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<p>My husband apply for a loan with Gina Nel which was approved. We then have to pay R9999.00 for the contract fee which look real. then they send u a contract which we have to sign the attorney was SM Puma with an Capitec acc. they said we must pay another R14599.00 for insurance which we say noway. it was then that i phone dirext acces that they told me there is no loan appilcation what must we do and how</p>