Horrible customer services and a string of lies.

I requested nedbank nit to debit my account for the persoal loan repayment and they told me the debit was already tracking and they would refund me my money once I have claimed loss if income from the insurance and they had paid. The insurance paid an amount after my claim. I went back to request a refund and was sent from pilar to post with no explanation and time lines for refund. My calls were dropped, I made njmetous followups with reference numbers. I later reported my issue to customer complaints, they gave me a reference number and did not come back to me. I followed up with customer complaints via e-mail and they did not respond. I wasted a lot of time and money following with the bank. The worst is that my insurance paid and no refund. I have no electricity as I was counting on this refund to sort other issues.