NG
Nandhagopaul G
1 reviews | Active since Jul 2023
20 Jan 2026, 12:43
Momentum not prepared to assist with Momentum policy
I took out a Momentum policy, through Bloom Financial Services. The month that I took it out, they advised that they will be increasing the premiums. I contacted them and made them aware that I was not happy with this. They insisted that the increase will stand. I cancelled my policy. I was notified in writing by a manager that I will be refunded the premium paid within 7-14 working days. This was on 27 Nov 2025. The policy started on 1 Nov 2025 and I did not use any benefits. On 8 Jan, I was informed that they will not be refunding me. I have taken this up with both Bloom and Momentum and they dont see to care. I will take them to court and have them pay the costs, as this is dishonest and *********. I have all correspondence in writing.
Helpful (0)
Replies (2)0
Replies (2)
Momentum Health's replyOfficial
20 Jan 2026, 13:12Good day Vicky Gopal
Your request for a refund of the insurance premium was reviewed and declined. Bloom financial Services have been in contact with you and explained due to you being covered for the month being November they cannot refund you. Whilst we understand your fustration, you did sign into a contact with Bloom Financial services and policy was followed.
Kind regards
Jody Saunders
Your request for a refund of the insurance premium was reviewed and declined. Bloom financial Services have been in contact with you and explained due to you being covered for the month being November they cannot refund you. Whilst we understand your fustration, you did sign into a contact with Bloom Financial services and policy was followed.
Kind regards
Jody Saunders
Momentum Health's reply20 Jan 2026, 13:12
Official
Good day Vicky Gopal
Your request for a refund of the insurance premium was reviewed and declined. Bloom financial Services have been in contact with you and explained due to you being covered for the month being November they cannot refund you. Whilst we understand your fustration, you did sign into a contact with Bloom Financial services and policy was followed.
Kind regards
Jody Saunders
Your request for a refund of the insurance premium was reviewed and declined. Bloom financial Services have been in contact with you and explained due to you being covered for the month being November they cannot refund you. Whilst we understand your fustration, you did sign into a contact with Bloom Financial services and policy was followed.
Kind regards
Jody Saunders
NG
Anneline
Anneline
Anneline
Nandhagopaul G's updateReviewer Update
21 Jan 2026, 14:56Hi Momentum / Jody Saunders
The contract has a cooling off period within which you can cancel. Moreover, if you give notice that you increasing the premiums a few days after the contract was taken, you have the right to cancel if agreed with the company. Please take note of correspondence with Bloom Financial Services so you know that they agreed to the cancellation and refund:
The contract has a cooling off period within which you can cancel. Moreover, if you give notice that you increasing the premiums a few days after the contract was taken, you have the right to cancel if agreed with the company. Please take note of correspondence with Bloom Financial Services so you know that they agreed to the cancellation and refund:
From: Bloom Billing <***re>
Sent: Thursday, 08 January 2026 11:11
To: Gopaul, Vicky <***>
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email] [M7V3VL8] [M8L8MAE]
Sent: Thursday, 08 January 2026 11:11
To: Gopaul, Vicky <***>
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email] [M7V3VL8] [M8L8MAE]
Good Day Mr Gopaul
Trust you are good and well.
I have tried contacting you on *** to no avail.
I have received feedback from the management and finance department in regards to you refund request.
Sir the refund request has been declined has the policy incepted on the 01/11/2025 and was terminated on the 27/11/2025 by a manager that you had spoken to. The manager has listened to the sales call and given you feedback on the 27/11/2025.
We do understand if your mom did not use the benefits but it was available to be used for the month of November 2025.
We do apologize for any inconveniences caused.
Please let me know when you are available so I can call you.
Kind Regards
Anneline
Billing
Address:
2 Park Lane, Umhlanga Ridge, 4319
Phone:
***
Website:
From: Billing <***re>
Sent: 07 January 2026 06:01
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email] [M7V3VL8]
Good day Mr Gopaul
Trust you are well.
I have received your email. As per our telephonic conversation on the 22/12/2025, I did advise you we will be looking into the refund request again and you had requested to speak to a manager, I had advised you that between the 6th -9th of January a manager will be in contact with you.
I have re escalated the refund request once more.
Once I have more feedback I will make contact with you.
Kind Regards
Anneline
Billing
Address:
2 Park Lane, Umhlanga Ridge, 4319
Phone:
***
Website:
From: Gopaul, Vicky <***>
Sent: 06 January 2026 16:01
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email]
Hi
Please see your mail below sent on 27 Nov. It is now 6 Jan and I have not had any refund.
I will go on Hello Peter daily, until you refund and apologise for the poor manner you handled and will also involve Momentum as the party involved.
Regards
Gopaul
***
From: Gopaul, Vicky
Sent: Monday, 22 December 2025 11:59
To: 'Bloom Billing' <***re>
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email]
Sent: Monday, 22 December 2025 11:59
To: 'Bloom Billing' <***re>
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email]
Hi
Please note that I have not received my refund as yet. I am going to post on Hello Peter.
Regards
Gopaul
***
From: Gopaul, Vicky
Sent: Wednesday, 17 December 2025 09:28
To: 'Bloom Billing' <***re>
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email]
Sent: Wednesday, 17 December 2025 09:28
To: 'Bloom Billing' <***re>
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email]
Hi
Please note that it has been more than 14 days and my refund has not come through my bank account. Please can you look into.
Regards
Gopaul
***
From: Bloom Billing <***re>
Sent: Thursday, 27 November 2025 10:07
To: Gopaul, Vicky <***>
Subject: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email]
Sent: Thursday, 27 November 2025 10:07
To: Gopaul, Vicky <***>
Subject: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email]
-----------------------------------------------------------------------------------------------------------------------------------
CAUTION - EXTERNAL SENDER -Please be careful when opening links and attachments! FNB Cyber Security Office.
-----------------------------------------------------------------------------------------------------------------------------------
Good Morning Mr Gopaul
Trust you are well.
This email is to confirm that your Momentum Health 4 Me policy H4M_*** has been terminated has of the 27 November 2025.
A refund request for the amount of R1580.00 has been submitted. Please note that the timescales for refunds are within 7 - 14 working days.
Kind Regards
Anneline
Billing
Address:
2 Park Lane, Umhlanga Ridge, 4319
Phone:
***
Website:
NG
Nandhagopaul G's update21 Jan 2026, 14:56
Reviewer Update
Hi Momentum / Jody Saunders
The contract has a cooling off period within which you can cancel. Moreover, if you give notice that you increasing the premiums a few days after the contract was taken, you have the right to cancel if agreed with the company. Please take note of correspondence with Bloom Financial Services so you know that they agreed to the cancellation and refund:
The contract has a cooling off period within which you can cancel. Moreover, if you give notice that you increasing the premiums a few days after the contract was taken, you have the right to cancel if agreed with the company. Please take note of correspondence with Bloom Financial Services so you know that they agreed to the cancellation and refund:
From: Bloom Billing <***re>
Sent: Thursday, 08 January 2026 11:11
To: Gopaul, Vicky <***>
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email] [M7V3VL8] [M8L8MAE]
Sent: Thursday, 08 January 2026 11:11
To: Gopaul, Vicky <***>
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email] [M7V3VL8] [M8L8MAE]
Good Day Mr Gopaul
Trust you are good and well.
I have tried contacting you on *** to no avail.
I have received feedback from the management and finance department in regards to you refund request.
Sir the refund request has been declined has the policy incepted on the 01/11/2025 and was terminated on the 27/11/2025 by a manager that you had spoken to. The manager has listened to the sales call and given you feedback on the 27/11/2025.
We do understand if your mom did not use the benefits but it was available to be used for the month of November 2025.
We do apologize for any inconveniences caused.
Please let me know when you are available so I can call you.
Kind Regards
Anneline
Billing
Address:
2 Park Lane, Umhlanga Ridge, 4319
Phone:
***
Website:
From: Billing <***re>
Sent: 07 January 2026 06:01
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email] [M7V3VL8]
Good day Mr Gopaul
Trust you are well.
I have received your email. As per our telephonic conversation on the 22/12/2025, I did advise you we will be looking into the refund request again and you had requested to speak to a manager, I had advised you that between the 6th -9th of January a manager will be in contact with you.
I have re escalated the refund request once more.
Once I have more feedback I will make contact with you.
Kind Regards
Anneline
Billing
Address:
2 Park Lane, Umhlanga Ridge, 4319
Phone:
***
Website:
From: Gopaul, Vicky <***>
Sent: 06 January 2026 16:01
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email]
Hi
Please see your mail below sent on 27 Nov. It is now 6 Jan and I have not had any refund.
I will go on Hello Peter daily, until you refund and apologise for the poor manner you handled and will also involve Momentum as the party involved.
Regards
Gopaul
***
From: Gopaul, Vicky
Sent: Monday, 22 December 2025 11:59
To: 'Bloom Billing' <***re>
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email]
Sent: Monday, 22 December 2025 11:59
To: 'Bloom Billing' <***re>
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email]
Hi
Please note that I have not received my refund as yet. I am going to post on Hello Peter.
Regards
Gopaul
***
From: Gopaul, Vicky
Sent: Wednesday, 17 December 2025 09:28
To: 'Bloom Billing' <***re>
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email]
Sent: Wednesday, 17 December 2025 09:28
To: 'Bloom Billing' <***re>
Subject: RE: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email]
Hi
Please note that it has been more than 14 days and my refund has not come through my bank account. Please can you look into.
Regards
Gopaul
***
From: Bloom Billing <***re>
Sent: Thursday, 27 November 2025 10:07
To: Gopaul, Vicky <***>
Subject: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email]
Sent: Thursday, 27 November 2025 10:07
To: Gopaul, Vicky <***>
Subject: Momentum H4M_*** [#1TOS] [LPAD68Q] - [External Email]
-----------------------------------------------------------------------------------------------------------------------------------
CAUTION - EXTERNAL SENDER -Please be careful when opening links and attachments! FNB Cyber Security Office.
-----------------------------------------------------------------------------------------------------------------------------------
Good Morning Mr Gopaul
Trust you are well.
This email is to confirm that your Momentum Health 4 Me policy H4M_*** has been terminated has of the 27 November 2025.
A refund request for the amount of R1580.00 has been submitted. Please note that the timescales for refunds are within 7 - 14 working days.
Kind Regards
Anneline
Billing
Address:
2 Park Lane, Umhlanga Ridge, 4319
Phone:
***
Website: