Unauthorised Debit Order

I am writing to formally lodge a complaint regarding unauthorised debit orders processed on my bank account in relation to my ABSA Vehicle Finance account.

It has come to my attention that an additional debit order of R524 has been deducted from my account, separate from the agreed monthly vehicle instalment. I did not authorise, consent to, nor was I informed of any additional debit order beyond the contracted monthly instalment.

Furthermore, upon reviewing my bank statements, I have identified that in December 2025, ABSA Vehicle Finance appears to have debited my account twice for the monthly instalment, resulting in an over-deduction.

These transactions were processed without my permission or prior notification, and therefore constitute unauthorised debits. This is both concerning and unacceptable, particularly given the regulatory obligations placed on financial institutions with respect to debit order authorisations and consumer protection.

I hereby request the following: 1. A full and immediate refund of: • The unauthorised R524 debit order(s); and • The duplicated monthly instalment debited in December 2025. 2. A written explanation detailing: • The basis on which the additional R524 debit order was initiated; and • How the duplicate debit in December 2025 occurred. 3. Written confirmation that no further unauthorised debit orders will be processed on my account.

Should this matter not be resolved promptly and satisfactorily, I will have no alternative but to escalate the issue to the relevant consumer protection bodies, including the Banking Ombudsman and other appropriate regulatory authorities.

I trust that ABSA will treat this matter with the urgency and seriousness it warrants. I look forward to your written response and confirmation of refund within a reasonable timeframe.