FORMAL DEMAND FOR IMMEDIATE REMOVAL OF WRONGFUL ADVERSE CREDIT LISTING

SANLAM LOAN DEPARTMENT

FORMAL DEMAND FOR IMMEDIATE REMOVAL OF WRONGFUL ADVERSE CREDIT LISTING

I write with extreme dissatisfaction and concern regarding the ******** and negligent adverse listing placed against my name by Sanlam despite my loan account being fully active and consistently paid via monthly debit order.

For the avoidance of any doubt, I have not missed a single instalment payment. My account has remained active, funded, and compliant at all material times. Your records, together with my bank statements, will clearly confirm uninterrupted monthly payments without default, arrears, or failed debit orders.

It is therefore unacceptable, reckless, and grossly negligent that I discovered I had been negatively listed for an alleged amount of approximately R539. What makes this matter even more concerning is that upon initially contacting your offices, your representatives advised that no such issue or listing existed on your system. Only thereafter was I requested to submit three months’ bank statements, which I duly provided without delay.

Following submission of the required documents, I was informed that the adverse listing was “being removed,” which is a direct indication that the listing was incorrectly and improperly placed against my name in the first instance.

Your conduct has caused serious reputational harm, emotional distress, inconvenience, and potential prejudice to my credit profile and financial standing. Such conduct is entirely unacceptable from a financial institution entrusted with handling consumers’ financial records responsibly and lawfully.

Take notice that I hereby demand the following with immediate effect:

Immediate removal of the adverse listing from all credit bureaus and internal systems;

Written confirmation, on an official Sanlam letterhead, confirming that the listing has been fully removed and that my credit profile has been corrected;

A formal written apology acknowledging the wrongful listing and the inconvenience and prejudice caused;

Written assurance that no further adverse reporting or prejudicial action will occur in relation to this matter.

Should this matter not be resolved urgently, I reserve all my rights to escalate the matter to the National Credit Regulator, the Credit Ombud, the Information Regulator, and any other relevant regulatory or legal authority for further investigation and relief, including any damages arising from prejudice suffered as a result of your wrongful conduct.

I expect this matter to receive urgent attention and to be resolved without further delay.