THE WONGA TEAM:: A SHAM APPROACH TO CREDIT AGREEMENTS/LOANS

1. During the month of February 2018, I received a deposit of R 4000 in my bank account. Subsequent to receiving the Deposit, I received a call from a WONGA representative, whereby the it was stated by the WONGA representative that they have mistakenly deposited money into my bank account and that I must pay (deposit) it back to them. In response I demanded that the request or the telephone communication be conveyed by email and further requested that WONGA enlighten me as to how they were able to get my banking details and cell phone number. In this regard the following email communication was exchanged, : "wonga team Inbox x wonga wonga ********** Feb 13 to me

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Dear Xola

We apologise

As per telephonic discussion pertaining funds that are due to reflect on your bank account.Please return the funds to wonga bank account /FNB:ACC ********** 3217 with the amount of R 4000

We apologise once again for our system error.Thanks you in advance.kind regards wonga team

We hope that you found Wonga quick and easy to use and look forward to being of service to you in future.

Best wishes,

Customer Care www.wonga.com

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Lines are open Monday through Friday 07:00 – 19:00 . Saturdays 08:00 – 13:00.

Postal Address: P.O. Box 6332, Roggebaai 8012, South Africa, Registered in South Africa Company no: ***. A registered Credit Provider, NCRCP5033.

This email was sent to: ********** This email was sent by: Wonga Finance SA (Pty) Ltd.

(i then responded as follows):

xola vabaza ********** Feb 14 to wonga Good Morning I hereby acknowledge receipt of your email and as per the telephone conversation I will abide. I actually gave the deadline of Friday and explained as to why. Kindly note that I also requested that Wonga relay to me how it got hold of my details (telephone number, and the bank account etc). was this given to you by the bank ? or is there an authoritative agreement that empowers Wonga to have information relating to my bank details (phone number, bank account, etc).

kind regards". 2. Needless to say that no response was given by WONGA as to how they obtained my personal banking information and I must also admit that I therefore did not return the money. 3. Deducting from the above mentioned chain of events, it is clear and irrefutable that I have never entered or reached and credit agreement with WONGA whether it is a loan or otherwise. 4. However, and more worryingly, I have recently asked for my consumer credit report and to my surprise I found a credit account with interest by WONGA listed against my name. Thus, the inference drawn is that I have entered into a credit agreement with WONGA. 5. Again it should be highlighted that I (the actual legal person) has never in any shape or form entered into any credit agreement/loan with WONGA. Thus, it is legally misleading and incorrect for WONGA to list me as one of its debtors under a false claim of a credit agreement. 6. The incident of a mistaken deposit by WONGA into my bank account does not translate into a loan or any credit agreement, thus does not meet the lawful definitional elements of a credit agreement. 7. Can WONGA explain; what authoritative or lawful grounds allows them to list me as their debtor (someone/borrower who entered into a lawful credit agreement with the lender) and also how does money mistakenly deposited into one’s bank account generate interest and be registered as a loan?