GG
Glenn G
Active since Feb 2022
46
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46 reviews10 months ago
Improve your customer service agents
Bunch of imbeciles, honestly need proper call center agents that aren't rude and barberic. Call me again for a Thabo what what and I'll issue a cease and desist letter for harassment. This is now a clear cut issue of mismanagement of personal data as laid out by the POPIA Act, For Reference I was a Mr Price customer so my number will be on your data base, calling me for someone else is not going to get you your payments but will **** off an attorney that will take you to court for harassment. Calling me in excess of four times in a single day is just atrocious. When I tell the call center agent that I'm prepared to take legal action the response you get is "That's fine - we will just keep calling you" well Goodluck to you because you're now threading on thin ice.
0 replies
10 months ago
********* Marketing = Withholding my funds AGAIN!! USD account means nothing
Since January 2023 I've been running a USD account with Discovery Bank as I work remotely for the USA, and specifically went with the account as it was advertised to be a "live account" I've never experienced problems with the account and always attained my money in a timely manner. Of late and in particular the last two months has just been absolute drama with Discovery Bank and this apparent live account where my funds and salary is withheld and I need to sit on the phone to try and get access to my account and my salary. So it's apparent that the said account isn't live and that you'll struggle to get your salary. So going forward I'll change all my creditors contact details to that of Discovery Bank who sits and withholds my due and entitled funds I've worked for to claim from them. Additionally I'm now also logging complaints with the respective Ombudsman regarding this as it's frankly misleading advertising to say the account is a live transactional account yet funds are withheld. Ill also be moving all my accounts from Discovery to FNB now as this has become enough. Discovery doesn't pay the late fees I need to pay for debit orders bouncing.
3 replies
10 months ago
Confirmation of our discussion
This serves to confirm that in the absence of no other way to communicate electronically and in writing with African Bank, following my discussion with Sandra Jambane on even date, at 12:05, I will hold on the high court application including but not limited to the NFO (National Financial Ombudman) until Monday the 28th July 2025, wherein I was assured to be issued final feedback on the way forward by no later than 11:00am. That said, should I not receive feedback on the 28th July 2025 by 11:30 - I reserve my rights to proceed forth with all said legal action and ombubsman claims againt African Bank, wherein I will hold African Bank liable for all attached costs. Yours truly, Glenn Gilmour
7 replies
11 months ago
We shall keep comms here on social media in the absence of engaging with clients
Given the absence of no response pertaining to letter dated: 30 May 2025, wherein you clearly and catagorically stated I need to give you 30 days (Working) which has now passed, and sent you a letter of demand to no acknowledgement, the following complaints have now been logged against the bank, inculding but not limited to a high court application wherein we will sue: - Banking Ombudsman - National Credit Regulator - National Consumer Council - National Finance Ombud We have also logged a urgent applicaton with the High Court now to actually resolve this matter, given that African Bank does not believe in transparency, engaging with clients and resolving matters, pushing clients further and futher into arrears, MAYBE now, you will realize how serious I am and maybe now your executive committee who is also being contacted will start getting the actual management team out of hibernation and start to engage with clients as they cannot hide from a summons for court. Not once has African Bank, engaged with me since the complaint to keep me updated, to date, your 30 days have lapsed and still no feedback
1 reply
11 months ago
ONLY WAY TO COMMUNICATE WITH AFRICAN BANK
What I find hilarious is that the only way to get any one at African Bank to engage or speak with you is to litrally write a Hello Peter Post, Then they will repond with: "We sorry but we stick with our decision at this time" despite the fact that no feedback was ever actually given: Let me demonstrate: - Case Number 9464530607 - 30 May - Clearly states that feedback will be issued in 30 working days, we are now on 32 days, not a single call, not a single email, not a single smoke signal, not a single dove or ***eon, not a single word. This AGAIN reiterates my case, and strengthens my case wherein you are tryign to negotiate with them and they blatently ignore you. ANYONE with the right mind will tell you that this is abnormal behaviour for a company that MUST adhere to the NCR, wherein you are now clearly in breach, AGAIN: Any magistrate, court room will determine that the consumer has attempted on several occasions tried to work with this imbicilic bank, only to NEVER get a response and or just blatenly be ignored by them, hounding and demanding for payments, not noting the current status on the system. I mean, reality must certainly sink in at some point with African Bank that: 1) You refused to negoiate with a debt councilor 2) The consumer has reached out to your firm on 13 different occasions over the past 3 years and not one have you tried to engage with him, 3) When you DO get someone to call, you have to repeat your story for the upteenth time, which falls on deaf ears. 4) You send out letters with reference numbers and never get feedback. When will the penny actually drop here, that no matter how many times you try to put a default on my credit profile, because I have reference numbers that are under dispute with you, your defaults are magically removed, because again, legally you CANNOT say I defaulted if there is a letter in place stating that the matter is being worked on in 30 working days, yet you dont even abide by that . When is the penny actually going to drop that African Bank is now actually just playing into my hands, and because of all the evidence in all the engagements with you, you have not bothered to respond to a single one, the longer you take, the less money you get, then you need to issue a section 129 - WHICH YOU STILL HAVE NOT DONE! Yet you claim default, How is a court of law actually going to look at that realistically" 1) Consumer engages with you 13 times, you ignore 2) Consumer tries debt review, you ignore 3) Consumer reaches out AFTER DEBT review - You ignore (9464530607) 4) Consumer attempts to negotiate on the removal of debt review, 9463634761 + 9465040956 +9464892825 +946530607) When is someone of some sort of stature and management ability actually going to start reading these threads, rather than being caught out when in a court of law when all these are being presented as evidence? It absolutely boggles my mind. SO NOW IN CLOSING AFRICAN BANK HAS LEFT ME NO CHOICE BUT TO ISSUE A FINAL DEMAND ON SOCIAL MEDIA: To: African Bank Limited – Compliance and Collections Department Subject: Formal Demand for Engagement & Objection to ******** Credit Bureau Listing: Credit Card 75024123360 & Loan Account 8467746005 Dear Legal and Compliance Deparment I hereby formally address this letter to African Bank regarding two accounts held in my name: - Credit Card Account: 75024123360 - Loan Account: 8467746005 We acknowledge that both accounts have unfortunately fallen into arrears. However, I must place on record that this situation has directly resulted from African Bank’s ongoing failure to engage with me as the consumer in accordance with its obligations under South African law. Over the past several months, I have made no fewer than thirteen (13) documented attempts via telephone calls, emails, and in-branch visits to engage African Bank in negotiating a reasonable payment arrangement. On each occasion, my efforts have been either ignored or dismissed without formal feedback or follow up. As a result of African Bank’s non engagement, my arrears have increased beyond my control, despite my intention to rehabilitate my accounts and settle my obligations fairly. Legal Framework and Case Law Authority African Bank’s conduct contravenes both the National Credit Act 34 of 2005 (NCA) and established case law. Specifically: - Section 129(1)(a) of the NCA mandates that before enforcing any credit agreement or listing a default on a credit bureau, a credit provider must first issue a written notice offering the consumer the opportunity to remedy the default. - I hereby confirm that no such Section 129 notice has ever been issued or delivered to me in respect of the above accounts, a fact that renders any enforcement or credit bureau listing ********. Relevant case law confirms this position: Case Principle Sebola and Another v Standard Bank of South Africa Ltd [2012] ZACC 11 The Constitutional Court ruled that a Section 129 notice must not only be issued but also properly delivered and proven as such. Ignoring consumer engagement attempts violates fair process. Nkata v FirstRand Bank Ltd [2016] ZACC 12 Reaffirmed that failure to engage with a consumer and non-issuance of a Section 129 notice invalidates enforcement actions, including credit bureau listings. Ferris v FirstRand Bank Ltd [2014] ZACC 16 Credit providers must offer consumers an opportunity to rehabilitate credit agreements before taking enforcement action. Absa Bank Ltd v De Villiers and Another 2009 (5) SA 40 (C) Affirmed that credit providers must act reasonably and fairly towards consumers under the NCA. Formal Demands In light of the above, I hereby demand the following: 1. Immediate suspension and removal of any default listings related to the aforementioned accounts until full compliance with the NCA has been demonstrated. 2. A copy of any Section 129 notice allegedly issued, together with proof of delivery, as per Regulation 31 of the NCA and the Sebola ruling. 3. A formal engagement from African Bank within 7 (seven) business days to negotiate an affordable payment arrangement in good faith, as per Section 86 of the NCA. Should African Bank fail to respond or comply with these legal obligations, I will have no choice but to escalate this matter to: - The National Credit Regulator (NCR); - The Credit Ombud; - And, if necessary, pursue relief through the National Consumer Tribunal and High Court, noting that should we proceed forth with high court, we will also claim costs. Closing This letter is sent without prejudice to my rights under South African consumer protection legislation. I trust African Bank will treat this matter with the seriousness it requires. I look forward to your urgent response. Glenn Gilmour
8 replies
11 months ago
*****s your money, puts you into financial distress.
Cannot rate the experience I've had. For almost two years I've been using a Discovery Forex USD account as I do work abroad in the form of consulting and get remunerated in USD. Never had a issue. Well that is until now : I get paid my fees and then see the usd hasn't cleared but is pending, I call Discovery only to be told that it's on hold and that it will only be released on 1 August 2025, when it was in my account on the 2nd of July already. So Discovery Bank causes you financial distress wherein I'm now unable to pay rent, cars, debts, purchase food etc. Absolutely pathetic excuses from them with zero escalation and zero assistance. Ill close my Discovery accounts effective immediately and move to a bank that doesn't have these issues. It's quite evident that Discovery Bank couldn't care about you or your finances and that they will BLATENTLY ***** your money from you. Thanks Discovery for *****ing me over as a long standing loyal client. Best of all is that they cannot tell me what the problem is, why it's a problem and how they only want to release my money 30 days after it's received. So effectively I'll be waiting 60 days for money for work done in June. This puts me into a further predicament as I cannot purchase electricity nor can I pay my internet which is paramount for consulting and work abroad. STUNNING TURN OF EVENTS BY DISCOVERY BANK
1 reply
12 months ago
We need to communicate through Hello Peter
Seeing that there is no other way to get a hold of African Bank, other than Hellopeter when a complaint has been registered, I'd like to put evidence in chief of how my relationship will go down with African Bank. 1. Given that for just over 2 years I've been trying to make amicable payment terms to catchup the arrears on my accounts, wherein I've diligently acknowledged the same and never said otherwise. 2. African Bank has continually shot down the request and subsequently blatantly ignored the same. 3. During this time of just over two years African Bank has not once issued a Section 129,despite the Numerous attempts to issue the same so that we can proceed worth with Legal, which just puts african bank in a worse off position when we do meet in court. 4. Even Debt Review didn't work with African Bank, wherein they demanded their own terms, which also goes against the grain of the NCR. NOW: I have noticed that you proceeded to place a default on my credit profiles which is fine and within your rights, what you don't know is that because you've never issued a Section 129, nor informed me of the same and the fact that there is currently a dispute in progress with African Bank you cannot legally do that but hey African Bank wants to work within their own parameters. To conclude and for ease of reference, I am placing a article here for African Bank to reference https://www.moneyweb.co.za/news/south-africa/dont-treat-national-credit-act-as-a-box-ticking-exercise-judge-to-ffs-finance/ This is quite clear that you will loose this legal battle, wherein I've asked you to work with me and still refuse to do the same. I've instructed my attorney to proceed forth with legal action and ensure that we also get in front of the same judge, wherein I'll also present the two years worth of communication between myself and African bank, all emails and communication, every call recording where you have blatentky ignored me to the judge wherein I've attempted on several occasions to get favorable terms for both parties. What the judge will see is the exact same, where it won't be blanket your terms but need be amicable terms. Your case will be lost and I'll win, with costs, this is what I've said to you will happen for the past two years yet you think I'm a stupid idiot. Now that it is in the media and there is reference material available, maybe now you will wake up and escalate this to a senior manager. PS: I am relocating to Cape Town on the 28th of June, so getting infront of the same Magistrate will actually be far easier. Ultimately, this is your loss and my win, but that is just a hard lesson that African Bank will need to learn. The point I'm trying to make it here
4 replies
13 months ago
It's futile working with African Bank in arrears.
Trying to work with African Bank on arrears is trying to literally get water out of a rock or trying to run into a brick wall. Unfortunately circumstances got the better of me and I fell substantially behind on my accounts, Debt Review wasn't a option as I was not declared over indebted by a court of law, which means I am suitable able to pay accounts however just not catchup the almost R100 000 arrears on my loan. On many occasions I've reached out to African Bank asking for a respread of the arrears and a term extension wherein I can comfortably pay a higher installment over a term, but they just blatantly refuse. Best is that in the two years that I've been in arrears, African Bank has never issued a Section 129, Proving beyond reasonable doubt that they're accepting the arrears, I've asked for managers to call me to discuss this never happens or transpires, I've asked for the respread and get told it doesn't exist with them, I've been told nothing can be done other than pay the R100K, which well is obviously not feasible. I've not once not admitted I owe African Bank said money, I'm trying to be reasonable and responsible here to ensure it's caught up and I can only do this with the banks assistance, which they don't offer. It's pretty pathetic to think that they accept the arrears as it is. Well, instead of me going to an attorney and needing to fight them through acts, legislation etc and claim back costs, it's simpler just not to pay them which isn't what I want to do then they will be forced to issue a 129, then I can ignore that too because it won't mean anything and then subsequently they will play into my hand and issue a summons to court and this is where it will play in my favor with all the emails, calls, documents and hellopeter.com posts where I've begged and pleaded for them to work with me. What they don't realize is that with me admitting my accounts and reaching out to them to work with me will also play in my favor in a court of law and the Magistrate will then ultimately just force them to respread the account whereas instead of going that way they can just freaking do it now, get payment, clear the arrears and we're on a merry way. Please don't get me wrong, African Bank was there for me when I needed funds and appreciate it greatly, I'm not intending on defaulting but they're not working with me forcing me to default to get them to court, I admit I owe them but circumstances leading up to the arrears which was legit life of death matters was more important to me then than paying accounts. For the love of all good things, I just cannot understand what the issue is to actually work with your consumer that is admitting to the accounts, that wants to pay but just cannot for the love of all good things catchup R100K arrears. It just seems that the consultants don't care and don't escalate to management unless management just doesn't care. Oh well I've tried and tried I guess African banks position is to meet the consumer in court and just loose the battle at the end of the day. Thanks for nothing African bank - See you in court soon.
19 replies
13 months ago
Forcing you under debt review when never under debt review legally
This is just pathetic, where the consultants do not listen, cannot point you into the correc reference documetation and when you get frustrated with their inability to effectivley communicate they tell you not to get rude, Here is my story: 1. I have been a long time client with ABSA, and have 3 credit cards with them, which has always been up to date and relativley significant credit limits attached to them. 2. Due to unforseen circumstances, we where caught in a situation wherein we needed to look at a Debt Review process, in May 2024, up to the 12th April 2025, there was NO COURT ORDER INDICATING that we are over indebted and subsequent to that because our circumstances changed dramatically for the better, the court declared us NOT OVER INDEBTED, and therefore the process was cancelled as per a court order. 3. Having engaged with ABSA initially on the 13th May 2025, I was catagorically and in no uncertain terms that EVERYTHING WILL GO BACK TO NORMAL AND THAT I WILL HAVE FULL ACCESS TO MY ACCOUNTS WITHIN 4 DAYS. 4. After a week I call ABSA to determine now what the deal is on my credit cards, to only be told that I was and am under debt review, that I will never get access back to my accounts again and that I must just pay it, so effectivley ABSA FORCES YOU UNDER DEBT REVIEW WHEN YOU HAVE NEVER BEEN OFFICIALLY DECALRED OVER INDEBTED BY A COURT OF LAW. 5. The consultant says the the accounts need to be reinstated by Debt Review Department, the Debt Review Department states I must call legal, legal says I must call debt review department so effectivley ABSA has absolutely ZERO knowledge as per how the law works here. 6. Based on the fact that all we have is a repetitive around about on how we need to apparently not resolve this and given the fact that ABSA forces me under debt review when I was never legally declared over indebted, and a court said it is not possible for me to be over indebted and that I need to have access to my accounts again, ABSA needs to furnish me clear cut terms and conditions stating that my accounts will NEVER be reinstated in order for me to take the matter to the Ombudsman and have them review the same. It is crazy to think that ABSA says you are over indebted when infact, you where never delcared the same, and a court order proves other wise, so the process never went further than that and they are stuck in the fact that accounts that where NEVER delinquent are a problem. PATHETIC.
5 replies
13 months ago
Death Sentence turns to death....
A tad perplexed as to what I have just been subjected too by the WFS (Woolworths Financial Services) call center) 1. Initially all my accounts where up to date, never in arrears, 2. Went through a slightly bad time and had to apply for Debt Review in July last year. 3. Court order never granted, so no formal restructuring took place and it was never official. 4. My circumstances dramatically improved and changed for the best, and am earning 6 times more than what I was when I intially took out the woolies accounts and credit card. 5. Because our circumstances improved, we attained a final court order to state that we are no longer over indebted and that the debt review application has been terminated and I will carry on with my accounts as per normal. 6. Called WFS Call Center, only to be told that I need to call Consumer Friend, Consumer friend says that my accounts have been handed back to WFS and that it should all be normal. 7. WFS states that I dont get access back to my accounts ever and that it remains under debt review and that I dont get to use them again, how is that possible if the Debt Review process has been terminated and not declared over indebted anymore and that I can live a normal life? Why does it seem that DR was the worst decision I ever made, and that it is seen as a sin and death sentence, when infact it is to ensure the creditors get paid and protects my interest, in all due respect a consumer taking that road, isnt a easy decision and road to take, I never once ran from my responsibilities with WFS and never once not paid, my accounts where never in arrears yet because I went through a slightly bad time, I needed to do this to ensure the creditors are paid their dues and my interests are protected, now I must continue to suffer consequences of paying for something I cannot make use of? How is that normal? Let me be clear, when you granted me the credit I was earning R40 000 a month, going into the DR process, I had no less income, subsequently now, I am earning in excess of R250 000 gross and yet you do not want to give me access to my accounts. This also is against the NCR....
1 reply
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