Disappointed with the finance lady Moreida Juma

I am writing to express my deep disappointment regarding the treatment I received during my recent application for car finance.

On Saturday, I app**** for finance via email, and I was advised that Pitso Mofurutsi (JHB South branch stock number:CB***) would be assisting me with the process. He promptly requested the necessary documents, which I sent, and he confirmed receipt of the email later that day. Pitso mentioned that I had been pre-approved by one bank, and he was awaiting responses from others. He further assured me that I should remind him the following morning to follow up on the validation so that the car could be reserved. I was pleased with the progress and speed of the process at that point.

In the morning I did as asked. However, later today, when I followed up as advised, I was informed that my finance application had been declined. To my surprise, this was a corporate application, I was advised that it had to do with minimum score criteria, if indeed it was about that why it was pre-approved in the first place. I inquired about the pre-approval from the other bank that they had previously mentioned, but I did not receive a clear answer. I then requested the letter from the bank that rejected my application, as I had app**** to three different banks. Instead of providing any clarification, I was advised by Pitso that Moreida Juma said they don't have that.

I find it deeply troubling that after the progress was made, the car was suddenly marked as “sale in progress” the next moment. While I have no issue with another customer purchasing the car, I feel misled and believe I was not treated fairly. I was not given any proof that the banks had rejected my application, which leaves me with many unanswered questions.

I also want to express my concern over the way I was treated, and I cannot shake the feeling that this experience may have been influenced by racial bias. Had I been of a different race, such as Indian or white, I question whether I would have been subjected to such a dismissive and unclear process.

I am extremely dissatisfied with the service I received from Moreida Juma, and the way she handled my application because I believe the miscommunication and unprofessionalism was from her side, not from the salesman. I expected transparency and clear communication, but unfortunately, this was not the case.

I would greatly appreciate your attention to this matter and a clear explanation regarding the handling of my application.