DECLINE OF LOAN AND REFUSING TO REFUND ME

Good morning

I recently app**** for a loan through Capitec and I have been declined for some obscure reason and I am extremely disappointed in Capitec’s service and the “help” that they so willingly provide.

I have spoken to a gentleman by the name of Jackson and he stated that he will escalate my complaint but I do feel that I should put this in writing. A few months ago you gave me 2 loans for +/- R70 000 and I have been paying them every month with no questions asked, no payment arrangements made, nothing that would cause you to decline me. On the 15th of May 2018 I made a payment of R28 000 towards one of the loans using my banking app, a day after that my vehicle broke down and cost me quite a substantial amount of money which I had to borrow from my employer as you refused to give me a loan as 1 of my payslips had no commission on due to the fact that I was not working and was on honeymoon in January. I am now sitting in a terrible situation and plead to you to assist me as this to me is really unfair and not the way that the BANK is supposed to treat their clients.

I would not like another loan due to the fact that you have already “spat” in my face with declining me, I would like a refund of the R28 000 that I paid on the 15th of May 2018, you can then bring my account back to where it was and keep taking your instalment every month. If there are costs involved I would like a breakdown of what costs will be involved and you can take it from the amount that I paid. I will not accept the response that I got yesterday afternoon from a consultant named Ntlantla at Capitec Keywest, Krugersdorp “It cannot be done”. You are a financial establishment and I expect you to act like one and assist your client. My id is attached so that you may access my account. Another issue I would like to bring up is the terrible service I received from Capitec bank yesterday as all they said is I don’t know and sorry we cant help you, there is always something that can be done surely?

I have been with you for some time now and I have only had good things to say about you but now that I needed your assistance I get treated like this? Im sorry but I myself am in the customer service game and I can tell you that if you worked where I do you would have been given quite a lashing from management you would want to resign as this is not the way that service is done.

I await your urgent response and trust that you will assist me.

I have just received a call from Capitec and I have been informed that you cannot reverse my payment.

I do not accept this, your consultant told me that due to the interest that it has accumulated you are unable to give me back my funds, what? Did it accumulate R22 000 in 15 days? Please, go and talk nonsense to someone who will buy that.

Capitec, I am requesting my R28 000 back from you people nicely now, please refund me my money, to you its small change but sorry to me it’s quite a lot of money.

I understand that I will not get the full amount back but I’m sure that you cannot penalize me for the whole R28 000??????

MAKE A PLAN TO GET ME MY MONEY BACK!