Incident ***4

<p>Good evening,</p> <p> </p> <p>Yes another complaint about Capitec Bank.</p> <p>I placed a query with them on the 16th of May and got the following response:</p> <p>Good day</p> <p>Thank you for your enquiry. </p> <p>An Agent will respond to your enquiry within 2 working days. Please provide the following reference number in all related future correspondence: Incident ********** 4</p> <p>Kind regards</p> <p>Capitec Bank</p> <p> </p> <p>On the 17th of May I got the following:</p> <p>Good day Mrs Rodney</p> <p> </p> <p>Thank you for your email.</p> <p> </p> <p>Apologies for the inconvenience and the frustration caused.</p> <p> </p> <p>Please be advised that I have forwarded your request to our Collections department. One of the consultants will liaise with you directly. </p> <p> </p> <p>Alternatively you may contact them directly on ***.</p> <p> </p> <p>Kind regards</p> <p> </p> <p>Thandokazi Boyce <br />Agent: Service Admin<br />BSC: Service Administration</p> <p> </p> <p>Surprise surprise still no call.</p> <p> </p> <p>But you miss one payment due to tough times and believe me you get treated like you're a ********. Does everyone sail through life or do sometimes of us actually have to endure tough times?</p> <p> </p> <p>I have two loans with Capitec and a Credit Card.</p> <p> </p> <p>Capitec refused to help my husband as they believe his company are high risk yet his salary has been paid into his account.</p> <p> </p> <p>Nevertheless my loan was two months old and I could already see I wouldn't manage the payment.</p> <p> </p> <p>I phoned into the customer care line no pun intended, explained my situation and not as much as okay let me try help by reducing your amount and extend the loan terms. Nothing! You are made out to feel stuck and no way to turn.</p> <p> </p> <p>End of month comes as you really cannot afford the loan payment and get asked why you haven't paid. Seriously! Oh I'm sorry life happened and getting food in my children's bodies and paying for a roof over our heads seemed more important at the time.</p> <p> </p> <p>Please explain to me why I should be phoning the collections department which I already did and got no joy from. Yes the one lady extended my terms however there is no paperwork or a follow-up in writing that has come forth for me to sign and return therefore I could contest this as Capitec is most proficient is making sure you can't do much over a phone unless you visit a branch.</p> <p> </p> <p>I requested for funds to be recalled as there were unauthorized debits which could food on our table and contribute towards travelling costs.</p> <p> </p> <p>Yet I get told sorry but due to your loan being in arrears by one month any money that gets deposited will go against your loan account yet it's not even the installment amount.</p> <p> </p> <p>Myself and my husband will be banking else where.</p> <p> </p> <p>Thank you Capitec for making us feel unwelcome and that we are not valuable customers.</p> <p> </p> <p>Wonder how many more clients you will loose.</p> <p> </p> <p>Capitec Hillcrest KZN my husband came to apply for a loan beginning of May and was turned away due to payslip yet it was certified. However the Watercrest KZN branch was more than willing to accommodate him. Please explain?</p> <p> </p> <p>I am really not impressed by the service I've received.</p> <p> </p> <p>Wonder how you are intending to fix this.</p> <p> </p>