Verry dispaointed bad service was misled

I'm verry dispaointed with the way Capitec handle things I was told to send paid up letter and clearnace certificate for my status to be updated and yet this was their response after I send what I was asked to send : Thank you for your correspondence herein.

With reference to your request for removal of the handover status please note that, as per the Capitec Bank credit granting model a client may be considered for rehabilitation (removal of the handover status) if the following criteria is met:

* the client has been handed over for at least 3 years, and

* the client has been paid in full for a minimum of 1 year

* the form 19/clearance is attached if client was previously Under debt review

According to our records the account was handed over on 13/09/2021 and the last payment received by CSS Credit Solutions Services (Pty) according to their records was on 27/08/2025.

Based on the above criteria the request for removal of the handover status is declined. You may contact Capitec Bank for an update after 01/10/2026.

Kind regards

Sindiswa Rashe Agent: Recoveries Admin Retail Recoveries

T +*** F +***0 GPS 33°54’3.7” S 18°37’27.1” E BSE Building, 89 Voortrekker Road, Bellville 7535

PO Box 12451, Die Boord, Stellenbosch 7613 capitecbank.co.za

From: Rafik Kenny <***> Sent: 25 October 2025 3:03 PM To: *** Subject: Re - Status update of Handed over account.