FORMAL RECORD OF PROCEDURAL IRREGULARITY – CASE ***

PUBLIC WARNING: THE COLLAPSE OF JUSTICE IN SA (CASE ***) Title: 12-Year ***** Protected by NFO & PPRA "Regulatory Chain" of *******ion I am a victim of a 12-year financial dispute involving ABSA Bank, Vartrust Real Estate, and a total failure of the South African justice system. This is a documented case of forgery, *****, and administrative irregularity that spans from the bank’s branches to the highest regulators. THE ***** (July 2013): ABSA and their agents misappropriated a R146,178.79 property deposit based on an unsigned, void Offer to Purchase (Page 13). Under the Alienation of Land Act, this contract is a legal fiction. They kept the money, "flipped" the property for R1.65M, and left me with a loss that now totals R3.24 million (Restitution + Interest + Opportunity Loss). THE REGULATORY COVER-UP (24–25 March 2026): The National Financial Ombud (NFO) accepted my case in January 2026. On 18 March, the tracker showed the status as "Open" and "Waiting for Participant." • 24 March 2026: ABSA Bank officially defaulted on their final defense deadline. • 25 March 2026: Exactly 24 hours after the bank’s default, NFO Team Leader Lisbeth Mokhachane and Case Manager Mpho Sejabeng summarily CLOSED the case, claiming "no jurisdiction." THE VERDICT: There is no "justice" for innocent consumers in South Africa. The NFO, PPRA, Ombudsman, and Department of Justice (DOJ) operate as a single "Regulatory Chain" designed to shield banks and financial institutions from accountability. When a bank defaults, the regulator simply deletes the case file. This is Regulatory Capture. This is ***** by the state. This matter has been formally escalated to Minister Thembi Simelane (Human Settlements) and the Ombud Council for investigation into administrative irregularity and bad-faith procedural shielding. BEWARE: The NFO/ DOJ and all regulators are working with banks and estate agents its bureaucracy bureaucracy plus *******ion is not a protector