Ucount rewards program

I am writing to formally lodge a complaint regarding my recent attempt to register for the UCount Rewards programme. My name is Sipho Mavikela with ID number ***. I was informed that my application was declined due to a vehicle account that is reportedly in arrears. However, I wish to point out that this account is over 10 years old and, to the best of my knowledge, should be considered prescribed in terms of applicable South African credit legislation.

It is both disappointing and unfair to be excluded from a value-added service such as UCount Rewards on the basis of a dated and potentially prescribed debt. I am a current customer and have continued to transact in good faith, yet I am being denied access to a programme that should be available to all qualifying clients based on their current banking profile and conduct.

I respectfully request the following:

A detailed explanation of the policy used to determine UCount Rewards eligibility, specifically in relation to old or prescribed debts.

Confirmation of the legal status of the account in question, including when last any activity or acknowledgement of debt occurred.

Immediate reconsideration of my UCount Rewards application based on current, relevant account activity and standing.

Should this matter not be resolved fairly and promptly, I will have no choice but to open an account at a rival bank like FNB.

I look forward to your urgent response and trust that you will treat this matter with the seriousness it deserves.