Legal Action despite UNEMPLOYMENT.

BROOKS & LUYT ATTORNEYS on behalf of ABSA BANK

RE: CREDIT CARD GA RAMEDIES ***

I REFER TO ALL THE SMS'S, EMAILS AND PHONE CALLS FROM ABSA'S CONSULTANTS.

I HAVE JUST RECEIVED A SMS SAYING THAT A LETTER OF DEMAND HAS BEEN ISSUED AND THAT SUMMONS IS TO COMMENCE ON MY CREDIT CARD.

I HAVE A PAYMENT IN PLACE ALREADY WITH MY ABSA CHEQUE ACCOUNT, SO I AM ALREADY MAKING A EFFORT TO MAKE A PAYMENT TO ABSA. I AM ALREADY TAKING THAT MONEY I RECEIVE FROM MY FAMILY TO BUY FOOD TO FEED MY FAMILY TO PAY ABSA SOMETHING EVERY MONTH VIA LGR INC ATTORNEYS - I STARTED THIS ARRANGEMENT THIS MONTH AND ABSA IS WELL AWARE OF IT. MUST I SELL MYSELF, MY WIFE OR MY KIDS OR MUST I ROB A BANK IN ORDER TO PAY MY OTHER TWO ACCOUNT WITH ABSA RIGHT NOW BEFORE YOU RUIN MY LIFE BY LISTING JUDGEMENTS? ABSA HAS ALREADY HAD THIS MONEY REINSURED, ABSA WILL NOT FOLD OR GO BANKRUPT IF WE DO NOT PAY THRM RIGHT NOW. WHY CAN'T YOU HAVE EMPATHY FOR PEOPLE AND BE PATIENT UNTIL I FIND DECENT EMPLOYMENT IN ORDER TO PAY ABSA BACK?

ABSA IS ALREADY AWARE OF THE FOLLOWING DESPITE HAVING INSURANCE ALL 3 OF MY ACCOUNTS.

PLEASE TAKE NOTE OF THE FOLLOWING:

*I HAVE BEEN UNEMPLOYED AS OF THE 25TH OF SEP 2019 - I RESIGNED DUE TO A MENTAL BREAKDOWN AND HAD T ATTEND A CLINIC IN ORDER TO GET WELL AGAIN. I HAVE SENT THE SICK NOTE AND PSHYCOHATRIC REPORT TO ABSA'S COLLECTIONS DEPARTMENT, BUT THEY JUST IGNORE IT. I HAVE EXPLAINED TO ALL THE CONSULTANTS WHO HAVE PHONED ME ON NUMEROUS OCCASIONS.

* I HAVE BEEN STRUGGLING TO FIND DECENT EMPLOYMENT FOR THE LAST YEAR AND 1 MONTH DESPITE APPLYING ON A DAILY BASIS, ATTENDING INTERVIEWS AND CONDUCTIONING ASSESSMENTS REGULARLY.

* I HAVE NOT BEEN ABLE TO PAY MY RENT FOR THE LAST 6 MONTHS, BUT MY LANDLORD HAS BEEN VERY UNDERSTANDING AND SYMPATHETIC DUE TO THE CIRCUMSTANCES WE HAVE BEEN THROUGH AND SHE IS AWARE OF HOW THE COVID-19 EPIDEMIC HAS AFFECTED EVERYONE FINANCIALLY.

* I HAVE NOT BEEN ABLE TO PAY ANY OF MY CREDITORS DUE TO BEING UNEMPLOYED. MY MOTHER-IN-LAW (PENSIONER) AND WIFE'S SISTER HAVE BEEN HELPING US WITH MONEY SO WE CAN AT LEAT EAT AND FEED OUT TWO KIDS. WE HAD TO SELL OUR CAR IN JANUARY OF THIS YEAR TO PAY OUR RENT AND OTHER DEBT. MY MOTHER IS CURRENTLY LENDING US HER VEHICLE SO I CAN ATTEND INTERVIEWS AND TAKE MY KIDS TO SCHOOL. THERE ARE DAYS WERE WE DONT HAVE ENOUGH MONEY FOR FOOD AND MONEY TO PUT PETROL IN THE CAR TO TAKE OUR KIDS TO SCHOOL.

* WE EXPLAIN THIS TO EVERY SINGLE CONSULTANT THAT CALLS ME EITHER FROM THE COLLECTIONS DEPARTMENT OR FROM THE NUMEROUS ATTORNEYS AND EXPLAIN THE SAME CIRCUMSTANCES R SITUATION TO ALL. THEY ASK IF WE CAN NOT MAKE A SMALL PAYMENT OR LEND THE MONEY FROM OUR FAMILY MEMBERS, BUT WE SERIOUSLY CANT A SOUR FAMILY IS ALREADY HELPING US TO BUY FOOD, PUT ELECTRICITY IN AND PUT PETROL IN THE CAR.

*I EXPLAIN THAT MY WIFE AND MYSELF ARE TRYING OUR HARDEST TO FIND EMPLOYMENT DESPITE THIS EPIDEMIC, AND THE DEFAULT LISTING PUT ON MY NAME ON MY ITC.

NOW YOU, ABSA WANTS TO PUT A JUDGEMENT AGAINST MY NAME DESPITE THE FACT THAT YOU ARE WELL AWARE OF THESE ABOVE FACTS AND SENT THEM ALL THE NECESSARY DOCTS O SUPPORT THESE FACTS.

MY POINT IS THIS: WE RESPOND TO ALL THE SMS'S, EMAILS AND CALLS - BUT YOU STILL CARRY ON WITH YOUR THREATS OF SUMMONS AND JUDGEMENTS. WHERE IS YOUR EMPATHY OR HUMANITY? YOU KNOW WE ARE STRUGGLING SO BADLY, YOU KNOW WE COMMUNICATE JUST ABOUT EVERY DAY WITH YOUR LAWYERS, AND MOST OF ALL YOU KNOW THAT A JUDGEMENT ON MY ITC WILL PREVENT ME FROM FINDING DECENT EMPLOYMENT TO TAKE ECARE OF MY FAMILY AND PAY YOU BACK? DO YOU WANT MY FAMILY OUT ON THE STREET - CAUSE THAT IS WHAT WILL OCCUR IF YOU CARRY ON DOING THIS.

I AM NOW BEGGING ABSA TO PLEASE REMAIN PATIENT AND POSTPONE TAKING THIS KIND OF LEGAL ACTION AS IT WILL JUST WORSEN MY CHANCES OF OBTAINING DECENT EMPLOYMENT PLEASE? WAIT TILL I HAVE EMPLOYMENT AND THEN I WILL MAKE CONTACT IN ORDER TO MAKE PAYMENTS ARRANGEMENTS PLEASE. HAVE SOME FELLOW FEELING - I KNOW THE PANDEMIC IS NOT AFFECTING YOU ABSA BUT ITS AFFECTING THE MAN ON THE STREET - WHICH YIU NEED TO TAK INTO CONSIDERATION.