1 reviews | Active since Mar 2018
I wish I could put a negative rating!!!
I wish I could put a rating in the negatives.
Wednesday 18 November 2020 19:05 I started an application for a loan. This was approved pending supporting documents. I submit my bank statement that very night with the intention of submitting the rest the following day.
Thursday 19 November 2020 08:00 "Hello. Thank you for your African Bank credit application." Henceforth I shall refer to this sms phrase as "HTFUAB". In this message I was short ID, Bank statements, payslip. When I got to work I uploaded these documents on the https://online.africanbank.co.za/upload website. 11:15 same day "Hello. African Bank has received your and still await your bank statement with 3 deposit amounts, ID Doc, Payslip/salary advice, Proof of residence." I call shortly after receiving this message and tell them that I just submitted those documents less then an hour ago. I was told that it is from the day before.
Friday 20 November 2020 12:00 "Hello. African Bank has received your Payslip/ salary advice and still await your bank statement with 3 deposit amounts, ID Doc, Proof of residence." I scan each item individually and name them as such so that it can easily be seen what is what and proceed to upload them again.
Sunday 22 November 2020 09:45 "Hello. Some of your African Bank credit application documents are missing or unclear. Please email your bank statement, ID, Proof of res." Same day I get a call from a lady who works documents at African Bank. I have left out her name. She asks me to e-mail her a transactional bank statement as that is the only thing left outstanding in my application. I send it to her e-mail address.
Tuesday 24 November 2020 11:45 Missing or unclear again. Bank statement, ID, Proof of res. I got to African Bank at Attlyn centre. Was helped by a lady. She checked my documents and after struggling to scan them eventually sent the whole pack through. I asked if the bank statement was fine for proof of residence and she said it was fine.
Wednesday 25 November 2020 09:15 African Bank has received ID, Payslip and still await proof of residence. I call in and am told that the message is for the Monday submission of documents. There is currently a backlog which is why Tuesday's submission has not been checked as yet.
Thursday 26 November 2020 12:15. Another message for proof of address. No mention of ANYTHING ELSE OUTSTANDING OR MISSING OR UNCLEAR. It just so happens that on that same day 10:29 I figured what do I have to lose if I send the bank statement with an explanation that I would like it to be used as proof of residence. I call in after receiving that message and ask what or where must I send the proof of residence to be accepted. I am once again told about the backlog and that I should e-mail it.
Friday 27 November 2020 07:45 "Thank you for your documents. We are finalising your credit application and will contact you soon." In my e-mails I also find "We’ve received all your documents and we’re assessing your application."
Saturday 28 November 2020 13:45 "We’ve noticed there are still documents outstanding, which we’ll need before we can complete your credit application. Please send us the following documents as soon as possible: Additional document 1" What the hell is an Additional document 1? Where the F*$# am I supposed to sus out what that is let alone where to get it. 14:15 now an sms comes saying missing or unclear. E-mail Bank statement, ID, Payslip, Proof of Resdidence.
Please someone explain to me how the hell I go from we received all your documents to submit additional document 1 to everything is missing or unclear???? Why can you not assign a single person to deal with my case with whom I can follow up with, get explanation as to what is outstanding and NOT HAVE TO WAIT FRIGGING 10 DAYS TO FIND OT THAT I HAVE BEEN WASTING MY ****** TIME AND RESOURCES ONLY TO BE TOLD THAT I HAVE NOT SUBMITTED A DAMN THING!!!!
What is the way forward? Application number ***
Thanks for responding to me 4 DAYS after submitting my review.
Tuesday 01 December 2020 I once again call the call centre. The lady I spoke to was very apologetic for the treatment I had received thus far. She said that she would escalate the matter further and that I should receive a call shortly.
Wednesday 02 December 2020 between 08:00 and 09:00 I received a call from an individual saying that he is from African Bank. He told me that my application had been approved but at a reduced amount to the sum that I was originally quoted. +/- R22 000.00 reduced. I was informed that payment would be made within the next 2 days.
Thursday 03 December 2020 08:36 I received another call from African Bank. This time it was in response to my Hello Peter post. I was informed that my application had expired and that I would have to re-apply. I was told that the quote expires 7 days after the initial application. If that was the case then the quote expired on Tuesday 24 November 2020. Yet Wednesday 02 December 2020 I was called and accepted a quote.
I was informed that the quote had expired on Thursday 03 December 2020 yet on Wednesday 02 December 2020 it was active and ready for disbur*****t. Above and beyond that I was told that the money would no longer disburse as the quote has expired THROUGH NO FAULT OF MY OWN DOING!!! I had been calling and uploading documents since the first day of my quote yet the quote has expired. I requested answers but was told that they do not possess such answers. Instead I would be urgently called by a supervisor for client services to finalise another application and answer any questions that I may have. It is 21:55 at night and I have not received a single call. The urgency of African Bank is astounding. A person makes commitments based on commitments that African Bank made to me.
Thanks for responding to me 4 DAYS after submitting my review.
Tuesday 01 December 2020 I once again call the call centre. The lady I spoke to was very apologetic for the treatment I had received thus far. She said that she would escalate the matter further and that I should receive a call shortly.
Wednesday 02 December 2020 between 08:00 and 09:00 I received a call from an individual saying that he is from African Bank. He told me that my application had been approved but at a reduced amount to the sum that I was originally quoted. +/- R22 000.00 reduced. I was informed that payment would be made within the next 2 days.
Thursday 03 December 2020 08:36 I received another call from African Bank. This time it was in response to my Hello Peter post. I was informed that my application had expired and that I would have to re-apply. I was told that the quote expires 7 days after the initial application. If that was the case then the quote expired on Tuesday 24 November 2020. Yet Wednesday 02 December 2020 I was called and accepted a quote.
I was informed that the quote had expired on Thursday 03 December 2020 yet on Wednesday 02 December 2020 it was active and ready for disbur*****t. Above and beyond that I was told that the money would no longer disburse as the quote has expired THROUGH NO FAULT OF MY OWN DOING!!! I had been calling and uploading documents since the first day of my quote yet the quote has expired. I requested answers but was told that they do not possess such answers. Instead I would be urgently called by a supervisor for client services to finalise another application and answer any questions that I may have. It is 21:55 at night and I have not received a single call. The urgency of African Bank is astounding. A person makes commitments based on commitments that African Bank made to me.