**** or legit

I want to verify if Elpat finance is a legit company or a ****, i received the below emails

Thank you for your question. The once-off credit insurance is a mandatory requirement for the approval and disbur*****t of your loan, even if you already have an existing life cover. This is because the credit insurance is specifically linked to your loan agreement. Unfortunately, the insurance fee cannot be deducted from the approved loan amount. It needs to be paid upfront as proof of coverage before the funds can be released. If you are unable to pay the full amount upfront, you may pay 50% of the insurance charges now, and settle the remaining balance once your loan has been disbursed. -- Kind regards, Botha Petersen (Mr.) Tel: +27 (0) 63 *** Loan Manager Elpat Finance Loan

Then the below

Thank you once again for your prompt cooperation with the loan process and for making the partial payment of the once-off insurance fee. Unfortunately, I am currently unable to proceed with the transfer of your loan. Management has placed a stop order, which requires that the full insurance fee be settled before your transaction can be successfully completed. Please note that the 50% payment due on 27/08/2025 was declined at the close of business on 17/08/2025, as no response was received from you. This policy has been put in place to prevent any complications or complaints at the end of the loan term. I sincerely apologize for any inconvenience this may cause and kindly request that you settle the outstanding balance so we can ensure the smooth and timely disbur*****t of your funds.

Kind regards, Botha Petersen (Mr.) Tel: +27 (0) 63 *** Loan Manager Elpat Finance Loan