1 reviews | Active since Nov 2016
Edgars closed my account without my approval
<p>I have an account with Edgars and it was on arrears which I paid up on the 25th of October 2016 but the payment was not reflecting on my credit record, so I called Edgars requesting a payment letter so I can be able to apply for a house, they sent me an email on the 3rd of November with the payment letter attached. Today I am going to one of their stores with my card only to find out that my account has been closed without consulting me, I have been trying to send them emails so they can call me and rectify this mistake with no luck, now I am fixing my credit record so I can be able to buy the house how will I do that if I do not have any credit under my name because of Edgars closing people's accounts without their approval. Edgars please fix this problem, this is like commiting ***** you can never temper with my account without my knowledge and I had every right to seek the payment letter as the proof that my account is paid up instead of giving your customers what they want you go and de-activate their accounts without their permission. Please fix this Edgars re-activate my account so I can have credit under my name.</p>
Thank you for bringing this matter to our attention. Please be advised your account has been closed due to payment history on your account.
Once an account is handed over or in the process of being handed over to the attorneys the account is automatically blocked on the system and cannot be re-opened.
Please refer to the terms and conditions 29 When you will be in default under this agreement, more specifically please refer to 29.1.1
Due to non-payment you were in breach of the contract and therefore Edcon reserve the right to action your account accordingly, which unfortunately means that Edcon had right to close your account and were not obligated to send you a written notice as you were in breach of our contract.
29 When you will be in default under this agreement
29.1 You will be in default under this agreement if:
29.1.1 you do not pay any amount payable to us under this agreement on the due date; or
29.1.2 you breach any of the terms and conditions of this agreement;
29.1.3 any representation or warranty made in connection with this agreement or any other documents supp**** by you is materially incorrect or false (where a warranty refers to an express confirmation on your part that something is or will be as you have represented to us or promised us that it will be);
29.2 you, being an individual:
29.2.1 publish notice of the voluntary surrender of your estate or die;
29.2.2 are placed under administration or commit an act of insolvency as defined in the Insolvency Act 24 of 1936;
29.2.3 have any application or other proceedings brought against or in respect of you to have you sequestrated or placed under curatorship, in any event whether in a manner which is provisional or final, voluntary or compulsory
Your reference number is ***/GO
Kind regards,
Edcon customer experience team,
***
Thank you for bringing this matter to our attention. Please be advised your account has been closed due to payment history on your account.
Once an account is handed over or in the process of being handed over to the attorneys the account is automatically blocked on the system and cannot be re-opened.
Please refer to the terms and conditions 29 When you will be in default under this agreement, more specifically please refer to 29.1.1
Due to non-payment you were in breach of the contract and therefore Edcon reserve the right to action your account accordingly, which unfortunately means that Edcon had right to close your account and were not obligated to send you a written notice as you were in breach of our contract.
29 When you will be in default under this agreement
29.1 You will be in default under this agreement if:
29.1.1 you do not pay any amount payable to us under this agreement on the due date; or
29.1.2 you breach any of the terms and conditions of this agreement;
29.1.3 any representation or warranty made in connection with this agreement or any other documents supp**** by you is materially incorrect or false (where a warranty refers to an express confirmation on your part that something is or will be as you have represented to us or promised us that it will be);
29.2 you, being an individual:
29.2.1 publish notice of the voluntary surrender of your estate or die;
29.2.2 are placed under administration or commit an act of insolvency as defined in the Insolvency Act 24 of 1936;
29.2.3 have any application or other proceedings brought against or in respect of you to have you sequestrated or placed under curatorship, in any event whether in a manner which is provisional or final, voluntary or compulsory
Your reference number is ***/GO
Kind regards,
Edcon customer experience team,
***