Incompetence of Nedbank Home Loan and BBMLAW Firm

Am a client for Nedbank since 2006, I have a Home loan with them, I was retrenched 2019 and Nedbank was advised. In 2020 Nedbank offered Covid relief plan and thy requested documents to support the application, I submitted and was approved. Little did I know my Instalment after that was going to hike from R2, 200p/m to R2,800p/m after the relief period.

I contacted Nedbank and asked if possible the instalment can be reduced since I was still unemployed they requested I provide payslips or bank statement showing how much I was making in my business per month, so I decided to try and pay the new imposed instalment because I had none of the requested documents to get the new instalment I requested.

Years went by, I struggled to pay but made sure I pay something towards my account, the account accumulated arrears and Nedbank would call and force me to agree on an arrangement which I knew I wasn't going to adhere to and when I refuse they send a message end of the month stating please pay the arranged agreed amount am sure to use it against me later, God knows where.

In December 2021 I paid R6000 leaving my arrears just slightly above R2000,

This year 2022 February Statement, my arrears were sitting on R2 509,35 on 30Days and Current on R2 836,17, made payments even though for February less paid R836,17 and March less paid R129,16 because end of March 2022 I noted my instalment was adjusted from R2 836,17 to my old instalment that I was on before the Covid Relief which was R2 279,16, not sure if this was done because they were sure they will reposes my property since they had handed me over to BBMLaw Lawyers and I had been summoned, received Documents from Sherrif of court on the 14th of April 2022

I contacted the Lawyers and Nedbank Legal team acknowledging the documents and Wendy from BBMLaw drafted arrangement figures for me to adhere to from 1st of May 2022, with wrong figures of R6 600 Arrears, I sent 3 emails advising her of the correct amount in Arrears of R1 124, 68 but she ignored my emails, I reconciled for Wendy and Nedbank after send them couple of emails working from February 2022 statement with all the payments I had made, Wendy still ignored more had to contact Nedbank Home Loans collections and I asked for my detailed statement, the consultant who assisted me was Ivan Tshabalala he confirmed 2 payments were not updated for March and April and he apologized.

My question was to Wendy if I can reconcile my own account while am the Defendant what is Nedbank doing and why would BBMLAW give Nedbank clients wrong arrangement figures?

How many Nedbank Clients who can't reconcile their own accounts are you imposing such high arrangements plans and some will fear to challenge thinking you will reposes their houses.

After that I received an updated statement from Nedbank was charged 4 times fees for BBMLAW .....which accumulates to almost R900

I dispute the legal cost, I only received documents for Sheriff on the 14th of April 2022 and my arrears before the 14th of April was R3 474,68 And another payment of R2350,00 was made on the 17th of April 2022 leaving me on R1124,68 in Arrears nothing more nothing less.

Nedbank, did not liaise with their Lawyers regarding the payments I have been making and Wendy imposed a high payment method on me before investigating my payments.

They wasted my time doing reconciliation for them.

Am disappointed at Wendy and Nedbank's incompence, that I had to reconciliation for them over and over again and Wendy still disputed it and went ahead and used old figures to pass her monthly payment judgement.

After I realised with Wendy, I noted her unwillingness to double check my point, I contacted Nedbank Home Loan for an updated statement the consultant confirmed two payments I confirmed of R2150 and R2350 was not reflecting and he promised to update it and then he send me an updated Statement.

In future BBMLAW must double check with Nedbank if their Clients have done payments and request an updated statement before concluding on wrong figures.

Nedbank in future they shoukd do their job on making sure the statement of a defendant is updated to avoid such, cause anxiety on people because you know u can Repose their house to gain more for the bank.

How many of your clients are u imposing wrong figures and they end up paying because thy fear loosing their houses, worse if thy can't reconcile for themselves?