******** Collection Attempts and Failure to Respond to Document Requests

Dear Risima Shared Services,

I am writing to lodge a formal complaint against your company regarding your handling of my disputed WesBank vehicle finance account. Although you previously confirmed that the account is under formal dispute, placed on hold, and that all collection activity has been suspended, your agents continue to follow up repeatedly without providing any of the legally required documentation.

This conduct is improper, ********, and in direct contradiction to your own written communication.

1. Failure to Provide Requested Documentation On multiple occasions, I requested the following documents in terms of the National Credit Act (NCA) and the Debt Collectors Act:

Full account reconciliation explaining the “Bad Debt Opening Balance” All Taxed Bills of Costs for legal fees charged Sheriff warrants and Sheriff returns (if applicable) A complete post‑judgment interest calculation sheet Written proof that WesBank’s legal department approved the reconstructed balance A breakdown of the “Bad Debt Write‑Off” and “Bad Debt Opening Balance” entries dated 6 September 2024

None of these have been provided. Without these documents, you cannot lawfully demand, negotiate, or collect any money.

2. Continued Follow‑Ups Despite the Account Being Under Dispute You confirmed in writing that:

The dispute is logged The account is placed on hold All collections activity is suspended

Yet, I continue receiving:

Follow‑up messages Phone calls Payment requests

This constitutes:

Harassment A violation of section 103 of the National Credit Act A violation of the Debt Collectors Act Attempted collection on an unverified and disputed debt Breach of your own written undertaking

Your conduct is ******** and unacceptable.

3. Demand for Immediate Compliance I hereby demand that: A. All communication relating to collections STOP immediately — until the requested documents are provided in full. B. Risima provide the complete documentation within 10 business days These documents are not optional; they are legally required when collecting a debt. C. No additional interest, fees, or charges be added while the matter is under dispute. D. No adverse credit reporting occur until the dispute is fully resolved.

4. Notice of Escalation If this matter is not resolved satisfactorily, or if harassment continues, I will escalate it to:

The Ombudsman for Banking Services (OBS) The Credit Ombud The National Credit Regulator (NCR) WesBank Executive Office Hellopeter public complaint log

I will also request that WesBank review your appointment as an External Debt Collector due to non‑compliance.

5. Required Written Confirmation I require written confirmation from Risima Shared Services that:

All collection activity has ceased; The account remains on hold; You are actively obtaining the documents from WesBank; No further communication will be sent to me unless it is the documentation requested.

Conclusion Your agents' continued follow‑ups while failing to provide legally required documents is ******** and unacceptable. As WesBank’s appointed representative, you are required to adhere to the NCA, the Debt Collectors Act, and industry standards of conduct.

I expect your urgent attention and written confirmation. Regards, Miss JK Matau