NS
Ntshadi S
1 reviews | Active since Apr 2011
01 Sept 2021, 15:57
Overdraft Expired
I have an overdraft with Absa and still had about R50 000 available last night.This morning when I went onto the App to make payments to my creditors my available bal was R0.00. I called Absa and was assisted by Mogale.Mogale told me that the overdraft had expired. I asked him to send an email to my banker Jane Ledwaba. After getting off the phone with Mogale I decided to Call Jane myself. I spoke to her an she was going to request approval. By 15h00 there was no feedback yet so I sent her an email and she said she was still awaiting approval. What I dont understand is why did I not get notified that the Overdraft is about to expire . I have rent , salaries ,creditors to pay today, what am I supposed to do now. Already I'm receiving smses that debit orders are returning. How do you revoke my overdraft without notice.Who is going to be liable for the returned debit orders. I tried calling Jane just after 15h30 on her cell and at the office and I was told she had already left for home. I am beyond frustrated and dissapointed .
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Replies (4)
Absa's replyOfficial
02 Sept 2021, 09:19 Dear Ntshadi Sebotsane 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 by making contact with you telephonically within the next four hours. The reference number to your complaint is C-***9 Kind regards, Rezona Louw Group Customer Care
Best regards,
Absa's reply02 Sept 2021, 09:19
Official
Dear Ntshadi Sebotsane 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 by making contact with you telephonically within the next four hours. The reference number to your complaint is C-***9 Kind regards, Rezona Louw Group Customer Care
Best regards,
NS
Ntshadi S's updateReviewer Update
02 Sept 2021, 11:01Hi Rezona
I just received your email , Having to wait until the 6th of September is not good enough. I need to pay rent for my business ASAP , my vehicle debit will be going off on the 5th , most of my creditor's debits go off tomorrow. What am I supposed to do until then ? This matter should be treated as an urgent matter especially because I did not receive any notice of expiration of the overdraft if there any such . It's the first time I hear that an overdraft expires. Can you please get in touch with me on my cell number.
I just received your email , Having to wait until the 6th of September is not good enough. I need to pay rent for my business ASAP , my vehicle debit will be going off on the 5th , most of my creditor's debits go off tomorrow. What am I supposed to do until then ? This matter should be treated as an urgent matter especially because I did not receive any notice of expiration of the overdraft if there any such . It's the first time I hear that an overdraft expires. Can you please get in touch with me on my cell number.
NS
Ntshadi S's update02 Sept 2021, 11:01
Reviewer Update
Hi Rezona
I just received your email , Having to wait until the 6th of September is not good enough. I need to pay rent for my business ASAP , my vehicle debit will be going off on the 5th , most of my creditor's debits go off tomorrow. What am I supposed to do until then ? This matter should be treated as an urgent matter especially because I did not receive any notice of expiration of the overdraft if there any such . It's the first time I hear that an overdraft expires. Can you please get in touch with me on my cell number.
I just received your email , Having to wait until the 6th of September is not good enough. I need to pay rent for my business ASAP , my vehicle debit will be going off on the 5th , most of my creditor's debits go off tomorrow. What am I supposed to do until then ? This matter should be treated as an urgent matter especially because I did not receive any notice of expiration of the overdraft if there any such . It's the first time I hear that an overdraft expires. Can you please get in touch with me on my cell number.
Absa's replyOfficial
02 Sept 2021, 16:11 Dear Ntshadi Sebotsane Thank you for bringing.
We will provide you with feedback as soon as our investigation is concluded.
Kind regards, Rezona Louw Group Customer Care
We will provide you with feedback as soon as our investigation is concluded.
Kind regards, Rezona Louw Group Customer Care
Best regards,
Absa's reply02 Sept 2021, 16:11
Official
Dear Ntshadi Sebotsane Thank you for bringing.
We will provide you with feedback as soon as our investigation is concluded.
Kind regards, Rezona Louw Group Customer Care
We will provide you with feedback as soon as our investigation is concluded.
Kind regards, Rezona Louw Group Customer Care
Best regards,
NS
Ntshadi S's updateReviewer Update
01 Oct 2021, 08:29Hi Rezona ,
Exactly a month later and I'm still waiting for feedback on the above matter. My overdraft was reinstated on the 5th or 6th if my memory serves me well. My banker Jane Ledwaba then asked me to send some documentation and fill out an application form for finance which I did and sent to her on the 8th Sept. I see my overdraft contract expires on 1 Nov 2021. This means at the end of this month of October I will find myself at the same predicament that I was at 30 days ago. On the 13th Sep I sent Jane an email for her to confirm if she received the forms and documents. I did not receive any response from her. I called on the 14th to speak to Jane and I was told she was not in. I called again on the 15th and was told she was sick .I waited until 21 Sept to check on Jane again , she was in but was seemingly busy because she did not answer her line . I left a message with the lady who usually answers the phone , she's the same lady who had told me she was sick the week earlier , so I asked her to make sure she gets my message and she agreed . Jane never returned my call. I sent another email later on the 21 informing her that I had tried to call her and left a message for her. She responded to my email saying she will call me however she has received my documents and has sent them for review. To this day Jane has not gotten in touch with me.
What is the point of having a banker who does not respond to any of my calls and emails.I thought bankers were supposed to provide financial advice and assist resolving financial issues .Mind you when my overdraft was cancelled , no one cared to notify me I woke on the 1st of September 2021 to a bank account with zero available balance. Surely it can not take over 30 days to address this issue.
Exactly a month later and I'm still waiting for feedback on the above matter. My overdraft was reinstated on the 5th or 6th if my memory serves me well. My banker Jane Ledwaba then asked me to send some documentation and fill out an application form for finance which I did and sent to her on the 8th Sept. I see my overdraft contract expires on 1 Nov 2021. This means at the end of this month of October I will find myself at the same predicament that I was at 30 days ago. On the 13th Sep I sent Jane an email for her to confirm if she received the forms and documents. I did not receive any response from her. I called on the 14th to speak to Jane and I was told she was not in. I called again on the 15th and was told she was sick .I waited until 21 Sept to check on Jane again , she was in but was seemingly busy because she did not answer her line . I left a message with the lady who usually answers the phone , she's the same lady who had told me she was sick the week earlier , so I asked her to make sure she gets my message and she agreed . Jane never returned my call. I sent another email later on the 21 informing her that I had tried to call her and left a message for her. She responded to my email saying she will call me however she has received my documents and has sent them for review. To this day Jane has not gotten in touch with me.
What is the point of having a banker who does not respond to any of my calls and emails.I thought bankers were supposed to provide financial advice and assist resolving financial issues .Mind you when my overdraft was cancelled , no one cared to notify me I woke on the 1st of September 2021 to a bank account with zero available balance. Surely it can not take over 30 days to address this issue.
NS
Ntshadi S's update01 Oct 2021, 08:29
Reviewer Update
Hi Rezona ,
Exactly a month later and I'm still waiting for feedback on the above matter. My overdraft was reinstated on the 5th or 6th if my memory serves me well. My banker Jane Ledwaba then asked me to send some documentation and fill out an application form for finance which I did and sent to her on the 8th Sept. I see my overdraft contract expires on 1 Nov 2021. This means at the end of this month of October I will find myself at the same predicament that I was at 30 days ago. On the 13th Sep I sent Jane an email for her to confirm if she received the forms and documents. I did not receive any response from her. I called on the 14th to speak to Jane and I was told she was not in. I called again on the 15th and was told she was sick .I waited until 21 Sept to check on Jane again , she was in but was seemingly busy because she did not answer her line . I left a message with the lady who usually answers the phone , she's the same lady who had told me she was sick the week earlier , so I asked her to make sure she gets my message and she agreed . Jane never returned my call. I sent another email later on the 21 informing her that I had tried to call her and left a message for her. She responded to my email saying she will call me however she has received my documents and has sent them for review. To this day Jane has not gotten in touch with me.
What is the point of having a banker who does not respond to any of my calls and emails.I thought bankers were supposed to provide financial advice and assist resolving financial issues .Mind you when my overdraft was cancelled , no one cared to notify me I woke on the 1st of September 2021 to a bank account with zero available balance. Surely it can not take over 30 days to address this issue.
Exactly a month later and I'm still waiting for feedback on the above matter. My overdraft was reinstated on the 5th or 6th if my memory serves me well. My banker Jane Ledwaba then asked me to send some documentation and fill out an application form for finance which I did and sent to her on the 8th Sept. I see my overdraft contract expires on 1 Nov 2021. This means at the end of this month of October I will find myself at the same predicament that I was at 30 days ago. On the 13th Sep I sent Jane an email for her to confirm if she received the forms and documents. I did not receive any response from her. I called on the 14th to speak to Jane and I was told she was not in. I called again on the 15th and was told she was sick .I waited until 21 Sept to check on Jane again , she was in but was seemingly busy because she did not answer her line . I left a message with the lady who usually answers the phone , she's the same lady who had told me she was sick the week earlier , so I asked her to make sure she gets my message and she agreed . Jane never returned my call. I sent another email later on the 21 informing her that I had tried to call her and left a message for her. She responded to my email saying she will call me however she has received my documents and has sent them for review. To this day Jane has not gotten in touch with me.
What is the point of having a banker who does not respond to any of my calls and emails.I thought bankers were supposed to provide financial advice and assist resolving financial issues .Mind you when my overdraft was cancelled , no one cared to notify me I woke on the 1st of September 2021 to a bank account with zero available balance. Surely it can not take over 30 days to address this issue.