Tx ... I also phoned the call centre and they said that from 1 July 2016 you must have a minimum balance of R20000, not R15000 - they insisted a letter was sent about that in June 2016 but I'm pretty sure I didn't get it. So my balance was above 15000 but less than 20000 so they would not reverse the charges. Did you have a minimum balance of R20000?