Active since May 2016
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85 reviews6 months ago
Unfair Refusal to Refund Oura Ring Activation Fee – Lack of Disclosure and No Cooling-Off Option
I’m extremely disappointed with how Discovery Vitality has handled my recent Oura Ring benefit activation. I paid the R999 activation fee through the Discovery app, but at no point during the activation process was it clearly explained that activating the Oura Ring benefit would automatically make me ineligible for the Apple Watch benefit. The first time I saw this restriction (“only one fully funded benefit active at a time”) was after activation — in a WhatsApp message from Discovery. This is a material term that directly affects a consumer’s choice and should have been disclosed clearly and prominently before payment. Discovery has since refused to refund the “non-refundable” activation fee, even though this was based on incomplete and unclear information. I was also asked to provide an order number to log a query, but no such number was ever sent to me — further showing that some of Discovery’s processes are not functioning properly. I believe this approach goes against the spirit and provisions of South African consumer law, including: Section 22 of the Consumer Protection Act (CPA) – requiring clear, understandable information so consumers can make informed decisions. Section 16 of the CPA – granting consumers a five-day cooling-off period for electronic or direct marketing transactions. Section 44 of the Electronic Communications and Transactions Act (ECTA) – allowing consumers to cancel an online transaction within seven days of receiving goods or activating a service. The fact that Discovery refuses to allow any form of cancellation or refund, even immediately after activation, is unreasonable and inconsistent with these consumer protections. I’m requesting that Discovery refund the R999 activation fee and cancel the Oura Ring benefit in good faith. The lack of clear disclosure and the absence of a fair cancellation process make this an unfair consumer experience.
106 replies
6 months ago
Unfair Refusal to Refund Oura Ring Activation Fee — Lack of Disclosure and Breach of Consumer Rights
I recently activated the Oura Ring benefit through Discovery Vitality and paid the R999 activation fee. After activation, I discovered that by doing so, I automatically became ineligible for the Apple Watch benefit — something that was never clearly disclosed during the activation process on the Discovery app or website. I only learned about this restriction after the fact, via a WhatsApp message from Discovery. This is a material condition that directly affects a consumer’s decision to proceed, and therefore, it should have been disclosed clearly and prominently before any payment was taken. Discovery has since refused to refund the “non-refundable” activation fee, even though this lack of transparency means I did not provide informed consent. I believe this practice contravenes several provisions of South African consumer protection legislation, including: Section 22 of the Consumer Protection Act (CPA) – requiring information to be presented in a clear and understandable manner so consumers can make informed choices. Section 16 of the CPA – which provides a cooling-off period for transactions concluded electronically or as a result of direct marketing, allowing a consumer to cancel within five business days and receive a full refund. The Electronic Communications and Transactions Act (ECTA), Section 44 – which gives consumers the right to cancel an online transaction within seven days of receiving the goods or activating a service. The inability to cancel this benefit or obtain a refund within a reasonable period — especially when the implications were not properly explained — is unfair and inconsistent with these consumer protections. I respectfully request that Discovery refund the R999 activation fee and allow me to cancel the Oura Ring benefit, in line with good faith and South African consumer law.
0 replies
6 months ago
Oura Ring Activation Fee Unfairly Withheld Due to Poor Communication
I recently activated the Oura Ring benefit through Discovery Vitality and paid the R999 activation fee. However, it was never clearly communicated — either during the activation process or on the Discovery app — that activating this benefit would make me ineligible for the Apple Watch benefit. The first time I saw any reference to this restriction (“only one fully funded benefit active at a time”) was in a WhatsApp message from Discovery after I had already completed the activation and paid the fee. I find it unfair to label the activation fee as non-refundable when such key information isn’t made clear upfront. To make matters worse, I was asked to provide an order number to log a support query — but no such number was ever sent to me via email or the Discovery app. This makes it very difficult to resolve the issue through their official channels and suggests that some of their customer service processes are broken. In good faith, I am asking Discovery to reverse the activation or refund the R999 fee. I acted in good faith based on the limited and unclear information provided at the time of activation.
53 replies
7 months ago
Unfair Blocking of Vitality and Punitive Action for R364 "Missed Payment"
I am extremely disappointed with Discovery’s conduct in handling my account. Despite paying my credit card in full on 1 September, and with the accumulated balances between 1 September and 1 October still falling under the 55-day interest-free period, Discovery has blocked both my Vitality Money and Vitality profile. On top of this, they now require me to pay for my Apple Watch because of an alleged missed payment of only R364. This is unnecessarily punitive and unfair – especially since my card was settled and in good standing. To make matters worse, Discovery has reported me to the NCR, which will negatively affect my credit record. Discovery has not even comp**** with their own terms and conditions. According to their contract, if a client is in default, they must: Provide written notice and allow 10 business days to make good on the default, Offer the option to agree on a payment plan, or Refer the matter to a debt counsellor, ADR, consumer court, or ombud. None of these steps were followed. Instead, Discovery rushed to punitive action without adhering to their own contractual obligations. This behavior feels heavy-handed and completely out of line with both the NCA and Discovery’s stated policies. I find this treatment unacceptable, especially given my long-standing relationship with Discovery. I demand that: My Vitality Money and Vitality profile be reinstated immediately, My Apple Watch benefit be restored, The incorrect report to the NCR be withdrawn, Discovery acknowledge and correct their failure to follow their own terms. If not, I will have no choice but to escalate this to the relevant regulatory and consumer protection bodies.
106 replies
7 months ago
Months of Delays and Poor Repairs from Naked Insurance
It has been months since I lodged my claim with Naked Insurance, and my spare bedroom is still not sorted out. This has now put me in a very awkward position — I have guests coming over, yet the room remains unusable because the repairs are incomplete. The little work that has been done so far was of such poor quality that, with the very first rains of the season, water poured straight through into the newly repaired walls. Instead of solving the problem, it has left me worse off than before. What will it take to get this claim properly finalised? The delays, lack of quality control, and overall service are unacceptable, especially when a customer’s home is left in this state for months.
0 replies
7 months ago
Impossible to Cancel Insurance with Standard Bank
I have never experienced such unnecessary difficulty in trying to cancel an insurance product. Standard Bank makes it almost impossible to do something as simple as cancel a policy. None of their digital platforms (app, internet banking, email) allow me to complete the process, so I’m forced to phone in. When I call, I’m transferred multiple times between departments — in my most recent attempt, I was transferred four times before I even reached the right place. Each time, I had to explain my situation again, only to be placed on hold and wait for ages. What should be a quick and simple process becomes a long, frustrating exercise where it feels like Standard Bank is intentionally making it difficult for customers to leave. This is not acceptable customer service, and it leaves me with the impression that customer convenience is the last thing on Standard Bank’s mind.
53 replies
7 months ago
Changing a Debit Order Shouldn’t Be This Hard
All I wanted to do was change my home loan debit order details. After multiple calls, listening to a two-minute disclosure, authenticating in the app, and failing a couple of security questions, I’m now being told I have to go to a branch during banking hours just to verify myself. A simple task that should take minutes is being turned into a major ordeal. Completely frustrating and inconvenient—this is not what I expect from Standard Bank.
53 replies
10 months ago
******* Advertising and ************ by Just Property Heritage
I’m extremely disappointed in the conduct of Just Property Heritage. Signs advertising the franchise have been placed throughout Johannesburg in clear violation of the City’s Outdoor Advertising Bylaws — including on road medians and in locations that obstruct street signs and create safety risks. These signs were installed by a third-party company acting on behalf of Just Property Heritage, but that does not remove the franchise’s responsibility. If your branding is on the signage, you are accountable for where and how it is displayed. When I raised concerns about the *******ity of this signage, I was met with aggression from an individual representing the franchise, including verbal abuse and swearing. Instead of investigating or engaging constructively, Just Property's lawyers issued me with a cease and desist letter — an obvious attempt to intimidate me into silence for raising legitimate concerns about ******** and unsafe advertising. This approach — using ******* signage for exposure and legal threats to silence residents — is completely unacceptable and damaging to the Just Property brand. If the Heritage franchise wants to build goodwill in the community, they could consider contributing positively through park cleanups, bench sponsorships, or paving improvements, rather than flouting city laws and threatening residents. I call on Just Property Head Office to take accountability, investigate this matter urgently, and ensure their franchise network complies with the law and behaves ethically.
0 replies
13 months ago
Frustrating and Inefficient Claims Process at Bankmed
Dealing with Bankmed’s support staff for a chronic medication claim has been nothing short of frustrating. The inefficiency in handling attachments—specifically failing to open and properly review pathology results—has led to unnecessary back-and-forth, multiple calls from different consultants asking for the same information, and unnecessary delays. The automated decline process for complex medical cases is particularly concerning. These are not simple, black-and-white claims; they require proper human review. Instead of carefully considering the medical evidence provided, Bankmed’s system and staff seem to default to rejection first, adding unnecessary stress when all I’m trying to do is manage my health. Now that they have received and reviewed the relevant test results, there should be no further delay in approving my chronic medication. My biggest concern is that their drawn-out process might render my medical tests out of date, as they insist results must be within one month. If they continue to stall, I might be forced to redo the tests, incurring additional costs and delays. Bankmed seriously needs to improve its claims processing—starting with training staff to properly review documents before rejecting claims and refining their approach to complex cases to ensure that patients receive the care they need without undue stress.
53 replies
14 months ago
Unacceptable Delays in Stash by Liberty’s Transfer Process
I initiated a transfer from Stash by Liberty to another tax-free savings provider on 27 January 2025, after they introduced fees. Despite providing all necessary information, Stash has been dragging its feet in processing the request. The receiving provider has confirmed that they submitted everything required, yet Stash has failed to act promptly. The last email sent to Stash was on 19 February, and since then—silence. No updates, no progress, and certainly no sense of urgency. This kind of service is completely unacceptable, especially when dealing with customers’ tax-free savings. Transfers should be handled efficiently, not left in limbo for weeks. If you’re considering using Stash by Liberty, be warned—if you ever need to transfer out, you might be in for a long and frustrating wait.
53 replies
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84 (98.82352941176471%)