A DISSAPOINTED CLIENT

Good day Hellopeter,

I had a loan with Capitec Bank for years and I was using them as my facility for banking. The reason made me to close it as my main bank was because of their terrible I experience with them that was 2016 in April 26, I took a multiloan which deduct once you get paid in full. The debit order was suppose to run in May the 27th when I get paid as it goes straight to them and they are the 1st to debit my account. In July 2016 I went to the branch to request for my loan balance instead I was told I am still owing the Multiloan that I took in April 26th when I ask how but you did debit it and even send me an sms to say " Thank you for repayment" they told me they only recover R86.00 but why I asked ; I said I had my full salary to debit as you debited the other loans, I had SARS pay of plus R5300, pension fund pay plus R5000 and a friend of mine sold her house and gave me R10 000 how could it be possible not debit your R1000. I was told is the system error they cannot help it I tried to argue about that as there was no proof that they didn't debit on my side only their side also I question them when were they prepared to tell me I am owing they couldn't answer but, they told me I should pay it back and I am responsible of my account I should always check. I lost the case I paid them I closed the banking with them.

I gave them my new banking facility Standard Bank since then they were deducting their loans from it. As they told me they could not close my account since I am owing them it will remain open. I happen to think in September 2019 that I would like to make it as my savings account just keep money in there and use it when needed. I started transferring money to it but in November I did not now what happen the 27th of each month they debit my account I never tell them to change anything or go back to them. On the 28th of November 2019 I received a call from them saying I am behind with my loan I refused so angry I shouted the lady asking since when you always debit every month the 27th, I went to the branch they checked and they told me I did not pay there was no money in my account they only got R23.00 I asked which account because I got paid and there is still money even today the 30th of November and the consultant said on my Capitec account.

I asked who told them to debit on that account and which account do you have on your system to run your debit? it was Standard Bank and he then call the Head Office they said they don't know what happen is the system error they cannot explain how it happen they are surprise and I must just pay them.

I said this is for the 2nd time you do this to me and say is your system error how many people you do this to them hence the reason I am no longer banking with you and because you were always sending me messages say " thank you for payment and the next day it will be you are still owing 20 cent is interest charged until I had to ask you a letter confirming I have paid in full your Multiloan.

Please assist me I want them to learn how to deal with me in a proper manner I never instructed them to change my debit order whoever made this error has to cover for it I am tired of Capitec system error and end up in debts I did not plan for.

I received the case no. ***6

Thanking you for your assistance.

My sincere Cheryl Mabaso