EXTREMELY BAD SERVICE,BLACK CUSTOMERS TREATED LIKE ANIMALS!!!!

ABSA as a company has really shown me that as a black person I am nothing,that my business that they are handling is no value to them and that they are at liberty to do absolutely anything without following procedure not are they regulated by anyone or anything.In other words ABSA can do anything to anyone in whichever way they want.I have been dealing with ABSA Trust for so long in a back and forth rancid attempt to get right this never ending and painful situation.And I am tired, dejected and despondent but because the business that ABSA is dealing with affects my family, directly and acutely,I can never sit back and say nothing and hope that one day something positive will come out of this interaction because it won't.

Below I will address the points of contention and EXTREME concern and make clear why I have such a major issue with how ABSA has undertaken this estate.I have also taken the liberty to attach the formal responses that they have given to me.These responses are not the only communication that they responded with and sent to me but just portion of what they have said to me regarding my queries and the issues I directed to them,all the communication is there in the many communications we have had.It has been MONTHS trying to conclude this matter,MONTHS,all this is beyond reprehensible and deplorable how a company like ABSA,that has been dealing with my parent's money issues for more than 50 years now and when one is need of assistance, when proper and prompt service is required from ABSA then they turn around and appreciate that loyalty with massive amounts of revolting disregard and disdain.Why should we as black people be treated like garbage,like we are of no consequence,of no value.No man,this is not on,this is not right!

1) ATTENDING TO OVERVIEW OF THE COMPLAINT:

Firstly,below Mareese Joseph,who is the appointed executor by ABSA has really taken my breath away on how inefficient she has been,on how she and her manager,Sherine Jansen can say one thing on a separate occasion and stand by it as the gospel truth and change their tune the about the same issue.MISLEADING A CLIENT AND MISREPRESENTATION of a product or a service especially within the financial services provider space is a very serious matter ,there is legislation like FAIS ACT AND TCF for a reason.

The reason why I am saying that is because for instance if you look at the email communication below,Mareese Joseph IN WRITING,as the executor of my late mother's estate says that the Master of the High Court hasn't given any feedback regarding the challenges of co-owning the inherited property with the other heir.All that is a fabrication and is untrue as it should be evident,I have had VERY REGULAR interaction with all the relevant representatives of the Master of the High Court to expedite the conclusion of this estate as like it has been mentioned,it has a very direct and acute effect on my life and especially my family's life.In the email communication below (and others), the Master of the High Court confirms that that there is nothing like that sent from ABSA,I even specifically explained in full detail the impact and consequence of what is happening and how it affects everybody concern but for some reason it seems fitting for ABSA to do this to me.

She even went to the extent of telling me,SEVERAL TIMES, that a certain Mrs Jansen after having have specifically made the request that consent for Section 47 of the Administration of Estate Act 66 of 1965 be requested by the Master of the High Court that she-Mrs Jansen, is awaiting feedback for that.I mean how do you await feedback for something thing that was NEVER done in the first place.This is BLATANTLY MISLEADING a client.Defying regulations like TCF where it says,Treating Customers Fairly (TCF) is an outcomes based regulatory and supervisory approach designed to ensure that regulated financial institutions deliver specific, clearly set out fairness outcomes for financial customers. Regulated entities are expected to demonstrate that they deliver the following six TCF Outcomes to their customers throughout the product life cycle, from product design and promotion, through advice and servicing, to complaints and claims handling:

Customers can be confident they are dealing with firms where TCF is central to the corporate culture Products & services marketed and sold in the retail market are designed to meet the needs of identified customer groups and are targeted accordingly Customers are provided with clear information and kept appropriately informed before, during and after point of sale Where advice is given, it is suitable and takes account of customer circumstance Products perform as firms have led customers to expect, and service is of an acceptable standard and as they have been led to expect Customers do not face unreasonable post-sale barriers imposed by firms to change product, switch providers, submit a claim or make a complaint.

2) APPOINTMENT OF ON MY FATHER'S ESTATE

Now this particular aspect is particularly disconcerting and infuriating because I have had exhaustive and incessant interactions with ABSA FOR MONTHS now telling them that they would have to unwind my father's estate as by virtue of doing that, they would be doing the right thing, eliminating any possibility of unjust enrichment towards any of the heirs stated on my mother's last will and testament and also being able to provide the prompt parity that is encumbent upon ABSA especially in light of the Liquidation and Distribution account.ABSA told me,IN WRITING,through several of their representatives especially through their executor (their emails are attached),Mareese Joseph that they don't need to unwind my father's estate.This communication is formally sent in PDF format to a client,I have attached it as well but those attachments are not the only place where they IN WRITING formally stated that they do not need to do my father's unwinding of his estate even when I INSISTED AND REITERATED COUNTLESS TIMES in several exhaustive emails.I have also enquired by the Master if the High Court's office by physically going the several times and via email whether I am able to shorten the process and get the letter of authority amended to my name so that I may give ABSA power of attorney as they advised but I was unsuccessful as that would require me to round up these two people that I do not have a relationship with to get to nominate a person who the letter of authority would be amended to,as has previously explained one I have a rancid relationship with and the other I don't even know her or where she lives.It has been explained that there is an acrimonious relation between me and the other heir (as it does tend to happen in the instance of inheritance) where she wants full custody and control of the property and I am totally excluded from it's benefit,whereas I have legal interest in it and it is HIGHLY PREJUDICIAL to me,let alone legally prejudicial to me.All this ABSA has been informed of it,all the steps ,the detail and the challenges.ABSA even sent a NEXT OF KIN AFFIDAVIT for me to sign and for it to be couriered back to them after finding out what transpired when I tried to get the letters of authority amended by the Pretoria Master of the High Court's office.To top it off,there are provisions within the law that take such situations into perspective and assist in alleviating and remedy the unnecessary stress that comes with such situations like Section 47 of the Administration of Estate Act 66 of 1965.

The other major aspect here is that I INSISTED AND REITERATED that how can my mother who was 70 years at the time in 2010 when the letter of authority was issued provide a value of R120 000.00 and that value be taken at face value when considering matters that important like in the unwinding of an estate as that value has a material impact on the outcomes of the estate.I emphasized the fact that ABSA required an approved/qualified appraiser or evaluator just as was the case for mother's estate .When property has to be valued in a deceased estate, it is normally done by an appraiser but for whatever reason ABSA INSISTED that the value on the letter of authority was correct,all that is on the attached document and on other emails/in writing. Appraisers are appointed for specific areas by the Minister of Justice and Constitutional Development in terms of section 6 of the Administration of Estates Act no. 66 of 1965.All of this was cast aside and disregarded all along,it is in the email attachments and other email communication from them which I have.

Now MONTHS down the line after having have been given INCORRECT ADVICE,MISLEADING ME AND MISREPRESENTING FACTS formally and repeatedly,ABSA wants to turn around and then change their tune as if it is of no consequence and state that the value of the estate is over R250 000.00 and the nominated executor will have to lodge a bond of security for the full value of the assets.All of this coming out now,way after the Liquidation and Distribution account has lain for inspection and ABSA sought the approval of the Master of the High Court then after.Meaning that in their submission to the Master of the High Court,all relevant and material aspects of the estate were were not fully undertaken and completed.In other words ABSA got the approval of the Liquidation and Distribution and the subsequent cash distribution without all material facts being given to the Master if the High Court.Now all sorts of terms and conditions arise MONTHS down the line,even after been made aware of and alerted of several key components that are part and parcel of the estate,now ABSA wants to come and do this to me.What is that,it is as if ABSA as a company has separate rules that apply to them when coming to the Administration of Estate Act,and they can decide to do whatever and say whatever, whenever.I mean when ABSA says in writing that the value of the Este is unknown when they when I asked them SEVERAL TIMES about my father's estate and potential monetary impact,they said that my father had nothing else but the joint ownership of the property.Also to determine my mother's share ,my father used to bank with ABSA and it was encumbent upon them that at the time of death what assets did my father have whether pecuniary or otherwise as that is material to ascertaining what my mother could bequeath as they were married in community of property and upon separation through death or from that moment all of what was in his name was supposed to be considered whether it was withdrawn and spent ,from immidiately subsequent to the time that the Liquidation and Distribution for my mother's estate is being done.

3) CONCLUSION

From what ABSA is doing they want to absolve themselves from liability as if all all due diligence was app****,that is definitely not the case.ABSA HASN'T UNDERTAKEN TAKE FIDUCIARY DUTY efficiently and/or sufficiently as is encumbent on them in light of what has transpired with this late estate.With this happening to me,I really wonder how many of our black people are going through similar experiences and for how long,even though their business is administered by ABSA.With all these new cost revelations that are recently divulged by Mareese Joseph as the executor for ABSA, whose responsibility is it supposed to be after having have clearly and repeatedly made them aware of countless aspects of this estate initially and a long time ago and they refuted them only to later come back and say that the same things that I informed about are now an irrefutable necessity and I need to comply if ever we need to conclude matters.Who's liability is it supposed to be,who's life is it supposed to impact,who is supposed to suffer as from I am standing it looks like it is me that supposed to suffer and that's that. To top it off,I have from day one, IN WRITING ,stated that receiving prompt feedback is crucial to ABSA regarding my mother's estate as I am the client and the heirs on my my mother's estate should be notified of any pending or live action that needs to app**** as ABSA is dealing with our money and our property.I have gotten quite the opposite of that,every decision that ABSA taken I have been informed way after the fact,even if I expressed very lucidly that I need to know what decisions are being taken and why and I need to know promptly.These interactions are like a slave owner interacting with his slave.I have mentioned it a billion times...I am unemployed,I have a family and I have child.I have expressed this quite sufficiently to ABSA hence I have done everything in my power to expedite the conclusion of this estate.When ABSA is taking me from pillar to post because I am black and make me dance like house ***** in order to get supper,treating it like they doing their social responsibility to give us this money that is inherited from my parent/s and that is due to us is more than infuriating.WE DEPEND ON THIS MONEY ,AND IT IS OUR MONEY AND THIS IS OUR LIFE,IT IS NOT A GAME.My child has a CONSTITUTIONAL RIGHT to FOOD,SHELTER, EDUCATION etc.How do I give him any of that when there is constant shortage of funds,when we can't afford electricity or even the shelter that we are about to be evicted out of.When he cannot go to school as we cannot afford it or give him the food that needs in this cold winter weather.

I have proposed many relevant remedies for this particular or unique situation and I am tired and physically ill because of this, literally physically ill.I have even proposed that ABSA must proportionately pay out the residual money and this selling of the property would then be undertaken through the court system.Mainly because I am being prejudiced,I am homeless and I have a family whereas there is a property that belongs to me of which I own 50% share of but i can't access it and ABSA is reluctant on doing their job which is to ensure that that prescripts of my mother's are enacted and ensure parity.I am unable to pay the rent of where I live as ABSA is still witholding the residual money after Liquidation and Distribution where the Master of the High Court authorized the disbur*****t and/or distribution of the cash from the information that ABSA gave to the Master of the High Court to get the Liquidation and Distribution approved.I cannot explain how all this feels and how it is affecting us .I have to leave the rented place that I live at or be evicted with my family and for whatever reason I need to keep quite as I have no recourse,I just need to quietly go away with my family and my child to to be homeless wherever as long as ABSA has come to whatever revelation or reckoning whenever they have ,I must just stomach it and go and sort myself out somewhere somehow.

I need for this to be sorted out by the end of business today,it has lingered for so long that I have zero patience with all this.If you are not going to help with this matter by the end of today I will understand your position and I will take from there and escalate it further than this current position as I cannot stomach such any more.

Regards K Kekana