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Noma N

1 reviews | Active since May 2022

28 May 2022, 08:17

Unjust service by wesbank.

In 2013 I bought a car which was financed by wesbank, when I placed my application I requested that no balloon payment should be included. Vw payed R15 000 towards wesbank installment, I also payed deposit worth R10 000(which no longer appear on my statement)...my installment was supposed to be R2515,40, when I realised that the balloon was included I indicated to wesbank that I told them from the onset that I do not want a balloon payment. A lady from wesbank whom I was talking to explained that if they remove balloon payment I would be expected to increase the installment amount to R3150, I agreed to the conditions and the installment was increased to R3150. As time went by I realized that the balloon payment was included in my statement even though I simply told wesbank that I don't want it hence the increment on the installment, the lady whom I spoke to at that time said they have corrected it,the balloon payment only reflects on the statement but on their system it's no longer there but to my surprise it was always there.... as time went buy I would pay the installment amount or even pay more. I realized in 2018 the I had payed more than enough and I finished paying for the car, but the balloon still reflected on my statement. That's when I started receiving call from wesbank telling me that I have a balloon payment to pay for, that when I told them that I should be getting my ownership certificate in stead they want to hold me back and also explain to the person whom I was talking to I finished paying for the car and that balloon payment was canceled in 2013.... that person promised to call me back when I requested that they should provide me with proof of monthly payments,how much I payed and how much was the balance that person disappeared and decided not to call again. 2019 I requested and app**** for refinance, I was told to submit the documents, so I did but nothing good ever came. 2020 I wanted to buy another car by the wesbank dept kept on appearing. I decided to call and explain that I don't owe wesbank but the lady I spoke with was busy telling me that I won't even get the settlement because my account was old. For the sake of the being able to buy another car , I payed about 44 000 towards the balloon but there was no difference Infact the interests became more than that the installment I was supposed to pay.... I called wesbank and the lady who was assigned to deal with my account, I asked her axactly what is it that I was paying for because I had done paying for my car and that I canceled the balloon in 2013 she responded by saying that I was paying for interest accumulated on my account. I further asked why would I pay interests on the account that I finished paying for in 2018,? I requested for proof of payment on how much is payed for the car and how much was left excluding the interests they have put in my account knowing that I was done paying for my car. Instead of providing me with answering and proof of payment, she handed my account to the lawyers I was then supposed to speak to the lawyers and not her, up until now am still asking for those documents. So far I have payed +/- R 254 00 on that account for a car that had an original capital of +/- R114 000. In March 2022 i got a call from a lady personel of wesbank saying that they were looking for my car and I need to bring the car it's being repossessed because I didn't make payments,I asked her of how much is expected form me she said R92 000. I also asked her what is for she said interests and the balloon, I told her that I have been calling and emailing wesbank requesting the proof of payment and recordings which I had made an arrangements to canceled the balloon instead theyof giving me what I requested they want to repossessed my car but the proof the I increased the installment I there she then proceeded with repossession process and ignored my request. Im March 2022 my car got repossessed by a sherrif sent by wesbank lawyers. I asked them of how much they said I owed, he said documents say R60 000 and gave me the lawyers contact number. When I contacted the lawyers they were not aware that my car was repossessed and it was with the sherrif, I re explained my situation to them the lady I spoke with said she can't help me I needed to speak with wesbank, I requested the statement and she sent me a full version of the statement this time it doesn't show the deposits I made that is worth R10 000 (I feel that my statement has been tempered with)...I called the lady whom was assigned to deal with my account, requested the proof of payment that showed how much I owe and how much I had payer excluding the interests accumulated while my car had been payed in full...I further requested the recordings of telephonic communication that I had with wesbank to cancel the balloon payment, until today she hasn't provided me with what I requested, instead she is playing ****** tricks with me, I called her twice she would answer the call and pretend to be someone else last time I called her was on Thursday at about 2pm ,who ever I talked to said she was on tea break,refused to take my number and said nokuthula know who I am and she woul call me back then dropping my phone I heard her giggling and then she laughed...that's when I realised that something was fishy about wesbank and my account, even today I don't know who to contact because I'm told nothing about my car I don't even know what is that that is expected from me because non of the third parties involved has answers for me.... I need the recordings that will proof that am done paying for my car and I also want my car back because no one has answers for me, I would call and they give will will call you answers and even now I don't know what is going on and what to anymore.. please assist me to del with this matter and to get answers ,recordings and my car back.

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Replies (2)
NN
Noma N's update28 May 2022, 08:53
Reviewer Update
Thanks for acknowledging my concerns.
WesBank
WesBank's reply30 May 2022, 07:39
Official
Dear Noma Nhlapo,

We have received and reviewed your Hello Peter post. Our Customer Resolutions Team has logged a formal complaint which has been routed to the relevant department for investigation and resolution. 

We will be in touch with you to resolve this matter.

Regards,
WesBank Service Resolution