Capitec accuse me of failing to pay! Put years of arrear interest on my account when never in arrears!

I laid a complaint at the banking ombudsman.

I cannot repeat this same complaint months for month here on Hellopeter and anywhere else without the same problem just repeating itself and you *****ing unfair interest on arrears from me.

This must now be fixed once and for all.

The ombudsman reference number for your records is Id-Q7RWY2M0

Now give me the contact details of your CEO.

I want a full statement since the start because I want to calculate how much arrears interest you *****ing from me every month.

(This must be the 10th time I requested such statement -in writing - which you ignore).

My app shows I am one full payment in arrears. Like it does nearly every month.

I don't want to see that agin!!!!

How can I be in arrears before I even get paid?

It seems you deducted whenever you like except on my salary day!

Why on the 19th?
When I opened this loan I specifically requested the debit order for my pay date on the 22nd.

Why isn't there any issues with my credit card? You deducted the moment my salary gets paid.


This got to stop!

This is what you say every month.

Look at all the Hellopeter complaints!

Good day JJ

Thank you for letting us know of your concern, and for your patience while we explore this matter. We have assigned your query to a designated official who will contact you within the next business day.

Kind regards
Capitec Bank

I don't want any official to contact me I just wat my account to be sorted out!!

With your **** arrears allegations every month my credit score will be destroyed and I will take 100 years to pay your stupid loan I do regret I made!

So....

Went to the local Capitec branch today.

They checked my account.
They confirmed that nearly every month since the start of the personal loan:

1. You have been deducting between 1 and 3 days before my salary is paid.

2. Addington unfair arrears interest for 3 items to my account monthly

They say my "chosen debit order date" is the 21st while my pay date is on the 22nd.

Dispite this, you regularly deducted randomly at different dates and sometimes even on the 18th 19th, 20th while my pay date is only 22.

However this is not true. For what reason would I chose a debit order date that is in front of my pay date?

I'm not stupid?

Together with this, on the other hand my credit card debit order date is exactly on spot every month on the 22th and there is no problems with that????

How could I have 2 payment dates?

Somebody made the mistake on your side when capturing my info and I had to pay for this ever since.

When someone applies for a loan, you require a payslip and a bank statement.

How is it then possible to get the incorrect date for debit order?

Worst of all dispite the unfair arrears interest you ***** frome every month, this thing is now costing me additional money.

While I can provide 3 month pay slip with my payment date on, they said they want 3 month bank statement from my Nedbank account as well to check my pay dates.

Now this is costing me additional money for something that is NOT my fault!

I just had to pay R30 for those three statements from Nedbank.

(While the pay slips is sufficient and free).

This does not even include the telephone calls and unnecessary data for complaining and emails etc.

I think it is only fair you compensate me for this as this is YOUR error not mine.

You are asking for bank statements but once again I must pay, while also *****ulently *****ing money by way of several "arrear" interest added to my account every month.

This complaint is long going on. And not getting solved..

There is ***** going on here.

The ombudsman compliant was confirmed today and ref no is Our ref: Ref[***].
Tomorrow, of this is not rectified TODAY, I will open a case at the police for ***** and theft.

I will reply here with the case number and also start yet another fresh Hellopeter complaint.

Oh yes I forgot to say, but still you do not respond to my request for a full statement for the full period of this loan.

In a way I don't blame you because you want to hide the fact that you are *****ing by adding arrears interest every month for the last two years.

It seems norhing jas been done to rectify this yet. After 7 days for THIS review.

Still shows my pay date as the 21st.
Not the 22md as it should be.

Not did I get any feedback on the arr interest that is ********ly added to my account every month.

Nor have I been provided with a full statement since the start of this loan.

Absolutely nothing was done.

Only one email saying they tried to call me.

I want this solved now.

I didn't yet get a chance to open a ***** case but believe me I will.

I think this matter must be sorted out in court.

Capitec...
I am STILL waiting for the full statement from the start of my loan.

Why are you keeping ignoring my request for this?

Obviously you have something to hide.....

All those "ARR interest" my account is loaded with every month né?


I need the full statement so I can calculate with how much arr int you have been robbing me with in the last two or so years.

You keep ignoring THAT part of my complaint


Must my lawyer request this from you rather?

When are you going to sort this out