********** activity noted by bank

Dear Judith,

Kindly understand that I am very educated and know what an honouring fee is. Your company charged me honouring fees x 2 and there were 0 debits going off. See the attached image for a visual representation of what I am telling your company.

Its ***** and theft ! I will open charges at Spring police station tomorrow should this and the cancellation of Stanlib money market not take place and get resolved.

Without prejudice or judicial consequence (or prosecution),

Taryn Drazek
(unavailable telephonically daily from 07:00-15:00)

And I am MISS Taryn Drazek. Further illustrating you didn't read anything I wrote or attached regarding my matter.

Without prejudice or judicial consequence (or prosecution),

Taryn Drazek
(unavailable telephonically daily from 07:00-15:00)

Good day Taryn

Trust you are well.

Please review your statement from the 12/06 and check the transaction that were honored on your behalf. When these purchases and transfers were made you had no funds available on your account and the bank honored these transaction to save you the inconvenience of returning these transactions hence the reason why you were charge Honoring fees for R130.00. We will not be able to reverse these fees.

We humbly apologize for the inconvenience.

Thank you

Thabisile

Standard Bank email disclaimer and confidentiality note
Please go to http://www.standardbank.co.za/site/homepage/emaildisclaimer.html to read our email disclaimer and confidentiality note. Kindly email ********** (no content or subject line necessary) if you cannot view that page and we will email our email disclaimer and confidentiality note to you.

Thank you finally responding after me having to first harrass and call Standard Bank.

As I told your call centre agent earlier, I have never ever had to make ’use’ of this honouring fee system. I only have ever used money in my account, which obviously no one looks at my credit history to note. As I also stated to your call-centre agent, I found the sms that proved to me that I had money in the account on the day of the purchases I made at pep stores for pyjamas and at Woolworths for soup (SEE ATTACHMENT). I even recall logging on to my profile via the application to check if there was any surplus funds, as I try cover all the debit orders and know the ridiculous fees some institutions charge. I have never know how utterly ridiculous the fees were with Standard Bank, As I stated that I have never ever had to pay your so-called "honouring fee".

As a person, I would like you to check up on my statements, even about logging on to my cellphone application (surely you have some people in the I.T. department who might be able to do this).

I'm telling you this before I go to the police station to lay charges of theft and *****, as there WERE fund in my account and if it wasn't such a hassle to change where my salary goes to I would've changed to FNB long ago as there are constant battles with your company and have had bad experiences (salary changes for the Department of Education requires myriads of forms and have many requirements).

Also, I expect proof in writing yet again that my Stanlib money market account was closed in 2015 before I further include that in the charges I feel I should lay against your company, because if I find time finally to sift through all my paperwork, I have the paper somewhere stating that it was closed. How many more hundreds (now thousands) will your company take bit by bit from clients and then find little loop-holes and technical jargon to get away from any blame?

When I bought online from Woolworths, I had money in my account, when I did the abovementioned purchases, I had funds... I have zero reason whatsoever!

I currently transferred R300 from my credit card just now purely to avoid a bad credit rating. This will also be placed on your social media, on hellopeter.com, and forwarded to every other e-mail contact I have for your company, as your call centre is always having "high call volumes" and one only gets a response if they have to harrass and annoy your company with a terrible attitude (out of pure shock at blatant outright theft, according to me).

Without prejudice or judicial consequence (or prosecution),

Taryn Drazek
(unavailable telephonically daily from 07:00-15:00

IMG_ ********** 9_094240.jpg

Screenshot_***.png

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From: Taryn Mariana
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Subject: Fwd: Re: SOCIAL MEDIA COMPLAINT: TARYN DRAZEK
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Please read my previous response and look at my attached evidence.

I had money in the account and advised you of what you must do. Its pointless for me to waste time repeating what I said in the email response prior to this one. I can copy and paste for you and we can continue this proverbial dance of you guys blaming me, and I point out I had funds.

Please do not undermine and underestimate your clients, and know I am tired of these kinds of stories. I will persist and persue this matter with the S.A.P.S and relevant authories. Kindly do your jobs and actually follow up on my claims.

Without prejudice or judicial consequence (or prosecution),

Taryn Drazek
(unavailable telephonically daily from 07:00-15:00)

Good day Taryn

Thank you for contacting us.

Kindly be advised that the Retail E-mail Unit does not have the authority to reverse valid charges on an account.

We therefore suggest as a way forward, that you contact your branch for further assistance regarding the above.

You are welcome to contact us should you require further assistance.

Kind regards

Nosipho Sithole
Customer Contact Centre E-mail Unit

Standard Bank email disclaimer and confidentiality note
Please go to http://www.standardbank.co.za/site/homepage/emaildisclaimer.html to read our email disclaimer and confidentiality note. Kindly email ********** (no content or subject line necessary) if you cannot view that page and we will email our email disclaimer and confidentiality note to you.

Please read my previous response and look at my attached evidence.

I had money in the account and advised you of what you must do. Its pointless for me to waste time repeating what I said in the email response prior to this one. I can copy and paste for you and we can continue this proverbial dance of you guys blaming me, and I point out I had funds.

Please do not undermine and underestimate your clients, and know I am tired of these kinds of stories. I will persist and persue this matter with the S.A.P.S and relevant authories. Kindly do your jobs and actually follow up on my claims.

Without prejudice or judicial consequence (or prosecution),

Taryn Drazek
(unavailable telephonically daily from 07:00-15:00)

Good day Taryn

Thanks for the response.

Please provide us with the confirmation letter for your Stanlib Money market and the branch that assisted you with the Account closure so that we can follow up with them.

We look for to your response.

Regards

Thabisile

Standard Bank email disclaimer and confidentiality note
Please go to http://www.standardbank.co.za/site/homepage/emaildisclaimer.html to read our email disclaimer and confidentiality note. Kindly email ********** (no content or subject line necessary) if you cannot view that page and we will email our email disclaimer and confidentiality note to you.

No problem.When I have moment free from educating LSEN learners to become productive and inclusive citizens.

In the mean time, you can contact the Springs branch regarding this matter.

Without prejudice or judicial consequence (or prosecution),

Taryn Drazek
(unavailable telephonically daily from 07:00-15:00)

Standard B ank has been prevented from deducting money from their customer's accounts to settle debts without their permission following last week’s High Court ruling in favour of the National Credit Regulator (NCR).


Nomsa Motshegare, NCR's chief executive, said yesterday (Monday) the ruling would result in consumers giving banks permission to transfer funds from savings accounts in order to honour credit debts.

“The NCR welcomes this judgment as it protects consumers from financial difficulties caused by the arbitrary transfer of funds from their accounts by banks”, said Motshegare.


Two years ago the NCR took Standard Bank to task for debiting accounts of customers without their permission based on a loophole in the application of the common law principle called set-off.

The NCR approached the court for a declaratory order to clarify whether Section 90 and 124 of the National Credit Act (NCA) rendered the common right of law set-off in was applicable in credit agreements.

The common law set-off principle permits the bank to debit money immediately from a client’s account as soon as there is money without authorisation and any amount the bank considers to be due to it.

“Banks should obtain permission from consumers before transferring funds from consumers’ accounts to pay amounts due under credit agreements”, Motshegare said.

Judge Raylene Keightley on Friday ruled that section 124 excludes the operation of the common law set-off in all credit agreements that are regulated by the NCA.

“While set-off provides a means by which the consumer/ debtor can avoid defaulting on her debt, there is no need why she should be excluded from the process. It seems to me to be precisely for this reason that section 124 preserves a system of set-off but requires the consent of the consumer before it can be affected,” said Keightley.

Standard Bank had opposed the NCR’s application arguing that if a credit agreement arguing that the set-off principle was important in the banking industry as it allowed it to recover the debt as soon as the creditor’s account was in its favour.

The South African Human Rights Commission was also a friend of the court in the case arguing that the set-off principle negatively impacted basic rights including socio-economic rights.

Cliff Johnson, the vice-chairman of the National Consumer Union (Sancu), which represents millions of consumers, said the ruling was very good news for consumers.

“It means that banks can no longer take money deposited into your account and use it to offset outstanding debt you might have on a credit agreement with the same bank, without your express permission," Johnson said.

Thank God!!! I wish this would've happened ages ago, though...Standard Bank has ****** me blind up to 8k a month for 2 years for that stupid terrible flat and always only assisted it's "primary" bond-holder ******* my ex- but I paid...what a great day for consumers with Standard bank accounts!!????????