TA
Tarryn A
1 reviews | Active since Mar 2019
11 Jun 2019, 22:31
Unacceptable
Firstly I’d like to say the lady who contacted me was very polite but here is where my issue comes in I’m not satisfied with the outcome regarding this application.
Let me explain the situation here my husband and I share a joint bank account as I work for him and I made sure to provide a letter from my personal banker stating I have full authority over the account. I was then told this is not accepted. Joint accounts are not accepted which is baffling because nowhere in the terms and conditions does it state joint accounts aren’t accepted. I don’t receive a pay slip as it makes no sense for to have issue myself invoices for each and everything thing I do for my husband business and my mother salary I receive from him. I was advised I can open a bank account in my name and then I would be approved but that’s senseless because I’d have to wait 3 months in order to make constant deposits to the account and I wanted the credit at this very moment.
I’m failing to understand why a joint account is unacceptable since I am able to authorize debit orders etc on the account hence I had my private banker provide you with a letter stating this.
I refuse to accept this and I expect this matter to be escalated to higher management. Being told that “We don’t accept joint accounts” or else you would be approved is unacceptable. Again I will say no where in any of the terms and conditions does it state Joint accounts are not accepted. So I need higher management to look over this immediately and get back to me with feedback
Regards Genevieve
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Tarryn A's updateReviewer Update
11 Jun 2019, 22:45Application
3.1. By completing, signing and submitting an application, you:
3.1.1. are applying to us for a credit facility. This agreement, read together with our self-service portal terms and website terms of use, where applicable, contains the terms and conditions upon which we are willing to provide such a credit facility to you; and
3.1.2. confirm that you have read and understand these terms and conditions, the meaning and consequences of this agreement; and
3.1.3. confirm that you are the person whose details you have given to us as the applicant in the application form.
3.2. All information that you provide us with must be truthful, complete, accurate and correct. You must immediately notify us if any of your information changes. If your application is not complete or if you don’t provide us with any required documentation, we may contact you to obtain the required information or documentation; or we may approve or reject your application.
3.3. At the time of you applying to us for credit or, should your application be successful, at any time during the existence of this agreement, you must immediately notify us if:
3.3.1. you have a direct or indirect link(s) to a major sanctioned country (for example, you currently reside in
Cuba or you conduct business in Iran); or
3.3.2. you are or become a citizen, resident or national of the United States of America; or
3.3.3. you relocate to any place outside of the Republic of South Africa.
3.4. Should any of the events in clause 3.3.1 to 3.3.3 apply to you, we have the right to not enter into this agreement with you, or if your application was already approved at the time that we come to learn of such events, we have the right to immediately terminate this agreement on notice to you. Our rights in terms of this clause shall apply irrespective of whether you notified us in terms of clause 3.3 above or whether we established independently that the clause(s) applies to you.
3.5. Should the major sanctioned country list be updated by us, your obligations in terms of clause 3.3.1 above and our rights in terms of clause 3.4 will apply to such updated list.
3.6. Your application for credit (or a credit limit increase) is subject to our credit approval criteria and to the conditions for granting credit as set out in the Act. We are, however, not obliged to grant your application.
3.7. You consent to us obtaining any information or documentation directly from your employer, bank, credit bureau or any other source for the purposes of assessing your application or any credit limit increase.
3.8. If your application is successful, we will provide you with a pre-agreement, as well as the terms and conditions. The pre-agreement will set out the amount of credit that you qualify for, your interest rate and it will show you how much interest and fees you will pay over a 12-month period if you use the full available credit.
Please see Makro T&C’s no where does it state joint accounts aren’t accepted you must provide details of your bank account and the joint account I have with my husband in currently the only account in my after 26years of marriage it would make sense for our finances and fund to go into one individual account since we work together and manage our companies affairs
3.1. By completing, signing and submitting an application, you:
3.1.1. are applying to us for a credit facility. This agreement, read together with our self-service portal terms and website terms of use, where applicable, contains the terms and conditions upon which we are willing to provide such a credit facility to you; and
3.1.2. confirm that you have read and understand these terms and conditions, the meaning and consequences of this agreement; and
3.1.3. confirm that you are the person whose details you have given to us as the applicant in the application form.
3.2. All information that you provide us with must be truthful, complete, accurate and correct. You must immediately notify us if any of your information changes. If your application is not complete or if you don’t provide us with any required documentation, we may contact you to obtain the required information or documentation; or we may approve or reject your application.
3.3. At the time of you applying to us for credit or, should your application be successful, at any time during the existence of this agreement, you must immediately notify us if:
3.3.1. you have a direct or indirect link(s) to a major sanctioned country (for example, you currently reside in
Cuba or you conduct business in Iran); or
3.3.2. you are or become a citizen, resident or national of the United States of America; or
3.3.3. you relocate to any place outside of the Republic of South Africa.
3.4. Should any of the events in clause 3.3.1 to 3.3.3 apply to you, we have the right to not enter into this agreement with you, or if your application was already approved at the time that we come to learn of such events, we have the right to immediately terminate this agreement on notice to you. Our rights in terms of this clause shall apply irrespective of whether you notified us in terms of clause 3.3 above or whether we established independently that the clause(s) applies to you.
3.5. Should the major sanctioned country list be updated by us, your obligations in terms of clause 3.3.1 above and our rights in terms of clause 3.4 will apply to such updated list.
3.6. Your application for credit (or a credit limit increase) is subject to our credit approval criteria and to the conditions for granting credit as set out in the Act. We are, however, not obliged to grant your application.
3.7. You consent to us obtaining any information or documentation directly from your employer, bank, credit bureau or any other source for the purposes of assessing your application or any credit limit increase.
3.8. If your application is successful, we will provide you with a pre-agreement, as well as the terms and conditions. The pre-agreement will set out the amount of credit that you qualify for, your interest rate and it will show you how much interest and fees you will pay over a 12-month period if you use the full available credit.
Please see Makro T&C’s no where does it state joint accounts aren’t accepted you must provide details of your bank account and the joint account I have with my husband in currently the only account in my after 26years of marriage it would make sense for our finances and fund to go into one individual account since we work together and manage our companies affairs
TA
Tarryn A's update11 Jun 2019, 22:45
Reviewer Update
Application
3.1. By completing, signing and submitting an application, you:
3.1.1. are applying to us for a credit facility. This agreement, read together with our self-service portal terms and website terms of use, where applicable, contains the terms and conditions upon which we are willing to provide such a credit facility to you; and
3.1.2. confirm that you have read and understand these terms and conditions, the meaning and consequences of this agreement; and
3.1.3. confirm that you are the person whose details you have given to us as the applicant in the application form.
3.2. All information that you provide us with must be truthful, complete, accurate and correct. You must immediately notify us if any of your information changes. If your application is not complete or if you don’t provide us with any required documentation, we may contact you to obtain the required information or documentation; or we may approve or reject your application.
3.3. At the time of you applying to us for credit or, should your application be successful, at any time during the existence of this agreement, you must immediately notify us if:
3.3.1. you have a direct or indirect link(s) to a major sanctioned country (for example, you currently reside in
Cuba or you conduct business in Iran); or
3.3.2. you are or become a citizen, resident or national of the United States of America; or
3.3.3. you relocate to any place outside of the Republic of South Africa.
3.4. Should any of the events in clause 3.3.1 to 3.3.3 apply to you, we have the right to not enter into this agreement with you, or if your application was already approved at the time that we come to learn of such events, we have the right to immediately terminate this agreement on notice to you. Our rights in terms of this clause shall apply irrespective of whether you notified us in terms of clause 3.3 above or whether we established independently that the clause(s) applies to you.
3.5. Should the major sanctioned country list be updated by us, your obligations in terms of clause 3.3.1 above and our rights in terms of clause 3.4 will apply to such updated list.
3.6. Your application for credit (or a credit limit increase) is subject to our credit approval criteria and to the conditions for granting credit as set out in the Act. We are, however, not obliged to grant your application.
3.7. You consent to us obtaining any information or documentation directly from your employer, bank, credit bureau or any other source for the purposes of assessing your application or any credit limit increase.
3.8. If your application is successful, we will provide you with a pre-agreement, as well as the terms and conditions. The pre-agreement will set out the amount of credit that you qualify for, your interest rate and it will show you how much interest and fees you will pay over a 12-month period if you use the full available credit.
Please see Makro T&C’s no where does it state joint accounts aren’t accepted you must provide details of your bank account and the joint account I have with my husband in currently the only account in my after 26years of marriage it would make sense for our finances and fund to go into one individual account since we work together and manage our companies affairs
3.1. By completing, signing and submitting an application, you:
3.1.1. are applying to us for a credit facility. This agreement, read together with our self-service portal terms and website terms of use, where applicable, contains the terms and conditions upon which we are willing to provide such a credit facility to you; and
3.1.2. confirm that you have read and understand these terms and conditions, the meaning and consequences of this agreement; and
3.1.3. confirm that you are the person whose details you have given to us as the applicant in the application form.
3.2. All information that you provide us with must be truthful, complete, accurate and correct. You must immediately notify us if any of your information changes. If your application is not complete or if you don’t provide us with any required documentation, we may contact you to obtain the required information or documentation; or we may approve or reject your application.
3.3. At the time of you applying to us for credit or, should your application be successful, at any time during the existence of this agreement, you must immediately notify us if:
3.3.1. you have a direct or indirect link(s) to a major sanctioned country (for example, you currently reside in
Cuba or you conduct business in Iran); or
3.3.2. you are or become a citizen, resident or national of the United States of America; or
3.3.3. you relocate to any place outside of the Republic of South Africa.
3.4. Should any of the events in clause 3.3.1 to 3.3.3 apply to you, we have the right to not enter into this agreement with you, or if your application was already approved at the time that we come to learn of such events, we have the right to immediately terminate this agreement on notice to you. Our rights in terms of this clause shall apply irrespective of whether you notified us in terms of clause 3.3 above or whether we established independently that the clause(s) applies to you.
3.5. Should the major sanctioned country list be updated by us, your obligations in terms of clause 3.3.1 above and our rights in terms of clause 3.4 will apply to such updated list.
3.6. Your application for credit (or a credit limit increase) is subject to our credit approval criteria and to the conditions for granting credit as set out in the Act. We are, however, not obliged to grant your application.
3.7. You consent to us obtaining any information or documentation directly from your employer, bank, credit bureau or any other source for the purposes of assessing your application or any credit limit increase.
3.8. If your application is successful, we will provide you with a pre-agreement, as well as the terms and conditions. The pre-agreement will set out the amount of credit that you qualify for, your interest rate and it will show you how much interest and fees you will pay over a 12-month period if you use the full available credit.
Please see Makro T&C’s no where does it state joint accounts aren’t accepted you must provide details of your bank account and the joint account I have with my husband in currently the only account in my after 26years of marriage it would make sense for our finances and fund to go into one individual account since we work together and manage our companies affairs
Makro's replyOfficial
12 Jun 2019, 15:10 Good day Tashna,
Thank you for taking the time to address your concerns with us.
Kindly accept our apologies for the bad service received. We view this incident in a very serious light and do not condone this sort of behavior at our stores.
This was forwarded to the accounts department and they will be in contact with you in order to resolve this for you. We appreciate your feedback and value you as a loyal Makro customer and are committed to improving continually on our service levels.
Kind regards
Makro Hellopeter Team
Thank you for taking the time to address your concerns with us.
Kindly accept our apologies for the bad service received. We view this incident in a very serious light and do not condone this sort of behavior at our stores.
This was forwarded to the accounts department and they will be in contact with you in order to resolve this for you. We appreciate your feedback and value you as a loyal Makro customer and are committed to improving continually on our service levels.
Kind regards
Makro Hellopeter Team
Best regards,
Makro's reply12 Jun 2019, 15:10
Official
Good day Tashna,
Thank you for taking the time to address your concerns with us.
Kindly accept our apologies for the bad service received. We view this incident in a very serious light and do not condone this sort of behavior at our stores.
This was forwarded to the accounts department and they will be in contact with you in order to resolve this for you. We appreciate your feedback and value you as a loyal Makro customer and are committed to improving continually on our service levels.
Kind regards
Makro Hellopeter Team
Thank you for taking the time to address your concerns with us.
Kindly accept our apologies for the bad service received. We view this incident in a very serious light and do not condone this sort of behavior at our stores.
This was forwarded to the accounts department and they will be in contact with you in order to resolve this for you. We appreciate your feedback and value you as a loyal Makro customer and are committed to improving continually on our service levels.
Kind regards
Makro Hellopeter Team
Best regards,