victimization by the bank

My husband and I have been loyal standard bank clients for years and when we had a problem we were treated as ********s, victimized and overcharged. below is the email that I have sent to them. kindly read it. Good morning

Thank you for the respond and I have called the number provided and spoke to Bongiwe at the home-loan department and she advised me to go to the branch and request them to retrieve the recording for me of which I hope the branch will assist me as I have been requesting for this recording since 2018 in some instances I was told the recording was retrieved and when we were supposed to listen to it when we had the meeting in Simon street unfortunately the bank official decided not to let us listen to it.

When I asked him the reason why he did not play the recording, he told me in writing that, he did not want to disturb the meeting while one of the main reasons for us to have that meeting with the bank was what is recorded there. He then asked me to provide the names of the bank branches nearer to my place where we can send the recording at to listen to it as they are not allowed to give it to the clients of which I did provide two branches which is the Glen Mall and South Dale mall in Johannesburg more than once, made follow ups until the same official told me that he is no longer working in that department I have to re-request for it again of which I did it and did it and did it until I gave up.

I have everything in records, trails of email between myself and the bank including this official that I am talking about here. The question is, which is a concern is why the bank is refusing to let us listen to the recording while it is in record that, if the client is requesting the recording, that will be made available,, and again, this is the agreement between us and the bank which is legally binding, which the bank was or will use against me in the court of law in case I default.

Now I have been sent from pillar to post and today I am told to go to the branch to request it while all these years no one told me about me going to the branch, instead the bank officials made us fools and play hide and seek when they supposed to help us of which I don’t have any hope that, I will get any assistance even at the branch if those who supposed to help me who have the recording failed and literally refuses to assist me.

What the bank is doing it confirms that, they are guilty and what all my allegation to them are correct hence all these because if I was wrong, the bank would have retrieved this recording first time to proof me wrong now because I am right, they can’t. I even requested the bank to recalculate my bond from the inception to date with no success, even the office of banking ombuds came with excuses instead of assisting us, they couldn’t even request the recording from the bank to assist us, instead they just contradicted themselves. This matter was reported to the banking ombuds twice and they did not assist us, did nothing to help after we gave all the evidence to support our allegation against this bank.

I am not the only victims of this bank even one of my colleague who happened to be my friend, she is also having a serious problem with this bank where she pays extra but she still have more-than 10 years remaining to settle her bond.

When we asked the bank why the term not reducing as she is paying more, she was told was because her property was added under debt review while I was with her when she called the debt review company and asked them not to include the property as she is paying more on it. Still even if the property was under debt review, the client is paying more, only this should have reduced the term still and again the debt review was requested to provide the recording with no success and firstly the bank saw that the client is paying more every month more money and still went ahead and include the property under debt review?

The same bank that refused to me to be added under debt review saying I don’t qualify as I am working for the government and getting the housing allowance and told me to cancel my housing allowance in order to qualify to be added under debt review of which I did and still this bank refused to include my house under debt review and I lost my housing allowance R1200 for four months for nothing, and the same bank waited for the 60 days to lamps then gave the debt counsellor a go ahead to include the property under debt review knowing very well that, there was nothing to be done.

Now the same policy of government employees not qualifying because of the housing subsidy was only app**** to me not all government employees including my friend who happened to work with me in the same department hers was included without any hustle the same bank even financed her in 2021 for a car almost half a million while my friend was over indebted and worse part, she was still under debt review.

When my friend asked the same bank how did the bank agree to add her property under debt review while they refused to add mine because of their policy saying government employees don’t qualify because of the housing allowance? She wanted to know why this policy only app**** to me not her? The official who responded to her said, I quote “ we did not ask you to cancel your subsidy so ask your colleague to ask those who have asked her to cancel hers”.

This bank is overcharging the poor of this country especially the black and no one is doing anything about this including the so called the banking ombuds. All supporting documents will be provided on request. WHAT THIS BANK IS DOING IT CONFIRMS THAT my allegations are correct.

Can someone help us please

Kind regards.