Promises

I am replying on emails my wife has sent to Hello Peter on the situation with Bayport. No email is been forwarded to me from my wife and or am I been contacted after the last review my wife placed on Hello Peter. At the end of this email I will give my point of view. From: Customer Service Hello ********** Date: Wed, Apr 10, 2019, 15:27 Subject: Hello peter complaint To: ********** **********

Dear Charmaine Engelbrecht We have noted the most recent complaint that you lodged on Hello Peter regarding the loan application for Mr. Corneluis Engelbrecht. We have reviewed Mr. Engelbrecht‘s latest loan application and unfortunately we are unable to assist him with another loan at this time. The primary reason for us not being able to extend credit to Mr Engelbrecht at this time is due to his affordability. As a responsible lender, Bayport needs to ensure that is does not over indebt consumers. We therefore need to comply with regulated affordability guidelines and adhere to our stated credit policy guidelines when reviewing all loan applications. As a Bayport customer we value the continued relationship we have Mr. Engelbrecht, but we need to stress that every loan application we receive will need to undergo the standard checks that we have, and the outcome will be determined by Mr Engelbrecht’s financial standing as well as if the application meets all our credit policy rules. We understand that you may be disappointed with this outcome, however we trust you will understand our stand point. We also note that in your complaint you mentioned that you received no response from Mpho Manamela. We’d like to sincerely apologies for this, and also advise that the reason why you received no response is that he no longer works in that department. Your complaint also alluded to ********** activity taking place with regards to a previous loan application. We read with concern that in December last year you or your husband were offered a bribe to guarantee the success of an application. Such allegations are taken very seriously by Bayport, and we would appreciate it if you could provide us with more details in this regard. We have attached a ***** affidavit from that needs to completed and returned to us, so that we can initiate an investigation. Bayport is a registered credit provider, and complies with all regulatory laws that govern the credit industry. Bribery and ***** can, and will never be condoned by us, therefore it is important that you or your husband completes the ***** affidavit so that we can conduct a thorough investigation in this regards. We trust the above is in order First, I am going to start with the bribery. The loans were approved by the Vereeniging Bayport branch. They are the closest from us. Bayport must have all this in their system that tells them I am not suitable for a loan. My 1st loan cost me R2500.00 The 2nd loan R5000.00 The 3rd loan R2500.00 that I refused to pay. I was promised the big loan. Every time I am been told the next three months; I will get the big loan. Still I am trying to get the loan as I am been promised. This kept on going on until now. Every time when we try there are a different excuse. I am not putting this down because I am angry not for getting the loan, I am doing this because I am been promised a big loan. Then I can settle my others and still do what is needed with the rest of the money. That is why we were trying so hard. Every time we apply there are excuses. I am not working long enough, my, they don’t have my ID etcetera. My wife posted the excuses they give every time. When the problem keeps going, they do what they did now, that person is no longer in that department. Get a department that can be there for crying out loud. I have been running small loans waiting to be assisted by Bayport with the big loan. Every time different excuses. My wife lives on a small farm (Plot) with my two children. It takes me about two hours to get there if there are problems. I must beg other people to help them if there are a emergency. I must lick other people’s asses to get my children to school. I try to go home ones a month so I can get them groceries. We can’t just move for I don’t have the money. I am trying to get out of the ditch after I am been ****** by my overtime by previous workers. We are trying to get her a vehicle so that they can be at least mobile. My wife struggles to walk with the knee problems she has. She fell a couple of weeks ago hearting her knee more. I had to call neighbours to help her just up and get her to bed. It took about two hours before someone helped my wife. I ought a car and at the moment I am a wreck by the time I get home, because the person that sold it to me forged the licence disc. I am busy sorting that out for the disc is 3 years behind. The lady I am renting from at the moment helped me when I was unemployed, so I can’t just move for then I am kicking her teeth out. Therefore, we are trying for the loan by Bayport as they said I will get if I pay good. My app still shows I am in the rears of R2000.00 something after they told me it was an administrative problem. When I go home, we stay positive for Bayport said we will get the loan. My wife is handling the reviews and stuff for I work where I can’t use my phone a lot. I am not allowed to use it. By the time I get home it is late. I received a mail this morning at 06H01 “Dear Cornelius (Where my name is spelled right, not as in the email on top) Don’t forget to complete your Bayport online Application”. I am just ignoring it for I will be wasting my time. If the person is not working in that department any more why didn’t he just say that when he rep**** back to me. His words to me was I must wait tll the end of the month and then he can assist me by getting the loan. Now his suddenly not in that department. Why saying all that to me. Now the system has a problem helping me, but the previous ones not. Then they must have two systems. I am running small loans to get through for I am waiting for Bayport. Now they kick my teeth in. That is why we keep on trying for we take Bayport up on their word.