Very sad, Heartbreaking, **********

<p>So it was Oct 2016, I bought a Car ( Toyota Aygo 2011 Model) at Intertoy Brits . The day I went there to sign my contract and pick my Car I was assisted by Lorraine van der Walt ( Financial Advisor Intertoy Brits). She asked me if I prefer my own Comprehensive Insurer or can she get me one? I said to her I will kindly look for my own Comprehensive Insurer.. Fine as we were signing the Contract she advised me about Value Added Covers for my Car which were as follows-</p> <p>Courtesy Car Policy</p> <p>Shortfall Cover Policy</p> <p>Deposit Protector Cover Policy</p> <p>Group Life Policy</p> <p>Retreanchment Policy</p> <p>Warranty Plan</p> <p>Body Line Maintanance Plan</p> <p> </p> <p>Okay now what I understood regarding the Shortfall and Deposit Cover was because I had covered my Car with a Market Vaue from my Comprehensive Insurer, in the event where my Car get ****** and or get written Off after an Accident I will need a Shortfall Cover Plan as my Comprehensive Insurer will only pay the Value of my CAR and If I owe more the Shortfall will take over and settle my Account.</p> <p>Deposit Protector Plan was because I had paid a deposit of R8000 for my Car the Cover was to protect my Deposit in the event where my Car get ****** or Wriiten Off I will be reimursed my Full amount.</p> <p>Please bare inmind that I took all these covers through Toyota entrusting them because I am buying a Car from them it would be fair if I take the Value Added Covers with them knowing that if I need help they will be able to assist me within a blnk of an eye..</p> <p> </p> <p>Am so heratboken to inform you that I had an accident 1 May 2017 which resulted to my Car written off. I logged a claim to my Comprehensive Insurer (First for Women ) can you believe they paid R66 000 to Wesbank within 9 Days from the day of my Accident now I was left with a Shortfall of R29 890. Now the Shortfall Claim was then submitted to IUA , I waited for a 30days up until am left with no choice but to return the Courtsey Car back. then I started to make follow ups with IUA, they delayed the process of settling my Shortfall with Wesbank and they started off with my Deposit and they paid it direct to Wesbank, I called them to ask why was my money paid dto Wesbank and not into my Account and I said I hope you Guys are not trying to rip me off my Money?? She said I have Value Added Covers which will have to be cancelled and refunded, Okay then I contacted Wesbank and got the number for Innovation Group which I had the Warranty Plan with but through IUA. It too Innovative Group 21 working days to refund R2973.84 imagine?????</p> <p> I ran out of patience I waited for soo long for everything but the more I waited the more things fell apart.. Okay then eventuallyInnovative Group refunded the Finance House then I called IUA to check the process regarding my Shortfall and the Lady at Claims Department said to me they cannot process my Claim as I still have a more Cover that has to ne cancelled an refunded ( Body Line Maintanance Plan) I sent Lorraine and email requesting her to assist me. she rep**** with Debbie email at Car Care Voucher and I asked her to cancel and refund which she helped me with.</p> <p>Now after everything has been cancelled and refund IUA then paid R19 789 as my Shortfall then I started being worried now about my Deposit, I went to Lorraine and asked her what is the Procedure regarding that? She asked me to contact IUA for further info. I called IUA and they said to be I was owing the Finance house so my Deposit was used to pay off myShortfall at Wesbank then I asked her why because I have been paying for the Deposit Protector Plan protecting my Deposit and I have been paying for a Shortfall as well!!</p> <p> </p> <p>I am a Single Mother of 2 aged 7 and 6, I work 60km from Home, I needed that car to help me in terms of Travelling, I get home very late.</p> <p>Whats making me SAD is If people think that I paid R8000 for my Deposit I saved that money and It took me 8 months for some Business Solution to rip me off just like that and not do anything about it? Thats my hard earned money... Or is it maybe I bought a Small Cheap second Hand Car?? or maybe I had afforded an SUV they would have treated me differently? Or maybe because am just an Admin. I am not earning millions I think even Millionaires wouldnt let that amount of money vanishing just like that,,</p> <p> </p> <p>To me its about money hence I mentioned that am a single Mother and I worked hard for that money..</p> <p> </p> <p>I want my money back I am soo sick and tired with IUA tellingme that it the Policy wara wara wara.. I asked them what is a Deposit Protector PLan and What is a Shortfall Cover Plan?/??//???</p> <p> </p> <p>Please help me</p> <p>Zandile Charity Msimanga</p> <p> ********** 803</p> **********