Unfair treatment

Good day

Am writing this email to lodge a complaint/dispute regarding my vehicle account. Below is the email I received.

My car has been repossessed by the bank on the 06/01/2025 . I contacted absa and was notified that I failed to pay a ballon payment on the vehicle. The amount went into arrears.

Earlier last year I received legal documents from attorneys regarding the arrears. I contacted them and arranged a payment plan and honoured it.

When dealing with attorneys I was not informed that the arrears are from my ballon payment, I was always under the impression that am still paying for the car. Absa also did not notify me in anyway that am due for ballon settlement. I also phoned the attorneys after the car was taken and informed them of what has happened. The lady who was always assisting me was also surprised of the ballon payment and the process taken . She also contacted the bank to find out .

I only learned after the car the was taken when I called in. I have not been received statements for past 12 months but I always thought that maybe the emails are blocked .

I don’t think that’s fair for absa to ambush me by taking the car without informing me that am due for ballon . My last payment on the car was first week of January 2025 ( please refer to my statement )

On the below emails it is stated that I need to pay an amount of R90,000.00 by the 20th of January. I don’t have that kind of money . I the bank notified me on time, I would have settled the account long ago.

Am deeply heart broken and unfairly treated as a client since 2017 having paid so much money on the car.

Please can you investigate the matter and update me.