FNB Short term Insurance biggest ****

I'm 42 years old single mom, only breadwinner in our house.

I'm driving a old bmw that I bought from my mom, as it were her and my dad's car and my dad past away,but anyway, my son went to work the 19 September 2023. Past 10am he was suppose to fetch me to have my car on his way home, when he turned right by the stop the car had slide qs it was raining, and he crashed into a tree. A Fnb consultant has been contacted, not by myself even the get permission for a tow truck to come and fetch the car, permission has been given without asking me by Leon .. .which I was not even married to by FNB. I never gave permission once for any FNB consultant any permission of what so ever to tow my car away from the accident. When I heard my car was standing in Bellville Auctionations,, when I went there I asked access to my car and I was told that I may not go near the car until the investigation is completed, on that note I just want to add I never in 21 years driving had any accident claim of any in neither one of my cars.

I received an email, which requested My bankstatements, my cellphone company for a location of myself and my son whereabouts, workplaces has been contacted and interigated like we are ********s, when I ask my bank statements as they debit my account so they do have my details, I was answered we need to investigate if your sun went to the bottle store, wow what if he went what if did buy alcohol, what then, people buy during they for their information not one of use alcohol. So my question and respond were it's confidential and I'm not feeling at ease to share it with immature people, I was promised it's will only take 14 days the payout that' was confirmed on email, but. The moment I refuse to submit my statements the ladies started to tease and make jokes about the accident and laughed over the phoned, The phoned me one day 27 times just because the morning I had a meeting ive rejected the call, she phoned then another 6 times, then I pick up again and she asked me when will a convenient time to call me and I advise that after 18h00 as that is the time myself and my son gets home from work. She couldn't understand and had to put the phone down again, and she then phoned me 21 times again which I have proof of for that day.

It went back and forth until I was informed that an investigation will take place and officers will be flying in from JHB to Capetown to see if FNB will pay out, they only arrived 3 weeks after the crash happened. And investigation has been done where one of the officers met my son to let him go and explained what happened. In the meantime am I out of transport and depend on it to go to work and back, within that period I had collapse as how they treated me and the tention of them laughthing and making fun of me numerous times during this sensitive situation, then Leon the guy that gave permission informed them that I'm in hospital, and then they starting harrassing him for information but he was not even at the crime scene neither was he closeby when the accident happened, they even bombarded me with emails saying it's a ******** offence to lie, as they know the accident happened near a carwash, this was never ever said as there is not even a carwash near my house and the car were not able to start or drive as it was a front accident, Leon requested the recordings where one of us has ever mentioned the carwash as they started to say things we never said, saying that even Leons bankstatements has been requested, then all of a sudden, a Team leader mailed Leon telling him I must first sign consent before they can release the recorded conversation, conveniently they forgot who is the policy holder from the start as they accepted Leons approval to take my car away which I did not give permission any giving time, but now I must give wow, convenient of them neh. Then I was needed to buy a new car as previously advise I depend on transport in order to do my job, which were an extra R5009 on my budget which I couldn't afford but had no choice, I have also still paid my insurance throughout the investigation period, they dragged it out for 4 months, just to contact me one day that the claim has been rejected due to investigation they have found that my son had skipped the stop. I was instructed to fetch the car on my expenses before the Friday. When we fetch the car, the light as well as the computer box is missing. I immediately informed them via email, my son had asked the guy at auctioneers where it is and he advise that it's somewhere there he must just find it, then emails came back with photos from the crash investigators that when they investigated the car there were no computer box, so how did they investigate it without the computer box that's gone, why can I not get the proof off that findings and how is it possible to go in someone else's word without any black on white proof and a person that was not even close to the accident when it happened. I went to the tow truck guy who towed my car away, and asked him when he delivered my car was the computer box still there and he confirmed yes luckily he still had the photos he even submitted to FNB insurance consultants.

By saying that I had to get the car fixed as I was struggling to cope with the payment of the new car as before I qualified to buy a car I had to rent a car which has cost me over R12000 for the rental. Now diesel bmw E90 computer boxes are not cheap, it's R24000 plus vat plus the recoding of the car , the front light that has been missing is R8000 for a new one, in total it's R32000 damage after I never gave permission for fnb tow truck or fnb consultant for my car to be towed to Bellville plus the rental car plus doctors costs and all the months I still had to pay the insurance in full. How can FNB just get away with this, how can nothing happen if you not allowed to go to your vehicle, you never ever to begin with give any permissions for them to tow my car, and then I have damage of R32000 just for parts that got ****** while my car was in FNB trust and now they get sit back and just don't give me evidence on why they my son did not stop proof that you have that on footage, camera, or whatsoever form, to decline my claim after I never ever claimed from any insurance in more that 20 years I'm working and not even taking responsibility for things that got ****** from their premisses and it becomes my problem and they just don't care. Can someone please assist me as financially I lost thousands and thousands due to damage they added and not taking any responsibility for it and also in actual fact took my car without permission from myself which is theft. . I honestly hope someone can assist to at least get the money back for the new computer box and lights. Cause they are emotionally draining people's strengths.