MS
masedi S
Active since Oct 2019
15
Reviews
0
Industries
Reviews
15 reviews1 month ago
Formal Complaint Regarding Unclear Home Loan Decline Decision
Good day, I am disappointed and confused by the outcome of my application. I do not understand how my credit profile does not meet the minimum criteria when my credit score is favourable and I have not missed any payments on my accounts. I have maintained my financial commitments responsibly, which makes this decision very concerning. I would appreciate transparency regarding what exactly affected the assessment, as the feedback provided is very vague. It is frustrating to be declined without a proper explanation despite having a clean payment history. I also find it unfair that I now have to wait another 3 months to reapply without understanding what needs to be improved. Kindly provide a detailed explanation of the factors that resulted in the decline.
3 replies
1 month ago
Prescribed Debt Re-listed After Confirmation of Closure
I am extremely dissatisfied with how my dispute has been handled by TransUnion. This account was previously confirmed as prescribed, and I was contacted by a consultant named Daphney, who assured me that the account would be updated and closed accordingly. However, despite this confirmation, the same account has now been listed again on my credit profile. This is both incorrect and highly concerning. To date: * No valid proof of acknowledgment of debt has been provided. * No payment has been made towards the account. * No legal action has been taken within the prescribed period. The creditor has claimed to have “credible evidence,” including a recorded call where I allegedly agreed to make payment. I formally requested this recording, and it has still not been provided. Re-listing a prescribed debt after confirming its closure is misleading and prejudicial. I request that this matter be urgently investigated, and that the account be permanently removed as prescribed immediately.
1 reply
1 month ago
Ongoing Dispute – Misrepresentation of Prescribed Debt
I am extremely dissatisfied with how my dispute has been handled by TransUnion. On 20 March 2026, I was advised that my complaint regarding a prescribed account had been escalated. After waiting over 20 days, the account has simply been updated and still remains on my profile. I have now been told that the credit provider has “credible evidence” supporting the listing. This is misleading, as no such evidence has been provided to me. The creditor also claims to have a recorded call where I allegedly agreed to make payment. I formally requested this recording, and to date, it has not been provided. For clarity: * The debt has prescribed (exceeds 3 years). * No payment, acknowledgement of debt, or legal action has taken place. * No proof has been provided of any alleged acknowledgement. This continued listing is incorrect and prejudicial. If not resolved urgently, I will escalate the matter to the National Credit Regulator and the Credit Ombud.
1 reply
2 months ago
Incorrect Listed information
I would like to raise a serious concern regarding TransUnion listing an account on my credit profile that is clearly prescribed in terms of South African law. The account in question has exceeded the prescription period of three years, during which no payment was made, no acknowledgement of debt was given, and no legal action was taken to enforce the debt. Despite this, the account still appears on my credit record, which is both unfair and non-compliant with the National Credit Act. As a consumer, I understand that prescribed debt is no longer legally enforceable and should not be used to negatively impact my credit profile. The continued listing of this account is causing undue prejudice and affecting my ability to access credit. I have attempted to resolve this matter, but it remains unresolved. I request that TransUnion urgently investigate this issue and remove the prescribed account from my credit profile without further delay. Consumers should not be penalised for debts that are legally no longer enforceable. I expect prompt resolution and adherence to the applicable legislation.
2 replies
3 months ago
Repeatedly Cancelled Dispute & Incorrect Arrears Listing
I am extremely frustrated with the handling of my dispute by Experian. I have now logged a dispute for the third time, and once again it has been cancelled without proper resolution or clear explanation. I do not understand why this keeps happening. The account in question was paid in February, yet it has been updated as 30 days in arrears for February. This is an incorrect listing, as payment was made. I have proof of payment. I am being told that the account is still within the 60-day period allowed under the National Credit Act (NCA) for creditors to update their records. However, this makes no sense in my situation. If the listing is factually incorrect, why should I have to wait 60 days for it to be corrected? An inaccurate listing negatively affects my credit profile and financial standing. I request that: 1. The incorrect 30 days arrears listing for February be investigated urgently. 2. My dispute be properly processed and not cancelled without explanation. 3. The incorrect information be removed immediately once proof of payment is verified. I expect prompt feedback and a clear explanation as to why my disputes are being cancelled instead of resolved.
1 reply
4 months ago
Update prescribed account
I am writing to lodge a formal complaint regarding your continued reporting of a prescribed account to the credit bureaus. Account number: I am writing to lodge a formal complaint regarding your continued reporting of a prescribed account to the credit bureaus. Account number: 3333334365445000 This account: • Was opened on 08-09-2022 • Became prescribed on 08-09-2025 Despite this, I have discovered that Nimble Group has continued to submit updates to the credit bureaus, resulting in the account being reflected again as open. In terms of the Prescription Act and the National Credit Act, a prescribed debt may not be collected, enforced, or reported as an active account. Continuing to update or report this account is misleading and damaging to my credit profile. I hereby demand that Nimble Group: 1. Immediately cease all reporting and updates on this prescribed account 2. Instruct all credit bureaus to reflect the account as prescribed / closed 3. Provide written confirmation once this has been done Should this matter not be resolved urgently, I will escalate the complaint to the Credit Ombud and the National Credit Regulator (NCR) without further notice. I trust this matter will be treated with the seriousness it deserves. This account: • Was opened on 08-09-2022 • Became prescribed on 08-09-2025 Despite this, I have discovered that Nimble Group has continued to submit updates to the credit bureaus, resulting in the account being reflected again as open. In terms of the Prescription Act and the National Credit Act, a prescribed debt may not be collected, enforced, or reported as an active account. Continuing to update or report this account is misleading and damaging to my credit profile. I hereby demand that Nimble Group: 1. Immediately cease all reporting and updates on this prescribed account 2. Instruct all credit bureaus to reflect the account as prescribed / closed 3. Provide written confirmation once this has been done Should this matter not be resolved urgently, I will escalate the complaint to the Credit Ombud and the National Credit Regulator (NCR) without further notice. I trust this matter will be treated with the seriousness it deserves.
2 replies
4 months ago
Betway Changed a Settled Win Boost Payout and Withheld R27,313.50
I am lodging this complaint against Betway for altering a settled Win Boost payout and failing to pay winnings due. My bet was accepted, settled, paid out, and a withdrawal was allowed. After settlement, Betway reversed funds from my account, claiming there had been an “overpayment”. To date, Betway has not provided any contractual basis that allows settled odds or winnings to be recalculated after settlement. Betway has acknowledged that the applicable Win Boost percentage was correct, yet used an undisclosed calculation method to reduce the payout. The figures provided by Betway are internally inconsistent and do not mathematically align with the stated Win Boost percentage. Betway further amended its Win Boost Terms on 16 January, after the bet had already been placed, settled, paid out, and disputed. Promotional terms applicable at the time of placement cannot be changed retrospectively to justify a reduced payout. As a result, Betway has underpaid my winnings. The outstanding amount still owed is R27,313.50. A partial refund paid does not resolve the underpayment. This matter is not about a “system error”, but about post-settlement changes, lack of transparency, and failure to honour settled winnings. I am requesting that Betway immediately: 1. Pay the outstanding R27,313.50, and 2. Provide a transparent, contractually valid calculation. If this is not resolved urgently, I will proceed with escalation to the relevant gambling regulator.
1 reply
5 months ago
Betway reversed my winnings
I am lodging a formal complaint against Betway for reversing winnings from my account without providing any proof that an overpayment occurred. Betway paid out my winnings and later deducted funds from my account, claiming I had been “overpaid”. When I requested evidence, they only provided a transaction history showing money moving in and out of my account. This does not prove an overpayment. Despite repeated requests, Betway has failed to provide: • The bet settlement record (stake, odds, result and correct return) • The calculation showing what I should have been paid • The nature of the alleged error (odds error, settlement error or system error) • Any system logs or settlement records proving the mistake A transaction log only shows that money was credited and then removed — it does not show that the original payout was wrong. As a licensed bookmaker, Betway is required to keep proper audit trails and must be able to justify any balance adjustments with objective records. Reversing player winnings without proof is unfair, non-transparent and contrary to regulated gambling standards. I am demanding that Betway either: 1. Provide full bet settlement and calculation records proving an overpayment, or 2. Immediately refund the deducted amount. If this matter is not resolved, I will escalate it to the relevant gambling regulator for investigation.
5 replies
43 months ago
THE WORSE SERVICE EVER
I applied for a vehicle finance but my application was declined due to a low credit score, I contact absa to enquire about the minimum credit score which is required and was told it’s a minimum of 600. I don’t know why my application was declined when my credit score is 686. I then complain on Hello Peter as I didn’t get clarity and full explanation as to why my application was declined. I then got an email on the 18/11/22 from Pravesh Bejay in response to my complain stating that he’ll investigate and revert back to me. On the 22/11/2022 I got an email from Pravesh Bejay stating that my application was declined due to not being able to verify my payslip with my employer, he then closed my case without even bothering to contact me to enquire about this information, I then contacted him to get clarity on the email he had sent, I informed him that I find this very confusing because I was told my application was declined due to a low score by Linda Van Rooyen and now I’m getting a different reason from him. Which reason is it really? And how does a big Bank like Absa fail to verify their client’s employer especially with a well know company as IStore, I’m employed by iStore. What other measures were implemented that resulted ABSA to fail in verify my employer to an extent that my application is declined based on that. I feel like Prevash Bejay has failed to conduct a thorough investigation, should he have done so, he would have gotten information that my application was declined due to a low score which was false as I have produced my credit report. And that he would have made means to get ahold of my employer to verify my payslip He then asked me to send him my 3 months bank statements and 3 months payslip and that he’ll get back to me on the 23/11/2022. I’ve been trying to contact him through out the day and I’ve send him an email to enquire about my feedback. Till now I don’t have any response or valid reason as to why my application was really declined. Is it really too much to ask?
1 reply
43 months ago
Vehicle Finance
I applied for a vehicle finance but my application was declined due to a low credit score, I contact absa to enquire about the minimum credit score which is required and was told it’s a minimum of 600. I don’t know why my application was declined when my credit score is 686
1 reply
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1 Star
15 (100%)