****py service and *********** staff

I am at this point enraged and disappointed at the same time with the poor service and administration from the Access Facility department. First of all I signed up for the access facility in September 2020. From what I was told, the payments for this loan would come off as debit order, which was never the case in my situation. Capitec would not debit my account and I would make eft transfers to the access account in order for it to be up to date.

During this time, I would call and speak to a consultant concerned why capitec is not processing the debit orders as per the signed contract. I would be advised that they will look into it and get back to me which no one ever did. The months in query which have affected my credit score are March, April and November/December.

March 2021 - Capitec was still not debiting my account. I would sit and wait to see if the debit order will go off or not and the month would end without capitec debiting my account for the loan payment and I would make an eft transfer. My salary comes in on the 24th of each month and even though I would leave money in my account, capitec would not debit. In March 2021, due to capitec's *********** consultants, it was said by capitec that I didn't pay, yet I did and capitec did not stick by their Ts&Cs, which is taking the loan payment via debit order.

The same happened in April 2021, no debit order processed by capitec, yet capitec had the nerve to say I didn't pay.

Debit order was only processed from August 2021, almost a year later since I took the loan and since August 2021 all debit orders have been successful.

Until November 2021, Capitec debits my account on the 24th of each month and in November my account was debited but due to poor service and a nightmare of the allocations department where I was using my airtime almost for 2 weeks after the 25th of November to get this sorted or for the money to be allocated so that it didn't affect yet my credit score. Capitec only allocates the December payment that was debited on the 24th of November from my account on the the 6th of December, now again capitec says I didn't pay on time. What bull**** is that?

I then call now in January and asked for these errors to be corrected and 2 weeks ago an agent advised that this wi be sorted within 7working days and that someone will contact me. 2 weeks later I'm still waiting and this hasn't been sorted.

I am so disappointed with capitec consultants given the good reputation for this bank. What bothers me the most is that Capitec is responsible for damaging my credit history yet capitec would not approve me for anything if I came with this history to apply for anything. Recently I was trying to apply for my daughter's preschool and unfortunately due to capitec's incompetence and poor service, my 4 year old daughter couldn't be accepted due to my poorly rating credit score affected by Capitec. I have raised this so many times and pleaded with capitec that I hope that this poor admin and negligence won't affect my credit score but no this is still not sorted. I resorted to this platform as I am not getting any assistance..

I want this this sorted ASAP.