LH
Linda H

1 reviews | Active since Oct 2015

17 Jan 2026, 10:29

Zero Service and complete disregard

Wish I could give 0 stars. I was in debt review and was able to pay off all outstanding debt in September last year. In order to get my credit status cleared I needed paid up letters from all creditors. I received all of these (including one from MFC / Nedbank for an amount of over R135k and FNB for a loan of over R100k) but simply cannot get one from Discovery bank which I owed exactly R15k. For the last 3 months between my debt counsellor and myself have sent in the region of 17 emails to Discovery with ZERO response. I have also called Discovery Bank 3 times and been put through to several people on each call that I had to explain yet again what I need and still I have no resolve. In fact one of the staff told me that Discovery do not do paid up letters to which my counsellor noted the following (ie this is *******): The client has advised, as per the correspondence below, that you have refused to issue the paid-up letter. Please note that this is not permissible in terms of the National Credit Regulator (NCR) guidelines, which clearly state that credit providers may not withhold paid-up letters once an account has been settled in full. Basically I cannot get my credit score adjusted and my name cleared because of Discovery Banks total disregard for my request and sadly I have no option but to consult with the Banking Ombudsman. All of this for one piece of paper saying that the account has been settled. My entire credit future hangs in the balance because Discovery simply don't care.

0
Replies (4)
Discovery Bank
Discovery Bank's reply17 Jan 2026, 10:38
Official
Hey Linda.

Thank you for contacting us. We apologize for the experience that you have had with us.

I am looking into this for you and will get back to you, via your DMs.

Kind regards,
Mpho.
LH
Linda H's update20 Jan 2026, 10:09
Reviewer Update
Thank you Mpho, I can send through all the correspondence from myself and the debt counsellor - in excess of 10 emails requesting same. I can also send you reference numbers for other mails and for 2 x calls that I have. I don't understand how this has not been attended to with so many desperate pleas for it. I expect the paid up letter by no later than Wednesday this week as I need my credit clearance. If I don't get it by then I will contact the Ombudsman. I owed 8 credit suppliers in my debt review and once settled I received paid up letters from every one of them (after only 1 x mail requesting) except Discovery

LH
Linda H's update21 Jan 2026, 11:09
Reviewer Update
Any update here?

LH
Linda H's update22 Jan 2026, 10:31
Reviewer Update
Hi Mpho,

YES! I have FiNALLY received it after months of trying

Thank you very much for your help!
Linda