It's futile working with African Bank in arrears.

Trying to work with African Bank on arrears is trying to literally get water out of a rock or trying to run into a brick wall.

Unfortunately circumstances got the better of me and I fell substantially behind on my accounts,

Debt Review wasn't a option as I was not declared over indebted by a court of law, which means I am suitable able to pay accounts however just not catchup the almost R100 000 arrears on my loan.

On many occasions I've reached out to African Bank asking for a respread of the arrears and a term extension wherein I can comfortably pay a higher installment over a term, but they just blatantly refuse.

Best is that in the two years that I've been in arrears, African Bank has never issued a Section 129, Proving beyond reasonable doubt that they're accepting the arrears, I've asked for managers to call me to discuss this never happens or transpires, I've asked for the respread and get told it doesn't exist with them, I've been told nothing can be done other than pay the R100K, which well is obviously not feasible.

I've not once not admitted I owe African Bank said money, I'm trying to be reasonable and responsible here to ensure it's caught up and I can only do this with the banks assistance, which they don't offer. It's pretty pathetic to think that they accept the arrears as it is.

Well, instead of me going to an attorney and needing to fight them through acts, legislation etc and claim back costs, it's simpler just not to pay them which isn't what I want to do then they will be forced to issue a 129, then I can ignore that too because it won't mean anything and then subsequently they will play into my hand and issue a summons to court and this is where it will play in my favor with all the emails, calls, documents and hellopeter.com posts where I've begged and pleaded for them to work with me. What they don't realize is that with me admitting my accounts and reaching out to them to work with me will also play in my favor in a court of law and the Magistrate will then ultimately just force them to respread the account whereas instead of going that way they can just freaking do it now, get payment, clear the arrears and we're on a merry way.

Please don't get me wrong, African Bank was there for me when I needed funds and appreciate it greatly, I'm not intending on defaulting but they're not working with me forcing me to default to get them to court, I admit I owe them but circumstances leading up to the arrears which was legit life of death matters was more important to me then than paying accounts.

For the love of all good things, I just cannot understand what the issue is to actually work with your consumer that is admitting to the accounts, that wants to pay but just cannot for the love of all good things catchup R100K arrears. It just seems that the consultants don't care and don't escalate to management unless management just doesn't care.

Oh well I've tried and tried I guess African banks position is to meet the consumer in court and just loose the battle at the end of the day.

Thanks for nothing African bank - See you in court soon.