Sneaky sales and non-existing service

I took out a peronal loan from ABSA recently. During the process I was not informed that they added cedit life to the loan, I was merely informed the payment per month will be x amount which I accepted.

When I got my 1st statement I noticed that R280 for credit life was included in the premium. I immediately contacted the consultant and expressed my dissatisfaction as I have had numerous loans prior and never took out credit protection as I have ample life insurance. She first told me it is mandatory, which I disputed and if so they were required to inform me accordingly when applying. I mentioned that on their website when calculating a personal loan, you had the option to tick the box or leave blank for credit life. After consulting with her supervisor I was informed they would cancel the credit life if I could offer a life policy as security, which I promptly did. I received confirmation from the branch that the credit life was canceled and at the end of the month even received a refund of the policy premium.

To my surprise of course, the next month they just continued to deduct the credit life. I immediately sent a mail to the branch querying this. I was totally ignored although I received a read receipt. After giving the branch 5 business days to rectify the matter, nothing happened. I then did a customer complaint on ABSA website and on 2 November received a computer response stating that I will receive a personal response within 48 hours. Guess what. Nothing to date.

So ABSA sells you something you do not need without informing you and then ignores you when you ask for it to be resolved.