Debt Councillor ( Debt Eraser/NPDA)

Debt Councillor ( Debt Eraser/NPDA) On Thursday 31.10.2019 my vehicle has been taken from me where they present a court order that it must be returned to Wesbank. After attempt showing them my bank account as proof that I have regularly did payments without delays. They kept on telling me that my debt review has been cancelled from March 2018. In my attempt to contact Debt Review told me not to let them in or hand over the vehicle. I could not do anything as they blocked me in and was prepared to tow my vehicle away if I do not hand over the keys. I refused to hand over the keys till Debt Review phone me back which never happened and unlock my vehicle to remove all my personal belongings. Even though I could proof on the spot that I am not in the wrong they kept on telling me they must take the vehicle. I have asked them how will I be able to go to work where the white guy, the Sherriff informed me, walk with your feet, phone an Uber or commute with a taxi. The humiliation I went through I cannot describe at the age of 59. After numerous e mails, WhatsApp’s, attempts to get answers from Debt Eraser, why??? My vehicle is paid to date by me but seems not by Debt Erase as per email received from Johan Rossouws Attorneys. It’s month later of suffering to get to work in time and back home I still do not have answers and my vehicle. 22.11.2019 I send an email to the Attorneys who app**** for the court order, this is the reply: In an attempt to assist you a bit of factual background might help 1. You app**** for debt review in 2017. No Proposal was sent by your Debt Councillor (DC) Debt Councillor ( Debt Eraser/NPDA) within the required 3 months, so our offices were instructed to proceed with legal action; E mail I have received stating I am under debt review Christina Pillay(Debt Counsellor) <***> Mon, Apr 3, 2017, 4:14 PM to Debteraser, Claudine Good Day,

I trust you are well.

We thank you for making your 2ND payment towards your Debt Review application. Your payments have been received and allocated to your account at DebtEraser.

We are now busy with your Proposal which will show you the restructure of each account in accordance with our discussions.We will discuss with you during the course of the month.

KINDLY NOTE IF YOU WERE ON A DEBIT ORDER: The debit order was only Set for payment of your Fees.(Dc fee & Legal fee) From end of April you are required to do a Deposit or Eft payment into the account provided below: NEDBANK CHEQUE / TRUST ACCOUNT ACCOUNT NAME - NPDA ACCOUNT NUMBER - *** BRANCH CODE - 149745 Please use you ID NUMBER as reference.

If you are having any difficulties with creditors please advise us immediately. Note that you WILL still receive calls from the creditors. All you need to do is take down the persons name and number and email to me.

If you also may know of anyone else that needs financial assistance, please send through their details I can assist. This could be a friend/colleague or family member.

Below is a list of email addresses that you can also keep in contact with: 1) *** - For all queries or concerns on your debt review application 2) *** - For any Advice on our Insurance products 3) *** - Sales Manager ( queries or compliments) 4) *** - General Manager (All escalated queries - should you receive no response from myself) 5) *** - Accounts Manager ( Payment & Legal queries)

Please do not hesitate to contact me should you have any concerns.

Kind Regards Mrs Christina Pillay Debt Solution Specialist/Counsellor

2. No payments, of any nature, normal or reduced, were received by our client in this time When required a statement all payments made by me as well as all payments allocated to the various debtors and zeroed at the end of the month so there is no ways I could see that none has been paid over to any!! 3. The relevant letters and summons were served. Thereafter, your attorneys , N van Dommelin entered an appearance to oppose the case. We app**** for summary judgment and judgement was proceed with and on the 20th of March 2018, judgement was granted in Wesbank’s favour. Thereafter a warrant for the delivery and return of Wesbank’s vehicle was issued.

4. Whilst all this was going on your DC Debt Councillor ( Debt Eraser/NPDA) and attorneys on record still delayed excluding Wesbank’s account from the debt review process.

5. We kept requesting a draft order noting the exclusion but received no feedback from the DC Debt Councillor ( Debt Eraser/NPDA) on record. Apparently, after you were placed under debt review, you transferred to another DC Debt Councillor ( Debt Eraser/NPDA) (that was the reason why the proposal was allegedly not submitted within the required 3 months). That information, however, was never conveyed to Wesbank within time or at all; My email dd 13.04.2018

Apr 13, 2018, 2:51 AM to Nitesh, Dhiya, Christina, Claudine, Debteraser Good day

I am forwarding all documentation regarding all payments and documentation that has started in Feb 2017. Can anybody explain to me why all has to be redone? Why do I not receive any statements and yet every month I do pay firstly R5500.00 then after a increase it went up to R 5700.00 and now I receive again forms an letter to be completed all over.

Have you lost my documentation ? Nobody is giving me an explanation around the summons on my Wesbank account and on the statement it shows payment to Wesbank

Please advise accordingly

6. After a long process and filing of opposing papers, your attorneys withdrew the application on 12/06/2019 at Pretoria Central Magistrate Court.

7. Our advice to you is to follow up with your appointed Debt Councillor Debt Councillor ( Debt Eraser/NPDA) and attorneys for the details you seek. It seems that you believe that there was a proposal which was accepted which is not the case. We cannot provide the information requested as our debt review file is closed although our repossession file is still active. Which explain why I do not get any direct answers from anybody in Debt Eraser.