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Absa Bank — absa bank / personal loan repayment inconsistency

Absa bank / personal loan repayment inconsistency
Ma maritza wilke mar 16, 2018
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I have had a personal loan for the past 2/3 years and every month my repayment went of on the 15th of every month. I did a top up on this loan on the 15th of december around the afternoon time. But as usual my installment went of on the morning of the 15th. The person on the phone who handled the top up for me accedetely made the new repayment date on the 1st of every month. This means that on the 1st of jan 2018 the top up loans installment went of only 15 days after the previous installment of the initial loan. This means for me twice in one month. This to me is major problematic since i dont have such money available in my account on a monthly basis. I went to the ben swart branch and told them what happend. They assisted me in a refund. I was told that they made an manual arrangement for the installment to go off on the 15th jan 2018. But it did not. On the 19th i went to the bank again to query that. Then i was told that according to the computer for the 1st of february an installment will go of and that all will be fine after that. Came the 1st of february a double installment went of. Again i went to the bank and said this puts me in a predicament. We got to speak to a trevor balyoi on the online helping site. He refunded the one installment and asked me after long deliberation to make a manual payment on the 15th of feb 2018 and contact him on the 16th so he can activate a debitorder change date. This i did. He replied back to me via email that my debit order date was sucsessfully changed and will now go off every 15th of the month. When march came an amount bigger than my installment went of. My installment is r3563-71 but r4652-02 went off. I phoned the support line and made contact with trevor again. Both told me that this was supposed to happen since no more than 30/31 days should elapse between payments and with me there was 45days. And that the money that was extra for me was according to the bank ethical. I was not informed of this extra amount prior to the change of date. I had no means of preparing myself for this nor does this make sense to me since i was not the one that screwd up from the beginning. To the bank it is ethical to take the amount prorata for the 15day laps time and i was told that those 15 days are my responsibility. But it is not unethical for the bank to take 2 installments in one paycheck from me? Either way it is always the client that pulls on the short end. I want to know why this should fall on me and not the bank or the person who made this mistake in the first place. I have 7 children of who 3 are livving with me. I have one that studies. My husband have almost no income most of the time since he rely on what you will call piece jobs that are very scatterd. Hope this helps you to understand the financial strain this puts on me if any extra money must be taken at anytime other than what i originally budgetted for. Please come back to me with this on my phone number [protected] or on my mail adress maritza. [protected] Za

absa bank / personal loan repayment inconsistency
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