FNB thinks we are stupid.

Fnb finds a way around prescribed accounts. We are a credit risk. This is the alternative

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Good day

We acknowledge being in receipt of your query pertaining to your outstanding cheque account.

Kindly find the attached statements indicating that the account went into default (esceeding the R7000.00 limit) and was not paid in full until same was closed on the 22 June 2007. We confirm that the outstanding funds were never recovered and therefore the account was closed as a bad debt and therefore ruined your FNB Customer Profile.

Furthermore, you are not obligated to pay the amount as we have written off the debt however should as you want to pursue new/further dealings within the First Rand Group (wesbank, FNB, RMB) the balance must be settled in full. We will then refer the your profile for amendments provided that there are no other bad debt accounts. We need an acknowledgement of debt in a form an affidavit which will read as follows:

I, (full names) acknowledge being indebted to FNB on my Cheque account no ********** 7438 for the amount of R 8 419.77 and I voluntarily want to pay the full balance.

After we are in receipt of your affidavit, we will then furnish you with bank details for the payment. Should you opt not to pay, FNB is not pursuing recoveries for the outstanding amount and the account remains closed however your profile will remain not amended and this will only affect you when making credit applications within the First Rand Group.

We trust the above will suffice

Thank You

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Sabelo S Maseko | Legal Accounts Officer | Consumer Core Banking (CCB) Risk Management|

2 First Place Bank City| Tel: (087) ********** | Cell: (0) | Fax: ********** 129|E-mail **********

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