NO ASSISTANCE FROM ABSA

I have a personal loan with Absa. Recently I have encountered some financial difficulty and I requested a restructure on my loan instalment. I was asked by ABSA to provide my income and expenses which I gladly provided as well as my proof of income.<br> <br> I received a response stating that my request was declined. When I called to query, the consultant, Phindile, stated that my request was declined as my expenses exceeded my income. This is the reason I requested the restructure in the first place. If my income exceeds my expenses there is no need to request a restructure as I could afford to pay the full instalment.<br> <br> Absa is making excuses not to assist their clients. They offer these services under false pretence giving clients hope but neglect to inform their clients of the criteria for qualification. I have been a client with Absa for almost 20 years and this disregard and false tactic needs to be addressed at the highest level.<br> <br> AVAF have been extremely helpful in this regard. Why is personal loans different?<br> <br> I request to speak to a senior ranking official at Absa to rectify this and assist me.<br> <br> Vikash Kalika