Unauthorised debit - Home loan

Hi so today my pvt baker indicated that home loans advised I should transfer the amount deducted back into my account. Amount available to transfer was R 14198.61. I transferred R14000 as it only allows in multiples of R1000. Amount debited from my account was R15526.67. So now standard Bank where is my amount owing of R1526.67

Good afternoon
Please advise when the amount of R1526.67 will be payable to me?
Thats all we need to know.
Your relevant team has made no contact via email.
Thanks

Good day

I am still waiting for the amount of R1526.67 to reflect into my account. I have not received any mail from your team.

Hi

Still no contact has been made today. Did you ask the your team to make contact with.
I am still waiting for the amount of R1526.67

6 days has passed and not a single person from standard bank has contacted me with regards to an amount of R1526.67 that is owing to me.
Not a single person has contacted me to inform me that future debits will not be deducted off my account.
Great example of how we are trapped into the debt cycle of financial institutions. Whilst the home loan was still been paid off the team use to constantly send me emails, statements and news letters. Now that I am not needed in their debt cycle I am been ignored as the financial institution (Standard Bank) now owes me money.

Day 7 - Still no contact has been made and my amount owing is still outstanding.

Day light ******* from STANDARD BANK.

And the reply we can except today from STANDARD BANK is:
"matter has been escalated"
"please expect a call from our team"
"we will be taking a closer look into this"
"we apologise for the delay"
"we will follow up with our team"

Day 8 - I have still not received any correspondence from STANDARD BANK regarding monies that were debited without any explanation, whilst I had settled my loan and notified STANDARD BANK via 20 mails, 2 months in advance prior to final payment.

STANDARD BANKs promises so far in 8 days:

"matter has been escalated"

"please expect a call from our team"

"we will be taking a closer look into this"

"we apologise for the delay"

"we will follow up with our team"

"thank you for bringing your concerns to our attention"

Tomorrow we await a new phrase from STANDARD BANK. stay tuned

Day 9 - I have still not received any correspondence or refund from STANDARD BANK regarding monies that were debited without any explanation, whilst I had settled my loan and notified STANDARD BANK via 20 mails, 2 months in advance prior to final payment.

STANDARD BANKs promises so far in 9 days:

"matter has been escalated" "please expect a call from our team" "we will be taking a closer look into this" "we apologise for the delay" "we will follow up with our team" "thank you for bringing your concerns to our attention"
" Our consultants will be in touch soon "

Tomorrow we await a new phrase from STANDARD BANK. stay tuned

Day 12 - I have still not received any correspondence or refund from STANDARD BANK regarding monies that were debited without any explanation, whilst I had settled my loan and notified STANDARD BANK via 20 mails, 2 months in advance prior to final payment.

STANDARD BANKs promises so far in 12 days:

"matter has been escalated" "please expect a call from our team" "we will be taking a closer look into this" "we apologise for the delay" "we will follow up with our team" "thank you for bringing your concerns to our attention"
" Our consultants will be in touch soon "
"We apologise for the delay getting back to you"

Tomorrow we await a new phrase from STANDARD BANK. stay tuned

Day 13 - Finally received email correspondence from Sharon Masina regarding this matter, however no conclusion has been made and its simply a reply that they will revert back soonest.
After 13 days I am still waiting for monies owing to be paid back and still no conclusion has been made from STANDARD BANK.

STANDARD BANKs promises so far in 13 days:

"matter has been escalated" "please expect a call from our team" "we will be taking a closer look into this" "we apologise for the delay" "we will follow up with our team" "thank you for bringing your concerns to our attention"
" Our consultants will be in touch soon "
"We apologise for the delay getting back to you"
" We do apologise for the delayed response "

Tomorrow we await a new phrase from STANDARD BANK. stay tuned

Day 14 - Finally received email correspondence from Sharon Masina regarding this matter, however no conclusion has been made and its simply a reply that they will revert back soonest.
After 14 days I am still waiting for monies owing to be paid back and still no conclusion has been made from STANDARD BANK.

STANDARD BANKs promises so far in 14 days:

"matter has been escalated" "please expect a call from our team" "we will be taking a closer look into this" "we apologise for the delay" "we will follow up with our team" "thank you for bringing your concerns to our attention"
" Our consultants will be in touch soon "
"We apologise for the delay getting back to you"
" We do apologise for the delayed response "
"Thank you for raising your concerns with us"

Tomorrow we await a new phrase from STANDARD BANK. stay tuned

Day 15 - After 15 days I am still waiting for monies owing to be paid back and still no conclusion has been made from STANDARD BANK.
Example of how 80% of our staff in SA are. If they dont like their job they should quit and stop taking up valuable space that can open up avenues for someone that is willing to assist.

STANDARD BANKs promises so far in 15 days:

"matter has been escalated" "please expect a call from our team" "we will be taking a closer look into this" "we apologise for the delay" "we will follow up with our team" "thank you for bringing your concerns to our attention"
" Our consultants will be in touch soon "
"We apologise for the delay getting back to you"
" We do apologise for the delayed response "
"Thank you for raising your concerns with us"
"Please be advised that the issue has been escalated"

Tomorrow we await a new phrase from STANDARD BANK with empty promises. stay tuned

Day 16 - After 16 days I am still waiting for monies owing to be paid back and still no conclusion has been made from STANDARD BANK.
I was contacted via mail again by Sharon Masina on a completely different topic. I had to expalin to her that we need to discuss the amount of R1526.67 owing to me.

STANDARD BANKs promises so far in 16 days:

"matter has been escalated" "please expect a call from our team" "we will be taking a closer look into this" "we apologise for the delay" "we will follow up with our team" "thank you for bringing your concerns to our attention"
" Our consultants will be in touch soon "
"We apologise for the delay getting back to you"
" We do apologise for the delayed response "
"Thank you for raising your concerns with us"
"Please be advised that the issue has been escalated"
"We will request to have a look into this matter"

Tomorrow we await a new phrase from STANDARD BANK with empty promises. stay tuned

Day 17 - Yes 17 days and I am still waiting for monies owing to be paid back and still no conclusion has been made from STANDARD BANK.

After sending back a reply detailing the amount of R1526.67 that was owing to me, there was no reponse received from STANDARD BANK, nor a detailed summary of charges.

STANDARD BANKs promises so far in 17 days:

"matter has been escalated"
"please expect a call from our team"
"we will be taking a closer look into this"
"we apologise for the delay"
"we will follow up with our team"
"thank you for bringing your concerns to our attention"
"Our consultants will be in touch soon "
"We apologise for the delay getting back to you"
"We do apologise for the delayed response "
"Thank you for raising your concerns with us"
"Please be advised that the issue has been escalated"
"We will request to have a look into this matter"
"We have reached out to the relevant team so that we can ensure a speedy resolution"

Tomorrow we await a new phrase from STANDARD BANK with empty promises. stay tuned

Day 20 - Unfortunately I have been direct this to the bankers to assist, however I am receiving no answer. No answer as to when I will receive the amount of R1526.67 that is owing to me.

Yes 20 days and I am still waiting for monies owing to be paid back and still no conclusion has been made from STANDARD BANK.
After sending back a reply detailing the amount of R1526.67 that was owing to me, there was no reponse received from STANDARD BANK, nor a detailed summary of charges.

STANDARD BANKs promises so far in 20 days:

"matter has been escalated"
"please expect a call from our team"
"we will be taking a closer look into this"
"we apologise for the delay"
"we will follow up with our team"
"thank you for bringing your concerns to our attention"
"Our consultants will be in touch soon "
"We apologise for the delay getting back to you"
"We do apologise for the delayed response "
"Thank you for raising your concerns with us"
"Please be advised that the issue has been escalated"
"We will request to have a look into this matter"
"We have reached out to the relevant team so that we can ensure a speedy resolution"
" Please direct this to the bankers who are handling your inquiry"

Tomorrow we await a new phrase from STANDARD BANK with empty promises. stay tuned

Day 21 - Unfortunately I have been direct this to the bankers to assist, however I am receiving no answer. No answer as to when I will receive the amount of R1526.67 that is owing to me.

Yes 21 days and I am still waiting for monies owing to be paid back and still no conclusion has been made from STANDARD BANK.
After sending back a reply detailing the amount of R1526.67 that was owing to me, there was no reponse received from STANDARD BANK, nor a detailed summary of charges.

STANDARD BANKs promises so far in 21 days:

"matter has been escalated"
"please expect a call from our team"
"we will be taking a closer look into this"
"we apologise for the delay"
"we will follow up with our team"
"thank you for bringing your concerns to our attention"
"Our consultants will be in touch soon "
"We apologise for the delay getting back to you"
"We do apologise for the delayed response "
"Thank you for raising your concerns with us"
"Please be advised that the issue has been escalated"
"We will request to have a look into this matter"
"We have reached out to the relevant team so that we can ensure a speedy resolution"
"Please direct this to the bankers who are handling your inquiry"
"Kindly be advise that we will request the bankers to look into your emails..."

Tomorrow we await a new phrase from STANDARD BANK with empty promises. stay tuned

Day 22 - Unfortunately I have been direct this to the bankers to assist, however I am receiving no answer. No answer as to when I will receive the amount of R1526.67 that is owing to me.

Yes 22 days, since an unathorised debit order was processed, and I am still waiting for monies owing to be paid back and - no conclusion has been made from STANDARD BANK.
After sending back a reply detailing the amount of R1526.67 that was owing to me, there was no response received from STANDARD BANK, nor a detailed summary of charges.

STANDARD BANKs promises so far in 21 days:

"matter has been escalated"
"please expect a call from our team"
"we will be taking a closer look into this"
"we apologise for the delay"
"we will follow up with our team"
"thank you for bringing your concerns to our attention"
"Our consultants will be in touch soon "
"We apologise for the delay getting back to you"
"We do apologise for the delayed response "
"Thank you for raising your concerns with us"
"Please be advised that the issue has been escalated"
"We will request to have a look into this matter"
"We have reached out to the relevant team so that we can ensure a speedy resolution"
"Please direct this to the bankers who are handling your inquiry"
"Kindly be advise that we will request the bankers to look into your emails..."
"Kindly be advised that we will request the bankers to look into your emails.."

Tomorrow we await another empty promise from STANDARD BANK. stay tuned

Day 23 - Unfortunately I have been direct this to the bankers to assist, however I am receiving no answer. No answer as to when I will receive the amount of R1526.67 that is owing to me.

Yes 23 days, since an unathorised debit order was processed, and I am still waiting for monies owing to be paid back and - no conclusion has been made from STANDARD BANK.
After sending back a reply detailing the amount of R1526.67 that was owing to me, there was no response received from STANDARD BANK, nor a detailed summary of charges.

STANDARD BANKs promises so far in 23 days:

"matter has been escalated"
"please expect a call from our team"
"we will be taking a closer look into this"
"we apologise for the delay"
"we will follow up with our team"
"thank you for bringing your concerns to our attention"
"Our consultants will be in touch soon "
"We apologise for the delay getting back to you"
"We do apologise for the delayed response "
"Thank you for raising your concerns with us"
"Please be advised that the issue has been escalated"
"We will request to have a look into this matter"
"We have reached out to the relevant team so that we can ensure a speedy resolution"
"Please direct this to the bankers who are handling your inquiry"
"Kindly be advise that we will request the bankers to look into your emails..."
"Kindly be advised that we will request the bankers to look into your emails.."
"Kindly be advised that we will request the bankers to look into your emails.."

Tomorrow we await another empty promise from STANDARD BANK. stay tuned

Good day Standard bank

The last email received from STANDARD bank is:

" Good Day Mr. Abrahams Below preference noted. I learned that you do not intend to cancel the bond yet meaning that the insurance will continue to debit from the home loan account. As previously mentioned by Jabu that the service fee and the insurance will continue to be serviced from the home loan, do you still intend to keep the bond open? Your response will be greatly appreciated." Kind Regards Sharon Masina

Nowhere does it entail or explain the amount that is owing to me or how this will be rectified. The above matter regarding keeping the bond open was already sorted out via my pvt banker 8 days prior to receiving this mail.

I ask again - My home loan was paid off. I have contacted standard bank 2 months in advance asking them to provide a settlement amount and to stop all debit orders.

Despite the above standard bank still debits my full home loan amount. After the full loan amount was debited by STANDARD BANK, I transfered the amount deducted back into my account. Amount available to transfer was R 14198.61. I transferred R14000 as it only allows in multiples of R1000. Amount debited from my account was R15526.67. Amount owing is R1526.67
Yes 24 days, since an unathorised debit order was processed, and I am still waiting for monies owing to be paid back and - no conclusion has been made from STANDARD BANK.
After sending back a reply detailing the amount of R1526.67 that was owing to me, there was no response received from STANDARD BANK, nor a detailed summary of charges.

STANDARD BANKs promises so far in 24 days:

"matter has been escalated"
"please expect a call from our team"
"we will be taking a closer look into this"
"we apologise for the delay"
"we will follow up with our team"
"thank you for bringing your concerns to our attention"
"Our consultants will be in touch soon "
"We apologise for the delay getting back to you"
"We do apologise for the delayed response "
"Thank you for raising your concerns with us"
"Please be advised that the issue has been escalated"
"We will request to have a look into this matter"
"We have reached out to the relevant team so that we can ensure a speedy resolution"
"Please direct this to the bankers who are handling your inquiry"
"Kindly be advise that we will request the bankers to look into your emails..."
"Kindly be advised that we will request the bankers to look into your emails.."
"Kindly be advised that we will request the bankers to look into your emails.."
"Kindly refer to the last email sent by the bankers dealing with your complaint"

Tomorrow we await another empty promise from STANDARD BANK. stay tuned

Good day
It is Day #25 and this is the private message I received from STANDARD BANK on day #24
"Hello Marlin We trust that you have responded to the bankers with your enquiry"

STANDARD BANK social media team or help centre team, let me explain once again.
STANDARD BANK, allow someone that is interested in doing their job to reply with a positive answer. I have proved in 25 days the system is abnormal and disfunctional when the slave of the system becomes the master.

Remember I am abroad and not in SA to walk into a bank and finalize this, despite me communicating my overseas number on this platform and via personal mail.
XX/08/2022- Final and last payment paid via STANDARD BANK APP and sent e-mail - "Please stop all future debit orders from this account- see attached home loan POP paid up"
13/09/2022 - sent email "Hi is there any feedback on the below query"
23/09/2022 - sent email "Hi is there any feedback on the below query"
23/09/2022 - sent email to my PVT banker to assist or forward above mails to home loans department
03/10/2022 - Debit order for home loan is deducted off my account - R15526.67
07/10/2022 - PVT banker advise I should transfer R15526.67 back into my pvt account.
08/10/2022 - PVT banker confirms future debit orders are suspended. STANDARD BANK PVT banker was more efficient then home loans department even though it was not her department she had given that extra input.
09/10/2022 - From my app. I hade reversed an amount from R14000.00 into my personal account. Amount available to transfer was R14198.61. I transferred R14000 as it only allows in multiples of R1000.

Shortfall of R1526.67 has disappeared from my statement.

17/10/2022 - Email received from Sharon Masina.."Please be advised that I have received your complaint of an escalation from your private banker which I am glad to look into and revert. Rest assured that the request received is receiving our utmost attention"
20/10/2022 - Sent a reply to Sharom Masina.."The reason for my complaint is my home loan was paid up and notice was given to stop all future debit orders, yet the full amount was deducted. Please do research as to why the complaint was made"

Current date - 29/10/2022 and I have not received replies from Sharon Masina from STANDARD BANK or a phone call (I have sent my abroad number to all involved

Good day
It is Day #27 and this is the private message I received from STANDARD BANK on day #25
" This matter has been bought to the attention of our management team.
Our team will be looking into the final resolutions provided by your bankers and advise on a way forward "

Monday 31st - No contact has been made as yet

STANDARD BANKs promises so far in 27 days:

"matter has been escalated"
"please expect a call from our team"
"we will be taking a closer look into this"
"we apologise for the delay"
"we will follow up with our team"
"thank you for bringing your concerns to our attention"
"Our consultants will be in touch soon "
"We apologise for the delay getting back to you"
"We do apologise for the delayed response "
"Thank you for raising your concerns with us"
"Please be advised that the issue has been escalated"
"We will request to have a look into this matter"
"We have reached out to the relevant team so that we can ensure a speedy resolution"
"Please direct this to the bankers who are handling your inquiry"
"Kindly be advise that we will request the bankers to look into your emails..."
"Kindly be advised that we will request the bankers to look into your emails.."
"Kindly be advised that we will request the bankers to look into your emails.." (via inbox)
"Kindly refer to the last email sent by the bankers dealing with your complaint"(via inbox)
"This matter has been bought to the attention of our management team"(via inbox)

Tomorrow we await another empty promise from STANDARD BANK. stay tuned

Day 28 - No answer as to when I will receive the amount of R1526.67 that is owing to me.

Yes 28 days and I am still waiting for monies owing to be paid back and still no conclusion has been made from STANDARD BANK.
After sending back a reply detailing the amount of R1526.67 that was owing to me, there was no response received from STANDARD BANK, nor a detailed summary of charges.

STANDARD BANKs promises so far in 28 days:

"matter has been escalated"
"please expect a call from our team"
"we will be taking a closer look into this"
"we apologise for the delay"
"we will follow up with our team"
"thank you for bringing your concerns to our attention"
"Our consultants will be in touch soon "
"We apologise for the delay getting back to you"
"We do apologise for the delayed response "
"Thank you for raising your concerns with us"
"Please be advised that the issue has been escalated"
"We will request to have a look into this matter"
"We have reached out to the relevant team so that we can ensure a speedy resolution"
"Please direct this to the bankers who are handling your inquiry"
"Kindly be advise that we will request the bankers to look into your emails..."
"Kindly be advised that we will request the bankers to look into your emails.."
"Kindly be advised that we will request the bankers to look into your emails.." (via inbox)
"Kindly refer to the last email sent by the bankers dealing with your complaint"(via inbox)
"This matter has been bought to the attention of our management team"(via inbox)
"We will follow up with our team and we will be in touch"

Tomorrow we await another empty promise from STANDARD BANK. stay tuned

Day 30 - No answer as to when I will receive the amount of R1526.67 that is owing to me.

Yes 30 days and I am still waiting for monies owing to be paid back and still no conclusion has been made from STANDARD BANK.
After sending back a reply detailing the amount of R1526.67 that was owing to me, there was no response received from STANDARD BANK, nor a detailed summary of charges.

STANDARD BANKs promises so far in 30 days:

"matter has been escalated"
"please expect a call from our team"
"we will be taking a closer look into this"
"we apologise for the delay"
"we will follow up with our team"
"thank you for bringing your concerns to our attention"
"Our consultants will be in touch soon "
"We apologise for the delay getting back to you"
"We do apologise for the delayed response "
"Thank you for raising your concerns with us"
"Please be advised that the issue has been escalated"
"We will request to have a look into this matter"
"We have reached out to the relevant team so that we can ensure a speedy resolution"
"Please direct this to the bankers who are handling your inquiry"
"Kindly be advise that we will request the bankers to look into your emails..."
"Kindly be advised that we will request the bankers to look into your emails.."
"Kindly be advised that we will request the bankers to look into your emails.." (via inbox)
"Kindly refer to the last email sent by the bankers dealing with your complaint"(via inbox)
"This matter has been bought to the attention of our management team"(via inbox)
"We will follow up with our team and we will be in touch"
" We have flagged this matter with our team and we will be getting back to you with feedback"

Tomorrow we await another empty promise from STANDARD BANK. stay tuned

Day 31 - On this day Standard bank has made contact with me, only with the help of my PVT banker.
Sad to think that if I did not have a PVT banker this complaint would have probably gone of for months.

The R1526.67 that was owing to me had been used towards my property insurance premium and a statement was sent to me to verify.

I still cannot understand why after 31 days this could not have been sent earlier or explained.

Rating to standard bank home loans division= 0

After 31 days. I hope you find another JOB.