TL
Thabo L
1 reviews | Active since Nov 2017
12 Mar 2018, 12:44
Crazy interst
HI
My name is Thabo, I app**** for a capfin early last year as i wanted to assist my sister with university reqistration. I got the loan and four five months down the line my contract ended. I missed the payment on July as i was not working and Capfin didnt call me but was called by Easton Berry and they said, they are calling on behalf of Capfin. Okay they told me capfin didn't receive my instalment and i agreed. They futher requested me to make an arrangement with them. I did that. I make a arrangement and i was making payment on atm since august 2017 and at that time the balance was 8600 and something. Today i requested for my statement as they don't send one. i was shocked that my loan is still on 7300 after 7 installment made to their account. I called them and they charged me for calling them. i asked as they are interest on one month more than 3 interest they charge. i don't get it and i just want an clear explanation as i asked how much is my arreas so i can paid and get back the account on debit with pep/capfin as they were deducting initial. Thandeka the lady i spoke to said to me they can't put back the account back to capfin/pep as they handed the account to them. i have the statement and all the interest make no sense. they charged me 596 and they say is a once off interest which i don't get as i didn't look for the they are representing pep/capfin why they charge me that.
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Replies (3)
Capfin's replyOfficial
12 Mar 2018, 13:41Hello Thabo Lebepe
Thank you for writing to advise us of your concerns. We regret any inconvenience caused.
Your matter is a priority for us and is currently receiving our full attention. We will contact you soon.
Kind regards,
Customer Service
Best regards,
Capfin's reply12 Mar 2018, 13:41
Official
Hello Thabo Lebepe
Thank you for writing to advise us of your concerns. We regret any inconvenience caused.
Your matter is a priority for us and is currently receiving our full attention. We will contact you soon.
Kind regards,
Customer Service
Best regards,
TL
Thabo L's updateReviewer Update
20 Mar 2018, 11:35hello Peter
this is what they sent me as my staement and it shows nothing that i understand. since last year july paying them and still the same. i can't other email sent to me from the stating that i still have to pay them for the next 18 months and you were CC on it pls forward me the email as they will charge me for calling them and sending me the email again.
see below
From: Thandeka Biyela
Balance Sheet
Client : Capfin
Matter No. : ********** 5
DEBTOR name : THABO LEBEPE
Easton-Berry Collections Pty Ltd
Tel no. : ********** 299 | Fax no. : ********** 349 | Email : **********
Vat no. : ********** 068 | Reg no. : ***
2017/05/26 Capital ' R 8691.52 R 8691.52
2017/05/30 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 8.57 R 8700.09
2017/06/12 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 27.86 R 8727.95
2017/07/08 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 55.72 R 8783.67
2017/07/09 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 2.14 R 8785.81
2017/07/14 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 10.71 R 8796.52
2017/07/28 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 30.00 R 8826.52
2017/07/30 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 4.28 R 8830.80
2017/07/31 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 2.14 R 8832.94
2017/07/31 Payment Direct Deposit DD: CARDLESS CASH DEP ATM SC KTN( 9.75 ) DEPOSIT NO : ********** 5 CONTACT : ********** 067 TakeOn_ ********** 3 R 500.00 R 8332.94
2017/08/15 Interest INTEREST ON R8,332.94 @ 9.000% TakeOn_ ********** 3 R 30.82 R 8363.76
2017/09/05 Interest INTEREST ON R8,363.76 @ 9.000% TakeOn_ ********** 3 R 43.30 R 8407.06
2017/09/11 Interest INTEREST ON R8,407.06 @ 9.000% TakeOn_ ********** 3 R 12.43 R 8419.49
2017/09/27 Interest INTEREST ON R8,419.49 @ 9.000% TakeOn_ ********** 3 R 33.21 R 8452.70
2017/09/29 Interest INTEREST ON R8,452.70 @ 9.000% TakeOn_ ********** 3 R 4.16 R 8456.86
2017/10/01 Payment Direct Deposit DD: CARDLESS CASH DEP ORMONDE AS( 9.75 ) DEPOSIT NO : ********** 5 CONTACT : ********** 067 TakeOn_ ********** 6 R 500.00 R 7956.86
2017/10/01 Interest INTEREST ON R8,456.86 @ 9.000% TakeOn_ ********** 6 R 4.17 R 7961.03
2017/10/09 Interest INTEREST ON R7,961.03 @ 9.000% TakeOn_ ********** 6 R 15.70 R 7976.73
2017/10/31 Payment Received TC199370 Direct Deposit DD: CARDLESS CASH DEP ORMONDE AS( 9.75 ) DEPOSIT NO : ********** 5 CONTACT : ********** 067 [Direct Deposit] R 500.00 R 7476.73
2017/10/31 Collection Commission (VAT Incl) ' R 57.00 R 7533.73
2017/10/31 Interest ' R 31.36 R 7565.09
2017/11/14 DCA Fee Fee Transfer C3/AJS prior 16/10/52411 R 590.52 R 8155.61
2017/11/23 Fee for sending SMS message ' R 2.85 R 8158.46
2017/11/23 Fee for sending SMS message ' R 2.85 R 8161.31
2017/11/23 Fee for sending SMS message ' R 2.85 R 8164.16
2017/11/23 Telephone call made on ********** 067 ' R 20.52 R 8184.68
2017/11/29 Fee for sending SMS message ' R 2.85 R 8187.53
2017/11/29 Telephone call received ' R 20.52 R 8208.05
2017/11/30 Fee for sending SMS message ' R 2.85 R 8210.90
2017/11/30 Payment Received TC202592 Direct Deposit DD: CARDLESS CASH DEP ORMONDE AS( 9.75 ) DEPOSIT NO : ********** 5 CONTACT : ********** 067 [Direct Deposit] R 500.00 R 7710.90
2017/11/30 Collection Commission (VAT Incl) ' R 57.00 R 7767.90
2017/11/30 Interest ' R 58.40 R 7826.30
2017/12/11 Fee for sending SMS message ' R 2.85 R 7829.15
2017/12/14 Letter sent by e-Mail: ********** ' R 20.52 R 7849.67
2017/12/30 Fee for sending SMS message ' R 2.85 R 7852.52
2017/12/31 Interest ' R 59.93 R 7912.45
2018/01/02 Payment Received TC206340 Direct Deposit DD: CARDLESS CASH DEP ORMONDE AS( 11.00 ) DEPOSIT NO : ********** 5 CONTACT : ********** 067 [Direct Deposit] R 500.00 R 7412.45
2018/01/02 Collection Commission (VAT Incl) ' R 57.00 R 7469.45
2018/01/26 Payment Received TC208342 Direct Deposit DD: CARDLESS CASH DEP ORMONDE AS( 11.00 ) DEPOSIT NO : ********** 5 CONTACT : ********** 067 [Direct Deposit] R 500.00 R 6969.45
2018/01/26 Collection Commission (VAT Incl) ' R 57.00 R 7026.45
2018/01/30 Fee for sending SMS message ' R 2.85 R 7029.30
2018/01/31 Interest ' R 56.55 R 7085.85
2018/02/27 Fee for sending SMS message ' R 2.85 R 7088.70
2018/02/27 Payment Received TC212242 Direct Deposit DD: CARDLESS CASH DEP ORMONDE AS( 11.00 ) DEPOSIT NO : ********** 5 CONTACT : ********** 067 [Direct Deposit] R 500.00 R 6588.70
2018/02/27 Collection Commission (VAT Incl) ' R 57.00 R 6645.70
2018/02/27 Interest Adjustment ' R 0.28 R 6645.98
2018/02/28 Fee for sending SMS message ' R 2.85 R 6648.83
2018/02/28 Interest ' R 48.92 R 6697.75
2018/03/12 Telephone call received ' R 20.52 R 6718.27
2018/03/12 Letter sent by e-Mail: ********** ' R 20.52 R 6738.79
2018/03/12 Letter sent by e-Mail: ********** ' R 20.52 R 6759.31
2018/03/12 Interest To Date R 19.83 R 6779.14
2018/03/12 Outstanding Commission R 495.00 R 7274.14
* Denotes Non-balance affecting transactions.
This email was generated by Excalibur, Futuresoft's Debt Collection Management System. Visit www.futuresoft.co.za
TL
Thabo L's update20 Mar 2018, 11:35
Reviewer Update
hello Peter
this is what they sent me as my staement and it shows nothing that i understand. since last year july paying them and still the same. i can't other email sent to me from the stating that i still have to pay them for the next 18 months and you were CC on it pls forward me the email as they will charge me for calling them and sending me the email again.
see below
From: Thandeka Biyela
Balance Sheet
Client : Capfin
Matter No. : ********** 5
DEBTOR name : THABO LEBEPE
Easton-Berry Collections Pty Ltd
Tel no. : ********** 299 | Fax no. : ********** 349 | Email : **********
Vat no. : ********** 068 | Reg no. : ***
2017/05/26 Capital ' R 8691.52 R 8691.52
2017/05/30 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 8.57 R 8700.09
2017/06/12 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 27.86 R 8727.95
2017/07/08 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 55.72 R 8783.67
2017/07/09 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 2.14 R 8785.81
2017/07/14 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 10.71 R 8796.52
2017/07/28 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 30.00 R 8826.52
2017/07/30 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 4.28 R 8830.80
2017/07/31 Interest INTEREST ON R8,691.52 @ 9.000% TakeOn_ ********** 3 R 2.14 R 8832.94
2017/07/31 Payment Direct Deposit DD: CARDLESS CASH DEP ATM SC KTN( 9.75 ) DEPOSIT NO : ********** 5 CONTACT : ********** 067 TakeOn_ ********** 3 R 500.00 R 8332.94
2017/08/15 Interest INTEREST ON R8,332.94 @ 9.000% TakeOn_ ********** 3 R 30.82 R 8363.76
2017/09/05 Interest INTEREST ON R8,363.76 @ 9.000% TakeOn_ ********** 3 R 43.30 R 8407.06
2017/09/11 Interest INTEREST ON R8,407.06 @ 9.000% TakeOn_ ********** 3 R 12.43 R 8419.49
2017/09/27 Interest INTEREST ON R8,419.49 @ 9.000% TakeOn_ ********** 3 R 33.21 R 8452.70
2017/09/29 Interest INTEREST ON R8,452.70 @ 9.000% TakeOn_ ********** 3 R 4.16 R 8456.86
2017/10/01 Payment Direct Deposit DD: CARDLESS CASH DEP ORMONDE AS( 9.75 ) DEPOSIT NO : ********** 5 CONTACT : ********** 067 TakeOn_ ********** 6 R 500.00 R 7956.86
2017/10/01 Interest INTEREST ON R8,456.86 @ 9.000% TakeOn_ ********** 6 R 4.17 R 7961.03
2017/10/09 Interest INTEREST ON R7,961.03 @ 9.000% TakeOn_ ********** 6 R 15.70 R 7976.73
2017/10/31 Payment Received TC199370 Direct Deposit DD: CARDLESS CASH DEP ORMONDE AS( 9.75 ) DEPOSIT NO : ********** 5 CONTACT : ********** 067 [Direct Deposit] R 500.00 R 7476.73
2017/10/31 Collection Commission (VAT Incl) ' R 57.00 R 7533.73
2017/10/31 Interest ' R 31.36 R 7565.09
2017/11/14 DCA Fee Fee Transfer C3/AJS prior 16/10/52411 R 590.52 R 8155.61
2017/11/23 Fee for sending SMS message ' R 2.85 R 8158.46
2017/11/23 Fee for sending SMS message ' R 2.85 R 8161.31
2017/11/23 Fee for sending SMS message ' R 2.85 R 8164.16
2017/11/23 Telephone call made on ********** 067 ' R 20.52 R 8184.68
2017/11/29 Fee for sending SMS message ' R 2.85 R 8187.53
2017/11/29 Telephone call received ' R 20.52 R 8208.05
2017/11/30 Fee for sending SMS message ' R 2.85 R 8210.90
2017/11/30 Payment Received TC202592 Direct Deposit DD: CARDLESS CASH DEP ORMONDE AS( 9.75 ) DEPOSIT NO : ********** 5 CONTACT : ********** 067 [Direct Deposit] R 500.00 R 7710.90
2017/11/30 Collection Commission (VAT Incl) ' R 57.00 R 7767.90
2017/11/30 Interest ' R 58.40 R 7826.30
2017/12/11 Fee for sending SMS message ' R 2.85 R 7829.15
2017/12/14 Letter sent by e-Mail: ********** ' R 20.52 R 7849.67
2017/12/30 Fee for sending SMS message ' R 2.85 R 7852.52
2017/12/31 Interest ' R 59.93 R 7912.45
2018/01/02 Payment Received TC206340 Direct Deposit DD: CARDLESS CASH DEP ORMONDE AS( 11.00 ) DEPOSIT NO : ********** 5 CONTACT : ********** 067 [Direct Deposit] R 500.00 R 7412.45
2018/01/02 Collection Commission (VAT Incl) ' R 57.00 R 7469.45
2018/01/26 Payment Received TC208342 Direct Deposit DD: CARDLESS CASH DEP ORMONDE AS( 11.00 ) DEPOSIT NO : ********** 5 CONTACT : ********** 067 [Direct Deposit] R 500.00 R 6969.45
2018/01/26 Collection Commission (VAT Incl) ' R 57.00 R 7026.45
2018/01/30 Fee for sending SMS message ' R 2.85 R 7029.30
2018/01/31 Interest ' R 56.55 R 7085.85
2018/02/27 Fee for sending SMS message ' R 2.85 R 7088.70
2018/02/27 Payment Received TC212242 Direct Deposit DD: CARDLESS CASH DEP ORMONDE AS( 11.00 ) DEPOSIT NO : ********** 5 CONTACT : ********** 067 [Direct Deposit] R 500.00 R 6588.70
2018/02/27 Collection Commission (VAT Incl) ' R 57.00 R 6645.70
2018/02/27 Interest Adjustment ' R 0.28 R 6645.98
2018/02/28 Fee for sending SMS message ' R 2.85 R 6648.83
2018/02/28 Interest ' R 48.92 R 6697.75
2018/03/12 Telephone call received ' R 20.52 R 6718.27
2018/03/12 Letter sent by e-Mail: ********** ' R 20.52 R 6738.79
2018/03/12 Letter sent by e-Mail: ********** ' R 20.52 R 6759.31
2018/03/12 Interest To Date R 19.83 R 6779.14
2018/03/12 Outstanding Commission R 495.00 R 7274.14
* Denotes Non-balance affecting transactions.
This email was generated by Excalibur, Futuresoft's Debt Collection Management System. Visit www.futuresoft.co.za
Capfin's replyOfficial
31 Mar 2018, 10:47Hello Thabo Lebepe
We have escalated your query to the relevant party. They have advised they will contact you shortly.
Feel free to call us on *** or email *** for any further assistance.
Kind regards,
Customer Service
Best regards,
Capfin's reply31 Mar 2018, 10:47
Official
Hello Thabo Lebepe
We have escalated your query to the relevant party. They have advised they will contact you shortly.
Feel free to call us on *** or email *** for any further assistance.
Kind regards,
Customer Service
Best regards,