TL
Tanya L
1 reviews | Active since Apr 2021
10 Dec 2021, 13:34
Reel you in then ghost you!
Am I the only one struggling to get communication out of the Sanlam / Direct Axis team?
I am continuously reaching out to enquire re my statement and term of payment (considering I made a large additional paymnent ) and NO ONE is responding.
Can anyone assist with how I can reach someone who can actually help?
Helpful (0)
Replies (5)0
Replies (5)
DirectAxis's replyOfficial
10 Dec 2021, 14:25Hello Tanya, Thanks for reaching out to us. Please accept our humble apologies for the inconvenience caused. Our teams are currently dealing with your query. We have asked a consultant from our relief support team to call you. Team DirectAxis
DirectAxis's reply10 Dec 2021, 14:25
Official
Hello Tanya, Thanks for reaching out to us. Please accept our humble apologies for the inconvenience caused. Our teams are currently dealing with your query. We have asked a consultant from our relief support team to call you. Team DirectAxis
TL
Tanya L's updateReviewer Update
10 Dec 2021, 16:34Thank you I appreciate the response. Will wait for the comms.
TL
Tanya L's update10 Dec 2021, 16:34
Reviewer Update
Thank you I appreciate the response. Will wait for the comms.
TL
Tanya L's updateReviewer Update
13 Dec 2021, 09:43Please note as per your comms "We have asked a consultant from our relief support team to call you." - no one has yet been in touch via phone or mail. I will await the updated statement and confirmation of amended terms of installment.
Thank you.
Thank you.
TL
Tanya L's update13 Dec 2021, 09:43
Reviewer Update
Please note as per your comms "We have asked a consultant from our relief support team to call you." - no one has yet been in touch via phone or mail. I will await the updated statement and confirmation of amended terms of installment.
Thank you.
Thank you.
TL
Tanya L's updateReviewer Update
14 Dec 2021, 09:29Ironic - I haven't yet received a call from DirectAxis to sort out this matter NOR an email ... YET I HAVE RECEIVED A CALL TO OFFER ME ANOTHER LOAN.
TL
Tanya L's update14 Dec 2021, 09:29
Reviewer Update
Ironic - I haven't yet received a call from DirectAxis to sort out this matter NOR an email ... YET I HAVE RECEIVED A CALL TO OFFER ME ANOTHER LOAN.
TL
Tanya L's updateReviewer Update
22 Dec 2021, 10:46On the 20th December I finally received a response from DirectAxis re that I would receive a statement from them.
I did a day later, but my initial query was still not answered:
If my loan term was 42 months, and I made a large deposit towards my loan, why does it not amend the loan term ito months left to pay. Surely that should make sense as the amount would have been reduced. It was my understanding when I made the query before I made the payment that it would reduce the term and not the monthly instalment.
The response I received from DirectAxis in email:
"The original term of the loan is 42 months, and remaining term is 32 months, this cannot be restructured as it is part of your contact. Extra payments are allowed, we credit each payment made under the Agreement as follows: (1) interest, then (2) any fees or charges, and then (3) the loan amount. Making extra payments towards loan reduces the loan balance, therefore will mean that you may possibly pay your loan in full before the remaining loan term."
So I have no problem re how they use the additional funds towards my loan - BUT the problem I have is that if my amount is reduced by me trying to look after my account HOW can they then hold me ransom with A) not reducing my loan instalment amount and B) not reducing my term to accommodate the new amount owing.
I have read numerous complaints where customers have paid their amount owed but are still having funds deducted, and this is exactly my concern. That once they have our signature and go ahead then it's a free for all for DirectAxis.
I did a day later, but my initial query was still not answered:
If my loan term was 42 months, and I made a large deposit towards my loan, why does it not amend the loan term ito months left to pay. Surely that should make sense as the amount would have been reduced. It was my understanding when I made the query before I made the payment that it would reduce the term and not the monthly instalment.
The response I received from DirectAxis in email:
"The original term of the loan is 42 months, and remaining term is 32 months, this cannot be restructured as it is part of your contact. Extra payments are allowed, we credit each payment made under the Agreement as follows: (1) interest, then (2) any fees or charges, and then (3) the loan amount. Making extra payments towards loan reduces the loan balance, therefore will mean that you may possibly pay your loan in full before the remaining loan term."
So I have no problem re how they use the additional funds towards my loan - BUT the problem I have is that if my amount is reduced by me trying to look after my account HOW can they then hold me ransom with A) not reducing my loan instalment amount and B) not reducing my term to accommodate the new amount owing.
I have read numerous complaints where customers have paid their amount owed but are still having funds deducted, and this is exactly my concern. That once they have our signature and go ahead then it's a free for all for DirectAxis.
TL
Tanya L's update22 Dec 2021, 10:46
Reviewer Update
On the 20th December I finally received a response from DirectAxis re that I would receive a statement from them.
I did a day later, but my initial query was still not answered:
If my loan term was 42 months, and I made a large deposit towards my loan, why does it not amend the loan term ito months left to pay. Surely that should make sense as the amount would have been reduced. It was my understanding when I made the query before I made the payment that it would reduce the term and not the monthly instalment.
The response I received from DirectAxis in email:
"The original term of the loan is 42 months, and remaining term is 32 months, this cannot be restructured as it is part of your contact. Extra payments are allowed, we credit each payment made under the Agreement as follows: (1) interest, then (2) any fees or charges, and then (3) the loan amount. Making extra payments towards loan reduces the loan balance, therefore will mean that you may possibly pay your loan in full before the remaining loan term."
So I have no problem re how they use the additional funds towards my loan - BUT the problem I have is that if my amount is reduced by me trying to look after my account HOW can they then hold me ransom with A) not reducing my loan instalment amount and B) not reducing my term to accommodate the new amount owing.
I have read numerous complaints where customers have paid their amount owed but are still having funds deducted, and this is exactly my concern. That once they have our signature and go ahead then it's a free for all for DirectAxis.
I did a day later, but my initial query was still not answered:
If my loan term was 42 months, and I made a large deposit towards my loan, why does it not amend the loan term ito months left to pay. Surely that should make sense as the amount would have been reduced. It was my understanding when I made the query before I made the payment that it would reduce the term and not the monthly instalment.
The response I received from DirectAxis in email:
"The original term of the loan is 42 months, and remaining term is 32 months, this cannot be restructured as it is part of your contact. Extra payments are allowed, we credit each payment made under the Agreement as follows: (1) interest, then (2) any fees or charges, and then (3) the loan amount. Making extra payments towards loan reduces the loan balance, therefore will mean that you may possibly pay your loan in full before the remaining loan term."
So I have no problem re how they use the additional funds towards my loan - BUT the problem I have is that if my amount is reduced by me trying to look after my account HOW can they then hold me ransom with A) not reducing my loan instalment amount and B) not reducing my term to accommodate the new amount owing.
I have read numerous complaints where customers have paid their amount owed but are still having funds deducted, and this is exactly my concern. That once they have our signature and go ahead then it's a free for all for DirectAxis.