DISHONESTY IN THEIR DEALINGS,

1. Initiated claim for retrenchment benefit on the 11 October 2022 at 10:33, email addresses as follows: a. *** b. *** (As received by Incredible Connection) c. *** d. *** 2. I confirm that I have received numerous read receipts pertaining to the above mentioned. 3. On the 13th October, *** sent a mail to *** at 09:00am 4. On the 21st October 2022, I sent another email due to ZERO feedback on the claim, in breach of your own terms and conditions, to *** and *** stating that I have NOT received feedback in respect to this claim, 5. Your terms and conditions state that it will take 2 business days to furnish feedback, a. My calculations indicate that from the 13th October to the 21st October is 6 working days. Already, I am being treated unfairly and unjust in initiating a claim. 6. 24th October, I send ANOTHER follow up mail to *** and *** stating I still have NOT received feedback. I confirm a multitude of delivery and read receipts to the same effect. 7. On the 27th October, I received a email from Hlengiwe Mudzudzanyi stating the following at 10:21 “Dear Claimant, claim ref AB-C-*** your insurance claim is incomplete for us to finalize it, We need arrears amount of R1615.63 to be paid at the store, account number ***. Any queries please urgently call ***Abacus Insurance” 8. Again, noting that the claim was brought to your attention on the 11th October 2022, and you only initiated and responded to the claim on the 27th October 2022 being a total of 12 working days, yet again in breach of your very own terms and conditions, and values so lived by. 9. I respond shortly after to Hlengiwe, asking the following at 10:32am “Kindly advise which month this arrears amount refers to” 10. At 10:49, I received a call from Hlengiwe on phone number *** stating that the debit order has gone through and that the account is up to date and that the claim is approved, I still disputed this with her and she said no the debit has gone through, the claim is approved, I responded to her asking if I will get a letter confirming the same, she confirmed that I will indeed attain a letter confirming the approval, I responded asking how long this will take, only to be told that the department is busy and depends on their work load, a. The call lasted 2min and 14seconds. 11. Having believed that this is indeed true, and taking your word for it as the insurance company, I left it at that, 12. On the 10th November 2022 at 16:00, Hlengiwe emailed me stating that the debit order did not go through, this after the telephonic approval and recorded call on my end, this is also after 11 days after approving the said claim, again in breach of your own terms and conditions and values, now understand that I am feeling very annoyed as it has already taken since the 11th October 2022 to the 27th October to actually attain a response, having engaged on a trust relationship with you I trusted that Hlengiwe is competent in her work and confirmations she has duly issued on behalf of Abacus Insurance, which has subsequently turned out to be contrary, 13. I engaged with Hlengiwe for further information on the 11th November to attain information and an explanation of which I am entitled to, only to be subsequently ignored, again, this is in acting in bad faith. 14. 14th November, I send your complaints department an email to *** , receive a read receipt and delivery but too am ignored and receive no response. 15. 16th November, I re engage with your complaints department, yet again read receipts but again ignored. 16. 21st November, I re engage with complaints department and Hlengiwe and you would only but guess that again I am ignored. 17. 22nd November, another engagement, with both complaints and Hlengiwe, and yet again I am ignored. 18. Only on the 23rd November 2022, does Lesego engage with me telephonically, whom is rather demanding and relatively aggressive on a call, until such time I return the aggression. 19. 24th November, Lesego emails me with the following persons in copy a. Grant Whitfield b. Phumzile Khubeka c. Sibongile Ndlovou None of the above mentioned engaged to ascertain the problem, despite a trail of emails, Lesego further states that the letter will be generated on the 2nd of December, repudiating the claim Claim officially repudiated on the 28th November 2022, 4 days prior to the expiration date. Again showing Abacus does not engage in ethical practice. 20. On the 25th November, Lesego Motoa, Compliance Officer, Stated that the call recording has been requested, once they have had the opportunity to listen to the same and assess what was communicated, they will advise accordingly, this clearly has not happened and no feedback was furnished, this is a clear cut indication that either: a. Lesego as the compliance officer, has *********ly and blatantly **** to have me as a client go away and shut up. b. OR Lesego has listened to the call recording and determined that Hlengiwe as the claims officer has not been compliant in her duties, approved the claim on the recording and has decided to hide this fact, despite me being in possession of the same and has thought that it would be easier to repudiate the claim prematurely to have the matter taken up further as a delay tactic.

It is clear that Abacus insurance is acting in bad faith, has been biased in my claim and has subsequently not adhered to the required regulations, further to this, it is evident based on the facts stipulated above that Abacus, will, prematurely repudiate a claim and not adhere to their own set timelines, indicating that Abacus further wishes to conduct business in an ********* and unorthodox manner,

Abacus promotes their values and integrity, prominently, however does not adhere to these either,

The consultants are not engaging in an ethical manner. Including the compliance department as such. And as a client, who engages to resolute the matter amicably, you are ignored for Abacus to set their own ways and wills to suite themselves.

ABACUS COMPLAINTS DEPARTMENT REFUSED TO REMEDY, INVESTIGATE OR RESOLVE THE MATTER IN THE TIME FRAMES AND HAVE FORCED ME TO GO TO THE OMBUDSMAN, DELAYING THE CLAIM FURTHER,