Credit Bureau / Shortfall Arrangement

Good day,

Last year around August 2021 after numerous attempts, emails and calls to get hold of the lady handling my account at Wesbank to assist in extending my contract.I had an issue with the car prior from 2019 November where i complained to the dealership i bought the car from , as they had not fixed the water pump and thermostat when the car still had its warranty. Months down the line after i bought the car in April 2019 , i experienced problems where in November the car started to get worse, by december the car was so bad that it was not even driaveable anymore, i took it to Audi Rivonia 4 times , only to be told it was fixed and 2 - 3 days later the problem persisted. By December around the 23rd 2020, the car had to be taken to a different place to be better looked at,since it was festive holidays, their workshop was closed until January, they opened in January and i got quoted 26k and from that money Innovation paid 10k after they gave me the run around with the payment and insisting on inpection, they inspected the car Vag Spec Centre in randburg where the car was being fixed paid the 16k,as i need the car to get around to work and make a living, i had made an arrangement to pay off any arrears on the motor account.

To add to my dimiss , Covid19 hit us at South Africa, and with all that came job salary reductions and retrenchments whilst all that time i am calling in to arrange or speak to anyone at Wesbank, for months i fought on and whilst times were tough, sometime around September 2020 i eventually decided to voluntary surrender the car back based on the basis of that i was told it was being taken for safe keeping and i will get back within a few days,and that it is better to nad it back whilst i orgnaize the amount in arrears, they came colltected the car and for weeks could not get hold of the certain Itumeleng handling the account , it got so bad that i even asked to have the lack of commununication and feedback complaint relaid to her manager ,of which she came back and said happy to send the complaint to her manager. Every 2nd day i would call in to try get my car back ,i made numerous attempts to redeem myself to no avail. Eventually in October the car was sold for far less value : having had service done, new thermostat , water and auxiliry pumps bought and new battery. The car was sold for a mere 169k , OKAY i accepted my defeat but to my fustration i again had to call in , in order to be told its finally gone, 2 months went by and as they stated they are updating the account, i then received a phone relating to paying of the shortfall of 85k within 7 days, i asked where does one find money like in such times, i was then told of an arrangement which i would pay monthly and my name would be listed as i am paying for the account or once its paid all is well.

I need my name to be cleared from the credit bureau, I have paid the monthly arrangement since november of 4890 pm and eventually paid all of the remainig shortfall end of June 2021 to Wesbank and have the official paid up letter, however my name has been tanished for something which could have been avoided and due to the miscommunication of the people that are working at the Wesbank and Itumeleng who was handling my account at first has made my name to be in bad records, I have made sacrifices to honor my debt abd i understood that they were also trying to recoup their money,I cannot do much based on the adverse listing of the repossion, i was told to pay first the shortfall and my name will be cleared, I need your serious response and intervention, I do not want to escalate the matter to the ombudsman of the banks, I just want to give you a chance of reconsidering the fact that I have also been paying the shortfall, however I see that I will not get anywhere since well I have also been trying to apply for the house bond but due to the fact that I have the shortfall which is under the credit bureau I cannot even qualify, the *********** staff of Wesbank have made my name to be tanished for something which could have been avoided, I need this to be sorted ASAP, I also need to get your response and I want to speak to the manager of the person who was handling my account, I want to clear my name, if you can just take back the money which I am owing you back to Wesbank than putting it to the credit bureau I will be pleased, I also have been trying to resolve this issue with the consultants of Wesbank but they are telling me that it is not possible without hearing the site of my story, I have made the mistake of voluntary taking the car back which is my worst and biggest regret and now the worst part of everything is that my name is no longer in good books just for me to send back the car, if the transaction went well, I was supposed to have been told that I will be listed for paying the shortfall and I'll result in my name being sent to the credit bureau if I do not pay within the given date and time, i need your response.

It has come to my attention that the listing was never updated, nor were the monthly payments.

Please assist having bad connotation removed from my profile as i belive i paid back what was due and i regret ever falling behind on my account but due to the car needing to be working in order for me to earn a living i had no choice,if there are any missed or outstanding payment to fix this ,i am willing to have it resolved, i have been working on hard getting back on my feet and thus far is the only listing preventing me from moving forward, your help and assistance will be highly appreciated.