INADEQUATE

<p>I app**** for a R10,000 loan at the end of June, But to date had to pay the admin amount of R1,790 as well as a clearing fee of R2,110 <strong>TWICE</strong> (must now again pay the R2,110 for a <strong>third time</strong>). They apparantly did not receive my payments, though my bank confirmed that all the payments were mde successfully to the given accounts. After not receiving my first payment of R2,110, they sent me the same attorney's account number into which I made the only payment they did receive (second payment of R1,790), but the account number differed from the first time. I mailed them to ask to confirm the correct number, and they admitted that the one they sent me were wrong. Ithen paid it into the one into which I made a successful payment, and now they again did not receive the payment, and require me to pay it over again. They each time add an amount to my loan amount, but if I had <strong>R9,910</strong> to my disposal, why on earth would I apply for a R10,000 loan? What on earth am I to do?</p> <p> </p> <p>From: Marina Van der Merwe <br /> Sent: 13 July 2016 10:30 AM<br /> To: 'RCS PTY'<br /> Subject: RE: Payment Notification</p> <p> Please find attached proof that amount left my account.</p> <p> Kind regards</p> <p>Marina</p> <p> Education is not the learning of facts, but the training of the mind to think. (Albert Einstein)</p> <p> Marina van der Merwe<br /> Specialist: Language Editor & Configuration Management<br /> Cell: 083 ********** <br /> Work tel: (012) ********** <br /> Fax: ***</p> <p> </p> <p>From: Marina Van der Merwe <br /> Sent: 13 July 2016 03:08 PM<br /> To: 'RCS PTY'<br /> Subject: RE: RE: Payment Notification</p> <p> This is the second time that it happens with the same account number. Could you please ensure that that account number is correct?</p> <p>You also did not receive the R1,790 paid to that account.</p> <p> It costs me a lot of money to every time reverse the transactions,</p> <p>Not to mention that it can take up to six weeks to get my money back.</p> <p> Please send me the other account number.</p> <p> Kind regards</p> <p>Marina</p> <p> Education is not the learning of facts, but the training of the mind to think. (Albert Einstein)</p> <p> Marina van der Merwe<br /> Specialist: Language Editor & Configuration Management<br /> Cell: 083 ********** <br /> Work tel: (012) ********** <br /> Fax: ***</p> <p> </p> <p>From: RCS PTY ********** <br /> Sent: 12 July 2016 10:19 AM<br /> To: Marina Van der Merwe<br /> Subject: Re: Payment Notification</p> <p> Dear MRS VAN DER MERWE MARINA,</p> <p> Kindly note that Rcs have not yet confirmed the payment of R2110 for database registration, to finanlize with the transfer of your approved loan sum into your account, kindly check your account to see if the money left your account . Thank you.</p> <p> Regards,<br /> Rcs Loan Management/ Approval Unit<br /> Tel: +***8<br /> +***3<br /> Fax: ********** </p> <p> From: RCS PTY ********** <br /> Sent: 13 July 2016 02:19 PM<br /> To: Marina Van der Merwe<br /> Subject: Re: RE: Payment Notification</p> <p> </p> <p>Dear MRS VAN DER MERWE MARINA,</p> <p> Kindly note that no such payment was received by Rcs as uptill now so kindly request charge back your money from your back the money will be credited into your account . then Rcs will provide you another account to go and make the deposit for the database registration fee. Thank you.</p> <p> Regards,<br /> Rcs Loan Management/ Approval Unit<br /> Tel: +***8<br /> +***3<br /> Fax: ********** </p> <p>WRONG ACC #</p> <p>Dear MRS VAN DER MERWE MARINA,</p> <p> BANK DETAILS:<br />NAME :FB MNGUNI<br /> ACCOUNT NUMBER: ********** 111<br /> BANK NAME: ABSA<br /> BRANCH CODE: 632 005<br /> ***<br />Thanks for your understanding and cooperation.<br />Regards,<br /> Rcs Loan Management/ Approval Unit<br /> Tel: +***8<br /> +***3<br /> Fax: ********** </p> <p>From: Marina Van der Merwe <br /> Sent: 14 July 2016 09:32 AM<br /> To: 'RCS PTY'<br /> Subject: RE: RE: RE: Payment Notification</p> <p> Could you please confirm the account number.</p> <p> The Account number of the last payment I made to FB Mnguni differs.</p> <p> The account number was: 932 ********** and not 932 ********** </p> <p> Kind regards</p> <p>Marina</p> <p> Education is not the learning of facts, but the training of the mind to think. (Albert Einstein)</p> <p> Marina van der Merwe<br /> Specialist: Language Editor & Configuration Management<br /> Cell: 083 ********** <br /> Work tel: (012) ********** <br /> Fax: ***</p> <p> </p> <p>From: RCS PTY ********** <br /> Sent: 14 July 2016 10:02 AM<br /> To: Marina Van der Merwe<br /> Subject: Re: RE: RE: RE: Payment Notification</p> <p> Dear MRS VAN DER MERWE MARINA,</p> <p> Thank you for your quick notice here is the right details below<br /> BANK DETAILS:<br />NAME :FB MNGUNI<br /> ACCOUNT NUMBER: ********** 488<br /> BANK NAME: ABSA<br /> BRANCH CODE: 632 005<br /> ***<br />Thanks for your understanding and cooperation.<br />Regards,<br /> Rcs Loan Management/ Approval Unit<br /> Tel: +***8<br /> +***3<br /> Fax: ********** </p> <p>From: Marina Van der Merwe <br /> Sent: 15 July 2016 10:39 AM<br /> To: 'RCS PTY'<br /> Subject: RE: RE: Payment Notification</p> <p> To whom it may concern</p> <p> I have spoken to my bank (Nedbank) regarding reversal of the payment of R2,110 made by me on 07-07-2016,<br /> to the account below, as per your request.</p> <p> HOWEVER, the payment did go through on the same day, into the mentioned account. Nedbank states that it is your responsibility<br /> to credit me with the mentioned amount, since the payment has been successful into the account number provided by you.</p> <p> Account number: VM MNTUMNI: ********** 358<br /> Bank name: ABSA</p> <p>Branch code: 632 005</p> <p>Reference: RMT12164KT</p> <p>Date: 2016-07-07</p> <p>Amount: R2,110</p> <p> Please advise.</p> <p>Kind regards</p> <p>Marina</p> <p>Dear MRS VAN DER MERWE MARINA,</p> <p> Kindly note that we did receive the proof of payment for database registration you send to this office but has not yet confirmed this kind of payment usally takes 72hrs to confirm this is more reason we do advise our customer to always make payment via bank deposit for fast processing. Kindly hold as soon as your payment is confirmed your approved loan sum will be credited into your account.<br />Thanks for your understanding and cooperation.<br />Regards,<br /> Rcs Loan Management/ Approval Unit<br /> Tel: +***8<br /> +***3<br /> Fax: ********** </p> <p>Dear M Van der Merwe</p> <p> Thank you for your request.</p> <p> Kindly be advised that Firstrand was unsuccessful in reversing the amount of R1 790,00 to your Absa account.</p> <p> Due to the stipulations in the Banking Code of Practice we cannot assist or give the reason why it was unsuccessful. Your request could be unsuccessful due to the following reasons: Insufficient funds or no authority to debit the third party's account.</p> <p> Legally Absa cannot access a client’s or company's account without their permission. You will need to contact the third party directly to make arrangements for a reversal.</p> <p> If you do not know the third party, you need to consult with an attorney to get a court order to compel the specific bank to release the personal information of their client. With this information you can sue the person for unjustified enrichment.</p> <p> Should you require any other assistance or information, please email our Absa email Services at ********** <p> Regards</p> <p> Eulanda Stuurman</p> <p>Disputes</p> <p>Customer Resolution</p> <p>Absa Service Centre</p> <p>www.absa.co.za</p> <p>From: Nedbank Contact Centre ********** <br /> Sent: 16 July 2016 07:16 AM<br /> To: Marina Van der Merwe<br /> Subject: RE: Payment reversal</p> <p> Good Day</p> <p> Thank you for your email query.</p> <p> We have traced the payment and it does show a successfully payment to ABSA bank on the 07/07/2016.</p> <p>Please be advised that EFT payments cannot be stopped or reversed.</p> <p>We noticed that the payment was made from your credit, therefore we would advised that you log a missing payment query with our card division.</p> <p> Please kindly contact ********** 111/ ********** 000 for further assistance.</p> <p> Kind Regards</p> <p>From: RCS PTY ********** <br /> Sent: 16 July 2016 10:53 AM<br /> To: Marina Van der Merwe<br /> Subject: Re: FW: Reversal of payment [EC: 28c7b1e0]</p> <p> Dear MRS VAN DER MERWE MARINA,</p> <p> Kindly note that Rcs has not yet still confirmed the payment you send to the account details given to you, Rcs have contacted that back to no the reason why your payment never received,and also intructed the back to reverse back your money to your account, still waiting for the bank respond , Rcs advice you to go and make cash deposit directly to this bank details below . Rcs have added up the charges your bank will charge you which sum the total of R14110 you will be receiving in your account when transfering your approved loan amount.</p> <p> NAME :FB MNGUNI<br /> ACCOUNT NUMBER: ********** 488<br /> BANK NAME: ABSA<br /> BRANCH CODE: 632 005<br /> ***<br /> Thanks for your understanding and cooperation.<br />Regards,<br /> Rcs Loan Management/ Approval Unit<br /> Tel: +***8<br /> +***3<br /> Fax: ********** </p> <p> </p> <p> </p>