MN
Michelle Norman (nee Fulton)
Active since Jan 2012
13
Reviews
0
Industries
Reviews
13 reviews3 weeks ago
Very helpful and ded...
Very helpful and dedicated to assisting with everything required by their clients
1 reply
76 months ago
SOLD ME A DUD CAR
So after being in a serious accident in early January 2020, and sadly not being covered by insurance due to circumstances, I went about trying to find a good, reliable, safe second-hand vehicle for R50k (which money I had to borrow from my sister-in-law). I saw an Adverti*****t on Facebook advertised by what was known as MW Auto (which premises is named Freeman Cars). The car I was really interested in was a Mazda 2 that was quite appealing and which car had a very good review. When I arrived at the business I was met by Johnny Biggs SA, whom was my contact on enquiry of the vehicle. I was rather disappointed to find out that the car I was initially interested was not there but Johnny insisted that it was coming - coming from where nobody knows but it never arrived. A blue Mazda 2 arrived that was in shocking condition, and which car I rejected, I then saw a Nissan Micra that looked very clean and in good condition, maybe that was because the lighting inside the premises was bad and as we all know, everything looks better in the dark. After asking the questions, which is a given - Is the car reliable; has the car been in an accident; are there any issues with the car, mechanically or otherwise?, the answers were all NO and Johnny promised me that the car was in perfect condition. He gave me his word. I took the car for a test drive which was approximately 2 blocks in the centre of Johannesburg doing around 60kms an hour, the car felt okay and didn't seem to have any issues, although there would not be found to be in such a short distance travelled and at the speed I was driving. My Brother-in-Law and Nephew were with me in the car when I test drove it. After a little haggling on the price and the admin fee of R2000, which I may add did not include Roadworthy, change of ownership, a valet or full tank of petrol, the expired licence disc and costs associated with the licence disc, my sister-in-law did an immediate EFT into their account and we drove off with the car, with the temporary licence taped to the back windscreen. I was excited to finally be able to have a vehicle to get to work and get my independence back. Sadly such excitement was short-lived. We noticed from day 4 that the car was leaking water constantly and I was having to put water in twice a day. We bought the car on 22 January 2020 and this started from 24 January 2020 when I started travelling the 40km's one way to work and the 40kms back from work. I sent a message to Johnny right away on 24 January 2020, and I got no response. The 27th of January I sent voice messages to him regarding the expired licence disc, which I was questioned about and which was not believed. With no response regarding the leaking water issue, I booked the car into my mechanic for a quick check to see if there were any issues and to see what needed to be done in order to get roadworthy done. Note - my Mechanic just did a quick overall of the car and NOT a full diagnosis. My mechanic then advised me that there were a number of issues with the car, 2 of which were of major concern, and which were visibly noticeable. There was a leak in the radiator, the front shocks and boots needed to be replaced, the V-belt needed to be replaced, the windscreen wipers needed replacing, the globe above the licence plate needed replacing, brakes linings needed rebonding. The leaking radiator issue became a big problem on Tuesday 28 January 2020 when the car started overheating and I had to pull into a garage to check the water etc. The car was boiling and the water had disappeared. I could not understand as just before I left work, I had checked the water and I had only travelled around 20kms when the car started overheating. I immediately sent pictures to Johnny and voiced my concerns. Eventually they agreed to replace the radiator which I was grateful for, but advised me that they would not fix the other problems as the radiator was the most important. The radiator was replaced, which radiator was confirmed by Johnny to be brand new. I dropped the car off for the day, which day I had to take a day’s leave which my boss was not happy about. They replaced the radiator and decided to do wheel alignment as they said that the shocks and boots are fine and it must be the alignment. The car has not performed better on the road since wheel alignment was done. Two days after the new radiator was installed I was travelling home from work when the next minute the water temperature light came on and the car starting spurting water all over the windscreen which did not happen with the first radiator. I sent pictures and messages immediately to Johnny and told him that there was something wrong with the radiator. He proceeded to tell me that the radiator was fine. How can it be okay? It’s worse than before the old one was replaced? I have been fighting since and they just don’t care what happens to a woman who drives on the road at 4am to get to work every morning. I eventually took the car in to Silverton Radiators on Friday 21 February 2020 and was told that the car had a blown head gasket. I was fuming. The gentleman proceeded to tell me that the new radiator could not have caused this and that the problem stemmed from the first radiator. He also said that the engine was obviously not checked before they put the new radiator in, and this is very important before replacing a radiator. The gentleman gave me his card and told me to tell Johnny to phone him and he would tell him what the situation is. I then sent messages to Johnny, at which time I was angry, frustrated, disappointed and tired. I am yet to receive a response. I have told them that this is not acceptable and that I want to return the car for a full refund. I do not want these problems, nor do I want an unreliable car where I could find myself without a car or stuck on the side of the road. I do not want any more promises, charm talk, their word or anything else. I WANT A FULL REFUND AND I WALK AWAY. I went to meet with Johnny Biggs and Freeman (the Owner) on Monday 24 February 2020, and after some very frustrating arguments and facts, the owner did say that he would pay for half the cost to get the head gasket fixed but if it was more that R5,000 he was not going to pay. (I have audio recordings of the conversations). I am not happy with this situation and am not happy with the outcome. We asked if they could maybe give me another car to the same value, to which the answer was no, we do not have another vehicle to the same value. The owner told me that if I wanted my money back that it would have to go on auction and I would have to wait until such time as it sold before I got my money back. EISH. That is not acceptable due to the fact that I do not have a car to get to work every day, and I do not have the money to hire a vehicle until such time that the car is sold. This is ludicrous. I left with the pretence that I was happy with what had been offered, but in fact the exact opposite is the truth. I needed to get back to work and was getting tired of arguing. I took the car to my Nephews Mechanic who tested the car and confirmed that the car had a blown head gasket. He also told me that this could not have occurred with the new radiator if the car was already leaking water with the old radiator. He said that if it was a radiator problem in the first place, then the new radiator would not be leaking. He will issue a report on his findings as well as a quotation to fix the head gasket – which he advised could be anything between R8,000 to R10,000. This would of course exclude all the other issues that were listed by my Mechanic, i.e. Front boots & shocks; rebonding brakes; V-belt replacing; windscreen wipers; globe for licence plate. It has got to the point now where that car will not even start; I am stopping at least 3 times a day to put water in the radiator; am too scared to drive the car as I am not sure what will happen next. The rain is here and with the shocks and boots being an issue, and not stable on the road, I am in fear of my life. I have ALL messages, all recordings, photos and snapshots of all conversations. I WILL NOT let people abuse and take advantage of single women in any way, and especially not when it comes to their safety on the roads. I will do whatever needs to be done to ensure that this is resolved to my satisfaction. We have the NCC and the Ombudsman on our side when it comes to others trying to take advantage. This is now out of control, and a resolution needs to be reached at the Seller’s cost. I am not prepared to lose R50k for a car that has never been safe or sound on the road since Day 1 of them selling it to me. The excuse of them not being mechanics, and admitting to not have the car roadworthied or tested before placing it up for sale on their FB page or on their showroom floor is not an acceptable excuse or viable response. I detailed the Law to them as per the Consumer Protection Act as well as that of the Automobile Ombudsman but they do not seem to care. Their lies from day one of selling me the car, and consistent lies and promises are ludicrous and I do not know how cars can be sold to any consumer in this fashion. Does the Law not mean a thing to anyone in South Africa, and are consumers not protected by an Act that is Law? I cannot believe that there are people out there who are so unscrupulous when it comes to making money that they have no care in the world that they are taking a single woman’s hard-earned money and sell her a car that may **** her without conscience. I will take this matter ALL the way to the highest authority as I am tired of being taken advantage of as a woman, and being sold the one thing that helps me earn my bread and butter – a car. Without this, I will have no job, and without my job I will not be able to survive. I am a single woman in a very harsh world who is just trying to make ends meet and SURVIVE the best way I can.
3 replies
108 months ago
7 DAY NOTICE WITHDRAWAL NOT ACTIONED
<p>I called the FNB Investments division last Monday 10/07/2017 just a little after 08h00am and requested the closing of my 7 Day Call Account with immediate effect as I required the cash for an emergency. I was told that I would need to wait 7 days as that was the only option I had. I offered to pay a penalty but was told that this was not allowed. I needed this money extremely urgently as I needed to admit my Mother into hospital where they required a deposit. I failed as FNB would not release my money immediately. I then borrowed the money from a friend and promised I would pay it back today as it would be the 7 days I needed to wait. To my dismay, the funds are not in my account. I phoned again and spoke to Raida @ 09h57 and she advised she would ask her supervisor to listen to my telephone conversation and get back to me. I asked her how long this would take and she said she would get back to me within an hour and a half. I am still waiting, with the contact from FNB. I need this money immediately now as IT IS MY MONEY, and I cannot understand why I would be having such problems with getting it paid into my Smart Account by FNB. Please resolve this issue urgently and pay my money into my Smart account immediately.</p> <p>Further to my complaints logged online and via the Care Centre for FNB, I contacted the Cash Investments Department yet again and spoke to a lady by the name of Arilia at 12h20 today 17/07/2017. I relayed the conversation I had had with Raida earlier today at 09h59 and she advised me that Raida was not available to take my call.</p> <p> I asked her to discuss my issue with her Supervisor and I would hold as she then said she would ask someone to phone me back. Nobody has bothered calling me back since my initial call to Raida at 09h59. I then advised her that I would hold for her while she spoke to her Supervisor as I wanted an answer. Arilia had me on hold for over 6 minutes waiting, and then came back onto the phone only to tell me that all the Supervisors were in a meeting and there was nobody to talk to me.</p> <p> I proceeded to advise Arilia that I wanted this issue sorted out as I had already waited 7 days and 5 hours for a response and my money, and I did not see why I had to wait any longer for my money.</p> <p> Arilia then again advised me that my request had not been actioned. I told her to go back to my telephone conversation the lady on Monday 10 July 2017 just after 08h00am, as well as her Supervisor and then I would like an explanation as to why my request was not actioned.</p> <p> Arilia then advised me that she would get a Supervisor to contact me. I will wait and see but in the meantime I did advise her that I would be forwarding an email to all Senior Personnel at FNB that I could find until this issue was resolved and my money deposited into my Smart Account as requested on 10/07/2017.</p> <p> I find this totally unacceptable, and the service I have received from the Staff at FNB in this case to be absolutely shocking and totally unhelpful. I have yet to receive any feedback from FNB whatsoever.</p> <p> </p> <p> </p>
1 reply
121 months ago
APPLY FOR A LOAN - GET A MANDATE INSTEAD!!!!
<p>I applied for a personal loan online with Loan Hub, and after forwarding the necessary documents for my loan application I never received a rejection/confirmation of my loan application. Instead I found at the end of June 2016 that my bank account had been debited for the amount of R399.00 for an APPARENT Mandate that I had accepted. I requested a copy of the said Mandate where I asked them to provide proof of acceptance of this Manadate with them. I received the documentation but with no signature authorising them to deduct or apply for a Debit Order against my account for ANY amount of Mandate whatsoever! I have requested an immediate refund of my money, yet I still wait for any response regarding this request. This is unlawful and illegal and if this refund is NOT FORTHCOMING from Loan Hub, I will forward ALL information regarding this illegal practice to my Attorney for further action required against Loan Hub, of which such costs will then be claimed back from Loan Hub. Their blatant disregard for the whole reason why one would need to apply for a Personal Loan in the first place is disgusting and then on top of that they still feel it okay to deduct hard-earned money from one's account. Why would one be applying for a Personal Loan in the first place if they could just afford to pay for some Mandate every month when they are barely managing to survive. THIS IS LUDICROUS AND BEYOND ME! I want this resolved immediately!</p>
0 replies
121 months ago
APPLY FOR A LOAN - GET A MANDATE INSTEAD!!!!
<p>I applied for a personal loan online with Loan Connector, and after forwarding the necessary documents for my loan application I never received a rejection/confirmation of my loan application. Instead I found at the end of June 2016 that my bank account had been debited for the amount of R429.00 for an APPARENT Mandate that I had accepted. I requested a copy of the said Mandate where I asked them to provide proof of acceptance of this Manadate with them. I received the documentation but with no signature authorising them to deduct or apply for a Debit Order against my account for ANY amount of Mandate whatsoever! I have requested an immediate refund of my money, yet I still wait for any response regarding this request. This is unlawful and illegal and if this refund is NOT FORTHCOMING from Loan Connector, I will forward ALL information regarding this illegal practice to my Attorney for further action required against Loan Connector, of which such costs will then be claimed back from Loan Connector. Their blatant disregard for the whole reason why one would need to apply for a Personal Loan in the first place is disgusting and then on top of that they still feel it okay to deduct hard-earned money from one's account. Why would one be applying for a Personal Loan in the first place if they could just afford to pay for some Mandate every month when they are barely managing to survive. THIS IS LUDICROUS AND BEYOND ME! I want this resolved immediately!</p>
0 replies
122 months ago
CANNOT BELIEVE THIS - SHOCKING SERVICE
<p>Yet, yes, once again, it's me any the dreaded ABSA! Gosh they just don't stop with me. I received an sms from Absa on 18 May stating that my Debit Order for Absa was rejected and not honoured. I was infuriated to say the least because why on earth would you advise me of this 3 weeks after the date of actual Debit Order date - the 25th of April? Of course by this time of the month there would be insufficient funds to cover it! I am not made of money and need to sruvive the month after what is left of my measly salary after the 25th! I have NEVER had any issues with my Debit Order with Absa not going off on the 25th of the month when my salary is paid in. Now all of a sudden, they make their problems mine but not advising customers on the day that they had problems with the Debit Orders. They advise you 3 weeks later - WTH!!! Now they keep sending me messages advising me that I should remember that my Debit Orders are taken off on the 25th of each month, and that I need to ensure that there are enough funds to cover them. Whose error was this! It certainly was not mine but now it WILL become my problem because they will now deduct 2 x Debit Orders off my account this month for which I have not budgeted, and will find myself in deep trouble trying to just survive the month because of their "technical issues". I now request that the amount that was not debited from my account on the 25th of April be carried out to the end of the agreed payment term, as in another month added to the end of my repayment terms, and they NOT deduct double off my account on the 25th of May. I CANNOT afford it, and I don't see why, yet again I need to suffer at the hands of Absa when they mess up and don't advise their customers when they do. This service is unacceptable and disappointing. They HAVE NO REGARD for their customers whatsoever. It is disgusting.</p>
1 reply
122 months ago
ABSOLUTELY APPALLING SERVICE/LACK OF RESPONSE FROM NON-MOTOR CLAIMS/COMPLAINTS DEPARTMENT
<p>My Husband Jason Norman has been dealing with the assessors on our House Theft for a couple of weeks now, whereas before I was trying to deal with final resolution and pay-out of our claim with Mutual and Federal. We have been given the run around since day one of our claim by both the assessor and the inventory company. We have copies Mutual & Federal Non-motor Claims as well as Mutual & Federal Complaints, and NOT ONE respresentative/consultant/manager/supervisor/anybody has contacted either my husband or I regarding our queries and complaints to this day. Our house was broken into on 08 March 2016. On top of this all, we have been given an evaluation from the assessors for an amount of R14,000, yet the actual value of the items stolen is R35,000. The reason for this is that we are apparently under-insured despite the fact that we are insured for over R250,000. R35,000 value of goods taken compared to our insured amount of over R250,000 is tippence compared to what our monthly installments on our insurance is - R5,000 plus! We have not claimed from Mutual & Federal Non-Motor for over 15 years, yet we have to fight to be paid out the measly amount of R35,000 which is justifiable as the actual value of the goods that were stolen from us?!!! We are being bullied into accepting a payout amount of R14,000, and whatever way you look at it, we lose both with the robbery and theft as well as with our reputable insurance company. This is ludicrous and very unfair in terms of the loss we have suffered through the trauma of this break-in, and yet we need to be subjected to the lack of care, attention, response, service of our insurance company and their associates. We would expect for someone from Mutual & Federal to at least have the decency to pick up the phone and contact either myself or my husband in order for this claim to now be sorted out. It's going on 3 months now, and resolution must now be reached on this claim. The service/client care/support from Mutual & Federal is in no uncertain terms disappointing and disgusting and their loyalty to their long term clients is unimpressive and appaling to say the least. We kindly request that someone of authority within Mutual & Federal now take on this claim and provide answers and resolutions.</p> <p>My husband logged a complaint on Hello Peter 2 days ago - 16/05/2016, and he has yet to receive any positive response from Mutual & Federal or contact whatsoever.</p> <p> </p>
1 reply
122 months ago
ABSOLUTELY APPALLING SERVICE/LACK OF RESPONSE FROM NON-MOTOR CLAIMS/COMPLAINTS DEPARTMENT
<p>My Husband Jason Norman has been dealing with the assessors on our House Theft for a couple of weeks now, whereas before I was trying to deal with final resolution and pay-out of our claim with Mutual and Federal. We have been given the run around since day one of our claim by both the assessor and the inventory company. We have copies Mutual & Federal Non-motor Claims as well as Mutual & Federal Complaints, and NOT ONE respresentative/consultant/manager/supervisor/anybody has contacted either my husband or I regarding our queries and complaints to this day. Our house was broken into on 08 March 2016. On top of this all, we have been given an evaluation from the assessors for an amount of R14,000, yet the actual value of the items stolen is R35,000. The reaosn for this is that we are apparently under-insured despite the fact that we are insured for over R250,000. R35,000 value of goods taken compared to our insured amount of over R250,000 is tippence compared to what our monthly installments on our insurance is - R5,000 plus! We have not claimed from Mutual & Federal Non-Motor for over 15 years, yet we have to fight to be paid out the measly amount of R35,000 which is justifiable as the actual value of the goods that were stolen from us?!!! We are being bullied into accepting a payout amount of R14,000, and whatever way you look at it, we lose both with the robbery and theft as well as with our reputable insurance company. This is ludicrous and very unfair in terms of the loss we have suffered through the trauma of this break-in, and yet we need to be subjected to the lack of care, attention, response, service of our insurance company and their associates. We would expect for someone from Mutual & Federal to at least have the decency to pick up the phone and contact either myself or my husband in order for this claim to now be sorted out. It's going on 3 months now, and resolution must now be reached on this claim. The service/client care/support from Mutual & Federal is in no uncertain terms disappointing and disgusting and their loyalty to their long term clients is unimpressive and appaling to say the least. We kindly request that someone of authority within Mutual & Federal now take on this claim and provide answers and resolutions.</p>
1 reply
122 months ago
NO RESPONSE TO APPLICATION/QUERY
<p><span style="color: black; font-family: 'Calibri','sans-serif';"><font size="3">I have been applying urgently for an increase in my revolving credit personal loan from the current since my first request via email to </font><a href="mailto:[email protected]"><u><font size="3" color="#0000ff">[email protected]</font></u></a><font size="3"> sent on 20/04/2016. </font></span></p> <p> <span style="color: black; font-family: 'Calibri','sans-serif';"><font size="3">I did receive a response from </font><a href="mailto:[email protected]"><u><font size="3" color="#0000ff">[email protected]</font></u></a><font size="3"> on 25/04/2016 requesting copies of my ID and Marriage Certificate which I did submit. Since that date, I have kept emailing and requesting feedback on my application and have to date received no further response. </font></span><span style="color: black; font-family: 'Calibri','sans-serif';"><font size="3"> </font></span> <span style="color: black; font-family: 'Calibri','sans-serif';"><font size="3">I have stated that this is urgent and would appreciate that someone contact me regarding this application. Today is now the 9th of May with no feedback/response since 25/04/2016. Seriously?!</font></span></p>
0 replies
123 months ago
DEBIT ORDER DOUBLE DEDUCTION OFF MY ACCOUNT
I have a personal loan with Nedbank and had arranged for a payment arrangement which was for an amount of R1,803.00 per month. The end of April came, and Nedbank deducted an amount of R3,008.00 from my account. The very next minute, they deducted another amount of R3,006.00 from my account for the same loan repayment. I have since lodged a number of complaints on their website, and via email. I did get a kind response from one of the Client Feedback consultants stating that he had reported my issue to the Personal Loans Complaints department and a consultant from that department would contact me shortly to make an alternative payment arrangement. He also stated that he had requested that my money be refunded accordingly. This email was received on 28/04/2016, and since that time not another person has contacted me regarding my payment arrangement, nor refunding of my money. I have explained that this extra money was not budgeted for and was needed urgently. I have also since kept sending emails to the gentleman who initially assisted me, as well as online and to the client feedback email address. How can Nedbank just leave people hanging like this when they clearly made a mistake and know this, yet they don't bother contacting you, let along refunding your money. I find this rather disgraceful for such a reputable bank, and would kindly request that urgent attention and resolution to my complaint is actioned with immediate effect. Whatever it takes. I want my money back please and now would be nice and a good time to refund me. Thank you.
1 reply
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