JM
janine M
Active since May 2010
64
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Reviews
64 reviews3 weeks ago
AIG DEFIES Poppi act AND DELAYS TO PAY
I have been an AIG Hospital Plan client for more than 10 years. This policy is a hospital cash plan that pays a fixed daily benefit from day one of hospital admission. It is not a medical aid and does not pay based on diagnosis, treatment outcome or medical condition severity. I was recently admitted to hospital by my GP due to a heart-related condition. During my stay, a hernia was also discovered. After discharge, I submitted my hospital cash plan claim together with the hospital account clearly showing my admission and discharge dates. Due to AIG changing their claims system, I first struggled to obtain the correct process and forms. I eventually uploaded all required documents through the new online portal nearly 3 weeks ago. After hearing absolutely nothing further, I contacted AIG today to complain about the delay and was advised that Loretta King is now handling my claim. I then queried why nobody had contacted me regarding any outstanding information. Ms King responded by saying, “Oh, I just emailed it.” Had I not personally called today to follow up, how much longer would I have been left waiting without any communication? I fully understand and accept reasonable verification requests such as: * Copy of ID * Proof of bank account However, I am extremely concerned and confused by AIG now demanding: * Copies of all blood test results * Radiology reports * Oncology reports * Full medical findings * A motivation letter from the cardiologist explaining why I was admitted to hospital Why are these documents necessary for a hospital cash plan that simply pays a daily amount based on hospital admission? My hospital account already clearly confirms: * Date of admission * Date of discharge * Length of hospital stay Surely that is what determines the payout under this type of policy. This is not a medical aid claim requiring treatment authorisation or investigation into diagnoses. It is a fixed hospital benefit policy. My blood test results, oncology records, scans, specialist reports and private medical findings have absolutely nothing to do with confirming whether I was admitted to hospital for the number of days reflected on the hospital account. What concerns me even more is that I previously had a completely separate cancer policy with AIG. In 2016, after I was diagnosed with breast cancer and underwent a double mastectomy, that cancer policy paid out and was then cancelled by AIG. At the time, I specifically questioned what would happen if I ever developed another form of cancer in future, and I was simply told that once the policy paid out, the cover ended permanently. I complained about this situation at the time and never even received proper feedback. I therefore find it deeply concerning that oncology reports are now suddenly being requested on an unrelated hospital cash plan claim. Why is oncology information being requested when: * I was admitted for a heart-related condition; * A hernia was discovered during admission; and * This policy only pays a daily hospital benefit? I believe these requests are excessive, invasive and unrelated to the actual benefit being claimed. I am also concerned about the unnecessary processing of highly sensitive personal medical information and whether this aligns with the principles of the POPIA Act. After faithfully paying premiums for over a decade, I am extremely disappointed by: * Excessive delays * Poor communication * Constant changes to the claims process * Lack of transparency * Last-minute requests for additional documents * Demands for highly confidential medical records unrelated to a hospital cash plan payout I would appreciate a proper explanation from AIG as to why all these deeply private medical records are necessary to process a simple hospital cash plan claim based on confirmed admission and discharge dates.
2 replies
2 months ago
“Urgent Escalation” = 15 Days of Silence. Can I Replace My Furniture or Not?
Months ago, a hailstorm destroyed my patio furniture (shattered glass, damaged chairs, safety risk with pets). I logged a claim with 1st for Women Insurance. Result? No assessor. No guidance. No process. No response. After escalating publicly, I was told on 12 March my claim would be “urgently escalated and resolved without delay.” I have since rep**** to all the previous hellopeters and still nothing 👉 It is now 15 days later — and still nothing. So I’ll ask a very simple question: Am I authorised to replace my patio furniture and be reimbursed — yes or no? Because right now: I’ve had to clear dangerous debris myself I’ve had to dispose of damaged items I cannot delay replacing this any longer And yet I am still sitting with zero direction from an insurer that has no problem collecting premiums every month. Let’s be clear: You cannot ignore a claim for months, fail to assess, fail to respond, and then later expect perfect documentation. That’s not a process — that’s avoidance. Final position: If I do not receive a clear answer immediately, I will: Replace the items at my own cost Submit the claim with invoice Escalate to Ombudsman for Short-Term Insurance Financial Sector Conduct Authority At this point, I don’t need another apology. 👉 I need a yes or no answer so I can move forward today.
4 replies
3 months ago
“Her First, Then Her Every Thing”… Except When She Actually Claims
Earlier this year a severe hailstorm destroyed my patio furniture. The glass tabletop shattered and the chairs were punctured by the hail. I immediately logged a claim with 1st for Women, expecting the process one would reasonably assume comes with paying insurance premiums every month. Instead… silence. No assessor. No guidance. No call. Nothing. The problem was that my patio was covered in dangerous shards of glass and I have **five small dogs**. Leaving broken glass lying around while waiting indefinitely for someone from 1st for Women to show up simply wasn’t an option unless I wanted injured pets. So I cleaned it up and disposed of the broken glass. After hearing absolutely nothing, I logged a complaint. Eventually someone called to say the magical word we all know so well in South Africa — **“sorry.”** Apparently that word alone is meant to fix everything. The gentleman said he would come back to me. He didn’t. Then another call came asking if I had taken photos. No, I hadn’t — because I naïvely assumed that an **assessor would actually be sent out**, especially when the damage was clearly visible (hail literally punched holes into the patio chairs). I was told someone would call the following Wednesday when I returned from holiday. That call never happened either. It is now March. No assessor has ever arrived. No claim has been processed. And I have since had to throw the destroyed furniture away because my yard was starting to resemble a s****yard exhibition of “Before and After Hail Damage.” What makes this even more ironic is 1st for Women’s marketing: “**Her First, Then Her Every Thing.**” “**Putting women first.**” In my experience it seems to translate more accurately to: **Her First… until she submits a claim.** And before anyone from 1st for Women now tries the predictable script of asking for **photos and proof**, let’s be clear: You cannot expect photographic evidence **months later** when: * No assessor was ever sent. * No instructions were given. * No urgency was shown despite dangerous broken glass. * And the only communication received was an occasional “sorry.” Insurance companies love documentation when it suits them, but documentation requires **a functioning claims process**, not radio silence. Premiums, however, are collected with remarkable reliability every single month. So the real question is this: If 1st for Women prides itself on putting women first, **why did you disappear the moment a woman actually needed you?** I would appreciate: 1. A proper explanation as to why no assessor was ever sent. 2. A resolution to the claim that was logged months ago. 3. Confirmation that “sorry” is not the official claims settlement policy. Because right now the only thing that seems to come FIRST is the marketing slogan — not the customer.
3 replies
3 months ago
Same Bank, Multiple Interest Rates – And Apparently Cash Is No Longer King
I am currently in the process of purchasing a vehicle through Omoda Alberton and financing through Wesbank , and the experience has left me questioning how the system actually works for consumers. The dealership initially submitted my application through their F&I department and received a rate from WesBank. As an FNB Private Client who does ALL my banking with the group (including my home loan), I decided to also approach WesBank directly to see whether I could obtain a better rate. I am such a loyal FNB person I even convinced our company to switch to FNB Interestingly, I did receive a better interest rate directly from WesBank than the one initially presented through the dealership. However, the dealership then indicated that if I proceed with my own financing directly with the bank, I will lose the negotiated vehicle discounts on this demo model because the finance would not be processed through their F&I department. In other words, the consumer is placed in a position where arranging your own finance may cost you the discount on the vehicle, presumably because commissions on the finance deal are affected. What became even more confusing is the following sequence: • The dealership initially obtained one interest rate from WesBank • I obtained a better rate directly from WesBank • The dealership then went back and obtained another different rate from WesBank • After that, the new offer I received directly from WesBank was suddenly higher again. At this stage we have multiple different interest rates from the same bank, for the same applicant, for the same vehicle, within the same transaction and same dealership. To be fair, I must specifically acknowledge Rebone from WesBank, who has been extremely helpful and has genuinely tried to assist me through the process. Unfortunately it seems that internal systems and dealership structures limit what can actually be done once applications are loaded into the system. Another interesting observation for consumers: It appears cash is no longer king in the motor industry. Paying cash actually results in paying more for the vehicle, while financing through certain channels appears to unlock discounts. That feels somewhat counter-intuitive for many buyers. From a consumer perspective this situation also raises a broader question around transparency. If the same bank can issue different interest rates for the same deal depending on how the application is submitted, it becomes difficult for customers to know whether they are truly receiving the best available rate or whether intermediary structures influence the outcome. Plus it's more of you fix it and that differs too. WesBank has built its reputation over decades as one of South Africa’s leading asset-based finance providers and promotes customer-focused values. I am hopeful that this matter can be resolved fairly so that: 1. The best available interest rate offered by WesBank is honoured. 2. The vehicle discounts already negotiated remain in place. 3. The transaction can proceed transparently without the consumer being penalised for engaging directly with the bank. As a consumer this experience highlights the importance of transparency in vehicle finance. If different rates can be produced by the same bank for the same applicant and vehicle depending on whether the application is submitted through a dealership F&I office or directly with the bank, it becomes very difficult for customers to know whether they are truly receiving the most competitive rate available. I trust that Wesbank, FNB and Omoda Alberton can assist in resolving this matter constructively so that the deal can proceed fairly for all parties involved.
7 replies
4 months ago
DISCOVERY MEDICAL AID ADMIN DEFIES THE CONSTITUTION
I am extremely disappointed in Discovery Health Medical’s administration and lack of accountability. I moved companies and due to admin/HR system glitches, my Discovery medical aid could not be carried over to the new company, so I had to start on a new Discovery membership number. There was a premium outstanding on the old membership number, which was paid in full . This was not a debt I caused, and I was unaware at the time that Discovery would handle it in this manner. Despite the account being paid, Discovery handed it over to a collection agency. What makes this even more unacceptable is that my Discovery broker was involved at the time, and has been trying to resolve this matter for almost 3 years. My DISCOVERY TEAM have bent over backwards to assist me, yet their support from Head office is nothing but PATHETIC. During this time, I have been harassed by collection agent, and now ITC is involved, claiming Discovery “never informed them it was paid” and that there is now interest and additional charges. Today, Discovery Head Office informed my broker that: This is not my broker’s problem, and It is my responsibility to resolve this directly with the collection agencies, and They even stated that my broker is not my broker, despite the broker being the one assisting me during the period this was handed over. This is completely unacceptable. Discovery: You loaded this You initiated this You handed it over And now you expect the customer to fix your administrative failure while being harassed for years? Constitutional rights – Just Administrative Action (Section 33) In terms of Section 33 of the South African Constitution, I have the right to lawful, reasonable and procedural fair administrative action. Discovery’s failure to correct their records, and their decision to send a paid account to collections (and allow it to remain there for years), is unreasonable and unfair administrative action. I therefore insist that Discovery correct and reverse their administrative error, ensure the matter is closed, and provide written confirmation that there is no negative listing or trace with ITC, TransUnion, or any collection agency. *What I want from Discovery (urgently): 1. Immediate written confirmation*that the account is paid and settled 2. A formal letter from Discovery to the collection agency and ITCconfirming the account was paid and must be closed immediately 3. All interest/fees reversed, as this was caused by Discovery’s administrative failure 4. Written confirmation that there is NO trace / NO negative listing / NO record at ITC, TransUnion, or any collection agency 5. Confirmation that this has been erased completely — not “it was listed and taken care of”,as a prior mail said this, and i am still being harassed by collection agencies. Perhaps Discover has lost track of who all they gave info to 6. Written proof from ALL the collection agents and ITC that the matter is closed and no further action will be taken I want this fixed immediately. I have had enough of being harassed for a “debt” that I did not cause, that I paid timeously, and that should never have been escalated to collections in the first place.
1 reply
9 months ago
Lack of Service and Communication – Standard Trust Limited (Client Service Centre
I was dealing with Nonhlanhla Ngcobo from the Client Service Centre, Standard Trust Limited. At first, she was very helpful and responsive, but the moment I sent through the required information, the communication stopped. I have sent several follow-up emails (more than three) requesting feedback and clarification. No response at all. I even specifically asked if she could call me back **before 9am** as I had an urgent meeting with my advocate and required the information beforehand – yet, no call, no reply. In desperation, I contacted the complaints line 0860 785 272. I was told I was “first in the queue” and held for 25 minutes, but no one ever assisted me. This shows a shocking level of disregard for clients’ time and urgency. To this day, I still have no clarity on what further information or documentation is required from me. I was told by Ms Ngcobo that an executor has been appointed, but I am also aware of another executor, which raises serious and urgent questions. Instead of answers, I get silence. One would think that dealing with grieving families requires compassion, transparency, and at the very least basic communication. Instead, what I have received is complete indifference. At a time of grief, this lack of care is not only unprofessional but also deeply insensitive. It seems that once they believe there is “no commission” to be earned, the service and follow-up completely disappears. This is unacceptable and disgraceful for a company that presents itself as a trusted service provider. I am extremely disappointed at the lack of accountability and service from Standard Trust Limited. **Management should take serious note of how poorly clients are being treated, and how damaging this behaviour is to the company’s credibility and reputation. I expect immediate feedback and proper resolution.
3 replies
11 months ago
FEDEX CHARGES AND DONT DELIVER FOR WHAT THEY BILL YOU
I sent a parcel to the USA last week and I paid to have it delivery TUESDAY 8 July 2025. I have tracked this parcel and it has been lying for 3 days in NEWHILL NC . It is Wednesday 9 July in SA as well as USA - As I have e the ability to understand there is a 6 hour delay - it was to be delivered yesterday before 20h00 but estimated between 10h20 and 14h20 on 8 Jul. If you try and log a complaint on FEDEX website or through your app and I have a user name it gives a virtual assistant who can not help and you cant find an email address to find the head of complaints or customer service. I could have paid a cheaper rate to get it there later than yesterday - and no communication to apologies about delays - Never mind that it was for a birthday gift - Quick to charge alot of money but zero deliverance on paying for what you don't get
7 replies
12 months ago
MIWAY doing Pensioners in
My mother is a pensioner - she called miway to amend her address- They increased her premium, then she asked but she is a pensioner does she get discount and they then reduced it a bit . She told them that she is also informing them that I (her daughter) handle all her admin and gives her POPPI act permission for them to deal with me. I then emailed and told them to review the policy amount and gave all the credentials of why the house should be eligible for better rates. Had no reply since and I have emailed and asked for someone to email me back. NOTHING but MIWAY was happy to then run a debit order on Saturday 31st May of over R600 which is R200 more than originally quoted as a pensioner. I again emailed and asked for someone to email me yesterday and then said if I get no joy I will lodge on HELLO Peter - well here I am lodging it
3 replies
14 months ago
George Rennie Management Agency are stars
I couldn't be more impressed with George Rennie Managing Agency! Having used them in the past when I was the chairlady, I knew I wanted to return after experiencing issues with another agency. As a current director in my HOA, I made the decision to move our community's management to George Rennie, and it has been the best decision. William Nagy and Lizandi Butler are absolute gems! Their professionalism, dedication, and attention to detail have made managing our HOA so much easier. They take all the stress and worry out of the equation, and we can finally trust that everything is being handled efficiently and effectively. Their communication is top-notch, and they go above and beyond to ensure that everything runs smoothly. It's clear that George Rennie Managing Agency values its clients, and with team members like William and Lizandi, I know we're in the best hands possible. Highly recommend
1 reply
22 months ago
PIONEER FOODS/ BOKOMO - PRONUTRO - REMOVE GOODS BUT DON'T REPLACE
I bought 4 x large boxes of Pronutro - they were old and Rancid -It is one of the ONLY CEREALS one can eat that is GLUTEN FREE . I reported it and they were brilliant they communicated, apologized - came and collected the product - sent it for testing - I had a report back on their findings. I had to even send photos on whattsap of the boxes,batch numbers etc with my reference no, But this was a few months ago - since then I have set emails and after emails and whattsaps to ask when do I get my 4 x boxes of PRONUTRO replaced - and it has gone on deaf ears - I went as far as to resend a message and made the subject line "THEFT" - and wow - Amazing - I got read reports but zero reply and I still don't see my 4 x large boxes of PRONUTRO - never mind that Pronutro is not cheap and I battle to find cereal compatible with my GUT - SO be warned consumers their marketing and complaints are brilliant at taking the complaint - but you will be out of pocket - even if you tell them you putting it on social medias - they could not give a damn - I even reported it on HELLO PETER under BOKOMO - and they never rep**** their either - No I see PIONEER FOODS is their big Holding company I assume - so perhaps we lucky now?? REFERENCE NUMBER IN ALL MY CORRESPONDENCE BO24-06-797 - EMAILS SENT TO [email protected], [email protected],[email protected]
0 replies
Review Distribution
5 Star
7 (10.9375%)
4 Star
0 (0%)
3 Star
0 (0%)
2 Star
16 (25%)
1 Star
41 (64.0625%)