Overcharged on Vehicle account for Expired Policy and No Accountability afterwards

I was overcharged by ABSA Vehicle Finance for over a year, thinking I was paying for a service plan, tyre plan, and scratch-and-dent cover. This insurance cost me approximately R900 per month.

When it was time to service my car, the Innovation Group informed me that my policy had actually expired a year ago, meaning I was not covered all along. Despite this, ABSA continued to debit me every month for a policy that no longer existed.

I contacted a consultant who managed to reduce my installment, but my main issue remains unresolved: my car is still not serviced, and no one at ABSA Vehicle Finance is willing to take accountability or reimburse me for the months I was wrongfully charged.

This is unacceptable and feels like a complete disregard for customer trust. I expect a full refund for the period I was charged for a lapsed policy so that I can get my vehicle serviced as originally agreed.