No consideration

Be careful and read small print of Bond protection cover. My wife and I bought a house financed by SA Homeloans. WE took out all the necessary insurances etc. However, in 2012 my wife was retrenched. At that stage she was suffering from a back problem which affected her mobility. I was however at stage able to coveniently afford repayments on my sole income. In 2014 my wife undergone a spinal fusion operation, during which severe complications accurred, leaving her being treated for depression, PTSD, as well as constant pain which is now resulting in her struggling to perform basic functions such as bathing, getting dressed, cleaning and cooking. We submitted a claim to SA Homeloand for the bond protection cover, and were told that she HAD to be employed directly prior to the disability. (My wife was declared disabled by both her surgeon as well as psychiatrist). She can not go for another operation as the risk is too big because of previous complications. Four or five years after the operations, I was still able to deal with all costs, but now there has been a drastic escalation in my wife's medical costs on a monthly basis, and it has become very difficult to cope. That was the reason we took out the insurance. Whether my wife was disabled immediately before onset, or five years later, the fact remains, she is DISABLED. And we are trying to meet all ends with one income. The time delay in us requesting or submittng the bond protection claim does not make her less disabled. Always changing terms and conditions!!!! I am disgusted