JM
JJ M
1 reviews | Active since Jul 2011
22 Oct 2024, 06:44
Capitec accuse me of being in arrears on the same date I normally get salary and they declined to take the debit order when funds were available. Also taking unfair arrears interests
I have a personal loan at Capitec. Every month a debit order is taken to pay the payment. My salary date is and always has been the 22nd day of the month. Unlike other institutions Capitec is not able to program a debit order for the 22nd. So the debit order NORMALLY goes off the 21st. Which works ok.
This month for some reason my pay was paid early. On the 19th. I don't think this is relevant but I just mention it.
Yesterday on the 21st I got this SMS from Capitec: Capitec: Account ***, no loan repayment was received, so your Capitec credit insurance was not paid. R3371.21 payable. Info: WhatsApp ***
Today (22nd)⅞ I got this on my Capitec app: Your account is overdue
You owe R3 371.21 on your Term Loan. We understand that this happens, and we want to help. See your available options with no need to call or visit a branch.
WHAT???????? WHY????????????
It is NOT as if I make the payment manually every month! YOU take it with a debit order! Seeing my salary was already in my bank account on the 19th, WHY on earth did you not take the debit order like you doe normally every month??
I was stunned when I got these messages! I really couldn't believe it! How *********** can a giant JSE based company be ?
What exactly is going on here?
And of course you will again add arrears interest and fees on everything because YOU failed to take the debit order when these was sufficient funds in my account!!!
I am lost for words on this inconvenience and incompetence!
This is why I HATE debit orders with everything in me, because companies like Capitec is *********** to execute them properly. It would be much better if I did pay the amount into my loan account myself manually every month. But that Capitec does not allow!
I am still shocked about these messages. And the red lined warning message on the app.
Trying to make me feel like a ******** even if I had absolutely no part in the debit order not taking the money as it should!
I am going to watch this account. If ANY arrears interest or any fees in the matter are added I am going to fight it as never before. Publically and even legally if I must.
This is not the first time this happens. I am fed up!
WHY, oh WHY did my Capitec credit card account payment t debit order go off WITHOUT ANY problem today????
I really want to understand what is going on here. But really can't.
I would urge people - "Do NOT take a personal loan with Capitec! The not only kill you with interest but every bow and then they slip up with the debit order and then blame it on the customer as being a late payer.
On my loan I have faithfully paid every month, and O was NEVER in arrears except for when Capitec messed up with the debit orders. And this seems to happen on a regular basis. But maybe for the first three years I have been only paying interest. The amount didn't go noticeably don't after years untill now recently but now the want to mess it up with not taking the debit order and blaming me for not paying!
This is unbelievable!
I want an explanation what is going on here with this mess! What is happening here? Why didn't the debit order go off yesterday and WHAT are you going to do to rectify this matter.
Capitec general banking is fine. But their personal loans suck big time. You will become utterly frustrated if you take a personal loan from Capitec.
I have loans with other institutions and NEVER experienced such incompetence on something so basic as a debit order.
Go through my hello Peter history and see how many times there were problems on your side with the debit orders. And how many times I was complaining about unfair arrears interest was adder even when YOU agreed that I was NEVER in arrears with my payments.
Today is the 22nd. My normal pay day. 1 How Can I be in arrears? 2. Normally the debit order goes off the day before my payment date. Why didn't it this month? Especially seeing that the funds were already available from the 19th?
Explain
Helpful (0)
Replies (8)0
Replies (8)JM
JJ M's updateReviewer Update
22 Oct 2024, 06:57And another thing that I wonder about. The internet rates went down recently. Why is this not reflected in my payments as the monthly payments is exactly the same as normally
JM
JJ M's update22 Oct 2024, 06:57
Reviewer Update
And another thing that I wonder about. The internet rates went down recently. Why is this not reflected in my payments as the monthly payments is exactly the same as normally
JM
JJ M's updateReviewer Update
22 Oct 2024, 07:08I just checked my bank account statement. And my loan statement. As a matter of fact my salary was already paid into my savings account on the 18 for whatever reason. 4 days before my normal salary date.
And nowhere can I see that an attempt was made to take the debit order for my loan.
And now suddenly you accuse me of being arrears and hitting me with arrears interest and fees (like you did before, just to reverse those are interest and fees on several instances after I complained to hello Peter - go look on my history here).
There could be NO excuse for Capitec not to have taken payment. And my question remains why did you take my Credit card payment debit order without any problems but not my pers loan one?
What is going on here? I smell a rat maybe?
And nowhere can I see that an attempt was made to take the debit order for my loan.
And now suddenly you accuse me of being arrears and hitting me with arrears interest and fees (like you did before, just to reverse those are interest and fees on several instances after I complained to hello Peter - go look on my history here).
There could be NO excuse for Capitec not to have taken payment. And my question remains why did you take my Credit card payment debit order without any problems but not my pers loan one?
What is going on here? I smell a rat maybe?
JM
JJ M's update22 Oct 2024, 07:08
Reviewer Update
I just checked my bank account statement. And my loan statement. As a matter of fact my salary was already paid into my savings account on the 18 for whatever reason. 4 days before my normal salary date.
And nowhere can I see that an attempt was made to take the debit order for my loan.
And now suddenly you accuse me of being arrears and hitting me with arrears interest and fees (like you did before, just to reverse those are interest and fees on several instances after I complained to hello Peter - go look on my history here).
There could be NO excuse for Capitec not to have taken payment. And my question remains why did you take my Credit card payment debit order without any problems but not my pers loan one?
What is going on here? I smell a rat maybe?
And nowhere can I see that an attempt was made to take the debit order for my loan.
And now suddenly you accuse me of being arrears and hitting me with arrears interest and fees (like you did before, just to reverse those are interest and fees on several instances after I complained to hello Peter - go look on my history here).
There could be NO excuse for Capitec not to have taken payment. And my question remains why did you take my Credit card payment debit order without any problems but not my pers loan one?
What is going on here? I smell a rat maybe?
JM
JJ M's updateReviewer Update
22 Oct 2024, 13:15No answer yet and no debit order yet
JM
JJ M's update22 Oct 2024, 13:15
Reviewer Update
No answer yet and no debit order yet
JM
JJ M's updateReviewer Update
22 Oct 2024, 17:19This is getting more intriguing by the moment....
With no feedback from Capitec in the matter so far...
So I got hold of a WhatsApp number for collection dept.
Copied my post here and sent it to them.
Requiring them that I want to know what is happening here.
I was told there was a request for the debit order for yesterday, the 21st. But there was an error in the deduction. However they could not understand why because my credit card payment DO went through errorless. I was told to make a manual payment. I refused. And told them to request the debit order again because that was the agreement and the unexplainable "error" wasn't my fault.
I was promised the debit order would go through within the hour.
Then there wasn't a debit order but a transfer made from my savings account to my personal loan account.
A transfer that I did not request.
A transfer that I did not authorise,
A transfer that I was not asked permission for
A transfer I was totally unaware of.
Why not the debit order?
What is the reason the debit order didn't go of.
And Capitec has the audacity to say I didn't pay and it is my fault and I am in arrears?
My debit order dat is the 21st of each month, right?
How is it then possible that I receive Capitec SMS on the 21st telling me I didn't pay and my account was in arrear? Tel me how is that possible, and also that arrear interests are also immediately added to my account?
All this for something I was totally unaware of and was obviously not my fault at all?
What is going on here?
The agent said any interest will be removed.
I then now checked my loan statement. The payment from the ille al and unauthorized account transfer shows. But also still the arrears interest.
So I thought I would scan my statement a bit. What a surprise....
During the term of this loan the payments was always made by debit order. Not one month to my knowledge in the three years I ever missed a payment.
So I started to notice very small little amounts of Arrears interest all over since the beginning of the statement bac in 2022. Nearly every month for the first year or two.
These are shown on my statement as
ARR Death CL
ARR Disab CL
ARR Ret/unem CI
ARR int
I small unnoticeable amounts between 36c to R5
This shows up 20/01/2022
20/03/2022
20/05/2022
20/07/2022
20/08/2022
20/10/2022
20/11/2022
20/12/2022
20/01/2023
20/03/2023
20/04/2023
20/05/2023
20/08/2023
20/01/2024
And
Now, 20/10/2024.
All those small little ARR INT - Arrears interests amounts up to an amount of R130.52.
Arrears interest deductions on my account for an account that was never in arrears (by my own doing at least).
Some time ago, maybe a year or more, I had about the same complaint here on hello Peter on Capitec.
Look it up.
I was assured my account was NEVER in arrears and that any arrears interests taken will be refunded to my account.
So I was shocked and surprised to see all the above now on my statement.
Nobody notices 36 c deductions.
But what if this happens on ten tho sand Capitec loan accounts? And no one notices or really care about such small amounts? That one hundred and thirty rand and some cents times ten thousand becomes a significant amount of money, not?
Where does that money go?
Anyone happening to read this PLEASE go and check your Capitec loan statement VERY carefully!
Look for any abbreviations starting with ARR...
That is money the take from you.
Iny case it looks like they conveniently get an "error" on the debit order just to add a little ARR int.
I am now fed up with this incompetence and dishonesty.
I want a refund on all those ARR ints
An explanation on why the debit order didn't go off
An explanation who authorized a money transfer from my savings account to the loan account after I specifically said NO. To paying manually and requesting the debit order to be tried again. The WhatsApp chat on that subject is available.
Very disappointed in Capitec and also worried. Maybe someone in causing all those little ARR ints to get something?
Don't know If they are going to reply here or just brush it under the rug, but I am definitely taking this matter to the ombudsman and I am going to actively try and get the Capitec CEO contact details to make him also aware of what has happened here.
With no feedback from Capitec in the matter so far...
So I got hold of a WhatsApp number for collection dept.
Copied my post here and sent it to them.
Requiring them that I want to know what is happening here.
I was told there was a request for the debit order for yesterday, the 21st. But there was an error in the deduction. However they could not understand why because my credit card payment DO went through errorless. I was told to make a manual payment. I refused. And told them to request the debit order again because that was the agreement and the unexplainable "error" wasn't my fault.
I was promised the debit order would go through within the hour.
Then there wasn't a debit order but a transfer made from my savings account to my personal loan account.
A transfer that I did not request.
A transfer that I did not authorise,
A transfer that I was not asked permission for
A transfer I was totally unaware of.
Why not the debit order?
What is the reason the debit order didn't go of.
And Capitec has the audacity to say I didn't pay and it is my fault and I am in arrears?
My debit order dat is the 21st of each month, right?
How is it then possible that I receive Capitec SMS on the 21st telling me I didn't pay and my account was in arrear? Tel me how is that possible, and also that arrear interests are also immediately added to my account?
All this for something I was totally unaware of and was obviously not my fault at all?
What is going on here?
The agent said any interest will be removed.
I then now checked my loan statement. The payment from the ille al and unauthorized account transfer shows. But also still the arrears interest.
So I thought I would scan my statement a bit. What a surprise....
During the term of this loan the payments was always made by debit order. Not one month to my knowledge in the three years I ever missed a payment.
So I started to notice very small little amounts of Arrears interest all over since the beginning of the statement bac in 2022. Nearly every month for the first year or two.
These are shown on my statement as
ARR Death CL
ARR Disab CL
ARR Ret/unem CI
ARR int
I small unnoticeable amounts between 36c to R5
This shows up 20/01/2022
20/03/2022
20/05/2022
20/07/2022
20/08/2022
20/10/2022
20/11/2022
20/12/2022
20/01/2023
20/03/2023
20/04/2023
20/05/2023
20/08/2023
20/01/2024
And
Now, 20/10/2024.
All those small little ARR INT - Arrears interests amounts up to an amount of R130.52.
Arrears interest deductions on my account for an account that was never in arrears (by my own doing at least).
Some time ago, maybe a year or more, I had about the same complaint here on hello Peter on Capitec.
Look it up.
I was assured my account was NEVER in arrears and that any arrears interests taken will be refunded to my account.
So I was shocked and surprised to see all the above now on my statement.
Nobody notices 36 c deductions.
But what if this happens on ten tho sand Capitec loan accounts? And no one notices or really care about such small amounts? That one hundred and thirty rand and some cents times ten thousand becomes a significant amount of money, not?
Where does that money go?
Anyone happening to read this PLEASE go and check your Capitec loan statement VERY carefully!
Look for any abbreviations starting with ARR...
That is money the take from you.
Iny case it looks like they conveniently get an "error" on the debit order just to add a little ARR int.
I am now fed up with this incompetence and dishonesty.
I want a refund on all those ARR ints
An explanation on why the debit order didn't go off
An explanation who authorized a money transfer from my savings account to the loan account after I specifically said NO. To paying manually and requesting the debit order to be tried again. The WhatsApp chat on that subject is available.
Very disappointed in Capitec and also worried. Maybe someone in causing all those little ARR ints to get something?
Don't know If they are going to reply here or just brush it under the rug, but I am definitely taking this matter to the ombudsman and I am going to actively try and get the Capitec CEO contact details to make him also aware of what has happened here.
JM
JJ M's update22 Oct 2024, 17:19
Reviewer Update
This is getting more intriguing by the moment....
With no feedback from Capitec in the matter so far...
So I got hold of a WhatsApp number for collection dept.
Copied my post here and sent it to them.
Requiring them that I want to know what is happening here.
I was told there was a request for the debit order for yesterday, the 21st. But there was an error in the deduction. However they could not understand why because my credit card payment DO went through errorless. I was told to make a manual payment. I refused. And told them to request the debit order again because that was the agreement and the unexplainable "error" wasn't my fault.
I was promised the debit order would go through within the hour.
Then there wasn't a debit order but a transfer made from my savings account to my personal loan account.
A transfer that I did not request.
A transfer that I did not authorise,
A transfer that I was not asked permission for
A transfer I was totally unaware of.
Why not the debit order?
What is the reason the debit order didn't go of.
And Capitec has the audacity to say I didn't pay and it is my fault and I am in arrears?
My debit order dat is the 21st of each month, right?
How is it then possible that I receive Capitec SMS on the 21st telling me I didn't pay and my account was in arrear? Tel me how is that possible, and also that arrear interests are also immediately added to my account?
All this for something I was totally unaware of and was obviously not my fault at all?
What is going on here?
The agent said any interest will be removed.
I then now checked my loan statement. The payment from the ille al and unauthorized account transfer shows. But also still the arrears interest.
So I thought I would scan my statement a bit. What a surprise....
During the term of this loan the payments was always made by debit order. Not one month to my knowledge in the three years I ever missed a payment.
So I started to notice very small little amounts of Arrears interest all over since the beginning of the statement bac in 2022. Nearly every month for the first year or two.
These are shown on my statement as
ARR Death CL
ARR Disab CL
ARR Ret/unem CI
ARR int
I small unnoticeable amounts between 36c to R5
This shows up 20/01/2022
20/03/2022
20/05/2022
20/07/2022
20/08/2022
20/10/2022
20/11/2022
20/12/2022
20/01/2023
20/03/2023
20/04/2023
20/05/2023
20/08/2023
20/01/2024
And
Now, 20/10/2024.
All those small little ARR INT - Arrears interests amounts up to an amount of R130.52.
Arrears interest deductions on my account for an account that was never in arrears (by my own doing at least).
Some time ago, maybe a year or more, I had about the same complaint here on hello Peter on Capitec.
Look it up.
I was assured my account was NEVER in arrears and that any arrears interests taken will be refunded to my account.
So I was shocked and surprised to see all the above now on my statement.
Nobody notices 36 c deductions.
But what if this happens on ten tho sand Capitec loan accounts? And no one notices or really care about such small amounts? That one hundred and thirty rand and some cents times ten thousand becomes a significant amount of money, not?
Where does that money go?
Anyone happening to read this PLEASE go and check your Capitec loan statement VERY carefully!
Look for any abbreviations starting with ARR...
That is money the take from you.
Iny case it looks like they conveniently get an "error" on the debit order just to add a little ARR int.
I am now fed up with this incompetence and dishonesty.
I want a refund on all those ARR ints
An explanation on why the debit order didn't go off
An explanation who authorized a money transfer from my savings account to the loan account after I specifically said NO. To paying manually and requesting the debit order to be tried again. The WhatsApp chat on that subject is available.
Very disappointed in Capitec and also worried. Maybe someone in causing all those little ARR ints to get something?
Don't know If they are going to reply here or just brush it under the rug, but I am definitely taking this matter to the ombudsman and I am going to actively try and get the Capitec CEO contact details to make him also aware of what has happened here.
With no feedback from Capitec in the matter so far...
So I got hold of a WhatsApp number for collection dept.
Copied my post here and sent it to them.
Requiring them that I want to know what is happening here.
I was told there was a request for the debit order for yesterday, the 21st. But there was an error in the deduction. However they could not understand why because my credit card payment DO went through errorless. I was told to make a manual payment. I refused. And told them to request the debit order again because that was the agreement and the unexplainable "error" wasn't my fault.
I was promised the debit order would go through within the hour.
Then there wasn't a debit order but a transfer made from my savings account to my personal loan account.
A transfer that I did not request.
A transfer that I did not authorise,
A transfer that I was not asked permission for
A transfer I was totally unaware of.
Why not the debit order?
What is the reason the debit order didn't go of.
And Capitec has the audacity to say I didn't pay and it is my fault and I am in arrears?
My debit order dat is the 21st of each month, right?
How is it then possible that I receive Capitec SMS on the 21st telling me I didn't pay and my account was in arrear? Tel me how is that possible, and also that arrear interests are also immediately added to my account?
All this for something I was totally unaware of and was obviously not my fault at all?
What is going on here?
The agent said any interest will be removed.
I then now checked my loan statement. The payment from the ille al and unauthorized account transfer shows. But also still the arrears interest.
So I thought I would scan my statement a bit. What a surprise....
During the term of this loan the payments was always made by debit order. Not one month to my knowledge in the three years I ever missed a payment.
So I started to notice very small little amounts of Arrears interest all over since the beginning of the statement bac in 2022. Nearly every month for the first year or two.
These are shown on my statement as
ARR Death CL
ARR Disab CL
ARR Ret/unem CI
ARR int
I small unnoticeable amounts between 36c to R5
This shows up 20/01/2022
20/03/2022
20/05/2022
20/07/2022
20/08/2022
20/10/2022
20/11/2022
20/12/2022
20/01/2023
20/03/2023
20/04/2023
20/05/2023
20/08/2023
20/01/2024
And
Now, 20/10/2024.
All those small little ARR INT - Arrears interests amounts up to an amount of R130.52.
Arrears interest deductions on my account for an account that was never in arrears (by my own doing at least).
Some time ago, maybe a year or more, I had about the same complaint here on hello Peter on Capitec.
Look it up.
I was assured my account was NEVER in arrears and that any arrears interests taken will be refunded to my account.
So I was shocked and surprised to see all the above now on my statement.
Nobody notices 36 c deductions.
But what if this happens on ten tho sand Capitec loan accounts? And no one notices or really care about such small amounts? That one hundred and thirty rand and some cents times ten thousand becomes a significant amount of money, not?
Where does that money go?
Anyone happening to read this PLEASE go and check your Capitec loan statement VERY carefully!
Look for any abbreviations starting with ARR...
That is money the take from you.
Iny case it looks like they conveniently get an "error" on the debit order just to add a little ARR int.
I am now fed up with this incompetence and dishonesty.
I want a refund on all those ARR ints
An explanation on why the debit order didn't go off
An explanation who authorized a money transfer from my savings account to the loan account after I specifically said NO. To paying manually and requesting the debit order to be tried again. The WhatsApp chat on that subject is available.
Very disappointed in Capitec and also worried. Maybe someone in causing all those little ARR ints to get something?
Don't know If they are going to reply here or just brush it under the rug, but I am definitely taking this matter to the ombudsman and I am going to actively try and get the Capitec CEO contact details to make him also aware of what has happened here.
JM
JJ M's updateReviewer Update
24 Oct 2024, 11:33Good day. I hope the nice friendly and helpful lady who phoned me yesterday get this message. Unfortunately I didn't get het name
I told you yesterday that the debit order didn't go off on the agreement date, so I contacted collections because they claimed I am in arrears (a day before my payday, so instead of taking the debit order they transferred money without my authorisation or knowledge from my savings account to my loan account?
Well, that was not the ens of it. Today, just an hour ago actually, they took another payment, this time with a debit order.
A day after they just transferred money from my savings account without consulting me.
Now the pay has been done twice, and tonight other debit orders will go off and I won't have enough money in my account so those other debit orders will return. Causing inconvenience, and lots of fees for unreturned debit orders.
All began with the fact that Capitec didn't take the debit order on the date agreed.
Because of an error. Which they could not explain.
Or inform me about it accept messages on sms and the app that I didn't pay and my account is in arrears.
So what to do now?
I paid my loan account twice without agreeing to any other payments than debit order.
And other institutions will debit today. I will be over R3000 short now.
I told you yesterday that the debit order didn't go off on the agreement date, so I contacted collections because they claimed I am in arrears (a day before my payday, so instead of taking the debit order they transferred money without my authorisation or knowledge from my savings account to my loan account?
Well, that was not the ens of it. Today, just an hour ago actually, they took another payment, this time with a debit order.
A day after they just transferred money from my savings account without consulting me.
Now the pay has been done twice, and tonight other debit orders will go off and I won't have enough money in my account so those other debit orders will return. Causing inconvenience, and lots of fees for unreturned debit orders.
All began with the fact that Capitec didn't take the debit order on the date agreed.
Because of an error. Which they could not explain.
Or inform me about it accept messages on sms and the app that I didn't pay and my account is in arrears.
So what to do now?
I paid my loan account twice without agreeing to any other payments than debit order.
And other institutions will debit today. I will be over R3000 short now.
JM
JJ M's update24 Oct 2024, 11:33
Reviewer Update
Good day. I hope the nice friendly and helpful lady who phoned me yesterday get this message. Unfortunately I didn't get het name
I told you yesterday that the debit order didn't go off on the agreement date, so I contacted collections because they claimed I am in arrears (a day before my payday, so instead of taking the debit order they transferred money without my authorisation or knowledge from my savings account to my loan account?
Well, that was not the ens of it. Today, just an hour ago actually, they took another payment, this time with a debit order.
A day after they just transferred money from my savings account without consulting me.
Now the pay has been done twice, and tonight other debit orders will go off and I won't have enough money in my account so those other debit orders will return. Causing inconvenience, and lots of fees for unreturned debit orders.
All began with the fact that Capitec didn't take the debit order on the date agreed.
Because of an error. Which they could not explain.
Or inform me about it accept messages on sms and the app that I didn't pay and my account is in arrears.
So what to do now?
I paid my loan account twice without agreeing to any other payments than debit order.
And other institutions will debit today. I will be over R3000 short now.
I told you yesterday that the debit order didn't go off on the agreement date, so I contacted collections because they claimed I am in arrears (a day before my payday, so instead of taking the debit order they transferred money without my authorisation or knowledge from my savings account to my loan account?
Well, that was not the ens of it. Today, just an hour ago actually, they took another payment, this time with a debit order.
A day after they just transferred money from my savings account without consulting me.
Now the pay has been done twice, and tonight other debit orders will go off and I won't have enough money in my account so those other debit orders will return. Causing inconvenience, and lots of fees for unreturned debit orders.
All began with the fact that Capitec didn't take the debit order on the date agreed.
Because of an error. Which they could not explain.
Or inform me about it accept messages on sms and the app that I didn't pay and my account is in arrears.
So what to do now?
I paid my loan account twice without agreeing to any other payments than debit order.
And other institutions will debit today. I will be over R3000 short now.
JM
JJ M's updateReviewer Update
24 Oct 2024, 12:14I just communicated with collection department.
Here's what they say:
From the 19th the account was sent out. You need to ensure sufficient funds in your account at all times the debit order can go off anytime when you get paid because it gets sent out early in the month.
So looks like they now want to turn it around and make me the one at fault???
Even before the 19th there were sufficient funds. On the 18th my full salary was already in my account. So even if the debit order did go off on the 19th as they allege now, there were more than sufficient funds.
Looks like someone wants to cover up something here.
Here's what they say:
From the 19th the account was sent out. You need to ensure sufficient funds in your account at all times the debit order can go off anytime when you get paid because it gets sent out early in the month.
So looks like they now want to turn it around and make me the one at fault???
Even before the 19th there were sufficient funds. On the 18th my full salary was already in my account. So even if the debit order did go off on the 19th as they allege now, there were more than sufficient funds.
Looks like someone wants to cover up something here.
JM
JJ M's update24 Oct 2024, 12:14
Reviewer Update
I just communicated with collection department.
Here's what they say:
From the 19th the account was sent out. You need to ensure sufficient funds in your account at all times the debit order can go off anytime when you get paid because it gets sent out early in the month.
So looks like they now want to turn it around and make me the one at fault???
Even before the 19th there were sufficient funds. On the 18th my full salary was already in my account. So even if the debit order did go off on the 19th as they allege now, there were more than sufficient funds.
Looks like someone wants to cover up something here.
Here's what they say:
From the 19th the account was sent out. You need to ensure sufficient funds in your account at all times the debit order can go off anytime when you get paid because it gets sent out early in the month.
So looks like they now want to turn it around and make me the one at fault???
Even before the 19th there were sufficient funds. On the 18th my full salary was already in my account. So even if the debit order did go off on the 19th as they allege now, there were more than sufficient funds.
Looks like someone wants to cover up something here.
JM
JJ M's updateReviewer Update
24 Oct 2024, 12:14My statement can be checked to confirm that I in fact did have sufficient funds
JM
JJ M's update24 Oct 2024, 12:14
Reviewer Update
My statement can be checked to confirm that I in fact did have sufficient funds
JM
JJ M's updateReviewer Update
20 Jan 2025, 23:51Again:Your account is overdue
You owe R3 371.21 on your Term Loan. We understand that this happens, and we want to help. See your available options with no need to call or visit a branch.
Let us help you
Account number
***
Next payment
R3 371.21
This two days before my agreed debit order date. 2 days before my pay date.
I'm Fed up with apologies and promises but the same thing happens EVERY month now!
Dispite your promises it won't happen again. How long is this going on now!
This false accusations must stop!
Sunday 19 January red exclamation marks on my app saying I did not pay.
HOW CAN I BE IN ARREARS IN SUNDAY 19 JANUARY????.
EXPLAIN THIS TO ME!!! MY DECEMBER PAYMENT WAS PAID, JUST LIKE EVERY OTHER MONTH! JANUARY PAYMENT IS YET TO COME:
21 JANUARY AS PER AGREED DEBIT ORDER AGREEMENT!!!!
TWO DAYS NOW MY ACCOUNT SHOWS ARREARS!!!
EXPLAIN!
EXPLAIN!
EXPLAIN....
. BOW IS IT POSSIBLE THAT I AM IN ARREARS SINCE THE 19TH OF JANUARY???
THIS IS CRIMEN INJURIA!
I AM TOTALLY FED UP Now!
AND AGAIN YOU'LL ADD YOUR ARREARS INTEREST EVEN THOUGH MY ACCOUNT IS NOT - IS NOT - IS NOT IN ARREARS!!!!
You owe R3 371.21 on your Term Loan. We understand that this happens, and we want to help. See your available options with no need to call or visit a branch.
Let us help you
Account number
***
Next payment
R3 371.21
This two days before my agreed debit order date. 2 days before my pay date.
I'm Fed up with apologies and promises but the same thing happens EVERY month now!
Dispite your promises it won't happen again. How long is this going on now!
This false accusations must stop!
Sunday 19 January red exclamation marks on my app saying I did not pay.
HOW CAN I BE IN ARREARS IN SUNDAY 19 JANUARY????.
EXPLAIN THIS TO ME!!! MY DECEMBER PAYMENT WAS PAID, JUST LIKE EVERY OTHER MONTH! JANUARY PAYMENT IS YET TO COME:
21 JANUARY AS PER AGREED DEBIT ORDER AGREEMENT!!!!
TWO DAYS NOW MY ACCOUNT SHOWS ARREARS!!!
EXPLAIN!
EXPLAIN!
EXPLAIN....
. BOW IS IT POSSIBLE THAT I AM IN ARREARS SINCE THE 19TH OF JANUARY???
THIS IS CRIMEN INJURIA!
I AM TOTALLY FED UP Now!
AND AGAIN YOU'LL ADD YOUR ARREARS INTEREST EVEN THOUGH MY ACCOUNT IS NOT - IS NOT - IS NOT IN ARREARS!!!!
JM
JJ M's update20 Jan 2025, 23:51
Reviewer Update
Again:Your account is overdue
You owe R3 371.21 on your Term Loan. We understand that this happens, and we want to help. See your available options with no need to call or visit a branch.
Let us help you
Account number
***
Next payment
R3 371.21
This two days before my agreed debit order date. 2 days before my pay date.
I'm Fed up with apologies and promises but the same thing happens EVERY month now!
Dispite your promises it won't happen again. How long is this going on now!
This false accusations must stop!
Sunday 19 January red exclamation marks on my app saying I did not pay.
HOW CAN I BE IN ARREARS IN SUNDAY 19 JANUARY????.
EXPLAIN THIS TO ME!!! MY DECEMBER PAYMENT WAS PAID, JUST LIKE EVERY OTHER MONTH! JANUARY PAYMENT IS YET TO COME:
21 JANUARY AS PER AGREED DEBIT ORDER AGREEMENT!!!!
TWO DAYS NOW MY ACCOUNT SHOWS ARREARS!!!
EXPLAIN!
EXPLAIN!
EXPLAIN....
. BOW IS IT POSSIBLE THAT I AM IN ARREARS SINCE THE 19TH OF JANUARY???
THIS IS CRIMEN INJURIA!
I AM TOTALLY FED UP Now!
AND AGAIN YOU'LL ADD YOUR ARREARS INTEREST EVEN THOUGH MY ACCOUNT IS NOT - IS NOT - IS NOT IN ARREARS!!!!
You owe R3 371.21 on your Term Loan. We understand that this happens, and we want to help. See your available options with no need to call or visit a branch.
Let us help you
Account number
***
Next payment
R3 371.21
This two days before my agreed debit order date. 2 days before my pay date.
I'm Fed up with apologies and promises but the same thing happens EVERY month now!
Dispite your promises it won't happen again. How long is this going on now!
This false accusations must stop!
Sunday 19 January red exclamation marks on my app saying I did not pay.
HOW CAN I BE IN ARREARS IN SUNDAY 19 JANUARY????.
EXPLAIN THIS TO ME!!! MY DECEMBER PAYMENT WAS PAID, JUST LIKE EVERY OTHER MONTH! JANUARY PAYMENT IS YET TO COME:
21 JANUARY AS PER AGREED DEBIT ORDER AGREEMENT!!!!
TWO DAYS NOW MY ACCOUNT SHOWS ARREARS!!!
EXPLAIN!
EXPLAIN!
EXPLAIN....
. BOW IS IT POSSIBLE THAT I AM IN ARREARS SINCE THE 19TH OF JANUARY???
THIS IS CRIMEN INJURIA!
I AM TOTALLY FED UP Now!
AND AGAIN YOU'LL ADD YOUR ARREARS INTEREST EVEN THOUGH MY ACCOUNT IS NOT - IS NOT - IS NOT IN ARREARS!!!!