Urgent Request for Assistance in Resolving *****ulent Loan Situation

Dear Capitec Team,

I hope this message finds you well. I am writing to you in a state of deep distress and with a heavy heart regarding a situation that has had a significant and negative impact on my life. Recently, I discovered that my name has been listed with the South African ***** Prevention Service (SAFPS) due to a *****ulent loan application that was made in 2022. I want to make it absolutely clear that I did not apply for this loan, nor did I give anyone permission to use my personal details for this purpose.

The loan application was submitted using my ID, cellphone number, and email address. I believe my personal information may have been compromised when I sold my phone earlier in 2022, which could have exposed my details to the individual responsible for this *****. At the time of the loan application, my surname was still “Natus,” as reflected in my bank records, which I believe serves as crucial evidence that I could not have app**** for the loan, as my surname had not yet been updated across all of my documents.

I have already reached out to Capitec, and while you have acknowledged the *****ulent nature of the loan, I have been told that my name cannot be removed from the SAFPS list due to the records you hold. This response has left me feeling incredibly distressed, as I am the victim of identity theft, yet it feels as though I am being treated as the perpetrator. This situation not only affects my financial future but also breaches my rights under the Protection of Personal Information Act (POPIA), which safeguards individuals' personal information against misuse.

The consequences of this ***** are having a serious effect on my life, particularly when it comes to important milestones such as purchasing a home. I am now facing significant hurdles because of something I did not do, and I am left feeling helpless and frustrated as the situation continues to affect my future.

Under South African law, the victim of identity theft has the right to clear their name and seek remedy for the damage caused by *****. As the victim here, I am entitled to have my case reassessed, and I respectfully request that Capitec re-evaluate its stance on this matter. In accordance with POPIA, I also request that Capitec work with the relevant authorities to rectify this situation promptly, as the continuing presence of my name on the SAFPS list is causing unjust harm to my reputation and my ability to engage in essential life activities such as securing financial products and property.

I kindly ask for your intervention and understanding in helping to resolve this matter. Despite the clear evidence that I am the victim here, I feel that I am not being fully heard or supported. I am left wondering why I was not notified when this *****ulent loan was first detected three years ago, and why no action was taken sooner. It is deeply disheartening to find myself still suffering the consequences of a crime I did not commit.

I have lodged a dispute with SAFPS, but they have refused to remove my name based on Capitec’s records. I feel trapped in a system that is not recognizing my situation as a victim of *****. It is extremely upsetting that, despite my efforts, this issue is not being fully addressed.

All I am asking for is fairness and understanding. I am the victim of a crime, and I should not be forced to continue bearing the repercussions of this situation. Please assist me in clearing my name so that I can move forward with my life. With your help, I am hopeful that we can resolve this matter in a way that will allow me to regain my peace of mind and secure a better future.

Thank you for your attention to this urgent and distressing issue. I look forward to your response and hope for a swift and compassionate resolution.

Kind regards, Alicia Hendricks