JM
JJ M
1 reviews | Active since Jul 2011
25 Jan 2022, 13:03
Standard bank refuse to give me services
For many years, over 20 years I have veen a Standard Bank customer. I am in very good standing on thw itc and can open accounts or make loans anywhere. Except my own bank. Standard bank.
They refuse to vive me a credit card (thabks Capitec and Nedvank, I am not a ******** in your eyes) and the refuse to give me an overdraft facility. Why? Wht is the reason I am being discriminated against by my own bank?
There is a fault in your system blocking or blacklisting me for gears and years and you can't solve this. This is really discriminating.
Helpful (0)
Replies (14)0
Replies (14)JM
JJ M's updateReviewer Update
26 Jan 2022, 12:41I must mention that your system still wrongfully indicate that I'm under debt review. But the truth is that I voluntarily withdrew from the debt counseling process and paid all my debtors INCLUDING all my Standard bank debt. That was in January 2015 and the debt councellor issued a 17.4 form to confirm termination of the debt counseling.
Standard bank wants a clearance certificate which I cannot obtain since I voluntarily withdraw in 2015 and if so only a 17.4 is issued and NOT a clearance certificate.
Even ALL the credit bureau removed the debt review status and everyone else except Standard Bank.
For over 20 years I'm a loyal customer but that means absolutely nothing. Standard refuses to accept an official 17
4 termination form and won't give me the same services orher banks (Capitec and Nedbank) currently offers me.
Why am I not currently under debt review from those financial institutions but only Standard Bank. 7 years later (after paying all the debt that was once on debt review Standard bank still penilises me and discriminates agains me as a person for this. Isn't it that after 5 years one should be cleared especially if all these old debts was paid?
Didn't I pay all my debt at Standard Bank by 2015?
Standard bank wants a clearance certificate which I cannot obtain since I voluntarily withdraw in 2015 and if so only a 17.4 is issued and NOT a clearance certificate.
Even ALL the credit bureau removed the debt review status and everyone else except Standard Bank.
For over 20 years I'm a loyal customer but that means absolutely nothing. Standard refuses to accept an official 17
4 termination form and won't give me the same services orher banks (Capitec and Nedbank) currently offers me.
Why am I not currently under debt review from those financial institutions but only Standard Bank. 7 years later (after paying all the debt that was once on debt review Standard bank still penilises me and discriminates agains me as a person for this. Isn't it that after 5 years one should be cleared especially if all these old debts was paid?
Didn't I pay all my debt at Standard Bank by 2015?
JM
JJ M's update26 Jan 2022, 12:41
Reviewer Update
I must mention that your system still wrongfully indicate that I'm under debt review. But the truth is that I voluntarily withdrew from the debt counseling process and paid all my debtors INCLUDING all my Standard bank debt. That was in January 2015 and the debt councellor issued a 17.4 form to confirm termination of the debt counseling.
Standard bank wants a clearance certificate which I cannot obtain since I voluntarily withdraw in 2015 and if so only a 17.4 is issued and NOT a clearance certificate.
Even ALL the credit bureau removed the debt review status and everyone else except Standard Bank.
For over 20 years I'm a loyal customer but that means absolutely nothing. Standard refuses to accept an official 17
4 termination form and won't give me the same services orher banks (Capitec and Nedbank) currently offers me.
Why am I not currently under debt review from those financial institutions but only Standard Bank. 7 years later (after paying all the debt that was once on debt review Standard bank still penilises me and discriminates agains me as a person for this. Isn't it that after 5 years one should be cleared especially if all these old debts was paid?
Didn't I pay all my debt at Standard Bank by 2015?
Standard bank wants a clearance certificate which I cannot obtain since I voluntarily withdraw in 2015 and if so only a 17.4 is issued and NOT a clearance certificate.
Even ALL the credit bureau removed the debt review status and everyone else except Standard Bank.
For over 20 years I'm a loyal customer but that means absolutely nothing. Standard refuses to accept an official 17
4 termination form and won't give me the same services orher banks (Capitec and Nedbank) currently offers me.
Why am I not currently under debt review from those financial institutions but only Standard Bank. 7 years later (after paying all the debt that was once on debt review Standard bank still penilises me and discriminates agains me as a person for this. Isn't it that after 5 years one should be cleared especially if all these old debts was paid?
Didn't I pay all my debt at Standard Bank by 2015?
JM
JJ M's updateReviewer Update
27 Jan 2022, 12:40As stated in my above comments....
I voluntarily withdrew from debt review in 2015. The debt councellor then issues me with a 17.4 notic of cancellation of the debt review. Then I settled ALL accounts by
2016.
After the debt revie was cancelled.
So a 17.4 form is a notice to all debtors that debt review was cancelled. Standard bank would have also gotten one.
I am in possession if that document still.
You can maybe look up what a 17.4 form is if you don't know.
I voluntarily withdrew from debt review in 2015. The debt councellor then issues me with a 17.4 notic of cancellation of the debt review. Then I settled ALL accounts by
2016.
After the debt revie was cancelled.
So a 17.4 form is a notice to all debtors that debt review was cancelled. Standard bank would have also gotten one.
I am in possession if that document still.
You can maybe look up what a 17.4 form is if you don't know.
JM
JJ M's update27 Jan 2022, 12:40
Reviewer Update
As stated in my above comments....
I voluntarily withdrew from debt review in 2015. The debt councellor then issues me with a 17.4 notic of cancellation of the debt review. Then I settled ALL accounts by
2016.
After the debt revie was cancelled.
So a 17.4 form is a notice to all debtors that debt review was cancelled. Standard bank would have also gotten one.
I am in possession if that document still.
You can maybe look up what a 17.4 form is if you don't know.
I voluntarily withdrew from debt review in 2015. The debt councellor then issues me with a 17.4 notic of cancellation of the debt review. Then I settled ALL accounts by
2016.
After the debt revie was cancelled.
So a 17.4 form is a notice to all debtors that debt review was cancelled. Standard bank would have also gotten one.
I am in possession if that document still.
You can maybe look up what a 17.4 form is if you don't know.
JM
JJ M's updateReviewer Update
22 Apr 2022, 16:00No. It hasn't been after years of trying. All they can ever tell my is get a clearance certificate. I can't, because I am not on debt review. As I said I voluntary withdrew en then paid everyone that was listed. Therefore due to the 17.4 form my debt counsellor say he cannot issue a clearance certificate.
And Standard bank insists despite a good credit bureau rating and report for a few years now. Because your system shows I'm under debt review so I am no matter what. Thats Standards views.
So no the matter still hasn't been resolved. And please explain to me why Nedbank and Capitec can give me overdraft/ credit card if I was on debt review? Why does their systems not reflect any debt review anymore? Why does only Standard bank?
It's mind boggling.
And Standard bank insists despite a good credit bureau rating and report for a few years now. Because your system shows I'm under debt review so I am no matter what. Thats Standards views.
So no the matter still hasn't been resolved. And please explain to me why Nedbank and Capitec can give me overdraft/ credit card if I was on debt review? Why does their systems not reflect any debt review anymore? Why does only Standard bank?
It's mind boggling.
JM
JJ M's update22 Apr 2022, 16:00
Reviewer Update
No. It hasn't been after years of trying. All they can ever tell my is get a clearance certificate. I can't, because I am not on debt review. As I said I voluntary withdrew en then paid everyone that was listed. Therefore due to the 17.4 form my debt counsellor say he cannot issue a clearance certificate.
And Standard bank insists despite a good credit bureau rating and report for a few years now. Because your system shows I'm under debt review so I am no matter what. Thats Standards views.
So no the matter still hasn't been resolved. And please explain to me why Nedbank and Capitec can give me overdraft/ credit card if I was on debt review? Why does their systems not reflect any debt review anymore? Why does only Standard bank?
It's mind boggling.
And Standard bank insists despite a good credit bureau rating and report for a few years now. Because your system shows I'm under debt review so I am no matter what. Thats Standards views.
So no the matter still hasn't been resolved. And please explain to me why Nedbank and Capitec can give me overdraft/ credit card if I was on debt review? Why does their systems not reflect any debt review anymore? Why does only Standard bank?
It's mind boggling.
JM
JJ M's updateReviewer Update
22 Apr 2022, 16:01Not
JM
JJ M's update22 Apr 2022, 16:01
Reviewer Update
Not
Standard Bank's replyOfficial
26 Apr 2022, 14:47Hello JJ
As per our telephonic conversation this matter has been addressed and resolved.
We apologize for the inconvenience and undue frustration, this has caused.
We greatly appreciate your continued support.
Kind regards
Standard Bank Help Centre
***
As per our telephonic conversation this matter has been addressed and resolved.
We apologize for the inconvenience and undue frustration, this has caused.
We greatly appreciate your continued support.
Kind regards
Standard Bank Help Centre
***
Standard Bank's reply26 Apr 2022, 14:47
Official
Hello JJ
As per our telephonic conversation this matter has been addressed and resolved.
We apologize for the inconvenience and undue frustration, this has caused.
We greatly appreciate your continued support.
Kind regards
Standard Bank Help Centre
***
As per our telephonic conversation this matter has been addressed and resolved.
We apologize for the inconvenience and undue frustration, this has caused.
We greatly appreciate your continued support.
Kind regards
Standard Bank Help Centre
***
JM
JJ M's updateReviewer Update
25 Aug 2022, 15:24The matter has not been resolved.
Standard bank still wrongfully claim that I am under debt review. This is false and defamation of character.
According to law you are obliged to furnish me with information where exactly you see that I am in fact under debt review
I need that information
Standard bank still wrongfully claim that I am under debt review. This is false and defamation of character.
According to law you are obliged to furnish me with information where exactly you see that I am in fact under debt review
I need that information
JM
JJ M's update25 Aug 2022, 15:24
Reviewer Update
The matter has not been resolved.
Standard bank still wrongfully claim that I am under debt review. This is false and defamation of character.
According to law you are obliged to furnish me with information where exactly you see that I am in fact under debt review
I need that information
Standard bank still wrongfully claim that I am under debt review. This is false and defamation of character.
According to law you are obliged to furnish me with information where exactly you see that I am in fact under debt review
I need that information
Standard Bank's replyOfficial
25 Aug 2022, 17:26Good day JJ Myburgh
We have referred your matter to the relevant team to provide feedback.
Our team will be in touch.
We have referred your matter to the relevant team to provide feedback.
Our team will be in touch.
Kindest regards,
Standard Bank Hello Peter Team
Standard Bank's reply25 Aug 2022, 17:26
Official
Good day JJ Myburgh
We have referred your matter to the relevant team to provide feedback.
Our team will be in touch.
We have referred your matter to the relevant team to provide feedback.
Our team will be in touch.
Kindest regards,
Standard Bank Hello Peter Team
Standard Bank's replyOfficial
30 Aug 2022, 14:59Good day Jacobus
Our team responded via email.
Kindly review and respond accordingly.
Have a great day further.
Thank you
Kindest regards,
Our team responded via email.
Kindly review and respond accordingly.
Have a great day further.
Thank you
Kindest regards,
Standard Bank Hello Peter Team
Standard Bank's reply30 Aug 2022, 14:59
Official
Good day Jacobus
Our team responded via email.
Kindly review and respond accordingly.
Have a great day further.
Thank you
Kindest regards,
Our team responded via email.
Kindly review and respond accordingly.
Have a great day further.
Thank you
Kindest regards,
Standard Bank Hello Peter Team
JM
JJ M's updateReviewer Update
09 Nov 2022, 16:26I am still waiting to hear from you on what credit buro I am listed as currently under debt review.
JM
JJ M's update09 Nov 2022, 16:26
Reviewer Update
I am still waiting to hear from you on what credit buro I am listed as currently under debt review.
Standard Bank's replyOfficial
09 Nov 2022, 17:36Good Day JJ
Thank you for raising your concerns with us.
We have escalated your matter and we can assure you that the relevant team has your query in hand and has prioritized a resolution for you.
Our team will be in touch with further feedback.
Kind regards
Standard Bank Help Centre
***
Thank you for raising your concerns with us.
We have escalated your matter and we can assure you that the relevant team has your query in hand and has prioritized a resolution for you.
Our team will be in touch with further feedback.
Kind regards
Standard Bank Help Centre
***
Standard Bank's reply09 Nov 2022, 17:36
Official
Good Day JJ
Thank you for raising your concerns with us.
We have escalated your matter and we can assure you that the relevant team has your query in hand and has prioritized a resolution for you.
Our team will be in touch with further feedback.
Kind regards
Standard Bank Help Centre
***
Thank you for raising your concerns with us.
We have escalated your matter and we can assure you that the relevant team has your query in hand and has prioritized a resolution for you.
Our team will be in touch with further feedback.
Kind regards
Standard Bank Help Centre
***
JM
JJ M's updateReviewer Update
10 Nov 2022, 15:10I hereby officially instruct Standard bank SA, as a consumer, to furnish me, in writing, with full details why my application was rejected and keep being rejected, and also provide me with the source of your information that I am currently under debt review or debt counselling.
So I can attend to the source of this fals information ASAP, and clear my name.
You are obliged by law to furnish me with this information.
I contacted the NCR and they confirmed thay cannot find any evidence that I am currently under any debt review.
Here is the legislation:
Right to reasons for credit being refused 62. (1) On request from a consumer, a credit provider must advise that consumer in writing of the dominant reason for- (a) refusing to enter into a credit agreement with that consumer; (b) offering that consumer a lower credit limit under a credit facility than app**** for by the consumer, or reducing the credit limit under an existing credit facility; (c) refusing a request from the consumer to increase a credit limit under an existing credit facility; or (d) refusing to renew an expiring credit card or similar renewable credit facility with that consumer.
You requested a clearance certificate but the debt counsellors lawyers cannot issue me with such certificate because they say I am not listed in the credit buro.
If you do not revealed the direct source of this false information to me in writing within 24 hours from now I will report Standard bank SA to the NCR.
NCR couldn't find any listings on XDS and I also got reports from Experian and TransUnion and Im not listed as being under debt review.
Where do you get this info.
Regards
So I can attend to the source of this fals information ASAP, and clear my name.
You are obliged by law to furnish me with this information.
I contacted the NCR and they confirmed thay cannot find any evidence that I am currently under any debt review.
Here is the legislation:
Right to reasons for credit being refused 62. (1) On request from a consumer, a credit provider must advise that consumer in writing of the dominant reason for- (a) refusing to enter into a credit agreement with that consumer; (b) offering that consumer a lower credit limit under a credit facility than app**** for by the consumer, or reducing the credit limit under an existing credit facility; (c) refusing a request from the consumer to increase a credit limit under an existing credit facility; or (d) refusing to renew an expiring credit card or similar renewable credit facility with that consumer.
You requested a clearance certificate but the debt counsellors lawyers cannot issue me with such certificate because they say I am not listed in the credit buro.
If you do not revealed the direct source of this false information to me in writing within 24 hours from now I will report Standard bank SA to the NCR.
NCR couldn't find any listings on XDS and I also got reports from Experian and TransUnion and Im not listed as being under debt review.
Where do you get this info.
Regards
JM
JJ M's update10 Nov 2022, 15:10
Reviewer Update
I hereby officially instruct Standard bank SA, as a consumer, to furnish me, in writing, with full details why my application was rejected and keep being rejected, and also provide me with the source of your information that I am currently under debt review or debt counselling.
So I can attend to the source of this fals information ASAP, and clear my name.
You are obliged by law to furnish me with this information.
I contacted the NCR and they confirmed thay cannot find any evidence that I am currently under any debt review.
Here is the legislation:
Right to reasons for credit being refused 62. (1) On request from a consumer, a credit provider must advise that consumer in writing of the dominant reason for- (a) refusing to enter into a credit agreement with that consumer; (b) offering that consumer a lower credit limit under a credit facility than app**** for by the consumer, or reducing the credit limit under an existing credit facility; (c) refusing a request from the consumer to increase a credit limit under an existing credit facility; or (d) refusing to renew an expiring credit card or similar renewable credit facility with that consumer.
You requested a clearance certificate but the debt counsellors lawyers cannot issue me with such certificate because they say I am not listed in the credit buro.
If you do not revealed the direct source of this false information to me in writing within 24 hours from now I will report Standard bank SA to the NCR.
NCR couldn't find any listings on XDS and I also got reports from Experian and TransUnion and Im not listed as being under debt review.
Where do you get this info.
Regards
So I can attend to the source of this fals information ASAP, and clear my name.
You are obliged by law to furnish me with this information.
I contacted the NCR and they confirmed thay cannot find any evidence that I am currently under any debt review.
Here is the legislation:
Right to reasons for credit being refused 62. (1) On request from a consumer, a credit provider must advise that consumer in writing of the dominant reason for- (a) refusing to enter into a credit agreement with that consumer; (b) offering that consumer a lower credit limit under a credit facility than app**** for by the consumer, or reducing the credit limit under an existing credit facility; (c) refusing a request from the consumer to increase a credit limit under an existing credit facility; or (d) refusing to renew an expiring credit card or similar renewable credit facility with that consumer.
You requested a clearance certificate but the debt counsellors lawyers cannot issue me with such certificate because they say I am not listed in the credit buro.
If you do not revealed the direct source of this false information to me in writing within 24 hours from now I will report Standard bank SA to the NCR.
NCR couldn't find any listings on XDS and I also got reports from Experian and TransUnion and Im not listed as being under debt review.
Where do you get this info.
Regards
Standard Bank's replyOfficial
10 Nov 2022, 15:51Dear Customer
Thank you for alerting us to this. We would like to make sure your matter is resolved as a priority.
We have reached out to the relevant team so that we can ensure a speedy resolution.
Please be on the lookout for a call from our team.
Kindest regards
Standard Bank Hello Peter Team
***
Thank you for alerting us to this. We would like to make sure your matter is resolved as a priority.
We have reached out to the relevant team so that we can ensure a speedy resolution.
Please be on the lookout for a call from our team.
Kindest regards
Standard Bank Hello Peter Team
***
Standard Bank's reply10 Nov 2022, 15:51
Official
Dear Customer
Thank you for alerting us to this. We would like to make sure your matter is resolved as a priority.
We have reached out to the relevant team so that we can ensure a speedy resolution.
Please be on the lookout for a call from our team.
Kindest regards
Standard Bank Hello Peter Team
***
Thank you for alerting us to this. We would like to make sure your matter is resolved as a priority.
We have reached out to the relevant team so that we can ensure a speedy resolution.
Please be on the lookout for a call from our team.
Kindest regards
Standard Bank Hello Peter Team
***
JM
JJ M's updateReviewer Update
10 Nov 2022, 22:43My lawyer has apparently already sent this letter tou Standard bank:
We are acting on behalf of mr. J J Myburgh.
A form 17.4 was issued on 20 January 2015 in terms of which the Consumer withdrew from debt review, which was the accepted procedure before February 2015.
The consumer’s profile was amended accordingly with all the credit bureaus, the NCR and all credit providers, except with Standard Bank of SA Limited.
Copies of the Form 17.4 and a screenshot from the NCR Helpdesk are attached hereto for your convenience. Kindly amend your records immediately since your refusal to act accordingly causes the consumer financial difficulties and damages.
Thanking you in anticipation.
Kind Regards / Vriendelike Groete
Chris Koen - BLC. LLB
Legal Advisor / Regsadviseur
We are acting on behalf of mr. J J Myburgh.
A form 17.4 was issued on 20 January 2015 in terms of which the Consumer withdrew from debt review, which was the accepted procedure before February 2015.
The consumer’s profile was amended accordingly with all the credit bureaus, the NCR and all credit providers, except with Standard Bank of SA Limited.
Copies of the Form 17.4 and a screenshot from the NCR Helpdesk are attached hereto for your convenience. Kindly amend your records immediately since your refusal to act accordingly causes the consumer financial difficulties and damages.
Thanking you in anticipation.
Kind Regards / Vriendelike Groete
Chris Koen - BLC. LLB
Legal Advisor / Regsadviseur
JM
JJ M's update10 Nov 2022, 22:43
Reviewer Update
My lawyer has apparently already sent this letter tou Standard bank:
We are acting on behalf of mr. J J Myburgh.
A form 17.4 was issued on 20 January 2015 in terms of which the Consumer withdrew from debt review, which was the accepted procedure before February 2015.
The consumer’s profile was amended accordingly with all the credit bureaus, the NCR and all credit providers, except with Standard Bank of SA Limited.
Copies of the Form 17.4 and a screenshot from the NCR Helpdesk are attached hereto for your convenience. Kindly amend your records immediately since your refusal to act accordingly causes the consumer financial difficulties and damages.
Thanking you in anticipation.
Kind Regards / Vriendelike Groete
Chris Koen - BLC. LLB
Legal Advisor / Regsadviseur
We are acting on behalf of mr. J J Myburgh.
A form 17.4 was issued on 20 January 2015 in terms of which the Consumer withdrew from debt review, which was the accepted procedure before February 2015.
The consumer’s profile was amended accordingly with all the credit bureaus, the NCR and all credit providers, except with Standard Bank of SA Limited.
Copies of the Form 17.4 and a screenshot from the NCR Helpdesk are attached hereto for your convenience. Kindly amend your records immediately since your refusal to act accordingly causes the consumer financial difficulties and damages.
Thanking you in anticipation.
Kind Regards / Vriendelike Groete
Chris Koen - BLC. LLB
Legal Advisor / Regsadviseur
Standard Bank's replyOfficial
11 Nov 2022, 10:07Good day Mr Myburgh
Thank you for bringing this matter to our attention.
Kindly be advised that we have escalated this matter to our team to review.
We will be in touch with further feedback.
Kindest regards
Standard Bank Hello Peter Team
***
Thank you for bringing this matter to our attention.
Kindly be advised that we have escalated this matter to our team to review.
We will be in touch with further feedback.
Kindest regards
Standard Bank Hello Peter Team
***
Standard Bank's reply11 Nov 2022, 10:07
Official
Good day Mr Myburgh
Thank you for bringing this matter to our attention.
Kindly be advised that we have escalated this matter to our team to review.
We will be in touch with further feedback.
Kindest regards
Standard Bank Hello Peter Team
***
Thank you for bringing this matter to our attention.
Kindly be advised that we have escalated this matter to our team to review.
We will be in touch with further feedback.
Kindest regards
Standard Bank Hello Peter Team
***