Whatsmyname

Hello, I am logging a complaint about standard bank credit card collections division. I have a credit card that I am owing with standard bank for a while now. I can’t afford to repay the sum of money they are requesting. They recently handed my account over to MacRoberts Attorneys, whom they already contacted me. On the 12th of June 2018 I received a call from the attorneys’ office to make arrangement of my credit card, and he agreement was that I will be able to afford to pay R1200.00 per month. Later onwards, 27 June 2018, I got shocked to learn that standard bank made a transfer of R7414.24 out of my account. I then called the bank whereby I was transferred to the card division or collections, somewhere there. They advise that I send an email to MacRobert Attorneys to forward the Arrangement Screen Sheet to specialised collections centre of standard bank, so that they can then reverse the transaction. I got frustrated with them because it took them forever to respond & I was running out of time as my creditors were phoning me constantly. I kept on sending them emails to attend to the matter as urgent as they could. I have debts that I had to cover for with the same money they took out of my account. I ended up approaching loan sharks for a loan so that I can at least pay other things that were pressing with the hope of paying them back later after standard bank had made a reverse. Later on the 5th of July the amount of R 4750.47 was transferred back into my account. I went to standard bank to enquire. The consultant at the bank called the collections department & I was afforded the opportunity to speak to the consultant over the phone to find out what had happened to the rest of the money. I was very furious when the she told me that the bank took R2500 from the money they’ve reversed & they were actually supposed to have taken R1200 x3. Then asked under whose authorisation would they take that money? Then she told me it was under the right of the bank to do so. I personally look at this kind of activity as ********** because my arrangement with them was that I will pay them the aforesaid amount because I couldn’t afford they required amount. I am utterly disappointed in the Standard Bank the way they dealt with my issue. I have lost all confidence in the brand I am even switching my account this afternoon to another bank with the hope of getting a far better service than the one I received from standard bank. I even had transactions that were done in my account without my knowledge & every time I request a reverse transaction there’s a certain fee that I have to pay for the very same transaction. This matter is related to ********** because they do as they please with our monies without authorization. I strongly believe any legal institution around South Africa doesn’t agree to this kind of activity done to me by the bank.