1 reviews | Active since Jan 2017
Bad Service
Good day I am a victim of ADCAP (Administrators of the Debt Counselling Application Process) They put me in more debt than when i joined by more than R100000.00 There is no transparency between ADCAP and their Client as I have put a complaint before about the contract between client & ADCAP + Financing Bank & ADCAP. Till today I have no response no proof as per request to any of agreements. I lost my car because of Debtsafe and they did nothing about it, I am also terrified to lose my house. Capitec is currently building a case against me as well. As a paying client to Debtsafe I am dissatisfied with how my finances are handled, apparently Standard Bank Claims Debt Council is not paying them what was agreed upon on the contract initially which resulted with arrears of two years. Now my life is in shambles because Sheriffs took the car as they were harassing me. I have come to a conclusion for you ADCAP to pay me back all the money you took from me without doing a legitimate business, so I can pay the bank on my own like I used to. I trusted them and they did not deliver what they promised. Cases are costing me my name as it is dragged in the mud.
Case no: 84295 / 2016 is about the car & Case number: 13309/17 is about payments. I just want to clear my name and not pay for arrears that were not done by me.
Thank you
You app**** for debt review on the 9th of January 2015.
Please take note the amount you pay is calculated according to your affordability, according to a budget that you complete. Please understand that we can only pay the creditors with money that you have made available.
In 2015 your payment plan was discussed with you and an email was sent to you.
The following was placed on record that the proposals did not adhere to the principles and guidelines laid down by the National Credit Regulator and Industry. Some of the proposals exceeded the time periods for payment and or did not make payment of the acceptable minimum instalments. We respectfully submitted that you should have considered an increase in your rehabilitation amount in order to enable ourselves to make a better and more acceptable payment proposal.
We also mentioned in the email that we have received a counter offer from Capitec and requested more money specifically for the account.
On the 4th of October 2016 we notified you about a counter offer that we have received from Standard Bank and if you could increase your monthly instalment to accommodate the counter offer.
We however did not receive any response from you regarding both counter offers.
In December 2016 you confirmed that the extra funds can be added.
Standard Bank issued a summons on the 31st of October 2016 and was delivered at Unit 204 Los Alamos, Montrose A, Northriding being the chosen domicilium citandi et executandi. The summons were not provided to us which caused for us to not be able to defend or assist you regarding the summons.
Please note that should counter offers not be accommodated this will lead to the fact that no agreement could be reached with your credit providers and this also causes arrears on your accounts. The credit provider will then measure the account as per the original credit agreement due to the fact that there is no other acceptable agreement in place. This is also the reason why your credit providers are referring to the arrears and payments not being made as per the original credit agreements.
Please be advised that the monthly instalments you made towards your debt review, were allocated towards your creditor providers as per the monthly statements you receive and can therefore not be refunded back to you as requested.
I trust you will find it in order.
Kind regards,
Heidi Bekker
Quality Assurance & Compliance Officer
Best regards,
You app**** for debt review on the 9th of January 2015.
Please take note the amount you pay is calculated according to your affordability, according to a budget that you complete. Please understand that we can only pay the creditors with money that you have made available.
In 2015 your payment plan was discussed with you and an email was sent to you.
The following was placed on record that the proposals did not adhere to the principles and guidelines laid down by the National Credit Regulator and Industry. Some of the proposals exceeded the time periods for payment and or did not make payment of the acceptable minimum instalments. We respectfully submitted that you should have considered an increase in your rehabilitation amount in order to enable ourselves to make a better and more acceptable payment proposal.
We also mentioned in the email that we have received a counter offer from Capitec and requested more money specifically for the account.
On the 4th of October 2016 we notified you about a counter offer that we have received from Standard Bank and if you could increase your monthly instalment to accommodate the counter offer.
We however did not receive any response from you regarding both counter offers.
In December 2016 you confirmed that the extra funds can be added.
Standard Bank issued a summons on the 31st of October 2016 and was delivered at Unit 204 Los Alamos, Montrose A, Northriding being the chosen domicilium citandi et executandi. The summons were not provided to us which caused for us to not be able to defend or assist you regarding the summons.
Please note that should counter offers not be accommodated this will lead to the fact that no agreement could be reached with your credit providers and this also causes arrears on your accounts. The credit provider will then measure the account as per the original credit agreement due to the fact that there is no other acceptable agreement in place. This is also the reason why your credit providers are referring to the arrears and payments not being made as per the original credit agreements.
Please be advised that the monthly instalments you made towards your debt review, were allocated towards your creditor providers as per the monthly statements you receive and can therefore not be refunded back to you as requested.
I trust you will find it in order.
Kind regards,
Heidi Bekker
Quality Assurance & Compliance Officer
Best regards,