YJ
Yolindy J

1 reviews | Active since Sept 2020

25 Sept 2020, 23:34

Credit report prescribed debt

I have noted that there is an account named Absa Credit Card which I have been listed for on my credit report.(listed since 2011). The account shows "active" but that the balance I owe is R0.00

Please note that I have not had any communication regarding any Absa credit card account and thus note that any account that Absa is calling about is dormant and has not been acknowledged in the past three or more years. Therefore, this account is prescribed and what you are doing is *******.

I have not acknowledged the debt in the past 3 consecutive years, either in writing or verbally, not made any payment towards the outstanding amount, nor have I promised to pay. No summons has been issued within the last 3 years. They are in contravention of the NCA Sec 126b. It states that no person may continue collection or re-activation of such prescribed debt as a prescription Act 68 of 1969 (Prescription Act).

Debt therefore prescribed and I'm not legally bound to repay such. I request this matter be closed and any negative information will be removed from my credit record. Should I receive any calls I will lay a complaint with the relative authorities, ie, NCR and LSSA.

Please attend to this matter at the soonest and email a Prescribed letter that this account is closed to ***.

0
Replies (1)
Absa
Absa's reply28 Sept 2020, 09:18
Official
Dear Yolindy Jordaan Thank you for bringing this unfortunate matter/incident to my attention and please accept my sincere apology . I will review and provide you with my specific contact details as well as the expected timeframe for further feedback/resolution via email or making contact with you telephonically within the next four hours .  The reference number to your complaint is C-***3 Kind regards,Rezona Louw Group Customer Care