Legal Action Against Me

On 17 November 2025 I was sold a car by iCar Gezina, unfortunately the car was hijacked on the 6th of December 2025. Upon the unfortunate incident, only a case of kidnaping was opened and a case number for the car could not be generated as the car was already a a ****** asset, flagged. Insurance denied the claims and another discovery was the car was involved in a car accident, another material fact that was not disclosed by the dealership. 7 months later after this ordeal the dealership mentioned that the S-Flag had been removed from the vehicle, this was after the failed case number and the denied insurance claims.

During this I was contacted by Debt Collectors, I stated my case it was during this I was I was introduced to MIOSA. It was ongoing until this year, 11 July 2025 when MIOSA considered the case closed, however it was even mentioned that the dealership is still waiting for confirmation of upliftment from SAPS to this day. Then came another unfortunate convenience that during this time when I had just learned that MIOSA could not assist me, I got a court order. Marquis says the S-Mark was removed prior to their submission of the agreement for litigation and advised that I liaise with their attorneys for guidance, the S-Mark was according to MIOSA removed 7 months after the whole ordeal of no case being registered, insurance denied claims.

I then tried to put myself under debt review program which would assist me in paying the arrears amounts which was rejected because legal action against me was taken. I tried to make arrangements with the Marquis Finance attorneys who then told me they have stopped legal action and my account is with legal, the same legal redirected me back to their attorneys, then the same Findlay attorneys confirmed that the stopped the mater and I would need to make arrangements with the Marquis Finance legal. But I was never contacted, I was never given a chance to negotiate the payment plans. For the past two years my credit has taken a knock and no solution has been reached as I was willing to make these arrangements even though the legal actions against me seem to strongarm me into paying for a car I do not even have, that was already ****** before it was ******. A car which even the car track could not locate and assist and denied by insurance.

I even reached out to the first Debt Counsellor to reach out for me so I can be contacted by Marquis, because I only got a response from their second attorneys who mentioned that my correspondence was indeed sent to their clients as they're not part of the case anymore. I even made a payment to the account and I was still not contacted. I am expected to go above and beyond for an asset I do not have, that up this day I have not received any assistance with except now I am subject to legal action even though I still seek to make arrangements with the party that financed this car.