MP
Michelle P
1 reviews | Active since Oct 2025
27 Mar 2026, 09:23
FORMAL COMPLAINT & CEASE AND DESIST: Account ***
Direct Axis
FORMAL COMPLAINT & CEASE AND DESIST: Account ***
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Replies (6)MP
Michelle P's updateReviewer Update
27 Mar 2026, 09:25 I am writing to lodge a formal complaint regarding the persistent harassment and inaccurate billing concerning the above-mentioned account. Despite settling this debt in full in November 2023, I continue to be subjected to daily collection calls. Background of the Dispute:
The continued pursuit of a settled debt, coupled with the failure to provide a paid-up letter, constitutes a breach of the National Credit Act (NCA) and the Debt Collectors Act. Specifically, I dispute the validity of any "balance" remaining on this account following the November 2023 settlement. Formal Demands:
In terms of Section 72 of the NCA, I hereby demand that you provide the following within 7 (seven) calendar days:
- Inconsistent Settlement Quotes: In early 2023, I was provided a settlement figure of R73,000. By mid-2023, this figure inexplicably increased by R21,000 to R94,000, despite ongoing payments and retrenchment cover (credit life insurance) being active since March 2022.
- Full and Final Payment: On 10 November 2023, I paid the demanded settlement amount of R94,000.
- Communication Gap: Between November 2023 and January 2026, I received no communication suggesting an outstanding balance. The sudden resumption of daily collection calls is both procedurally irregular and constitutes harassment.
The continued pursuit of a settled debt, coupled with the failure to provide a paid-up letter, constitutes a breach of the National Credit Act (NCA) and the Debt Collectors Act. Specifically, I dispute the validity of any "balance" remaining on this account following the November 2023 settlement. Formal Demands:
In terms of Section 72 of the NCA, I hereby demand that you provide the following within 7 (seven) calendar days:
- A formal Paid-Up Letter reflecting a R0.00 balance.
- Written confirmation that all Credit Bureaus (TransUnion, Experian, etc.) have been updated to reflect the "Paid in Full" status.
- Immediate cessation of all collection activities and telephonic harassment.
MP
Michelle P's update27 Mar 2026, 09:25
Reviewer Update
I am writing to lodge a formal complaint regarding the persistent harassment and inaccurate billing concerning the above-mentioned account. Despite settling this debt in full in November 2023, I continue to be subjected to daily collection calls. Background of the Dispute:
The continued pursuit of a settled debt, coupled with the failure to provide a paid-up letter, constitutes a breach of the National Credit Act (NCA) and the Debt Collectors Act. Specifically, I dispute the validity of any "balance" remaining on this account following the November 2023 settlement. Formal Demands:
In terms of Section 72 of the NCA, I hereby demand that you provide the following within 7 (seven) calendar days:
- Inconsistent Settlement Quotes: In early 2023, I was provided a settlement figure of R73,000. By mid-2023, this figure inexplicably increased by R21,000 to R94,000, despite ongoing payments and retrenchment cover (credit life insurance) being active since March 2022.
- Full and Final Payment: On 10 November 2023, I paid the demanded settlement amount of R94,000.
- Communication Gap: Between November 2023 and January 2026, I received no communication suggesting an outstanding balance. The sudden resumption of daily collection calls is both procedurally irregular and constitutes harassment.
The continued pursuit of a settled debt, coupled with the failure to provide a paid-up letter, constitutes a breach of the National Credit Act (NCA) and the Debt Collectors Act. Specifically, I dispute the validity of any "balance" remaining on this account following the November 2023 settlement. Formal Demands:
In terms of Section 72 of the NCA, I hereby demand that you provide the following within 7 (seven) calendar days:
- A formal Paid-Up Letter reflecting a R0.00 balance.
- Written confirmation that all Credit Bureaus (TransUnion, Experian, etc.) have been updated to reflect the "Paid in Full" status.
- Immediate cessation of all collection activities and telephonic harassment.
MP
Michelle P's updateReviewer Update
15 Apr 2026, 13:54Good day,
I still don't have any feedback or letter from Direct Axis regarding my complaint
I still don't have any feedback or letter from Direct Axis regarding my complaint
MP
Michelle P's update15 Apr 2026, 13:54
Reviewer Update
Good day,
I still don't have any feedback or letter from Direct Axis regarding my complaint
I still don't have any feedback or letter from Direct Axis regarding my complaint
MP
Michelle P's updateReviewer Update
15 Apr 2026, 15:55Email received
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image.png 87.21 KB
MP
Michelle P's update15 Apr 2026, 15:55
Reviewer Update
Email received
image.png 87.21 KB
image.png 87.21 KB
MP
Michelle P's updateReviewer Update
15 Apr 2026, 15:57Email received 15/04/2026
CRM DirectAxis | 14:53 (1 hour ago) | |
to meGood Day Ms Ackerman Our claims department require the below information: In order to assess the claim, we require the following documents:
Service Recovery Advisor
Personal & Private: Chief Operating OfficeCOO Business Unit | +***0
First National Bank. A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
For more information regarding the full legal disclaimer pertaining to this email, visit our website or download the FNB App.
CRM DirectAxis | 14:53 (1 hour ago) | |
to meGood Day Ms Ackerman Our claims department require the below information: In order to assess the claim, we require the following documents:
- Personal Medical Attendants Report fully completed by the client’s treating specialist.
- Proof of loss of income i.e. Letter from the employer confirming the reason for termination of employment and date.
Service Recovery Advisor
Personal & Private: Chief Operating OfficeCOO Business Unit | +***0
First National Bank. A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
For more information regarding the full legal disclaimer pertaining to this email, visit our website or download the FNB App.
MP
Michelle P's update15 Apr 2026, 15:57
Reviewer Update
Email received 15/04/2026
CRM DirectAxis | 14:53 (1 hour ago) | |
to meGood Day Ms Ackerman Our claims department require the below information: In order to assess the claim, we require the following documents:
Service Recovery Advisor
Personal & Private: Chief Operating OfficeCOO Business Unit | +***0
First National Bank. A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
For more information regarding the full legal disclaimer pertaining to this email, visit our website or download the FNB App.
CRM DirectAxis | 14:53 (1 hour ago) | |
to meGood Day Ms Ackerman Our claims department require the below information: In order to assess the claim, we require the following documents:
- Personal Medical Attendants Report fully completed by the client’s treating specialist.
- Proof of loss of income i.e. Letter from the employer confirming the reason for termination of employment and date.
Service Recovery Advisor
Personal & Private: Chief Operating OfficeCOO Business Unit | +***0
First National Bank. A division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20).
For more information regarding the full legal disclaimer pertaining to this email, visit our website or download the FNB App.
MP
Michelle P's updateReviewer Update
15 Apr 2026, 15:59Reply on email received:
Good day,
Please find attached as requested.
1) IUA Medical Attendant's Report together with Cardiologist Reports dated Aug 2016, Aug 2017, Oct 2018, Jan 2020, Nov 2021. Reports were emailed and uploaded online on https://selfservice.iua.co.za
2) Cardiologist Reports dated May 2003, Jun 2003, Feb 2005, Apr 2006, Jul 2007, Feb 2009, Aug 2010, Aug 2011, Aug 2012, Aug 2013, May 2014, Jan 2015. 3) Retrenchment & UI19 Forms Emailed 20 April 2022 16:15 to ***
4) Doctors Confirmation Letters 2026 Emailed 27 February 2026 13:11 to *** & ***
5) Cardiologist letter dated July 2022
Please confirm receipt of these documents and advise if any further information is required.
Kind regards,
MS Ackerman
Good day,
Please find attached as requested.
1) IUA Medical Attendant's Report together with Cardiologist Reports dated Aug 2016, Aug 2017, Oct 2018, Jan 2020, Nov 2021. Reports were emailed and uploaded online on https://selfservice.iua.co.za
2) Cardiologist Reports dated May 2003, Jun 2003, Feb 2005, Apr 2006, Jul 2007, Feb 2009, Aug 2010, Aug 2011, Aug 2012, Aug 2013, May 2014, Jan 2015. 3) Retrenchment & UI19 Forms Emailed 20 April 2022 16:15 to ***
4) Doctors Confirmation Letters 2026 Emailed 27 February 2026 13:11 to *** & ***
5) Cardiologist letter dated July 2022
Please confirm receipt of these documents and advise if any further information is required.
Kind regards,
MS Ackerman
MP
Michelle P's update15 Apr 2026, 15:59
Reviewer Update
Reply on email received:
Good day,
Please find attached as requested.
1) IUA Medical Attendant's Report together with Cardiologist Reports dated Aug 2016, Aug 2017, Oct 2018, Jan 2020, Nov 2021. Reports were emailed and uploaded online on https://selfservice.iua.co.za
2) Cardiologist Reports dated May 2003, Jun 2003, Feb 2005, Apr 2006, Jul 2007, Feb 2009, Aug 2010, Aug 2011, Aug 2012, Aug 2013, May 2014, Jan 2015. 3) Retrenchment & UI19 Forms Emailed 20 April 2022 16:15 to ***
4) Doctors Confirmation Letters 2026 Emailed 27 February 2026 13:11 to *** & ***
5) Cardiologist letter dated July 2022
Please confirm receipt of these documents and advise if any further information is required.
Kind regards,
MS Ackerman
Good day,
Please find attached as requested.
1) IUA Medical Attendant's Report together with Cardiologist Reports dated Aug 2016, Aug 2017, Oct 2018, Jan 2020, Nov 2021. Reports were emailed and uploaded online on https://selfservice.iua.co.za
2) Cardiologist Reports dated May 2003, Jun 2003, Feb 2005, Apr 2006, Jul 2007, Feb 2009, Aug 2010, Aug 2011, Aug 2012, Aug 2013, May 2014, Jan 2015. 3) Retrenchment & UI19 Forms Emailed 20 April 2022 16:15 to ***
4) Doctors Confirmation Letters 2026 Emailed 27 February 2026 13:11 to *** & ***
5) Cardiologist letter dated July 2022
Please confirm receipt of these documents and advise if any further information is required.
Kind regards,
MS Ackerman
MP
Michelle P's updateReviewer Update
17 Apr 2026, 14:19Dear Hellopeter,
I truly hope you can help me understand and maybe explain the email below received 17/04/2026, 13:45 from Direct Axis? I did log a complaint 27 March 2026 because of a Settlement amount that was paid and still I am harassed on a daily basis. Now Direct Axis wants to put in a Permanent Disability claim????? This is about the Settlement amount given and paid in FULL as previously explained.
Claims
13:45
to me, ***
Good day, MRS MARIA S ACKERMAN
We confirm receipt of your documentation, which has been submitted to the IUA for consideration of a potential claim.
The documents received relate to a Permanent Disability claim in respect of an eye condition.
In support of the claim, a medical letter from your General Practitioner (GP) was included. However, please note that to qualify for a Permanent Disability benefit, the member must be medically boarded by the treating specialist. Reports or confirmation from a GP alone do not meet the assessment requirements.
To enable us to further assist with your Permanent Disability claim, we kindly request one of the following:
A comprehensive medical report from your treating specialist confirming that you have been declared totally and permanently disabled and unfit to work; or
the specialist to complete our Medical Attendant Report in full.
In addition, please confirm whether you were employed again after your previous retrenchment. If so, kindly provide a termination letter from the subsequent employer, indicating the reason for termination and the relevant employment dates.
Should you require any clarification or assistance, please do not hesitate to contact us.
I truly hope you can help me understand and maybe explain the email below received 17/04/2026, 13:45 from Direct Axis? I did log a complaint 27 March 2026 because of a Settlement amount that was paid and still I am harassed on a daily basis. Now Direct Axis wants to put in a Permanent Disability claim????? This is about the Settlement amount given and paid in FULL as previously explained.
Claims
13:45
to me, ***
Good day, MRS MARIA S ACKERMAN
We confirm receipt of your documentation, which has been submitted to the IUA for consideration of a potential claim.
The documents received relate to a Permanent Disability claim in respect of an eye condition.
In support of the claim, a medical letter from your General Practitioner (GP) was included. However, please note that to qualify for a Permanent Disability benefit, the member must be medically boarded by the treating specialist. Reports or confirmation from a GP alone do not meet the assessment requirements.
To enable us to further assist with your Permanent Disability claim, we kindly request one of the following:
A comprehensive medical report from your treating specialist confirming that you have been declared totally and permanently disabled and unfit to work; or
the specialist to complete our Medical Attendant Report in full.
In addition, please confirm whether you were employed again after your previous retrenchment. If so, kindly provide a termination letter from the subsequent employer, indicating the reason for termination and the relevant employment dates.
Should you require any clarification or assistance, please do not hesitate to contact us.
MP
Michelle P's update17 Apr 2026, 14:19
Reviewer Update
Dear Hellopeter,
I truly hope you can help me understand and maybe explain the email below received 17/04/2026, 13:45 from Direct Axis? I did log a complaint 27 March 2026 because of a Settlement amount that was paid and still I am harassed on a daily basis. Now Direct Axis wants to put in a Permanent Disability claim????? This is about the Settlement amount given and paid in FULL as previously explained.
Claims
13:45
to me, ***
Good day, MRS MARIA S ACKERMAN
We confirm receipt of your documentation, which has been submitted to the IUA for consideration of a potential claim.
The documents received relate to a Permanent Disability claim in respect of an eye condition.
In support of the claim, a medical letter from your General Practitioner (GP) was included. However, please note that to qualify for a Permanent Disability benefit, the member must be medically boarded by the treating specialist. Reports or confirmation from a GP alone do not meet the assessment requirements.
To enable us to further assist with your Permanent Disability claim, we kindly request one of the following:
A comprehensive medical report from your treating specialist confirming that you have been declared totally and permanently disabled and unfit to work; or
the specialist to complete our Medical Attendant Report in full.
In addition, please confirm whether you were employed again after your previous retrenchment. If so, kindly provide a termination letter from the subsequent employer, indicating the reason for termination and the relevant employment dates.
Should you require any clarification or assistance, please do not hesitate to contact us.
I truly hope you can help me understand and maybe explain the email below received 17/04/2026, 13:45 from Direct Axis? I did log a complaint 27 March 2026 because of a Settlement amount that was paid and still I am harassed on a daily basis. Now Direct Axis wants to put in a Permanent Disability claim????? This is about the Settlement amount given and paid in FULL as previously explained.
Claims
13:45
to me, ***
Good day, MRS MARIA S ACKERMAN
We confirm receipt of your documentation, which has been submitted to the IUA for consideration of a potential claim.
The documents received relate to a Permanent Disability claim in respect of an eye condition.
In support of the claim, a medical letter from your General Practitioner (GP) was included. However, please note that to qualify for a Permanent Disability benefit, the member must be medically boarded by the treating specialist. Reports or confirmation from a GP alone do not meet the assessment requirements.
To enable us to further assist with your Permanent Disability claim, we kindly request one of the following:
A comprehensive medical report from your treating specialist confirming that you have been declared totally and permanently disabled and unfit to work; or
the specialist to complete our Medical Attendant Report in full.
In addition, please confirm whether you were employed again after your previous retrenchment. If so, kindly provide a termination letter from the subsequent employer, indicating the reason for termination and the relevant employment dates.
Should you require any clarification or assistance, please do not hesitate to contact us.