House Auctioned, Bond Paid then they blacklist me after 12 years - really!!

THIS LETTER WAS WRITTEN TO MR. CELLIERS - CEO OF FNB: I am turning to you as the CEO of FNB as a last resort due it being most apparent that your staff refuse to assist nor listen to reason. In 2005 I was duped into converting my home loan from ABSA bank to FNB One Account by one of your reps, much to my bitter regret today. From the onset there was problems with the handling of this account and after my boyfriend committed suicide I ran into financial difficulty and toward the end of 2005 the house was placed under auction and the bond amount was recovered. If I remember correctly, it was something in the region of R854, 000.00 they got for the house. I was not given final details.

Toward the end of 2015 I started receiving sms’s (with smiley faces to boot) from FNB requesting payment on my “Residual Loan Account”. Not knowing what this was all about and believing it to be a ruse, I simply deleted the messages – I never knew banks communicated in this way in any case. During the course of last year I started receiving phone calls from various “lawyers” demanding that I pay this “Residual” amount which then was somewhere in the region of R640, 000.00 to which I responded that I had no idea what they were talking about and how can they possibly conjure up this account more than 10 years AFTER auctioning the house off. I furthermore advised them and sent them an affidavit stating that I have no knowledge of this account and do not have the financial means at almost 60 years of age to suddenly be confronted with such a bill and demanding I repay it. I barely sc**** through on the little bit I make every month caring for children.

Now, to add further insult to my already dire situation regarding this “account”, I signed up with ClearScore to see my credit rating as I needed to make a loan of R2, 000.00 to purchase a second hand stove and to my utter shock and dismay your bank has BLACKLISTED me – really? This without my knowledge, consent, nothing!

This is the information they have put on Experian which is absolutely unbelievable. I have no documents, nothing pertaining to this “account” except the sms’s sent that I duly deleted after telling them that I do not owe them money. This is the information I found on ClearScore ( you will note on ClearScore the following - You have no mortgages on your credit report)

FNB BALANCE : R910, 494 OPENING BALANCE : R641, 763 ACCOUNT OPENED : 12th MAY 2011 (I WAS RENTING A HOUSE IN OTTER CLOSE, TABLE VIEW AT THE TIME AND NEVER OPENED ANY BOND ACCOUNTS SINCE LOSING MY HOME IN 2005) ACCOUNT NR : ********** 916403

So, if I have not mortgages on my credit report, what in the world is this FNB account in aid of?

Mr. Celliers the entire South Africa is aware that you are a man of integrity and your profile speaks volumes when it comes to fairness and honesty but can you please explain to me how fair and how just is this blatant abuse of power by FNB to blacken my name after all these years with no due cause or reason. I cannot afford to pay any accounts which is why I do not have a single account and now this – please assist in correcting this as a matter of urgency. I do not want to resort going public with this matter but I will do what it takes to clear this off my name and if for some crazy reason I do owe you this money then I am afraid there is no way that I have the means to pay it back, not at my age and not with my measly income.