MM
Malcolm M
Active since Feb 2012
15
Reviews
0
Industries
Reviews
15 reviews3 months 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
2 replies
8 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
9 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
9 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
3 replies
15 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
7 replies
20 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
21 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
26 months ago
Filled Petrol in my Diesel Vehicle
So as per below this happened on the 12th of April 2024,today is the 16th and i had no feedback. People like myself who only have 1 mode of transportation to get to work and take my kids to school have to suffer, yet Astron has not contacted me once i keep calling to no joy. Good morning, On Friday the 12th of April 2024 I went to Astron Woodview to fill diesel in my vehicle (Toyota Fortuner ND667302). I drove home and felt the van jerking. On Saturday morning the van refused to start just swinging. I contacted a local mechanic who advised me that it's probably the battery. I went and purchased a new battery and still my van refused to start. As he further investigated to find out what the actual problem was he discovered that the van was filled with PETROL instead of diesel. I went back to the garage, spoke to the manager on site and showed her the sample of the petrol In a bottle of which she clearly agreed that it was petrol along with the other attendants. She further went to view the footage of my van filling and agreed that it was my vehicle. She only said take ur van to Toyota for a damage report. This morning I got the van to Toyota Umhlanga which is still with them. I would want you to advise me on the way forward. Thus far my spend is on battery, towing and the petrol that was filled. Once Toyota advises on the damage report this together with the attached mentioned will need to be reimbursed to me. The issue I have now is that I have no transportation to take my kids to school as well as get to my place of employment, I hope you have solution for this regard as well. I wait in anticipation for your response.
0 replies
27 months ago
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.
8 replies
68 months ago
TELKOM POOR SERVICE
I would like to share my dismay regarding a recent incident with Telkom. I took a contract for Home Wifi, which never worked, multiple service technicians and subcontractors which were from Telkom, however they all failed to get this wifi working. I went to Telkom to cancel my contract multiple times, Telkom refused. So they want me to pay them for something that does not work neither can they sort the issue out. This is ongoing from the 16th June 2020. All I want is for Telkom to Cancel this contract and STOP debiting me. Acc No. 122634313 - Order Num. 669710615. I am a pensioner and I would assume Telkom is taking advantage. Please assist me HelloPeter. Shanthie Moses 0783100995 shanthie64@gmail.com
0 replies
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