De*****ed by the 'Financial Giant'

I'd taken a loan from Standard Bank in 2012, After repaying for almost 5 years I learnt that the loan amount was actually increasing as opposed to reducing. When I questioned this with Standard bank they could not give me any answers. They seemed to have developed some sort of amnesia as they had forgotten to mail me the contract I had signed with them, as the consultant I signed with in the Umhlanga branch did not give me a copy as 'the loan was done in JHB and he was just facilitating the signing of documents only'. They'd also neglected to remember to send me statements as they'd promised me that they'd email me statements every quarter. when I realised that the amount was escalating while I was paying them made numerous calls to the bank querying this however I could not get any feedback. I eventually made a call to stop paying the instalments until they sent me the contract as I felt that they were now de*****ing me and abusing their position as a credit grantor. In January 2017 I started sending them emails querying this and still did not get any responses/ feedback.. I then logged a complaint in Feb. 2017 with STD Bank Ref# ********** 872 - no resolution, they only sent me a ' fictitious' copy of a restructured contract, I then logged a complaint with the banking ombud in Sep 2017 - ref# 17/ 11-0128,, which is still being investigated after so many months.

In the mean time Standard bank has handed my account over to the collections agency. They've also messed up my credit/ payment profile.