Error processing on YOUR side now I owe money.

Dear Discovery Group / Accounts Department,

This correspondence serves as a formal dispute and objection regarding the notification that I allegedly owe an amount exceeding R9,000 for 2025, arising from what has been acknowledged as an administrative / claims-processing error on Discovery’s part.

At all relevant times, I acted in good faith, re**** on the accuracy of Discovery’s processing and communications, and had no reason to believe that any claims had been incorrectly managed. I was never notified of any irregularity, nor afforded an opportunity to address the matter earlier. The financial liability now presented is therefore solely the result of Discovery’s internal error, and not due to any omission, misrepresentation, or failure of disclosure on my side.

This unforeseen debt was not budgeted for, and it has placed me under significant financial strain through no fault of my own. While I remain willing to cooperate in resolving the matter, I am not in a position to settle the balance in full. Accordingly, I am only able to commit to a payment arrangement of:

R500 (five hundred rand) per month, until such time as the balance is extinguished, or until I am reasonably able to settle the amount sooner.

I further require written confirmation of the following: 1. That this matter will not be reported, listed, or reflected in any negative manner on my credit profile or credit bureau records; 2. That no penalties, administrative fees, or interest will be app**** to the outstanding balance arising from Discovery’s error; and 3. That my repayment arrangement will be regarded as compliant and in good standing for the full duration of the agreed instalment plan.

This email is being submitted to formally record my position and protect my rights, given that the liability has arisen through Discovery’s incorrect processing rather than any breach or misconduct on my part.

Please provide written acknowledgement confirming acceptance of the above repayment terms and written assurance regarding the protection of my credit record.

I expect this matter to be handled with urgency and fairness.

Kind regards,

Rashmi Rambiritch-Gagiano