LOAN RESTRUCTURING

OKAY, HERE I AM, COMPLAINING ABOUT THE SAME THING AGAIN. PLEASE CAPITEC BANK, I AM NOW BEGGING YOU TO UNDERSTAND MY SITUATION.

I OBTAINED A LOAN FROM YOUR BANK IN 2014, TO WHICH WE HAVE AGREED ABOUT AN INSTALMENT AT THE TIME, HOWEVER, IT JUST HAPPENED SOON THEREAFTER THAT, I LOST MY JOB AND HAD TO TAKE A JOB WITH A LESSOR SALARY COMPARED TO WHAT I WAS EARNING AT THE TIME. FAST FORWARD, I AM NOW BACK ON MY FEET TRYING TO COMEBACK TO LIFE, THIS IS AFTER SOME FEW YEARS. MY ACCOUNT HAS NOW BEEN HANDED OVER TO A THIRD PARTY, WHICH I HAVE BEEN PAYING AT LEAST R2,500 MONTHLY, TRYING TO AT LEAST SAVE MY IMAGE FROM EMBARASSMENT. I AM NOW BACK ON MY FEET, ENGAGED WITH THE BANK, TRYING TO RESTRUCTURE MY DEBT BECUASE I HAVE GOT A FAMILY TO FEED, KIDS TO LOOK AFTER.

THAT BEING SAID, I HAVE CONSULTED WITH ONE OF YOUR SALES CONSULTANTS ABOUT RESTRUCTURING MY INSTALMENTS, OF COURSE WITH A THOUGHT AT THE BACNK OF MY MIND THAT, OVER THE PAST SO MANY MONTHS, FOR REASONS BEYOND MY CONTROL AT LEAST, I COULD NOT HONOR MY MONTHLY PREMIUS. NOW THIS SALES CONSULTANT, MUCH TO MY SUPRISE, SHE UPRIGHTLY TOLD ME THAT "THE BANK CAN NOT DO ANYTHING AND IS NOT ALLOWED TO ENGAGE WITH YOU ANY FURTHER BECUASE YOU ARE FAILING TO COOPORATE". HOW? I DON'T KNOW.

TO CUT THE LONG STORY SHORT, I HAVE GOT A LIFE TO LIVE, KIDS TO TAKE CARE OF AND ACT LIKE A DAD THEY ALWAYS NEEDED IN THEIR LIVES. I AM NOW BEGGING THE BANK, TO PLEASE COSULT WITH ME, ENTER INTO AN ACCEPTABLE AGREEMENT WITH ME SO THAT I CAN FOCUS ON CLEANSING MY MESS OUT. I KNOW I MIGHT BE LISTED ON THE ITC, BUT AT LEAST, IF THE BANK CAN REACH OUT TO ME AND HEAR MY OUTCRY, I NEED TO PURCHASE A VEHICLE ONES ENTERED INTO AN ACCEPTABLE AGREEMENT WITH YOU GUYS SO THAT I CAN FOCUS ON MY FAMILY.

CAN SOMEONE IN THE AUTHORITY, PLEASE, PLEASE, UNDERSTAND MY SITUATION. I AM BACK ON MY FEET AND WOULD LIKE TO FOCUS ON MY FAMILY. OWING SOMEONE IS TOO EMBARASSING YES, BUT WHEN YOU WANT TO MEND THE RELATIONSHIP AND YOU ARE GIVEN UPRIGHT MIDDLE FINGER, IT BECOMES EVEN MORE PAINFUL.

I BEG SOMEONE TO PLEASE CONTACT ME SO THAT WE CAN RESTRUCTURE MY DEBT, TAKE IT OUT OF ARREARS AT AN ACCEPTABLE TIME SO THAT I CAN START LIVING LIFE AGAIN.

FACT THAT MY ACCOUNT HAS BEEN HANDED OVER TO A THIRD PARTY, CAN'T BE THE END OF MY ENGAGEMENTS WITH YOU. AFTER ALL, IT IS THE BANK WHICH SOLD MY ACCOUNT TO THE THIRD PARTY. AS FOR THE SALES CONSULTANT I SPOKE TO, I DON'T EVEN WANT TO BEGIN TO BEGIN TO EXPLAIN HER SEVER CHARACTERISATION OF ME OVER THE PHONE.