UNHAPPY CLIENT DUE TO FALSE PROMISE

i joint consumer debt help early this year, my monthly payment was R2004.00. In March or April i had a financial problem then i reversed the debit order. As a single parent a had another problems then reversed another payment.

On the 5th June 2018 i received an sms from the lady called Imalda Motala who said i must contact her urgently on ********** regarding the unpaid debit orders which i did. she send me FNB banking details on my cell and she told me that i must pay and they will re-instate my account but all that was a lie.

On the 19th June 2018 received an email from Zandile notice of intention to suspend my debt counselling, i told Zandile that i already spoke and made arrangement of payment with Imelda and she even send banking details where i should pay. Came 25th June paid the amount using my capitec banking app (R2005.00) On the 24 July received an email from Zandile saying my account is suspended then i reply told her that i already paid in FNB account as promised on 25th June 2018 she told me that Hyphen pda must refund back my money, she the request that i must send my bank statement so that she can forward to Imelda. 1st August 2018 forward my bank statement to Zandile. Later Zandile send email with respond from Imelda in hyphen pda.

The email states.....see below From: Zandile G | CDH ********** Sent: 02 August 2018 02:19 PM To: ********** Subject: FW: Elsie Goratwang Ntanta- ********** 283088

Dear Elsie,

Please see below response from hyphen.

I trust you find the above in order.

Zandile Gwiya Relationship Manager T. +27 21 ********** • F. +27 87 ********** • SWITCHBOARD +27 86 ********** • www.consumerdebthelp.co.za

MANAGER / TEAMLEADER Tafadzwa Shoko | **********

Consumer Debt Help voted SA’s BEST Large Debt Counselling Company at the 2018 SA Debt Review Awards. The views expressed in this email are, unless otherwise stated, those of the author and not those of IDM Holdings (Pty) Ltd or its management. The information in this e-mail is confidential and is intended solely for the addressee. Access to this e-mail by anyone else is unauthorised. If you are not the intended recipient, any disclosure, copying, distribution or any action taken or omitted in reliance on this, is prohibited and may be ********. Whilst all reasonable steps are taken to ensure the accuracy and integrity of the information and data transmitted electronically and to preserve the confidentiality thereof, no liability or responsibility whatsoever is accepted if information or data is, for whatsoever is accepted if information or data is, for whatever reason, *******ed or does not reach its intended destination.

From: Finance ********** Sent: 02 August 2018 02:14 PM To: ********** Subject: RE: Elsie Goratwang Ntanta- ********** 283088

Good day

The funds which client paid into Hyphen PDA’s account were claimed by Hyphen PDA as client had disputed their debit order, after Hyphen PDA had paid their creditors.

There are no funds to refund to the client. Imalda Motala

Hyphen PDA: Finance Assistant

T: +27 (0) 11 **********

Visit us | www.hyphenpda.co.za

Hyphen Technology (Pty) Limited is a part of the FirstRand Group

From: Zandile G | CDH ********** Sent: Thursday, August 02, 2018 9:10 AM To: ********** Cc: ********** Subject: Elsie Goratwang Ntanta- ********** 283088

Good day,

Please refer to the attached bank statement. According to the client she made a deposit to hyphen however we cannot proceed and distribution the deposit as the client’s debt review has been suspended.

Kindly trace and refund the monies using the attached banking details.

I trust you find the above in order.

Zandile Gwiya Relationship Manager T. +27 21 ********** • F. +27 87 ********** • SWITCHBOARD +27 86 ********** • www.consumerdebthelp.co.za

MANAGER / TEAMLEADER Tafadzwa Shoko | **********

Consumer Debt Help voted SA’s BEST Large Debt Counselling Company at the 2018 SA Debt Review Awards. The views expressed in this email are, unless otherwise stated, those of the author and not those of IDM Holdings (Pty) Ltd or its management. The information in this e-mail is confidential and is intended solely for the addressee. Access to this e-mail by anyone else is unauthorised. If you are not the intended recipient, any disclosure, copying, distribution or any action taken or omitted in reliance on this, is prohibited and may be ********. Whilst all reasonable steps are taken to ensure the accuracy and integrity of the information and data transmitted electronically and to preserve the confidentiality thereof, no liability or responsibility whatsoever is accepted if information or data is, for whatsoever is accepted if information or data is, for whatever reason, *******ed or does not reach its intended destination.