Super Horrible service from Siphamandla

I am writing to warn other consumers about the predatory and ********* collection practices at African Bank, specifically involving Doreen Phooko and Siphamandla Langa.
Instead of adhering to the statutory in duplum rule (Section 103(5) of the NCA), which requires a transparent audit and refund of overcharged interest and fees, these two individuals have attempted to push a "settlement offer" to avoid their legal obligations. Offering a settlement to bypass a legal refund is a massive red flag and shows a complete lack of professional integrity.
Doreen Phooko and Siphamandla Langa are operating in bad faith, attempting to coerce a consumer into signing away their rights rather than complying with the National Credit Act. Their behavior is dismissive, deceptive, and a disgrace to the banking industry. If you are dealing with these two, do not accept their "offers", demand your full statutory rights.

My ello peter, you are so ******** and quick to reply. I'ts Hello Peter! To protect me from what? The refund that Doreen and Siphamandla dont want to process or from you Flagging my profile? If you want to Identify me, go to the clueless Doreen and tell that I said she must give you my details. She knows everything and has a final say with regards to who is liable for a refund or not akere. Tell miss clueless Doreen Phooko to give you what you want okay and stop wasting my time.

What did did you do Exactly???? You are not sorry and theres nothing unfortunate. Whats unfortunate is your ignorance and not being able to resolve a simple complaint.

What decision is that? Not treating the customer fairly?

Thanks for the script, but let’s be transparent: Your 'response' was another attempt to bypass the statutory in duplum audit with a random settlement offer and a demand for a phone call to avoid a paper trail. I have already provided my ID&V via email. The NCR (Section 139 referral) is already on this case. Stop 'noting' my posts and start 'refunding' the overcharged interest as mandated by the National Credit Act. I will confirm receipt when the audit and the refund hit my account. Not before.