roadside technician we got a professional business were Hollard’s assessor was previously employed. • "A refrigerator compressor not starting after a power surge is often caused by a tripped overload protector, a fried start relay, or a damaged main control board" Ask AI. • Fridge care spent 5 hours to assess the Damage how can Sagren come to a conclusion in 3 minutes, he did not come with a computer or AI or machines he came with his eyes and one *****driver. • AI Overview • A refrigerator compressor failure due to a power surge is a common insurance claim, particularly following load shedding or sudden power outages, where voltage spikes fry the compressor or its starting components. Insurance policies generally cover this damage under home contents insurance. • Hollard’s technician’s gauges reflect not read BECAUSE the gauge is not connected to anything. • Refer image below, obviously there will be a reading, The Claim Does Not State that the Fridge does not come on, it states it does not cool (Compressor and or PC Board) • A refrigerator compressor not starting after a power surge is often caused by a tripped overload protector, a fried start relay, or a damaged main control board" Ask AI. • Fridge care spent 5 hours to assess the Damage how can Sagren come to a conclusion in 3 minutes, he did not come with a computer or AI or machines he came with his eyes and one *****driver. • A refrigerator compressor failure due to a power surge is a common insurance claim, particularly following load shedding or sudden power outages, where voltage spikes fry the compressor or its starting components. Insurance policies generally cover this damage under home contents insurance. • All points above are valid, • This is a clear indication that a fridge of this model and year cannot face a compressor wear and tear or PC Board Malfunction. This is a case of power surge. • It is also a case of the insurer finding Loop Holes not to pay out a claim to be Frank. • The assessor has limited knowledge and it is evident as per their report. My Fridge (LG Double Door) started giving issues from the 12/01/2026. We contacted our Insurance Broker LRA who advised us that we need to get a damage report etc. In our area we have a reputable professional "Fridge Care". So we called them in an he assessed the fridge as well as tried to ragas it however it was discovered that the damage was far worse that a ragas. It is the compressor & PC board and this was due to power outages in our area of which i have sent proof to my Broker. We have been experiencing power Dips since December until current all proof sent. We also have Surge Protector Plug as well as a DB. So as per attached Damage Report it states the very same. Thereafter my broker advised that Hollard will send their own assessor. They assessor came looked at the fridge, fiddled a bit and left his name is Sagren, that is the only info i have of this assessor. This assessor Sagren used to work for Fridge Care as well (Just Saying). On the 26th January 2026 our broker advised that the claim is rejected and they waiting for the rejection letter. Today is the 03/02/2026 we still did not receive it. However we went he extra mile and got another opinion from another professional in the fridge industry (I cannot mention details), For a Compressor to pack up for a fridge this age it can only be from Power Surge which will trigger the PC Board and shot the Compressor. For the PC Board to Mal Function it can be from power surges. "A refrigerator compressor not starting after a power surge is often caused by a tripped overload protector, a fried start relay, or a damaged main control board" Ask AI. We asked for Sagrens damage report and the insure is not able to share. Fridge care spent 5 hours to assess the Damage how can Sagren come to a conclusion in 3 minutes, he did not come with a computer or AI or machines he came with his eyes and one *****driver. AI Overview A refrigerator compressor failure due to a power surge is a common insurance claim, particularly following load shedding or sudden power outages, where voltage spikes fry the compressor or its starting components. Insurance policies generally cover this damage under home contents insurance. I have 2 kids of one is a special needs child and now we have to live off cooler boxes because of Hollard and their assessor of whom can assess a fridge before opening it. Mind you i have had the same issue with my retaining wall, during the storms Hollard refused to pay up until date nothing has been received (2 Years Plus). The premium we pay compared to this service is out of this world, just like Sagren who can assess a fridge with his eyes. Dear Ombudsman please can you help us, we cannot be paying premiums and get turned down for legit claims. Thank You
1 reply
6 months ago
Camel Active with HOLES
Hi, I have been smoking Camel for 18 Years, recently i changed to Camel Active, and on this second occasion i purchased a carton from Makro, and almost every packet couple cigarettes have holes. I reviewed other comments and this is common. Refer to attached pictures. Regards Malcolm 0710853221
0 replies
7 months ago
Amount paid out
I have sent this email on the 4th September 2025 to no response : Dear UIF Representative, Re: Complaint regarding UIF payout amount I am writing to express my concern and disappointment regarding the payout amount I received from the Unemployment Insurance Fund (UIF) . After reviewing my payout statement, I noticed that the amount received was [R1432,76], which is less than what I expected. I believe that the payout amount is incorrect due to my contributions and salary bracket as well as the periods I have been contributing. I would like to request a review of my payout amount and request that the correct amount be paid to me. I would appreciate it if you could look into this matter urgently and take the necessary steps to correct the payout amount. Please contact me at 0710853221 or [malies.moses4@gmail.com] if you require any additional information. Thank you for your attention to this matter. Sincerely, Malcolm Moses
0 replies
7 months ago
Debiting my account 1 year after cancellation
I send a cancellation email in September 2024 it has been a year and i still get debited. I dont own or rent the property, I want my refund for 12 months this is day light *******. Invoice IR-95299 for DSS000678
159 replies
8 months ago
************** to Employee of ToysRus
As an employee, i even got a lawyers letter stating that i cant pose this on public platforms, BUT the truth must be told, we as employees and citizens have rites. Equal rites, Bosses cannot threaten us that they will through us of buildings and hit us. Dear Sir or Madam: This letter serves as a formal complaint regarding employment ************** I have experienced at Amic Trading ToysRus , located at Lion Match Building Umgeni Road, 5th Floor.. I believe I have been discriminated against on the basis of my Race, I am requesting that the Department Of Labor investigate my claim and take appropriate action to remedy this injustice. Here is a detailed summary of the events leading to this complaint: 1. 30.07.2025 - I was called by the head of finance Mr.Bradwin Oliver to come to a board room. When i got there, Anel Schofield (HR), Lushana Naidoo (HR) and a representative from SEESA was present. They advised me that my employment with ToysRus will be terminated with immediate effect. I was told to sign a SEESA form, was handed over the attached document. I was asked to take my belongings hand my laptop over to IT and exit the building without speaking to any staff members. I was also asked not to disclose of what just happened to any staff members. Bearing in mind that this business pouched me, Lushana Naidoo contaced me for this position. I was permanently employed, i have 2 Kids of one which requires special need, and then this. There was an announcement that the business is growing and bought over Toyzone (Email Attached). I further gathered that i was not the only victim and multiple staff members went through the same scenario Namely Indian and Blacks if not Only. 2. June 2025 The share holder (Director) Mr. Chris L****n called myself and 2 of my subordinated (Smangele Mhlongo and Schae Govender) along with 2 Buyers Rosanne Naido and Dylan Pillay. This was the most humiliating experience in my career. He wanted distribution costs of which i reported. He was unhappy with the percentage, he asked me Infront of everyone what **** am i smoking, Do i smoke Zol, am i High, If you do not reduce this cost i will **** you up and throw you off this 5th floor. I have attached copies of relevant documents that support my claim, including: 3. On one instant Anel Schofield went to the head of finance Bradwin Oliver to state that she is unhappy with my sweater, it is to bright and i should be sent home. · I am available to speak with an investigator to provide further information and documentation. Please contact me at your earliest convenience to discuss this matter. I can be reached at [0710853221] or malies.moses4@gmail.coml. Thank you for your time and attention to this serious matter. Sincerely, I followed routine and sent this to Toys Rus whistle blowing They response is up to six months, what ****, when i am a family man with kids. They state they for children yet employees have special need kids of which they feel nothing off. Regards Malcolm
1 reply
13 months ago
Momentum pension / provident fund lies and thrillls
@Malie:momentum pension fund and provident fund states 26 days then I got an email stating 26 days as per policy THEN Marry Ann from Momentum sent me an email stating 36 days I got it in writing, who changed the policy contract ? they are just keeping the funds to grow interest for their coperate gain. 😳
0 replies
14 months ago
Horrible service for claims
Hi Readers, I want to state my utter dismay with Momentum Funds at Work (Provident,Pension Fund), it has been a month since i am unemployed and i am still waiting for payment. There is no feedback yet i am sending emails and calling them continuously. it so happenes that this person is handling the claim, that person is handling the claim, you cant take that fund you cant do this or that,. This is utter BS as when its time to pay we have to when its time to claim there is an issue. I know there will be an automated message stating they will look into this matter and then vanish. MomentumFundsAtWork Email Acknowledgement; Reference Number: 345-44439692 Malcolm 0710853221
389 replies
18 months ago
Ombudsman Unfair Decision
Hi, I wish to share my dissatisfaction with the OMBUDSMAN for short term insurance. During the storms in January 2024 my boundary walls at my residence got badly damaged. I logged a claim with my Insurer immediately. The came to my home and assessed etc and all was good. Months went pass and there was no settlement, I took this matter up with the Ombudsman NFO, on a weekly basis I was following up and Hollard did not respond. 8 Months later Hollard responded with a rejection letter. The ombudsman sides with the insurer, however all my facts are in order. My insurer (Hollard) took 8 months to decline my claim after numerous emails. They even did not respond to the Ombudsman and yet the Ombudsman finds favour on their doggy rejection. We as the public are aware that insurers pay a fee to the Ombudsman however the Ombudsman should fight in our favour.
0 replies
20 months ago
HOLLARD AND THE OMBUDSMAN IN 1 TEAM RESIDENTS AND COMMUNITY ARE ******
This is now Scarier than we all thought it would be, Hollard is my short-term insurer for many years. Due to the storms in KZN (Twice) my vehicle and Boundry Walls got damaged. NFO Reference 0003903. The below matter was raised to the Ombudsman NFO - 0003903 as well. 7 Months later after much pressure HOLLARD INSURANCE responded with a rejection letter of which i contested with valid legit points as per Lucky from the Ombudsman Team NFO Hollard should have responded on the 22/08/2024 which is 8 Months later. Today being the 02/09/2024 9 Months later no one has responded. The scheme is the Insurer in this case HOLLARD or any similar insure pays the Ombudsman a fee and that is how the Ombudsman operates and survive, so for 9 MONTHS now non of these parties can settle my claim, so who is fooling who if both teams are batting for the same side. All feedback was responded with legitimate facts of which i assumed OUR fair ombudsman will see favour however null and void. Even if any individual, community, rich or poor Googles it clearly states : How long does an insurance company have to investigate a claim in South Africa? Insurance companies have 15 days after accepting the claim information to make a decision on it. That decision may include denying or accepting the claim. If they deny it, they must tell you why. If they accept it, that does not mean the insurance company will give you all of the compensation you have requested. Not responding to a claim can be seen as a breach of your insurance contract. This can lead to legal actions against you. Beyond the immediate financial implications, legal actions can harm your reputation, On the 13/01/2024 we experienced an unprecedented storm in the KZN region which damaged a lot of Individuals’ belongings. My building was also damaged as a result, in particular my Boundary Wall, which is on my property. The wall cracked all the way through as well as parted in some areas. Following this I lodged a claim with my insurer who appointed an assessor to verify and validate my Claim whom only came out on the 31st /01/2024. I provided all quotations for repairs as requested of which I will attach for your reference. When the assessor came out, he verified all the damages as well As went through the plans and engineers’ requirements. He advised me at that point that all was in order and the structure and the wall is as per specification. Bear in mind the wall was constructed +/- 25 years ago, when the property was developed. I purchased the house +/- 3 years ago. The report was sent to the insurer a month or more later, leaving me in a compromised situation. My concern is security and the safety of my family and neighbors with the wall in the current state, In a nutshell they looking and sorting after loop holes for them not to pay or repair. With my vehicle claim they paid out due to water damage from the same storm BUT the premium of my other vehicles went up by 50%. This was not an accident it was a natural disaster that occurred.
0 replies
21 months ago
Hollard insurance has more excuses than loop holes
WRITE A REVIEW Review of Hollard Insurance M Malcolm 8 reviews | Active since Feb 2012 14 Mar 2024 at 11:03 Claim Rejection On the 13/01/2024 we experienced an unprecedented storm in the KZN region which damaged a lot of Individuals’ belongings. My building was also damaged as a result, in particular my Boundary Wall, which is on my property. The wall cracked all the way through as well as parted in some areas. Following this I lodged a claim with my insurer who appointed an assessor to verify and validate my Claim whom only came out on the 31st /01/2024. I provided all quotations for repairs as requested of which I will attach for your reference. When the assessor came out, he verified all the damages as well As went through the plans and engineers’ requirements. He advised me at that point that all was in order and the structure and the wall is as per specification. Bear in mind the wall was constructed +/- 25 years ago, when the property was developed. I purchased the house +/- 3 years ago. The report was sent to the insurer a month or more later, leaving me in a compromised situation. My concern is security and the safety of my family and neighbors with the wall in the current state, In a nutshell they looking and sorting after loop holes for them not to pay or repair. With my vehicle claim they paid out due to water damage from the same storm BUT the premium of my other vehicles went up by 50%. This was not an accident it was a natural disaster that occurred. Unhappy customer Reply (8) Hollard Insurance’s reply 14 Mar 2024 at 14:40 Hello Malcolm Thank you for bringing this to our attention. We are sorry about the poor service experienced. Our Customer Resolution team is currently looking into this matter and will be in contact with you to address your dissatisfaction. Regards Hollard Insure Customer & Broker Experience team. Malcolm’s reply 25 Mar 2024 at 18:51 OK as per email received I should complain to hollard 1st, if no joy the contact the ombudsman. How do u contact Hollard when no one answers or reply to emails. They stated they will contact m3 in 5 days however nothing sufficed. Last week another heavy rain hit KZN and the damage to my wall has gotten worse. I would like to keep the correspondence on a public level so if any Fatalities, Injuries, loss of liability to others it is the onus of Hollard. As per attached no reply or answering of calls. Hollard Insurance’s reply 26 Mar 2024 at 08:19 Hello Malcolm Your message has been passed on to the complaints handler. Regards Hollard Insure Customer & Broker Experience team. Malcolm’s reply 16 Apr 2024 at 15:44 So as per my previous Complaints against Hollard and the safety around my family and neighbours, still no response. I called my Broker several times to no joy as they are are also waiting feedback from Hollard. This happened on the 13th of January 2024 today is the 16th of April 2024. HOLLARD CANNOT BE LOOKING FOR LOOP HOLES SO LONG AFTER IT TOOK THEM SOO LONG TO EVEN DO AN ASSESSMENT. MY BROKER LUANE RICHARDS AND ASSOCIATES ARE ALSO NOT GIVING ME FEEDBACK I HAVE TO CONTINUOUSLY CALL THEM. THIS IS NOW REDICULOUS. Malcolm’s reply 16 Apr 2024 at 15:44 Good Day LRA Team, So, over this long weekend I met with a few engineers some who are linked with insurance companies. Firstly, I would like to state that the below mentioned flaws are null and void, when Richard and his builder came to my home they assured me that the wall, material and specifications are of 100% Compliance and as per the plan, Richard himself stated that it is built solid. All plans etc tied up to what they saw. They also saw and commented on a well maintained wall/walls. So here are some facts about my current wall of which was built some 27 Years ago. Expansion joints shall be so provided that the necessary movement occurs with a minimum resistant at joints (So movement does occur and more with heavy storms etc) For Retaining walls, expansion joints spacing shall be a maximum of 32 feet on centres. (9.75 Meters) Over time, these slabs may move, expand, or contract due to temperature changes or ground settling. However, due to storms and floods these points move up to 3m or more thus determined by the storm or rain fall level. What transpired in our area including neighbours which was clearly shown to Richard is that damages by the peril caused a chain of events that naturally led to the resulting damage. My neighbours wall completely collapsed which fell in his back door neighbour’s property causing server damages, his insurer assisted with immediate effect. Richard viewed these damages as well. Expansion and contraction caused by extreme or fluctuating temperature, rain, soil conditions, earth movement, and the sheer weight of the building will cause your foundation to settle or move, which in turn cause your wall to collapse. Average expansion gaps on my spec of wall should be 14m apart. All workmanship maintenance and structure of my wall is withing every specification if not stronger. Hollard should be more customer focused rather than searching for loop holes not to settle. I trust all is in order above, my time obtaining quotes meeting engineers as well as their fees should also be settled. Kind Regards Hollard Insurance’s reply 16 Apr 2024 at 16:14 Hello Malcolm Thank you for bringing this to our attention. your message has been forward to the complaints handler. Regards Hollard Insure Customer & Broker Experience team. Malcolm’s reply 11 Jul 2024 at 09:50 From the 13/01/2024 as per my original complaint, Hollard has not yet paid out only excuses received. They are not even responding to the ombudsman. As mentioned my home structure was damaged due to the storm and yet no sympathy or settlement has been received. Who is the next person I should go to ? Can someone please advise me. Regards Malcolm Malcolm’s reply 17 Jul 2024 at 14:13 So HOLLARD responded to the ombudsman saying that they did not recieve the notification of this claim. HOWEVER from the date i lodged this claim the asked fpr extensions to respond. Further to that they say its and IT error that they did not recieve the emails, if thats the case how were they asking for extensions to respond. The lies is continuous leave alone the loop holes. People are suffering due to the lack of claim settlement especially due to natural disaster. Add your reply Bold Italic Bullets Numbers Public reply Private reply REPLY NOW Please note that your reply will be displayed publicly and must comply with Hellopeter’s local content guidelines. 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