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wilma M
1 reviews | Active since Dec 2012
01 Feb 2023, 09:54
WORSE EXPERIENCE EVER
They do not even deserve a rating... promises was made when we joined them need less to say that did happen... we done with Debt review more than a year already and still we flagged that we still under debt review. You can phone, what's app sent them emails they just do not reply or phone you back... think twice before you use them..
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Replies (3)
Cyber Finance's replyOfficial
01 Feb 2023, 12:29Good day Wilma , as per the NCR Withdrawl Guidelines issued May 2021 , and the Circular issued by the NCR with regard to Updating a consumers Relevant Status Code on the NCR DHS System, you and your spouse Status Code was updated to Status Code F2 " All restructure debts have been settled - Status Code update 2022-01-11 11:10:59 " and we have issued your certified clearance certificate on the same day 11-11-2022. I think your comment and releflection on our service provided to you is very unfair. I have had numerous emails and communication with yourself and Sanlam , Izwe Loans , as the issue at hand is not the debt review flag reflecting on your credit bureaus profile. ( as we have proof that your debt review flag has been removed with the 5 Major Credit Bureaus ,namely TransUnion , Compuscan, XDS , Experian and Vericred . Your issue should be re-directed towards Sanlam Personal Loans 3 (PTY) Ltd that issued a Loan on behalf of Izwe Loans prior to you coming under debt review with myself. And neither Iswe Loans or Sanlam Personal Loans ( is taking accountability for updating and marking that specific account as Closed or Paid Up on your credit bureau profile. As your debt counsellor ( i do not have that powers) , it is the credit providers responsibility to notify all credit bureaus. As per Section 72(b)(i) & Section 71(c)(i)(ii) you may report this matter to the NCR and instruct them to investigate as to why Sanlam Personal Loans 3 (Pty) Ltd and Izwe Loans ( has not marked your account as paid up) , and you can lodge a dispute with Experian *** . As for your debt review flag on your name , this has been removed from All credit bureaus more than a year ago. I will contact your shortly and reaffirm that you are not under debt review - Regards HJO Overbeek - NCRDC3022
Cyber Finance's reply01 Feb 2023, 12:29
Official
Good day Wilma , as per the NCR Withdrawl Guidelines issued May 2021 , and the Circular issued by the NCR with regard to Updating a consumers Relevant Status Code on the NCR DHS System, you and your spouse Status Code was updated to Status Code F2 " All restructure debts have been settled - Status Code update 2022-01-11 11:10:59 " and we have issued your certified clearance certificate on the same day 11-11-2022. I think your comment and releflection on our service provided to you is very unfair. I have had numerous emails and communication with yourself and Sanlam , Izwe Loans , as the issue at hand is not the debt review flag reflecting on your credit bureaus profile. ( as we have proof that your debt review flag has been removed with the 5 Major Credit Bureaus ,namely TransUnion , Compuscan, XDS , Experian and Vericred . Your issue should be re-directed towards Sanlam Personal Loans 3 (PTY) Ltd that issued a Loan on behalf of Izwe Loans prior to you coming under debt review with myself. And neither Iswe Loans or Sanlam Personal Loans ( is taking accountability for updating and marking that specific account as Closed or Paid Up on your credit bureau profile. As your debt counsellor ( i do not have that powers) , it is the credit providers responsibility to notify all credit bureaus. As per Section 72(b)(i) & Section 71(c)(i)(ii) you may report this matter to the NCR and instruct them to investigate as to why Sanlam Personal Loans 3 (Pty) Ltd and Izwe Loans ( has not marked your account as paid up) , and you can lodge a dispute with Experian *** . As for your debt review flag on your name , this has been removed from All credit bureaus more than a year ago. I will contact your shortly and reaffirm that you are not under debt review - Regards HJO Overbeek - NCRDC3022
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wilma M's updateReviewer Update
01 Feb 2023, 12:57It's very funny that you said FNB lifted everything but not the other banks... WHY? WHY DID YOUR COMPANY NOT FOLLOWED UP WITH THE OTHER BANKS. AGAIN WHAT YOU PROMISE YOUR CLIENTS AND WHAT YOU DO IS 2 DIFFERENT STORIES...
ABOUT SANLAM PERSONAL LOANS....
WHO DID YOU PAY ? SANLAM OR IZWE LOANS? WHO EVER COLLECTED THE MONEY EVERY MONTH SHOULD TAKE OUR NAME OFF AGAIN YOU GUYS NEVER FOLLOWED UP. WE PAID YOU A SERVICE FEE AND FOR WHAT SO THAT WE HAVE TO DO YOUR WORK.
YES YOU PHONED ME NOW AND YES I DID DROPPED THE PHONE COZ THE WAY YOU TALK TO ME SCREAMING NOT EVEN MY SPOUSE TALK TO ME LET YOU DID. LEARN HOW TO COMMUNICATE AND RESOLVE ME PROBLEM.
ABOUT SANLAM PERSONAL LOANS....
WHO DID YOU PAY ? SANLAM OR IZWE LOANS? WHO EVER COLLECTED THE MONEY EVERY MONTH SHOULD TAKE OUR NAME OFF AGAIN YOU GUYS NEVER FOLLOWED UP. WE PAID YOU A SERVICE FEE AND FOR WHAT SO THAT WE HAVE TO DO YOUR WORK.
YES YOU PHONED ME NOW AND YES I DID DROPPED THE PHONE COZ THE WAY YOU TALK TO ME SCREAMING NOT EVEN MY SPOUSE TALK TO ME LET YOU DID. LEARN HOW TO COMMUNICATE AND RESOLVE ME PROBLEM.
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wilma M's update01 Feb 2023, 12:57
Reviewer Update
It's very funny that you said FNB lifted everything but not the other banks... WHY? WHY DID YOUR COMPANY NOT FOLLOWED UP WITH THE OTHER BANKS. AGAIN WHAT YOU PROMISE YOUR CLIENTS AND WHAT YOU DO IS 2 DIFFERENT STORIES...
ABOUT SANLAM PERSONAL LOANS....
WHO DID YOU PAY ? SANLAM OR IZWE LOANS? WHO EVER COLLECTED THE MONEY EVERY MONTH SHOULD TAKE OUR NAME OFF AGAIN YOU GUYS NEVER FOLLOWED UP. WE PAID YOU A SERVICE FEE AND FOR WHAT SO THAT WE HAVE TO DO YOUR WORK.
YES YOU PHONED ME NOW AND YES I DID DROPPED THE PHONE COZ THE WAY YOU TALK TO ME SCREAMING NOT EVEN MY SPOUSE TALK TO ME LET YOU DID. LEARN HOW TO COMMUNICATE AND RESOLVE ME PROBLEM.
ABOUT SANLAM PERSONAL LOANS....
WHO DID YOU PAY ? SANLAM OR IZWE LOANS? WHO EVER COLLECTED THE MONEY EVERY MONTH SHOULD TAKE OUR NAME OFF AGAIN YOU GUYS NEVER FOLLOWED UP. WE PAID YOU A SERVICE FEE AND FOR WHAT SO THAT WE HAVE TO DO YOUR WORK.
YES YOU PHONED ME NOW AND YES I DID DROPPED THE PHONE COZ THE WAY YOU TALK TO ME SCREAMING NOT EVEN MY SPOUSE TALK TO ME LET YOU DID. LEARN HOW TO COMMUNICATE AND RESOLVE ME PROBLEM.
Cyber Finance's replyOfficial
01 Feb 2023, 15:28As per our telephonic conversation , today. I have emailed you the confirmation letters from Nedbank , Absa and FNB all confirming that you have been exited from debt review. Should you have any further hassles with them please reach out to me , HJO Overbeek NCRDC3022
Cyber Finance's reply01 Feb 2023, 15:28
Official
As per our telephonic conversation , today. I have emailed you the confirmation letters from Nedbank , Absa and FNB all confirming that you have been exited from debt review. Should you have any further hassles with them please reach out to me , HJO Overbeek NCRDC3022