Good evening My account with Nedbank is in Arears, and I had sent an email to be bank and ii have tried to indicate as per attached document what happen to the car and I have indicated from the chain email below. I have called the bank to ask for an arran

Good evening

My account with Nedbank is in Arears, and I had sent an email to be bank and ii have tried to indicate as per attached document what happen to the car and I have indicated from the chain email below. I have called the bank to ask for an arrangements and I was directed to call the debt collectors to make and arrangement with them, however they asked to call the bank. So it was the issue of debt collectors or the bank. I have contacted the Debt collector’s manager Riaan van zly to arrangement with him, he refused and they have send the debt collector to come to my premises to collect the car. When they have arrived the called the wesbank Agent who explain to me why the debt collector are in my premises.

I have understood what the WESBANK agent said to me and I was not willing to handover the car back, however, I refuse to give the car back however the guys in my premises instated the they are not repossessing they car they are taking it for a safe keeping since it is in arears to I can make arrangement as per a highlighted email below.

I am not happy with the conduct of the debt collectors, they came to misled me, the hidden the attached termination letter and the made me to sign and I was told that it is an assessment form. They haven’t give me a time to think about the decision they have instant that they need the car for a safe keeping. I feel harassed, ******, bulled and fooled and forceful so in order for me to hand over the car to them. As part of the arrangement as per the agreement, I would like to reverse and amend the whatever they asked me to sign as I believe it is uncalled for upon my account. I believe my rights was being violated. I have app**** for a debt review and please include the wesbank account to be considered there. I use the vehicle for a work since I work shifts even now I am coming from work this time.

From: Penny Mtebe [mailto:***] Sent: 16 September 2020 01:17 PM To: Tsietsi Mnkansi <***> Subject: Re: FW: PAYMENT ARRANGE - [External Email] - *** (CID:5c0s04gsxwndhf1gjf) Good day Please note this account has been in arrears since before the lock down. Current arrears is R50 722.92. We need the vehicle for safe keeping.

I very serious and I am in the suicidal situation, I work shifts and I use this car for a work purpose. Kindly regards Tsietsi Mnkansi an misled Wesbank ***

From: Tsietsi Mnkansi Sent: 07 October 2020 14:16 To: '***' <***> Subject: FW: PAYMENT ARRANGE - [External Email] - *** (CID:5c0s04gsxwndhf1gjf)

Good day Allistair

Hope my email will find you well.

I am a very worried client, who was misled by the collectors, to collect my car, people came misled me in order to collect the car, see the chain email below.

My situation was very bad THEREE month before the covid-19 pandemic. and it is now back to the normal situation, I would like the vehicle account to be included on the debt review or allow me to pay the extra R3000,00 on the account.

Kindly regards Tsietsi Mnkansi an misled Wesbank ***

From: Tsietsi Mnkansi Sent: 07 October 2020 12:57 To: '***' <***> Cc: 'Siphokazi Tyalana' <***>; 'Taylor, Amelia' <***>; 'Riaan van Zyl' <***>; 'Venter, Andries' <***>; 'Penny Mtebe' <***>; 'Wesbank Collections' <***>; '***' <***>; 'Debt review back office' <***>; '***' <***>; 'Nthite, Tshepo' <***> Subject: RE: PAYMENT ARRANGE - [External Email] - *** (CID:5c0s04gsxwndhf1gjf)

From: Tsietsi Mnkansi Sent: 07 October 2020 12:08 To: 'Venter, Andries' <***>; 'Penny Mtebe' <***>; 'Wesbank Collections' <***>; '***' <***>; 'Debt review back office' <***>; '***' <***>; 'Nthite, Tshepo' <***>; '***' <***> Cc: 'Siphokazi Tyalana' <***>; 'Taylor, Amelia' <***>; 'Riaan van Zyl' <***> Subject: RE: PAYMENT ARRANGE - [External Email] - *** (CID:5c0s04gsxwndhf1gjf)

From: Tsietsi Mnkansi Sent: 07 October 2020 10:34 To: 'Venter, Andries' <***>; Penny Mtebe <***>; 'Wesbank Collections' <***>; '***' <***>; 'Debt review back office' <***>; '***' <***>; 'Nthite, Tshepo' <***> Cc: Siphokazi Tyalana <***>; Taylor, Amelia <***>; Riaan van Zyl <***> Subject: RE: PAYMENT ARRANGE - [External Email] - *** (CID:5c0s04gsxwndhf1gjf)

Good day.

The agent that came to my premises were forcing me to do so, the Wesbank agent was taking about surrendering and they are talking about the safe keeping. I found the two things contradicting and they were already in the premises to force me to surrender the car, hence they hided the attached documents as and say it is an assessment form. I agreed with the Wesbank agent that I agreed and understand her explanation, I was about to refuse to handover the car but the agent in my premises forceful insist that they are taking it for safe keeping.

It was at night and they attached document was hidden and I was told it is an assessment form, I still stand that I was misled and treated unfair at least I would like you to allow the account to be included on the debt review. At least it will sound fair enough for me. I don’t accept the manner how they act toward taking my car. The very same day during the day I spoke to Riaan van zyl to ask I change to think about it after I have outline the plan how to play and arrears, after what I went through with the car., I was not given that chance to do so.

I feel traumatized, misled and treated unfairly.

Kindly help with to reserve the mistreat decision that happen into the whole process, I lot of thing was not done correctly and I was told that they need the car for safe keeping.

I very serious and I am in the suicidal situation, I work shifts and I use this car for a work purpose. Kindly regards Tsietsi Mnkansi an misled Wesbank ***

From: Venter, Andries [mailto:***] Sent: 07 October 2020 10:07 To: Tsietsi Mnkansi <***>; Penny Mtebe <***> Cc: Siphokazi Tyalana <***>; Taylor, Amelia <***>; Riaan van Zyl <***> Subject: RE: PAYMENT ARRANGE - [External Email] - *** (CID:5c0s04gsxwndhf1gjf)

Good Day Mr. Mnkansi,

With regards to the below email,

Kindly be advised that the day the agent was at your premises to collect the vehicle a voice valuation of the Voluntary Termination Notice was done with yourself and the WesBank agents, on the call the agent advised you what the Voluntary Termination Notice is regarding and what the process will be when the vehicle is collected with the document, on the recording you as the customer discussed the matter with the agent that was at your premises and the process of a court order was also explained where you agreed on a recording that you will Voluntary Surrender the vehicle.

Kindly be advised that the documents cannot be withdrawn and the account cannot be taken under debt review as the agreement has been canceled, for the account to be re-instated we need the arrears amount as discussed to be paid.

Regards, Andries Venter Specialised Collections Team Leader WB MOTOR Direct line *** // Email ***

Address House of WesBank, Fairland Gauteng // Web wesbank.co.za

WesBank - a division of FirstRand Bank Ltd. An Authorised Financial Services and Registered Credit Provider. NCRCP20. Reg. No. ***.

From: Tsietsi Mnkansi <***> Sent: Wednesday, October 7, 2020 9:18 AM To: Venter, Andries <***>; Penny Mtebe <***>; Debt review back office <***>; Saptoe, Marlize <***>; Nthite, Tshepo <***>; Dreyer, Lukas <***> Cc: Siphokazi Tyalana <***>; Taylor, Amelia <***>; Johnson, Meagan <***> Subject: PAYMENT ARRANGE - [External Email] - *** (CID:5c0s04gsxwndhf1gjf)

Good day Andries This first sentence is not correct. I feel like I was misled or ******. I was not showed or given this attached to read and understand, they came at night and I was told that it is an assessment form. I was not at all given this attached form to read it., please consider how I was treated, is very ugly the way how they did this to me. Can you please not proceed with this as I withdrawing whatever they did. Nobody informed me about the Voluntary Termination Notice, I was told that they are taking the car for a safe keeping, as per a highlighted email from them below. They came at night, they didn’t give anything to read, they assess the vehicle and gave an assessment form to sign and they left. I don’t allow to be misled and be treated like this. What did I do t them to deserve to be misled like this. Nobody made me aware that I am volunteering to surrender the vehicle, which I would like this to be looked as I don’t agree with the manner of their approach, I was misled , I was asked to sign the assessment form, and I would like to withdraw whatever they didn’t and allow me to take an account to the debt review. I Would like you to consider that the below highlighted email from Penny Mtebe from Bankcol and the manner which they explain from is incorrect the statement is misleading. It doesn’t set well with me, I cannot just be ****** to the car because of their incorrect statement toward me as the customer. I would like this to be taken serious and may somebody intervene and help me. I very serious and I am in the suicidal situation, I work shifts and I use this car for a work purpose. Kindly regards Tsietsi Mnkansi an misled Wesbank ***

Tsietsi Mnkansi Call Centre Agent T: +*** | E: ***

www.europcar.co.za | ***| EuropcarSA

Abridged E-mail Disclaimer: This email is private and confidential and is solely for the attention of the named addressee. Any unauthorised use, review, retransmission or other use of this email, by persons or entities other than the intended recipient, is prohibited. If you are not the named addressee, please notify us immediately by reply email and delete this email and any attached files immediately.

Important Notice: Full version of Europcar, a division of the Motus Group Limited’s E-mail Disclaimer is available on our website. here. From: Venter, Andries [mailto:***] Sent: 07 October 2020 08:42 To: Tsietsi Mnkansi <***>; Penny Mtebe <***>; Debt review back office <***> Cc: Siphokazi Tyalana <***>; Taylor, Amelia <***> Subject: RE: FW: PAYMENT ARRANGE - [External Email] - *** (CID:5c0s04gsxwndhf1gjf) Good Day Mr. Mnkansi, As per our telephonic conversation, The account cannot be taken under debt review as the vehicle was collected with a Voluntary Termination Notice which I have attached for ease of reference that was signed by yourself the day the vehicle was collected. As per the Termination Notice the agreement has been canceled and can only be reinstated once the arrears on the account has been paid, if payment cannot be made the vehicle will be clear for sale on a public auction as per the Section 127 (2) (b) of the NCA. Regards, Andries Venter Specialised Collections Team Leader WB MOTOR Direct line *** // Email ***

Address House of WesBank, Fairland Gauteng // Web wesbank.co.za

WesBank - a division of FirstRand Bank Ltd. An Authorised Financial Services and Registered Credit Provider. NCRCP20. Reg. No. ***.

From: Tsietsi Mnkansi <***> Sent: Monday, October 5, 2020 4:39 PM To: Venter, Andries <***>; Johnson, Meagan <***>; Penny Mtebe <***>; Wesbank Collections <***>; Debt review back office <***> Cc: Siphokazi Tyalana <***> Subject: FW: FW: PAYMENT ARRANGE - [External Email] - *** (CID:5c0s04gsxwndhf1gjf) Good day Find the lightlighten email below, From PENELOPE, I was told that they are taking my car for a safe Keeping, the decided to give they because they want to safe it. The guys that come to collect the guys also told me that they are sent to fetch the car for a safekeeping, they came at night, I was not givan a chance to read the documents, they have asses the vehicle and ask me to sign the assessment sheet. No body alerted me that they are repossession the car, now I dispute that I have surrender the car and I would like to puta an account under the debt review and given my car back. May someone intervene on these issue, as a customer I feel like my right was validated and I was not treated fairly. Kindly regards Tsietsi

Tsietsi Mnkansi Call Centre Agent T: +*** | E: ***

www.europcar.co.za | ***| EuropcarSA

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Important Notice: Full version of Europcar, a division of the Motus Group Limited’s E-mail Disclaimer is available on our website. here. From: Penny Mtebe [mailto:***] Sent: 16 September 2020 13:58 To: Tsietsi Mnkansi <***> Subject: Re: FW: PAYMENT ARRANGE - [External Email] - *** (CID:5c0s04gsxwndhf1gjf) This is out of my hands, our field agents will contact you for the appointment to uplift the vehicle. On 2020/09/16 13:26, Tsietsi Mnkansi wrote: Good day Hope my email address will find you well, my I have your telephone please, the one I have doesn’t go through. Yes, understand that Penny, I sent an email before. I had a problem before the lockdown where the car had an engine Block, I went up and down to fix it because the QOUATATION was very high. Please bear with me till the 25 September 2020, I will start following the process. I now work shifts I sometime knock off at 22.00pm. and by than there is no transport since it is not allowed to travel after that. I really bag you in the name of God, I will really start payment since the state of our work is back to normal. Find the explain below. Good day WesBank I find attached Quotation, I had a problem with my car, it had an Engine block last year 09 November 2019. Hyundai Polokwane QOUTED R83000,00 which the Extend warranty that I have fail cover it. I had to take the car and fix it myself, now I am sitting and the areas which I would like to arrange the payment. I am willing to pay extra R1500, month. CAR DETAILS BBD81BBGP ID *** CONTACT NO *** Kindly regards Tsietsi

Tsietsi Mnkansi Call Centre Agent T: +*** | E: ***

www.europcar.co.za | ***| EuropcarSA

Abridged E-mail Disclaimer: This email is private and confidential and is solely for the attention of the named addressee. Any unauthorised use, review, retransmission or other use of this email, by persons or entities other than the intended recipient, is prohibited. If you are not the named addressee, please notify us immediately by reply email and delete this email and any attached files immediately.

Important Notice: Full version of Europcar, a division of the Motus Group Limited’s E-mail Disclaimer is available on our website. here. From: Penny Mtebe [mailto:***] Sent: 16 September 2020 01:17 PM To: Tsietsi Mnkansi <***> Subject: Re: FW: PAYMENT ARRANGE - [External Email] - *** (CID:5c0s04gsxwndhf1gjf) Good day Please note this account has been in arrears since before the lock down. Current arrears is R50 722.92. We need the vehicle for safe keeping. On 2020/09/16 11:08, Tsietsi Mnkansi wrote: Good day I hope my email will find you well I am sending this email with regards account arrears, for the past 6 month it was very difficult for me. The I was very affected by the pandemic, we were not even getting a payment from work. I would like to inform you that yesterday, with had a meeting with our CEO of the company promising that everything will get back to normal. We will now get our salary in full. I’m sorry for the setback life was very difficult due to the covid-19 pandemic, I am willing the to the monthly instalment and extra R2500, or R3000,00 per month till the is up-to-date. I FULLY Commit myself that I am going to stick to this proposal. Kindly regards Tsietsi

Tsietsi Mnkansi Call Centre Agent T: +*** | E: ***

www.europcar.co.za | ***| EuropcarSA

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Important Notice: Full version of Europcar, a division of the Motus Group Limited’s E-mail Disclaimer is available on our website. here. From: Penny Mtebe [mailto:***] Sent: 14 July 2020 12:06 PM To: Tsietsi Mnkansi <***> Subject: Re: FW: PAYMENT ARRANGE - [External Email] - *** (CID:5c0s04gsxwndhf1gjf) Please also forward he documents where you are waiting for the UIF to be paid, and where you are being reinstated at work. On 2020/07/14 11:53, Tsietsi Mnkansi wrote: ----Original Message-----

Tsietsi Mnkansi Call Centre Agent T: +*** | E: ***

www.europcar.co.za | ***| EuropcarSA

Abridged E-mail Disclaimer: This email is private and confidential and is solely for the attention of the named addressee. Any unauthorised use, review, retransmission or other use of this email, by persons or entities other than the intended recipient, is prohibited. If you are not the named addressee, please notify us immediately by reply email and delete this email and any attached files immediately.

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From: Tsietsi Mnkansi [mailto:***] Sent: Monday, 02 March 2020 15:39:11 To: WesBank, Service Subject: PAYMENT ARRANGE - [External Email] Good day WesBank I find attached Quotation, I had a problem with my car, it had an Engine block last year 09 November 2019. Hyundai Polokwane QOUTED R83000,00 which the Extend warranty that I have fail cover it. I had to take the car and fix it myself, now I am sitting and the areas which I would like to arrange the payment. I am willing to pay extra R1500, month. CAR DETAILS BBD81BBGP ID *** CONTACT NO *** Kindly regards Tsietsi

Tsietsi Mnkansi Call Centre Agent T: +*** | E: ***

www.europcar.co.za | ***| EuropcarSA

Abridged E-mail Disclaimer: This email is private and confidential and is solely for the attention of the named addressee. Any unauthorised use, review, retransmission or other use of this email, by persons or entities other than the intended recipient, is prohibited. If you are not the named addressee, please notify us immediately by reply email and delete this email and any attached files immediately.

Important Notice: Full version of Europcar, a division of the Motus Group Limited’s E-mail Disclaimer is available here. The information contained in this email is legally privileged and confidential, and may contain proprietary and/or personal information. It is meant solely for the intended recipient. Access to this email by anyone else is unauthorised. If you are not the intended recipient, any processing of the email or the information contained therein (including disclosure, copying, distribution, storage) or any action taken or omitted in reliance on this, is prohibited and may be ********. No liability or responsibility is accepted if information or data is, for whatever reason *******ed or does not reach its intended recipient. No warranty is given that this email is free of viruses. The views expressed in this email are, unless otherwise stated, those of the author and not those of FirstRand Bank Limited or its management. FirstRand Bank Limited reserves the right to monitor, intercept and block emails addressed to its users or take any other action in accordance with its email use policy. FirstRand Bank Limited specifically elects to not apply the provisions of the Electronic Communications and Transactions Act 25 of 2002 (as amended) to the content and format of this email, unless expressly stated otherwise. Should the recipient wish to conduct further business dealings with the FirstRand Bank Limited based on the content of this email, a formal, written and physically signed agreement will have to be entered into, to attract any liability on behalf of the FirstRand Bank Limited. Licensed divisions of FirstRand Bank Limited are authorised financial service providers in terms of the Financial Advisory and Intermediary Services Act 37 of 2002(as amended) and is a registered credit provider in terms of the National Credit Act 34 of 2005 (as amended). -- Kind Regards Penny Mtebe Bankcol International cc Email: *** Phone: *** Fax: *** Www.bankcol.co.za --