******* Debits

I’m writing this review as I’m really disappointed in Truworths and there neglegance . In September 2018 I did my Christmas shopping for my kids as I always plan ahead and prevent the Christmas rushes in December. Having been a loyal client and always pay my bills via Debit orders, I made and purchase to the value of R 3500.00 the end of September. Have thought the debit went off of which I have the slips to proof it , my Bank account was debited the 15 December 2018 for the same amount. I went to my Bank and Capitec inform me that it was Truworths that debited the funds and I requested to reverse it as I do not owe them that amount as my instalment was R200.00.My Bank told me that are unable to reverse it as it was processed via a Merchant machine and I confirmed that I did made a purchase in September.My Bank also confirmed with me that they returned the funds back to my account on the 15 October as the transaction did not go through.I do admit yes I did made the purchase but how come you did not notify me of funds being returned so that I could take it up with Truworths , the Bank Manager said its not there responsibility to inform me . I went to Truworths , but only to be told that they can’t reverse it as I did made the purchase but their Internal Policy regarding Banking the Merchant machines is 30 days .My question to them was then you guys are at fault as I showed them my Bank Statement proving that I had funds in my account and they should have debited the funds, al they said was “ Sorry Sir “ .I phone the Call Centre but only hanging on for the Agent to tell me in December that a Supervisor will phone me back and this was in December. So I went back to my Bank as I had Debit orders scheduled and disputed the transaction as Truworths was in breach of the own Internal Banking policy only to be told they can’t assist and when disputing because the large amount debited my MTN Contract and Telkom Wifi Contract funds will not be allocated . The Branch Manager of Capitec assured me that his is normal and my Credit Scoring will not be effected .Now I app**** for a Loan and only to be told that due to the debits not honoured with MTN and Telkom, my loan application is declined and now MTN & Telkom wants to hand me over for legal action as my accounts are at default as Im still recovering from this Embarrassing incident.

My question now is , can I sue Truworths for an ******* debit and being in breach of their own Internal Policy as this whole sage has impacted my Personal and family Life Financialy.

Regards ****ed Off