DebiCheck Breach & Regulatory Non-Compliance

I am extremely concerned about what appears to be serious regulatory non-compliance and governance failures by this bank. An unauthorised DebiCheck debit order of R9,179 was processed against my account without my approval. This is not just a service issue , it is a breach of the very purpose of the DebiCheck system. DebiCheck was introduced by the South African Reserve Bank and the Payments Association of South Africa specifically to prevent unauthorised debit orders and requires that the account holder electronically authorises the debit order with their bank before it can be processed In addition, regulatory directives governing the national payment system require that a valid mandate must be authorised by the payer before any debit can be processed Despite this: No DebiCheck authorisation was requested or approved by me No mandate was confirmed through my bank Yet funds were still deducted This indicates a clear breakdown in controls and non-compliance with payment system regulations. Furthermore, my leave pay, which was legally due within 7 days of 11 December 2025, remains unpaid over 3 months later, adding to the concern around compliance and governance within this organisation. This situation reflects exactly the type of issues currently highlighted in the media around: Regulatory breaches and reporting failures Corporate governance and oversight concerns Weak internal controls and compliance gaps I request urgent intervention to: Refund the unauthorised DebiCheck amount of R9,179 Pay my outstanding leave pay in full Ensure no further unauthorised deductions occur This matter will be escalated to the relevant regulatory authorities if not resolved urgently. Consumers should be aware - DebiCheck exists to protect us, and when banks bypass it, it defeats the entire regulatory framework designed to prevent abuse.