Capitec failure and Bullying tacts

<p>My mother app**** for a loan with Capitec . The loan amount approved and insured against : Retrenchment, Illness and death .</p> <p>A month and a half into the loan contract , she was retrenched . She went to Capitec Rosslyn inform them that she has since been retrenched . She provided the neccesary documents and informed she must await a response from the Insurance company advising the outcome of the loan .</p> <p>She continued paying the loan amount even though she was not working as she understood that she needs to wait for feedback on her submissions . </p> <p>No word came from the branch or the Insurance company and she went into the branch again to follow up a few weeks following the first vist and she recieved no information but to wait for feedback .</p> <p>Ofcause she could not afford to make payments on the loan as her package money was now depleted , and still no word at this point from both Capitec and the Insurance .</p> <p>On the 25th of November 2016 R 800 was deposited into my mothers account and Capitec debited the R800 , after 3 months of waiting for feedback from the insurance and Capitec they went into my mothers account and debited . Regardless of the fact that</p> <p>*no payment arrangement was made , </p> <p>*no statement of arrears or staus of the loan</p> <p>*No call regarding the progress of the claim </p> <p>*The dibited amount amounted to almost double the original installment </p> <p>Ofcause we went to Garankuwa branch and spoke to the manager </p> <p>1 Rude</p> <p>2 Unrespectful</p> <p>3 Unprofessional </p> <p>4 Lack of common sense </p> <p>5 No sense or regard of clients and confidentiality </p> <p>Is the best way i can discribe what I saw stand infront of mother and labelled a mangered stupidly addressed the matter . </p> <p>We were informed that firstly mother did not qualify for the loan cause was temp employed and that she did not even qualify to have insurance on the loan . We just could not stomach the way this manager conducted them selves and we were refered to go to the Rosslyn branch , following the Garankuwa branch contacted the Insurance and told that they will not reverse the debited amount as there was no payment arrangement done .</p> <p>We indeed went to the Rosslyn branch , oh Lord bless my soul as we were assisted by Miss attitude , who had no regard for anyone of us . She would not even listen or even do her job by checking the history of the account . When the loan was taken , when the claim was made a basic investigation to help her deal with the matter . We explained </p> <p>1 We are still waiting for feedback </p> <p>2 No one informed us that we had to put in place a payment arragement while we wait . Instead she reffered a woman who cant read or understand English to her contract .</p> <p>3 How was she going to make the arrangement cause the very same branch informed her to await the loan to go into arears so debit collectiion calls her and makes the arrangement as the system would not make an arrangement ealier as the loan was not in arears yet .</p> <p> </p> <p>We request to speak to the Rosslyn manager following the failed attempted with Miss Roll my eyes and Talk as tohough she was talking to her friend failed to compose herself and use basic Am a lady manners .</p> <p>The manager said she will follow up and get back to us on the 29th Nov 2016 . Guess what we wait , as we have for the loan claim feedback . For them to explain why was she paying insurance that never was to help her incase she needed it . Feedback on the request to reverse the money ****** from her account . Someone to call her and inform her on the status of the loan , arears and make the payment arrangement .</p> <p>It pains me and angers me that this institution bul**** my mother . They stole from her and noone accounts for their side .</p> <p>She did all she could to make sure this is sorted , she did her part . The ball is in Capitec's court but instead of playing the ball they played my mother . </p> <p>I recently got as job and awaited to payment arrangement to help herwe . The R800 I was helping her cause guess what , we are poor and that wa to feedback and my family . No for you to ***** and turn a blind eye and hide behind reeds of rude bullies you place in your branches . </p> <p>we still await ....</p>