REQUEST FOR REFUND IN DISPUTE OVER A NONE AUTHORISED CARD TRANSACTION FOR AN AMOUNT OF R1,174.31 - I

Good day,

Rain Ref: #***0

I made a payment arrangement with rain to be debiting my account on the 15th of every month. Since I am a freelancer, I sometimes pay them earlier than the agreed due date. I understand that my account is in arrears but I have no problem with paying extra. I had an arrangement for debit order to go off on the 15th of January 2025, my money cleared earlier and I advised Rain to debit my account with an amount of R750 on the 13th of January of which a consultant contacted me and a debit order was done. Then she made another arrangement for me to pay the account on the 16th February which I agreed and I told her that I will see if I could pay more than what I paid this month because I wanted to clear my arrears. 15th of January came and I was due to pay my rent, only to discover that an amount of R1,174,31 was debited by rain. I tried contacting their call center which was hard due to high call volumes. I sent them messages on FACEBOOK and it took them almost a week to respond and they told me that no refund is due to me because the money has been credited towards my arrears of which we never agreed for them to debit my account twice. I am now sited in a situation where, I do not have money to pay my land Lord. I have kids. Where do they expect me to get more money to top up on my rent when an agreement was reached with their collections department? Why didn't they tell me that it was been declined, then I was going to make arrangements, they have left me in a limbo. It's January, I have no where else to go and to turn to find money for rent. Please help me. I need this money to be reversed before month end at least so that I can settle my rent. For food it will solve it's self but I need a place to rest with my kids. Thank you. Below are the other reference numbers pertaining to the refund: 1. #***8 - Wed, Jan 15 at 6:21 PM 2. #***8- Wed, Jan 15 at 4:44 PM 3. #***0 - Wed, Jan 15 at 4:43 PM 4. #***6 - Wed, Jan 15 at 3:35 PM

Attached is my transaction history showing what they debited. They can keep the R750 but kindly refund back the R1,174.31 because it was not part of the arrangement for this months debit order.