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Ms M

1 reviews | Active since Feb 2019

15 Apr 2019, 13:43

Unnecessary Charges

Good Day,

On the 22 of May 2017 I took a Personal Loan with Sanlam for an amount of R50 000.00. with a monthly instalment of R1780.00.The account was paid monthly until I started financial challenges in 2018 but I have since been making monthly payment on my account.I need clarity with regards to the following: *Why do I keep receiving calls from Sigma *********** Consultants if the accounts is paid monthly? *Why is the balance not updated on Transunion or Experian? *The balance at Sanlam reflects as R37 309.60,Sigma R43 266.56 ,Transunion R57 310.00,why is there inconsistency? *Why am I charged the penalty fee and commission fee? *Why is Sigma not able to tell me what the arrears amount on the account is? *Can I get a breakdown of how the commission and penalty fee is calculated? *Can I also get a detailed statement of the account from inception until date? *The consultant who phoned me today told me the instalment on the accout is R2200.00,How did the instalment go up to R2200.00 if the contract clearly stipulates that the monthly instalment is R1780.00? *If the account was handed over to Sigma due to non payment,Why is still with them if the arrears amount is paid up to date? *If ever there's any LEGAL ACTION taken,can someone care to explain to me what steps were followed to institute such? *Was there any Default Judgement granted/obtained?

I am so dissapointed with the manner in which the account is being handled by both Sigma and Sanlam,Yes,I was in arrears but that does not mean the institutions has a right to do as they please with my account because this has a negative impact on my account.If indeed the account was handed over due to non payment,it should have now went back to Sanlam as it is paid up to date.

It really pains me to be treated like an irresponsible Debtor whereas I am trying my level best to get the paid up the soonest.

Dissapointed Client,

0
Replies (7)
Digicall
Digicall's reply15 Apr 2019, 14:10
Official
Good Day M Maphefo,

Firstly please accept my apologies for any inconvenience this has caused.

Kindly note that I am in receipt of your communication.

In order that I can assist you further, can you please provide me with a contact telephone number so that I can forward it to the relevant department. You may send the details here or directly to Sigma on  ***

I will refer this to the relevant department as a matter of urgency and you can expect a call back from Management by cob today, once we are in receipt of your contact telephone number.

I trust this is to your satisfaction

Kind Regards
M Karim
Quality Assurance Manager


Best regards,

MM
Ms M's update19 Apr 2019, 13:03
Reviewer Update
Good Day, I have since been waiting for feedback and I have not been contacted. The requested information was provided but up until now, nobody has bothered to contact me
Digicall
Digicall's reply23 Apr 2019, 08:22
Official
Good Morning Raesetje Mphahlele,

Firstly kindly note that the office was closed on Friday 19th and Monday 22nd due to Easter hence the response today.

I forwarded your information to the relevant department and was advised that they had attempted to make contact with you to no avail. I see you sent an email, I presume you can be contacted via email?

I will investigate further this morning and respond accordingly.

Please accept my apologies for any inconvenience caused.

Also kindly note that you can make direct contact if you send your query to ***


Kind Regards
M Karim

Quality Assurance Manager



Best regards,

MM
Ms M's update03 May 2019, 14:27
Reviewer Update
Good Day,I have since been waiting for feedback regarding the above query logged.I want to settle my account and have my credit profile updated.I am so dissapointed beyond measure,Sigma does not care about customers all they care about is Collections.In April I was told that the settlement on the account is R32 000.00 and some odds and this was communicated to me 4 different consultant.After the complaint was logged the case was assigned to Muneeb Van Niekerk whom seemed to have no idea what the complaint was about.I gave him a brief background and also asked him to request the full contents from the Case Manager and it seemed not to have been done.I have then proposed to pay the settlement amount of R27 000.00 as that was the only amount i had at the time.He said he will send the proposal through to the client and revert to me,He failed to do that,I had to phone him myself 3 days after the proposal was sent and was told the proposal was declined with no reason provided.On the 29th of April I paid R1780.00 into the account and yesterday the 2nd of May ,I phoned in and requested the settlement figure .The lady that I spoke with told me that the settlement figure is R33632.97 ,and they dont have any record of the payment made on 29/04/2019.I have since sent her the proof of payment where i was told that they subtract the instalment paid on the 29th April from the R33632.97.I am really frustrated by this ,Why is the settlement amount not reducing if the payment has been done and instead its going up?Why am i being charged ridiculous collection fees if I am the one who has been phoning Sigma not the other way round?Is this how Sigma deals with the Account Holders because they have nothing to loose ,all they care about is collectuion.Am so frustrated and want nothing to with Sigma.All I want is answers to questions asked above and the accurate settlement figure.I want nothing to do with sigma anymore.Give me feedback
Digicall
Digicall's reply03 May 2019, 15:13
Official
Good Day Maphefo M,

Please accepy my apologies for any inconvenience this has caused.

I am in receipt of your complaint and am referring it to the relevant department.

I will personally deliver this to the Operations Manager of the department for her to action as a matter of urgency.

Trust this is to your satisfaction.

Kind Regards
M Karim
Quality Assurance Manager

Best regards,

MM
Ms M's update09 May 2019, 08:30
Reviewer Update
It has been almost a week since I was promised feedback and yet again nothing has been done.wow..This is bad service at its level best.No sense of urgency whatsoever,I really wonder if Sigma is regulated because really it seems like you are not regulated hence Customer's Queries and Complaints are not attended to.It is indeed a mission for one to get answers and a settlement letter from Sigma.
Digicall
Digicall's reply09 May 2019, 09:06
Official
Good Day M Maphefo.

I am in receipt of your follow up complaint. Please once again accept my apologies for any inconvenience caused. I have checked in with the Operations Manager for the department and she will be actioning a feedback to you as oon as possible.

Kind Regards
M Karim

Best regards,