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Marjorie M

1 reviews | Active since Oct 2017

17 Oct 2017, 15:45

Paid up Home loan Standard Bank still debiting without authorization Still waiting for Title Deed since June 2015!

I am a pensioner and Ipaid up my Home loan account in June 2015 , Standard Bank continues to debit my account despite the fact that I had closed that account and the bank had already advised their Attorneys that the loan was paid up completely and that the lawyers should take over and cancel account and provide me with a title deed. Wrote several letters to standard bank demanding explanation on unauthorized debits and I got no response. was informed by standard bank lawyers that I must arrange for insurance as the property will not be covered as soon as the cancellation is done. The attorneys asked me to pay a sum of money for cancellation which I did and faxed bank certified copy of proof of payment, certified copy of my ID, certified copy of my Proof of residence and a certified copy of the form they had sent to me to complete. I was told that the Title Deed will be ready within 90 days, but to date NO TITLE DEED! I had to engage Outsurance to cover my property and as a result I am paying TWO insurances for one property as Standard Bank continues to debit my account. I asked my bank FNB to reverse the debits as I had failed , I was made to fill in an application form, was informed the following day that it was unsuccessful because Standard Bank was obviously not supporting that. I wrote several letters to Standard Bank demanding refunds including interest and levy charges, to date NOTHING. I am a pensioner depending on SASSA funds and all the money intended for my general welfare is taken by Standard Bank. I am short of groceries and cannot afford to pay for my funeral cover because of the ******** debits. Eventually I contacted the Ombudsman and it appears the Ombudsman wrote to the bank, because I received a call from the consultant at the bank stupidly requesting me to send her a copy of the letter that was sent by Standard Bank Lawyers to me. I found this very ridiculous because she should have the same letter as they are the ones who notified the lawyers that I had paid up the loan. Regardless I sent her a copy, and then I told her that I want them to stop debiting my account and to return all the monies deducted plus interest and levy. She then wrote me a letter saying Standard Bank does not owe me, that they reversed all the money. I was so angry and hurt at these lies. She also gave me a number to call and ask for my Title deed and that is Standard Bank Lawyers Theart Mey Ramabulana, I called the attorneys office and I was told they have NO knowledge about my TITLE DEED. I wrote the a lawyer and attached the letter from Standard Bank and I NEVER got reply to date. I contacted Ombudsman again and attached the letter from Standard bank in which they claimed they had reversed the money and I never got any reply. I then went to FNB and asked for print out copies of all transaction from June 2015 after I paid up the loan and I got all the copies reflecting all debits made and NEVER reversed. I asked the bank if they could reverse and FNB said they could only reverse the latest that is END OCT 2017, and ONLY that amount of R109 and all the previous debits still UNREVERSED to date. I still do not have my TITLE DEED! I called THEART MEY RAMABULANA ATTORNEY office again and asked for the physical address so I could personally go there, the receptionist refused to give me the address infact she said " I AM NEW HERE I DO NOT KNOW THE ADDRESS" SO I ASKED HER HOW SHE GETS TO WORK IF SHE DOES NOT KNOW WHERE SHE IS WORKING AND SHE WAS DEAD QUIET! I really do not know what to make of this. I can imagine how many lay people and pensioners like me out there continue to be ****** by Standard Bank. I am thinking of going to the lawyers for Human rights but am not sure if thats what they would handle, and I do not have funds to engage a good lawyer to sort Standard Bank out. I really NEED someone who reads this to advice me, I am so angry, hurt and disillusioned and would appreciate any sincere advice. I have detail compilation of all documentation and correspondences to Standard Bank, I have kept all emails. Infact I stopped calling Standard Bank because I realised that each time I called I would be talking to different people about the same subject and each one of them giving different and unintelligent answers, They couldnt explain why the bank was debiting my account. At one stage I called Standard Bank Homeloan Head Office and tried to make appointment to see their manager, and I was told not to come to the bank but to call and ask for assistance on the phone. Since then I decided I WAS NOT going to call the bank any longer because even when I phone I would be told that the conversation was being recorded meantime that recording will only be of help to them and I would never be given a copy, so I DECIDED i was not going to call Standard Bank any more but will only write emails so that I could have a copy as proof of what I said. They chose not to answer to my emails except on one occasion, only. I have been receiving threatening letters and sms's from Standard Bank which I have saved, my life has been as still is a nightmare as nothing has been resolved.

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Replies (1)
Standard Bank
Standard Bank's reply17 Oct 2017, 21:34
Official

Thank you for posting your comment.

We assure you that as an organization we are committed to providing the best possible service and assure you that this will be addressed as a matter of urgency. Kindly email us on the below email address with your account or id numbers in order for us to escalate your matter further.

We apologize for the inconvenience and undue frustration, this has caused.

We greatly appreciate your continued support

Regards

Niyaaz Jardine

Complaint Resolution Centre
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