I have 2 prescribed letters from my creditors and 1 paid up letter. How do i clear my name from Credit Bureau?

I am very upset today. I paid two months upfront on installments in the hope that I will qualify for more cash. I qualified for R5000.00 3 months ago and never missed a payment. I am now left with one installment of R1162.89 after I made the two months payment this morning, but I was immediately declined for further credit.

I do not understand why i was declined, because nothing changed on my credit profile or my affordability, instead I got an increase on my salary at the end of July so I do not know why Capfin is declining me now.

But I would rather like them to then please reverse my money back into my account and stick to the normal debit orders if they do not want to give me more credit, because I need this money.

Thank you



ID870529000801

I have been having issues regarding my loans at Capfin, when I try rectify these on their web-site it kept on giving me an error.
So I spoke to a lady by Shafieqa she asked me to screen much and send an email to her Customer Services Team Leader Andile Calana. who is always busy to take my calls, but you can hear him on the background. I’m tired of being treated like shit by people who don’t want to do what they have been hired to do. I have sent numerous e-mails to Andile Calana and spoken to Thabisile , Funeka and other agents whore of not help to me and my issues. I was promised results and feedback in 24 hours that was on the 25 of July 2018 now it is way past that 24 hours. This makes me look at pep stores CAPFIN in a different perspective, this Andile so called Team leader is rude , as some point he hung up on me, This is really frustrating especially the level of professionalism or lack off. They are rude as if they are doing me a favour forgetting that they are paid to resolve and attend to us.

I settled my account in August 2017 and have not yet received my Paid up letter even after many attempts Calling and e-mailing them. Their supervisor Sbonelo is always busy when he has to take my calls, but you can hear him on the background. I’m tired of being treated like shit by people who don’t want to do what they have been hired to do. I have sent numerous e-mails to collections and spoken to Thabisile, Sbonelo , Funeka to name a few…all these people were of no help to me. This makes me look at pep stores in a different perspective. When I spoke to Ntobeko she told me she doesn’t know why I haven’t received it yet and I must send an e-mail to collections as if I haven’t done that. If they are unable to help why don’t they put telephone lines straight to collections if they do not answer on their behalf. This is really frustrating especially the level of professionalism or lack off. They are rude as if they are doing me a favour.

I settled my account in August 2017 and have not yet received my Paid up letter even after many attempts Calling and e-mailing them. Their supervisor Sbonelo is always busy when he has to take my calls, but you can hear him on the background. I’m tired of being treated like shit by people who don’t want to do what they have been hired to do. I have sent numerous e-mails to collections and spoken to Thabisile, Sbonelo , Funeka to name a few…all these people were of no help to me. This makes me look at pep stores in a different perspective. When I spoke to Ntobeko she told me she doesn’t know why I haven’t received it yet and I must send an e-mail to collections as if I haven’t done that. If they are unable to help why don’t they put telephone lines straight to collections if they do not answer on their behalf. This is really frustrating especially the level of professionalism or lack off. They are rude as if they are doing me a favour.

I Aghmat Stewart went to pep stores to take out a loan. I later called to cancel the loan and the consultant told me it was to late because it was already approved. I sent the money back the minute I received it. Later I called to confirm the closure of the account they picked up that I used the wrong reference. Veronica from the call centre insist that I am liable to pay over R700 penalty for late payment. I find that Service ludicrous to pay for money I didn't use and paid back straight away. also I tried to cancel before the money came in my account in the first place.

I Aghmat Stewart went to pep stores to take out a loan. I later called in to cancel the loan and the consultant told me it was to late because it was already approved. When the money hit my account I paid it directly back. When I called to confirm the closure of the account they picked up that I used the wrong reference. Veronica from the call centre insist that I am liable to pay over R700 because of late payment. I've sent them the proof that I paid the money directly back. I find that Service ludicrous.

I Aghmat Stewart went to pep stores to take out a loan. Later the day I phoned to cancel the loan and the consultant told me it was to late because it was already approved. Later the day when the money hit my account I paid it directly back. When I called to confirm the closure of the account. They picked up that I used the wrong reference. Veronica from the call centre insist that I now have to pay over R700 for late payment. I sent them the proof that I did pay on time but they insist I am liable for penalty. I find that Service ludicrous.

Hi please update my capfin loan profile

I tried to apply for a loan at the bank only to hear that I'm owing Capfin which I don't,I don't understand what is going on hear because I don't remember borrowing money from Capfin and they don't debit but it reflects everywhere I just need Capfin to fix their doings please

Regards
Lesego Dibobo

Good day Capfin

I paid up the account i had with you last 2017/06.
and i was provided with paid letter.I then send an email to [email protected] and [email protected] requesting my profile to be updated.However whenever i apply for home loan it keep on getting declined because of this account.

I'm so angry, i want my profile update ASAP or i'm going to Ombuds

My details:
Name: Nontetho Ruth Mbangula
ID: 8111010776083
cell: 0760423687
Email: [email protected]

I have settled my loan account and have asked that my account is updated at the credit bureaus but it still shows an installment and balance outstanding. I have send numerous emails to have it corrected but nothing has happened. Please correct immediately.
ED MIller (6311130134088)

I keep on receiving sms's from capfin notifying me of non payment of loan which I have never took. I did not even know what capfin is about until I got irritated by their messages. At first I thought the message was not meant for me. Please rectify your mistake, if it is a mistake
So annoyed

Good day

I am very angry in the manner Capfin is holding my account . I want to refer this account to the ombudsman and understand what is going on. I have settled and paid up my account on the 9th of January 2018 and I was issues with a paid up letter and a statement that showed my account balance is on 00. In February Capfin then decided to do a debit order and I reversed it where they then issues a refund . I went to the nearest Pep and paid back the amount that was paid in my account. I think someone in the accounts department is busy with fraud as they keep debiting my account and I happen to reverse the account and keep paying back the refunds issues to me. I keep incurring interest on a closed account how do I stop this as it is annoying.

Good day

I am very angry in the manner Capfin is holding my account . I want to refer this account to the ombudsman and understand what is going on. I have settled and paid up my account on the 9th of January 2018 and I was issues with a paid up letter and a statement that showed my account balance is on 00. In February Capfin then decided to do a debit order and I reversed it where they then issues a refund . I went to the nearest Pep and paid back the amount that was paid in my account. I think someone in the accounts department is busy with fraud as they keep debiting my account and I happen to reverse the account and keep paying back the refunds issues to me. I keep incurring interest on a closed account how do I stop this as it is annoying.

Capfin should get rid of half their customer service host as almost non of them know what the meaning of customer service is! My last call with them, The guy I spoke to was extremely rude, literally shouted at me and speaking over me, i never got a Chance to speak and he was like "you need us its not the other way around" I was so stunned and told him to get his facts straight because I didn't call for a loan, I called because I've been receiving texts from them that I want to stop and he kept speaking on and on about I dont know what i'm talking about and to top it off, I wanted to speak to a manager and they told me i need to have a real query before i can speak to a manager. HOW PATHETIC

Good day. We had a CAPFIN loan and my husband was taken off duty and for a year he had no income. When recieving his pension we paid CAPFIN IN FULL. We paid them in full on 14/6/2016 through CAPFINS ATTORNEYS ANTHONY RICHARDS & ASSCOCIATE REF
22058433. Now after 1 year and six months now CAPFIN DECIDE that we still owing them money...DO YOU NOT HAVE A SYSTEM IN PLACE THAT CHECK IF CLIENTS HAS PAID. PLEASE CHECK YOUR BANKING STATEMENTS BEFORE CONTACTING THE CLIENTS. THEY ARE SENDING SMS EVERY DAY AND ARE NOW SICK OF IT. IF NOT RESOLVED I HAVE TO TAKE THIS MATTER FUTHER...I AM NOT GOING TO USE OUR MONEY TO SEND EMAILS OR FAXES...WE HAVE PAID...THEY WELCOME TO CONTACT ME ON THIS NUMBER 0607451986...

I just got off the phone from talking to this rude agent by the name of Nqakiso Ngqulu , no phone skills either communication .
tone of voice ,construction of her sentences the y she utters . I have never been so humiliated and insulted like that lady did in my entire life . emagine am the new customer in the block need a loan not from her but from capfin but her welcome was so not on point , don't think i could refer someone to do business with captin . capfin staff is so rude , i even asked to be called back but not by her

I had an account with capfin it was handed over to Nimble for collections paid up my account in April this year got my paid up letter and was told it will take 5-21 days to update waited but they never did a month after i contacted capfin the legal department was told to forward my letter to them off which i did was told also will take 5-7 working days to updated, this account its still reflecting i can't open any account i feel like i'm being punished now really im pissed off please try to sort this out.

Ive received a settlement on my capfin loan account that was handed over. I couldnt make a once off payment at pep stores but paid all outstanding monies as per the settlement letter. The amount was valid til the end of this month. The shouting and screaming from the nimble call was unacceptable. Ive paid .... wasnt aware it shouldve been once off. Ive even settled 2weeks prior to expire date. Please resolve this as i was not told to make a once off payment. 0726029093 my contact details.

In all my life, I have never dealt with a distugting company like this. My fiance took out a loan from capfin at the end of september last year. He lost his job and was unable to pay. I paid the account up to full in December. Situations forced me not to be able to pay again for a few months. I started paying again in May, June and July. Despite paying each month for the last 3 months, they still call numerous times a day harrasing my fiance and saying that he must pay the full amount immediately after he has made arrangements to pay them off the monthly installments. To make this worse , they are not sending him any statements so we do not know how much we still owe. Per our calculations we have already paid the loan amount in full and it should only be interest left and we should be basically done. The call centre agent I spoke to today(18/07/2017) at 10:23 a lady from capfin called from the number +27104934366 and the call lasted 1min 31 sec. I think her name is Kim, though I am so angry right now my mind is blurred. I answered as my fiance was busy .She asked if I could take a message. I agreed. I asked her that while I have her that while I have her on the phone, could she please arrange that they send him statements as he hasn't received any in a long time and we would like to know how much we owe. She immediately got very rude and wanted to hang up. I told her she is very rude. and she says she knows. I told her I will report her and she went to say that I should. This is anacceptable behaviour from a call centre agent who is suppose to give customer support. Yes I understand she can not give his information to me, but all I asked is that she email HIM his statements. Just because I pay the account doesn't mean he can not still get his statements on his email address. If I talked to my clients teh way she spoke to me, I would have been fired on the spot. CAPFIN will take action against her. How can they allow this. She deserves to be fired. Someone better contact us back in regards to this because we will not be leaving this here. The call can be traced and they can get our number.

i would like to logg an urgent complaint due to CAPFIN being responsioble for my poor credit profile by not submiting my paid up debt letetr to the credit bureau , i woul likd the matter resolved and rectified with immdeiate effect

I have applied for a loan in May 2017, and my first installment was due 29th which was Monday. This is my pay date. Imagine my surprise when I got a notification that a debit was scheduled for Saturday and it was returned. This results in 1. Unneccessary charges billed to me and 2. Has a negative impact on my credit score. Is Capfin doing this on purpose to prejudice my credit score??I have done loans previously two years ago through Capfin, and has not had any problems. How are you going to rectify the damage you caused by not communicating to your clients?Im appalled.

good morning

im so furious everytime when I ask the capfin consultants about the outsanding balance their system is not working well.i have requested a settlement letter it came via sms says 0.00. so this month R1700 was debited on my account i need clarity respond to the following email
[email protected]

My debit order is due every month on the 27th unless it falls on a public holiday or weekend, then it is due the DAY before. Capfin has just debited my account on the 15th. Way before my payday and I now have unpaid debit on my bank statement, creating unnecessary charges. How is it legal to deduct now? I have no arrears. Why was this done? I told you very well that you must not deduct my account and your consultants told me that its just a tracker it will deduct only if there is money. I want you to pay for those incurred charges.
