NB
Nicolette B

1 reviews | Active since Apr 2017

06 May 2019, 14:19

Unfair credit listing after paying one day late due to miscommunication

Regarding account ********** 005. I've been with African Bank for years. As a single parent there have been tough times and I could always depend on African Bank to provide me with the much needed loan for education, emergencies and even a times food for the month. yes there has been times when I've been behind in payments due to tough times but I always ensured that i pay it up to date the minute I am able. Things have improved for me and i am eventually on my feet. In February this year I was offered the opportunity of a 30% discount if I paid my 2 African Bank accounts in full. Even though it would take my entire bonus I jumped at the opportunity as I have been working hard to improve my credit score in order to buy my first home at the age of 44 :). So on 25 Feb I receive a settlement later stating that I have until 15 March to make the full payment. On chatting to a consultant it was confirmed that I was ok as long as I paid everything in full by the 15th. Because I was still unsure, I rather decided to still make a normal payment on the 1 March as well (note that this is 1 day late) cause I was too scared of being labelled a late payer even though I was paying in full and doing an early settlement. Up to then I have been paying well and even paying a bit extra at times. I was really working on building my credit score. Just to find out that African bank has now penalized me by noting me as skipping a month?! Normally you only list a month late if someone pays after the 6th? I have been liaising with African bank for 2 months now and even though the store manager at Tygervalley Felicia Haricombe-Sait was beyond sympathetic and helpful this couldn't be resolved. Even my statements show that I was paying well for the past year already, I am still now listed as a late payer. My statement doesnt even indicate a late payment! Now you can argue on a technicality of one day but really African Bank? I have been a loyal client. I thought listings are used to indicate bad payers, not to unfairly disadvantage a client who pays ONE DAY late due to a misunderstanding between client, consultant and a letter received indicating payment is only due 15 March?? My dream of eventually applying for a home loan has to be put on hold due to a very unfair listing... Please African bank....does this seem reasonable and fair to you. Is there nobody who can assist me in this please? I will still support African bank as the service has been good. I am just confused as to why you are treating your customers in this unfair manner and listing me as a late payer when in actual fact I settled my account months earlier than the contract. Regards, Nicolette Beams

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Replies (2)
African Bank
African Bank's reply06 May 2019, 15:44
Official
 
Thanks for speaking up and calling us out. We'd like to call you and listen to your concern in detail, but we can't get hold of you. Please give us a call on ***so that we can get to the bottom of this. 

We hope to talk to you soon. 

Your African Bank Support Specialist team 
African Bank
African Bank's reply10 May 2019, 12:51
Official
 
Thanks for speaking up and calling us out. We'd like to call you and listen to your concern in detail, but we can't get hold of you. Please give us a call on ***so that we can get to the bottom of this. 

We hope to talk to you soon. 

Your African Bank Support Specialist team