The bank is refusing to remove my late husband as surety on my bond account

My husband past away in 2018. I went to Standard bank with my ID, deseased ID, death certificate and the letter of executorship. I asked the bank ( homeloans department) if the credit protection plan (insurance) will be able to settle the bond account since he was the surety on the bond account. I was told that the debt will not be cleared since my husband was not the co-owner on the account but only the surety. I was told I should continue paying the bond myself. When my husband left I was already unemployed. I have never missed a single payment. I then asked them to remove him as the surety and they said to me it won't be possible since I can't provide any form of income. I was able to move the money in and out of the bond account.

In 2018 again I approached the bank to apply for an Estate late account. I already had the Letter Of Executorship from the Master of High Court. The consultant refused to open the account for me saying that I should be accompanied by the lawyers. I then went to FNB and the Estate account was immediately opened. NB: All my husband's accounts were with Standard bank.

In between 2020 and 2021 I phoned the homeloans department asking for (relief payment) which was granted immediately without me going to the bank.

4 months passed and I continued paying for the bond. I called the bank and the stop that was put on the account was removed. And I was told to visist the branch to reactivate the access bond facility.

I have never missed a single payment. When ever I get the chance I will go to the bank or call them, asking for my husband's name to be removed as the surety from my bond account. Some consultants will refere me to the branch and when I go to the branch I will be told to call the homeloans department. The homeloans department will refer me to the deseased estate department and so on.... to-date. I would ask for case no when I call. When I call again providing the same case no I'll be told that the case has been closed. A different case no meaning we start from the beginning

Earlier this year I transfered +R300 000 into my bond account. The aim was not to settle the account. I assumed I was going to be able to transfer in back when I need it.

In September as I was sitting with the financial consultant at Standard mall of the North. I told her about my problem and she dialed the homeloans department no immediately. The consultant who answered the phone that day told me that should I had the death certificate by me he was gonna help me remove my husband's name as the surety immediately. He assured me that I shouldn't worry. Whenever I have get time I should just call with the case number given and all will be sorted. I was so relieved when I left the bank that day.

Earlier this month I purchased an asset. I have put a huge amount of deposit for it. I was going to settle the amount of the asset I bought using the extra money that I have put in as I was assured that this time it won't be a problem. This asset has been built from scratch, it is now ready to be delivered. I already have clients from December who I must cater for using this asset. I cannot ask for a refund from the manufacturer since it was built specifically for me. Should I fail to pay for it I will lose the money that I put in as deposit. Should I fail to pay the balance in time I will lose all my clients.

Standard bank tells me that my husband's name will not be removed unless I can proof that I am working...

Standard bank is telling me that I cannot get a refund of the money that I have put into the account unless I can proof that I am working...

They are telling me that I cannot afford to pay back the bond should I withdraw the money that is in ( NB: that money was deposited by me not my late husband)

I have a long term investment with the standard bank and when I ask to withdraw I am told that I will be pernalised a very large amount since I'll be breaking the contract but at the same time the same bank is refusing to give me back the money that I put in as extra into my bond account

Can standard bank prove to me in writing where it is stated that ' should the surety die, the account holder will have to settle the bond account before the maturity date' . Can the bank prove to me in writing where it states that 'the surety will remain as the surety even after they died'

Letter of Executorship means that the executor can act on behalf of the deseased. It clearly means that where the deseased's signature is required, the excecutor must provide the Death Certificate, deseased ID, and their ID book.

For standard bank to activate my access bond account they need my signature and my late husband's signature (death certificate) that's all

If you don't want to remove my husband as the surety please my request is this: Refund me the extra money that I have put into the homeloan account and I will continue paying the installments.

I promise you I will leave the bank once all my investments reach the maturity date. I tell my kids never to open a bank account with you. I will share my experience with everyone I know.

Standard is not for the widows. They will constantly remind you that part of you is missing and that it cannot be replaced. 5 years has been too long. PLEASE 🙏 I BEG YOU RESOLVE MY QUERY AND I WILL LEAVE YOU IN PEACE 😭😭😭