Poor poor service

Over the past year, I have faced severe financial difficulties and attempted to engage with Standard Bank multiple times to make payment arrangements on a R280,000 loan. However, I was consistently met with poor service, including excessively long hold times, dropped calls, and being passed from one department to another without resolution. My efforts were completely ignored, and instead of assisting me, Standard Bank eventually handed my loan over to a legal representative.

I was shocked to learn the balance had ballooned to R360,000. I was offered a settlement of 80% (R250,000), and in good faith, I borrowed R180,000 and paid it, planning to settle the remaining R70,000 shortly thereafter. When I followed up, I was told the account was returned to Standard Bank. Upon contacting the bank, I was informed the outstanding balance was now R130,000 — R50,000 more than what I was told. This is completely unacceptable and unexplained.

To add to the frustration, over R21,000 was deducted from my account after my R180,000 payment, yet the balance remains at R128,000, with no clarity or breakdown provided. This lack of transparency is appalling.

Furthermore, despite my payment in good faith, a judgment was placed on my credit record, damaging my financial standing even further. This is unjust and must be removed immediately.

I am extremely angry that this matter was "resolved" without any real investigation or consideration of the facts. I demand that Standard Bank re-evaluate the account, honor the original settlement offer of R250,000, and provide a full explanation of all transactions. I also expect the judgment on my credit record to be removed without delay.

I have done everything possible to resolve this responsibly, but Standard Bank has failed me at every turn. I want this sorted out now.