Avbob Failed to Pay for a Claim

Hello Peter

Please help me, I need your help with regards to Avbob Funeral Policy. On the 24th August 2018 I was on my way to Sanlam while i was passing at Eloff and Kerk Street in JHB CBD, I got stopped by the guy he introduced his name as Mkhululi and he works for Avbob and I really saw the table and books. He convinced me to take their funeral cover and told me about their benefits if it happened we want them to do the funeral in the event of death. I ended up taking the policy for my mother Noninala Mdyarho and the late Nowintoni Nomvano Ngxoni. I told the adviser they can start deducting the money in September 2018, they didn't deduct, instead I received the SMS to say that I took the cover for R 360 for Noninala Mdyrho which is my mother and R 180 for Nowintoni Nomvano Ngxoni (late mother in law).

I immediately send him a whatsapp to tell him to correct that because I didn't say that. I took R 360 cover for mother in law and R 180 for my mother. He told me he is going t be in their office on Monday that's when he will be correcting the mistake. I asked him about deduction because there was no deduction as per I gave him a mandate of deducting in September 2018. I then decided to change and told him to cancel the R 360 for my mother in law then make it a R 180 as well. He then told me they only captured after the 15th of the month so that's why they didn't deduct in September. On the 3rd of October 2018 they took R 360 for Noninala, again I forwarded him an SMS and he rep**** by saying not to worry they will split that money for the 15th of October 2018 for Nowintoni Nomvano Ngxoni. On the 15th of October I noticed that there was a debit order for Avbob and they didn't get money, because I was instructed they are going to split from that R 360 they took on the 3rd of October 2018.

On the 15th of November 2018 Avbob deducted R 360, which means the R 180 for October and the R 180 for November, after November then the policy continued with the R 180 that I was agreed with.

Then my mother in law passed on 21st of March 2019, then I submitted the claims documents to Avbob, they told me that I cannot claim, because of hasn't finished 6 months waiting period of which I don't understand how, because I have paid 6 premiums, they asked me to sent the proof which I did sent, but they are refusing to pay.

We are taking these policies to bury our loved ones with dignity and respect, but i ended up in debt.