FNB together with Blake and Associates MISLEADING

FNB together with Blake and Associates MISLEADING CLIENTS

I had a Personal Revolving Credit Loan of R19,000 at First National Bank since 2014. Wich I used and then paid off and used again. I paid it off monthly for the amount of R619. At the end of Dec 2017 the outstanding balance was R15551.91

On the11th of Jan 2018, at13:04 I received an e-mail from Blake and Associates revolving my FNB Revolving Loan ********** 290816 stating the following:

"Dear Mrs ILSE BOTHA

We act on behalf of FNB, a division of First Rand Bank Limited.

New Year Special!!! Start off the New Year by settling your FNB Revolving Loan with a 25% settlement discount.

Simply contact Blake and Associates to get the discounted amount or alternatively replying to this email with your contact details and we will contact you immediately."

I phoned and e-mailed Blake and Associates and spoke to Mrs Govender. She sent me an e-mailed showing the discounted amount of R12345. I discussed the matter with my employer and they (Bme Pty Ltd) paid the settlement amount of R12345 on behalf of myself. NOT KNOWING WHAT CONSEQUENCES THIS WOULD CREATE!!!

In April 2018 I received a statement from Fnb regarding my Revolving Credit Loan stating that I have an outstanding balance of R4014.63 (The exact 25% discounted amount). I contacted Mrs Govender and she assured me that it will be corrected as it takes time and that they will not charge me any interest.

I left it there and received a letter stating that my account has been closed. NOBODY EXPLAINED TO ME THAT IT WAS ACTUALLY NOT THE TRUTH. I was not informed that The discount amount will always reflect agains my name and Id as "An amount written off as bad debt".

I would never accepted the 25 % discounted amount if I had known what the consequences would be.

I app**** for car finance on the 4th of December 2018 guess what? It was declined due to the fact that First National Bank listed me internally on all the Bank Pannels and created a negative profile stating "Bad debt for the amount if R4014.63 on my Revolving Credit Loan that FNB had to write of. I just want to make this very clear. FNB AND BLAKE AND ASSOCIATES offered me the discount, I never approached them. I contacted my private bankier and he also said to me that I first have to settle the R4014 before my name will be removed as "Bad debt written off" but he then said to me that it is an internal credit profile at Fist National Bank only and that nobody else can see it. ANOTHER FALSE PROMOSE - It reflects negative on all the bank panels. Shame on you First National Bank and Blake and Associates for misleading your clients.