UNAUTHORISED ********** SET OFF APPLICATION

I have been with capitec since ever and this is my 1st bank I have never borrowed money from Capitec or any bank note that I don't owe anybody anything and Capitec is busy playing me a fool note that every cent count!!!

On Friday 11th there was a double deduction on my Savings account then Stopped the Card on the App then the following day, Saturday 12th Capitec went through my Hope Account which was a Fixed before and took R876.14 Accordingly this is not a Savings Account!

I went straight to Capitec Riverwalk branch the double debit deductions were reversed and made a new card which I was charged due to their negligence between Capitec and Nedbank. The Set Off was not explained instead I was told that I must wait for 24hrs for the money to appear back in my Account fearing that Capitec is busy **********ing my Account I transferred all my money to my husband Capitec Account at this moment today Wednesday, September 16th which is the 4th day since I was told the money will be back in my Account I have no idea what is happening I want my money back!!!

In terms of Sec124 of the NCA, the creditor must comply with the following process before a set-off can be app**** –

The consumer must provide consent and authorisation, which specifies the account/s from which the set-off will be app**** to. In respect of which amounts the set-off is to be app**** to. In respect of which obligations must the set-off be effected against.

Please Capitec I want my money back R876.14.