R8000 Unauthorised Debit Order- Processing

This is the response of Standard bank. Easy sloppy way out:

Good day Carlo Roman

We appreciate you bringing your concerns to our attention and we apologise for the delayed response to your email.

At the outset I need to apologize for the frustration this matter has caused you.

regarding the workings of a debit order, we attach hereto a copy of the relevant OBS bulletin, which describes the complex nature of a debit order in detail.

Contrary to public belief the bank has indeed no obligation to verify the authenticity of any debit order, and as such the bank merely fulfils the function of a payment facilitator where any debit order is presented for payment. The bank also does not initiate any external debit order. A debit order is an agreement between the accountholder and an external company in which the customer would authorise such service provider to debit an amount from his/her bank account for services provided. A debit order is not a contract between you and the bank, and the latter is not a party to the agreement at all.

In the event of you disputing a debit order the bank will query the validity of the transaction with the company that debited your account, as per our laid down process.

As such the account holder indeed has the responsibility to regularly scrutinize his/her account statement(s) and bring to the bank’s attention any unauthorized debit order. As per the relevant industry rules around unauthorized debit orders such should be brought to the bank’s attention within 40 days of the debit order being processed.

We understand the fact that the issue around such unauthorized debit orders is indeed a frustrating situation, however as per the reasons described above it is solely in the hands of the customer to have same cancelled and disputed where required, within the prescribed time lines. Please also note that the bank will charge the amount applicable to the transaction and you will need to take it up with the company to have your account credited with the fees charged

I trust that the above suitably clarifies the bank’s position herein.

I don't know what you try to "pull" here on the internet but above is the only email I received from you in full. You basically too an attitude of not being interested in what you put your clients through. All your divisions are utterly *********** to deliver proper client service. At local bank level and telephonically. You have the attitude that you doing us a favour with the exubetant bank fees you charging for fixing your incompetence.

My email is working fine- play your stupid games with somebody else. The mail you send 07/09/2016 is the above insert - your response. No mention of send futher details. All you interested is to make profits at the cost of the South African consumer.

Please send me the contact details to send motivation to change banking legislation. Banking sector that do not want to take responsibility for processing unauthorized debit orders. If they want a war they got it.

sorry my email adress on hello peter was incorrect. I updated it.

No difference to the previous reply. Banks connot juts pay debit orders without and authorisation. This allow every thieve access to consumers bank account. It is time that banks bukcle up and secure our money in their trust.