Complaint - Refund

To whom it may concern:

I had purchased a vehicle in 2017, which due to financial circumstances I had defaulted on my premiums. I had paid every signal month for my vehicle. I called Wesbank contact centre in late Nov / Dec 2023 to decide on an early debt order in Dec 2023. The consultant had agreed, that when the date for the collection for Dec 2023 had come and gone, there was no deduction from my bank account. I called the call centre to report the matter/concern and the consultant said I had not decided on a debit order but rather a cash payment.

I was rather concerned, and I said to the consultant, please make arrangements to request the debt order in Jan 2024. The consultant obliged and sent me a mandate at the time which I appreciated and approved.

Jan 2024 Casper Dimeina called me, Jan 2024 had not even commenced fully he said if I cannot make the payment of R30k immediately they will be collecting my vehicle even though I had advised him arrangements have been made. Not too long thereafter call Lizelle Van Den Berg and threaten me to collect my car if an immediate payment needs to be done. She confirmed I have 5 working days to make the payment.

The very next day, a collection person called me and said he wanted to speak about my “financial payments about the car” – This is how they catch people out. You assume they are there to help you, but they come and revoke your property. I called Lizelle Van Den Berg and she said she will schedule collection for the next day. I advised her she had told me 5 working days, which did not occur. – This is the **** that we get told.

It might not be the consultant's problem but when you try an explain your situation and the time you need, they hang up on your ear. I called Lizelle Van Den Berg to say I had arranged for the payment of R25k to be made immediately.- I did not even finish my sentence and she was rude, Obnoxious, and hung up in my ear. It is January in case they did not notice.

I paid the full amount plus an additional R500.

I then had to pay the balloon payment – which needs to be settled, I had then said I would sell the car. When I sold the car, the balloon payment was settled by the relevant institution and yet came the end of Jan 2024 full amount went off R 7387.76.

I requested a full refund and an immediate one as the vehicle was told, and the amount with the balloon payment was settled.