NCR Complaint Reference C63688

I am writing to follow up on my request for your intervention and guidance in holding both FNB and CDS CONSULTING PTY LTD accountable in a matter that has caused me significant emotional and financial distress and I will not stop knocking in every door until I get all the stones turned to get my money back so I can pay ABSA Home Loan and PickNPay.

1. Complaint Submission and Lack of Response 1.1 On 30 July August 2025, CDS CONSULTING PTY LTD debited R9,364.11 from my FNB Aspire Account. 1.2 On 6 August 2025, I submitted complaint forms, an affidavit, and my bank statement to support my case as required by NCR. 1.3 Despite numerous follow-up emails requesting updates and turnaround times, I have received no response from the NCR. 1.4 FNB closed my case a number of times based on the ********* documents submitted by CDS CONSULTING PTY LTD, which I believe to be untruthful and misleading, until after I wrote to Devi to intervene + mentioning that I believe that CDS CONSULTING PTY LTD's documents do not have my electronic signature and I don't where they got that signature...I am still waiting for FNB's next round of investigation. 1.5 I suspect CDS CONSULTING PTY LTD may have access to inside information and is manipulating FNB’s internal processes.

2. Background and Initial Concerns Documents submitted to Mr. Mpilo Mdluli at FNB allegedly prove my agreement to Debt Review had different signatures to my electronic signature.

3. Security and Signature Concerns 3.1 I am deeply concerned about the security risks associated with AI and electronic documentation. 3.2 The Electronic Debit Mandate Authority form contains a signature that appears to be mine. 3.3 After receiving CDS Consulting document forward by FNB to me on 9 October 2025, I went back to search for correspondence and events of 3 July 2025 and comparing signatures, I found clear discrepancies. 3.4 I respectfully request a forensic comparison of my electronic signature and the one submitted by CDS CONSULTING PTY LTD.

4. Interaction with CDS CONSULTING PTY LTD 4.1 I was contacted via phone, not in person, unfortunately to my *favor* the electricity signature does not change and I repeat that the signature on the CDS CONSULTING PTY LTD's documents are not the same as on the othe document I sent to NRC.

4.2 The CDS CONSULTING PTY LTD agent claimed the offer was a *government* initiative to reduce interest rates from ABSA and PickNPay. 4.3 I requested an email for verification our discussion but I was surprised to receive one mentioning I am Debt Review. 4.4 I immediately responded, stating I did not wish to be placed under Debt Review.

5. Supporting Evidence and Irregularities 5.1 ABSA’s Distressed Customer Solutions letter dated 03/07/2025 declined CDS CONSULTING PTY LTD’s application. Yet, CDS CONSULTING PTY LTD went on to debit my account. 5.2 Another alarming point is that the FNB sent a notification for the receipt of CDS CONSULTING PTY LTD application to my work email, which is unusual as I typically receive their correspondence via Gmail. 5.3 I did not receive any DebiCheck authorization request via my cellphone app. 5.4 If the mandate form was mistakenly deleted, investigators should be able to trace it via email records.

6. FNB Branch Interaction 6.1 On 23 and 26 August 2025, I visited Centurion Mall FNB branch to close my Aspire Account, to avoid CSDConsulting PTY Ltd debiting my account again. 6.2 The FNB agent confirmed that if a DebiCheck had been done, it would have been visible. 6.3 She advised that the strongest complaint point is questioning why FNB allowed the debit without DebiCheck authorization.

7. Request for Investigation 7.1 I am willing to provide my work laptop and cellphone for forensic analysis to support my appeal.

8. Unanswered Questions 8.1 Why couldn’t FNB reverse the debit orders from CDS CONSULTING PTY LTD, while they could help me reverse my other service providers' Debit Orders that I had legimate agreements with? I saw the Debit Order on the night of July 29, I went to FNB Woodmead branch to requested the reversal on July 30. FNB agent told it has not yet deducted from my account, I must wait for it to debit and I must ask Secure Chat to reverse it for me. I woke up in the middle of the night to ask FNB Secure Chat, which failed to help me - saying it could only be reversed by the service provider. Why? 8.2 If CDS CONSULTING PTY LTD is legitimate: 8.2.1 Do they have call recordings with prospects? 8.2.2 I have been in voluntary Debt Review before, the company I was using at the time obtained a Court Order, called me to their offices to sign a contract me and advised me on the date for the start date of the Debt Review Debit Orders and prepared me on what do to avoid my account duplicate charged. But not any of such from CDS Consulting PTY Ltd. Why? 8.2.3 Why are the CDS CONSULTING PTY LTD's emails unanswered and contact numbers unreachable? 8.2.4 Why is the CDS CONSULTING PTY LTD removing reviews from HelloPeter? 8.2.5 CDS CONSULTING PTY LTD took my money from account, but why haven’t they paid that money to ABSA and PickNPay yet or returned it to me or followed up on the next debit order?

9. I am deeply concerned about the conduct of CDS Consulting PTY Ltd and the way their services are being imposed without clear consent or transparency.

9.1 Forced Services: 9.1.1 Why is CDS Consulting PTY LTD buldozing their services on individuals who have not explicitly agreed to them? 9.1.2 If major institutions like ABSA and PicknPay have not formally partnered with CDS Consulting PTY LTD, why am I being debited for services I did not request? 9.1.3 Even big banks such as FNB cannot not reverse CDS CONSULTING PTY LTD's Debt Orders? Why?

10.Right to Withdraw Consent: 10.1 Even if for argument sake, I had agreed to CDS CONSULTING PTY LTD's services as they claim, don't I have the right to change my mind? I sent a clear email on 4 July 2025 stating that I don't wish to use their services. Is that email not sufficient to terminate any agreement? Many other contracts have cooling off periods, where the client can decide not to continue with the agreement. Why is CDS CONSULTING PTY LTD so forceful and why would I need their services when I am under ABSA Distressed Customer Solutions? Is CDS CONSULTING PTY LTD not a duplication? 10.1.2 Ignoring such a request is not only ********* and it may be #********#.

11. Final Appeal 11.1 I urge NCR Management to hold CDS Consulting PTY LTD accountable for these practices and to scrutinize their dealings with this company and demand transparency, consent, and respect for consumer rights. 11.2 The emotional and additional R9,364.11 financial distress caused is severely impacting my well-being as well my career advancement as I cannot apply for any job promotions when I am under Debt Review. 11.3 I respectfully request a thorough investigation and a timely response.

I have been sent from ***; ***; *** and even the manager ***; has never responded to my calls.

Please feel free to contact me should you require more information or any further evidence or clarification regarding the statements above.

I trust that my request will receive your favourable consideration.

Sincerely