******* and ******

Good morning

I trust all is well. I once lodged a dispute in regards with DMC In short I have made my own investigation in this regard. Kindly see below as per my analysis.

First all I made contact with African bank, because they are the ones I made a loan with, both loans, personal and credit for bradlows. I was advised that both debts have been sold out, so this means on my credit profile or report, African must not appear at all as both debts have been sold out. Please see proof thereof attached as ref: AB Balances. Further requested them to give me more information concerning my accounts and this is the information that I received from them.

1. African bank account ***, which is DMC 3 (DMC ACCOUNT NUMBER ***0) ACCORDING TO DMC’S REF.. was sold to DMC 2. African bank account ***, which is DMC 99 (DMC ACCOUNT NUMBER ***7) ACCORDING TO DMC’S REF was sold to MBD

DMC3

1. 19/03/2015- last payment done to African bank, please see attached African bank statement. 2. 04/05/2017- debt was sold out by African bank to DMC 3. As per the DMC statement attached I have never made payment on this account. 4. 07/07/2017- DMC is claiming that I admitted that I had a debt with them on this date. On this matter we need tangible proof for clarity. Transparency is required in the sense of supplying with call recordings so as to hear myself pledging to the origin. This is the only way that will give us comprehensibility. If this is beyond our control, I will surely forward the matter to the court or any higher authorities so as to jet justice on this matter. I’m off the view both parties must prove beyond reasonable grounds.

DMC99

1. 22/08/2016- I received a call from Gerhard Goosen- Collection partner of DMC (ADRS), Communication in this regard is available on request as there are confirming emails in this matter. 2. 30/09/2016- I made a promise of paying R250, communication in this regard is available on request as this was communicated via email. 3. 20/12/2016- I made one payment of R300, proof attached REF: fwd: outlook item, I never made any payment after that one, again on this matter DMC must come with tangible proof, bank statement and not a print screen or an excel template which could be created by anyone who knows how to utilise computer. If they are disputing the above mentioned as they are good at that, proof of payment must be provided in this regard and the kind of proof must be a bank statement as mentioned. According to my information this account has prescribed. 4. 23/01/2020- As per the information given by African bank consultant that this debt is not under DMC but it was sold to MBD who calls me now and then for the same debt, MBD is harassing me day and night, hence I called African bank for clarity purpose and they confirmed that this debt was sold to MBD, so this means DMC99 must be removed from my credit profile as they are not the one responsible for this account.

Again for two reasons dmc99 must be removed firstly the account is not under their possession, it’s under MBD, secondly the account has already prescribed, last payment was done on the 20/12/2016, proof attached in this respect.

In a nutshell DMC has been misleading us, robbing people who lack evidence to prove their dishonesty, ruining our credit profiles, I was shocked that the other accounts that were announced prescribed by all credit bereus are still being active on the their arrangement, deceiving those who don’t know their rights. I will make sure that they will pay for this, I have been declined for jobs and credit by so many companies because of this bad picture they are giving. Failing to remove these accounts (DMC I will make sure that everyone knows about this including media platforms Instagram, Twitter, Facebook, linked, ENCA, SABC, CHANNEL 405 etc. DMC will trend for robbing people. I cannot tolerate this anymore.

Going forward prior making a decision your company must listen to both sides of the story, get to the bottom of it, do a thorough research prior making a decision, you cannot listen to one side of the story then decide because obviously dmc will not allow a situation of losing the case. Your company must act as an adjudicator. Please be fair to everyone as these situations are costing us our lives. If you are going to listen to what the lender is saying and not doing your investigations then this means, your business is not beneficial to us. Kindly be advised that if more information is needed, please do not hesitate to contact me.

If possible can this matter be sent or handled by those who deal with complicated and high level matters as this matter needs such….

I have forwarded the matter to the legal specialists who will deal with you as you have ruined my life, better sort out this mess before you get exposed. I have forwarded this matter to the higher authorities and you will be exposed on media, so close these accounts as they dont exist asap, failing which you will regret a day you started ruining my credit profile. Remember this is in not a joke its a promise. You will be accountable for all the jobs i lost and credit opportunities. Please dont call me as you will lie and say i made arrangments with you. Reply here or send me an email informing me about the removal of these debts or else you will trend on all media platforms and breaking news requesting one thing your company to be closed. Kindly update all credit bereus that both accounts dmc3 and dmc99 are both closed. Transunion experian xds and compuscan im giving you on last week. Please dont test and stop harrasing me with calls, sms lying saying i made a promise. I managed to retrieve call recordings from vodacom and i have never made a promise of paying. Your prompt response in this regard will be highly appreciated.