CR
Caroline R
1 reviews | Active since Feb 2016
06 Oct 2021, 18:19
Capitec debt appearing twice on my profile.
Capitec sold my loan account to MBD and didn't close the account. Now the same debt appears as two debts on my credit profile. One for MBD and one for Capitec.
Please attend to this matter at the soonest and email a closed letter that this account is closed to ***
Helpful (0)
Replies (1)0
Replies (1)CR
Credit report prescribed debt
I have also noted that there is an account named MBD LEGAL COLLECTIONS (PTY) LTD (Capitec Loan) which I have been listed for on my credit report..
Please note that I have not had any communication regarding any Capitec account and thus note that any account that Capitec is calling about is dormant and has not been acknowledged in the past three or more years. Therefore, this account is prescribed and what you are doing is *******.
I have not acknowledged the debt in the past 3 consecutive years, either in writing or verbally, not made any payment towards the outstanding amount, nor have I promised to pay. No summons has been issued within the last 3 years. They are in contravention of the NCA Sec 126b. It states that no person may continue collection or re-activation of such prescribed debt as a prescription Act 68 of 1969 (Prescription Act).
Debt therefore prescribed and I'm not legally bound to repay such. I request this matter be closed and any negative information will be removed from my credit record. Should I receive any calls I will lay a complaint with the relative authorities, ie, NCR and LSSA.
Please attend to this matter at the soonest and email a Prescribed letter that this account is closed to ***
Caroline R's updateReviewer Update
06 Oct 2021, 19:18 Listed for Prescribed Debt
Credit report prescribed debt
I have also noted that there is an account named MBD LEGAL COLLECTIONS (PTY) LTD (Capitec Loan) which I have been listed for on my credit report..
Please note that I have not had any communication regarding any Capitec account and thus note that any account that Capitec is calling about is dormant and has not been acknowledged in the past three or more years. Therefore, this account is prescribed and what you are doing is *******.
I have not acknowledged the debt in the past 3 consecutive years, either in writing or verbally, not made any payment towards the outstanding amount, nor have I promised to pay. No summons has been issued within the last 3 years. They are in contravention of the NCA Sec 126b. It states that no person may continue collection or re-activation of such prescribed debt as a prescription Act 68 of 1969 (Prescription Act).
Debt therefore prescribed and I'm not legally bound to repay such. I request this matter be closed and any negative information will be removed from my credit record. Should I receive any calls I will lay a complaint with the relative authorities, ie, NCR and LSSA.
Please attend to this matter at the soonest and email a Prescribed letter that this account is closed to ***
CR
Caroline R's update06 Oct 2021, 19:18
Reviewer Update
Listed for Prescribed Debt
Credit report prescribed debt
I have also noted that there is an account named MBD LEGAL COLLECTIONS (PTY) LTD (Capitec Loan) which I have been listed for on my credit report..
Please note that I have not had any communication regarding any Capitec account and thus note that any account that Capitec is calling about is dormant and has not been acknowledged in the past three or more years. Therefore, this account is prescribed and what you are doing is *******.
I have not acknowledged the debt in the past 3 consecutive years, either in writing or verbally, not made any payment towards the outstanding amount, nor have I promised to pay. No summons has been issued within the last 3 years. They are in contravention of the NCA Sec 126b. It states that no person may continue collection or re-activation of such prescribed debt as a prescription Act 68 of 1969 (Prescription Act).
Debt therefore prescribed and I'm not legally bound to repay such. I request this matter be closed and any negative information will be removed from my credit record. Should I receive any calls I will lay a complaint with the relative authorities, ie, NCR and LSSA.
Please attend to this matter at the soonest and email a Prescribed letter that this account is closed to ***