Name and Shame: Unauthorised Debit Orders Thread

YingYang said:
I get notifications for all transactions.

It simply means that your account is being watched and as soon as money move into your account and its sufficient to cover the debit, then it will go off.
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Correct. That's what the NAEDO in the description refers to. Here's the T&Cs for one of SA's largest unsecured credit providers with regard to debit orders:

1.6 Debit order: means a standard debit order or an early debit order (the choice of which will be at our election) whereby we instruct your bank to deduct a variable amount directly from your bank account and to pay that amount over to us. The variable amount is your monthly loan repayments, as well as any other amounts that may be due, from time to time, by you to us in terms of this agreement. In this regard:

1.6.1 you agree that if we elect to use a standard debit order and the debit order is unpaid by your bank for any reason, we may immediately submit an early debit order instruction to your bank to collect the outstanding amount, notwithstanding the fact that such instruction is presented to your bank in the same month;

1.6.2 you agree that if we elect to use an early debit order and the debit order is unpaid by your bank, your bank account may be tracked and the amount owed by you deducted and paid to us as soon as there are sufficient funds in the account, in which event payment may occur on a date that is not your usual debit order deduction date
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Pay special attention to (1.6.1)
 
FNB Insurance - check your statements for a double debit.

I only use the Law-on-call portion of insurance with FNB @ R55. They do other standard insurance as well.

The internal debit order fee is R3.70.

Call centre number: 087 736 7773

Email: [email protected]

Subject line: your ID number

Attach bank statement - I did a screen snip without the balance column.

FNB must be topping up on fee revenue - bastids :mad:.
 
AirWolf said:
FNB Insurance - check your statements for a double debit.

I only use the Law-on-call portion of insurance with FNB @ R55. They do other standard insurance as well.

The internal debit order fee is R3.70.

Call centre number: 087 736 7773

Email: [email protected]

Subject line: your ID number

Attach bank statement - I did a screen snip without the balance column.

FNB must be topping up on fee revenue - bastids :mad:.
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Credits to be done by Thursday.
 
Bank: FNB
Collection Company: Group Collect
Contact Number: 031 8250 705/ 031 8249 028
Company: Learner Aid
Contact Number: 031 8299 104
Contact Person: Kim Pillay
The landline is very bad, you can hardly make out what they are about. I spoke to a Kim Pillay who also gave me a different surname that belongs to a Capitec acc holder. They promise to gladly reverse the charges dating back from Feb but require my ID or banking details. How do I deal with this?

Another one is Call Solutions. Anyone heard of them? The collection company is apparently unable to trace the contact number using the ref on my statement (guess it’s going back to bank again)…
 
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daniellgr said:
Another large organisation that is currently making their DO customers very unhappy with failed DOs is DSTV.

Customers with DOs that have been running for 20 years are having hassles, others are finding themselves being automatically flagged with credit bureaus and allocations of DOs taken off are going wrong ...

So not only is Joe Soap out there having to put up with DO fraud, he has to accept that even long standing genuine DOs are now at risk of abuse by companies.
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Multichoice have double debited me for the last two months.
 
flava said:
Another one is Call Solutions. Anyone heard of them? The collection company is apparently unable to trace the contact number using the ref on my statement (guess it’s going back to bank again)…
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One Call Solutions maybe? I've seen 2 complaints on Hello Peter.

There has been no refund - I called MR KYLE NAIDOO yesterday morning who told me the money had been refunded - he would contact their bankers and come back to me. It is now 11:45 on 26.08.2015 and I have not received my money or any explanation. ONE CALL SOLUTIONS telephone (031) 836-0211 does not ring and appears to have been disconnected. ABSA BANK and ONE CALL SOLUTIONS have taken money fraudulently and need to resolve this immediately.
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flava said:
Bank: FNB
Collection Company: Group Collect
Contact Number: 031 8250 705/ 031 8249 028
Company: Learner Aid
Contact Number: 031 8299 104
Contact Person: Kim Pillay
The landline is very bad, you can hardly make out what they are about. I spoke to a Kim Pillay who also gave me a different surname that belongs to a Capitec acc holder. They promise to gladly reverse the charges dating back from Feb but require my ID or banking details. How do I deal with this?

Another one is Call Solutions. Anyone heard of them? The collection company is apparently unable to trace the contact number using the ref on my statement (guess it’s going back to bank again)…
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I have had an UNAUTHORISED debit order taken off my account by ONE CALL SOLUTION via CAPITAL COMPUTER BUREAU. FNB allowed this unauthorised debit order to go through. KYLE NAIDOO (floor manager at One Call Solution) told me it was a 'mistake' .. yer! pull the other leg! FNB have refunded part .. the other part is under 'dispute' at the moment. Still awaiting on the manager of One Call Solution THEO GOUNDEN to inform me on how they got my bank account details & how they managed to 'get' my authority to deduct my money.
 
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FNB can only 'refund' or reverse debit orders no older than 40 days. The older debit orders I had to list on a FNB DEBIT ORDER DISPUTE ADDENDUM form & will have to wait over a month for them to investigate. I did report this debit order to FNB when I first noticed it last year, but the person (i have her name / my Premier banker) did not bother to follow it through .. grr .. Am SO FED UP! CAPE TALK are going to expose this type of scam on Kieno's show on Monday morning 23Jan. I will be emailing the details of my scam through to him.
 
I am under siege, this month three of those unauthorised debits went off, after a couple months without any, can anyone with some information kindly explain how hard it is for the banks to implement that system that was supposed to protect us against such debits? it been in the pipeline forever now, are the banks dragging their feet purposefully or are there really issues in implementing this?
 
thechamp said:
I am under siege, this month three of those unauthorised debits went off, after a couple months without any, can anyone with some information kindly explain how hard it is for the banks to implement that system that was supposed to protect us against such debits? it been in the pipeline forever now, are the banks dragging their feet purposefully or are there really issues in implementing this?
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I'm with FNB, and their online banking has a tab to review/dispute debits.

Not sure on the others. Anyone banking with the other banks, kindly confirm procedure.
 
AirWolf said:
I'm with FNB, and their online banking has a tab to review/dispute debits.

Not sure on the others. Anyone banking with the other banks, kindly confirm procedure.
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I am with Standard bank, they introduced some feature called debicheck on the cellphone banking, its still not active though, nothing as yet on their app.

But how was this supposed to work? was it not supposed to run all new debit orders past you to see if you know them and authorize or reject them, instead of the debit going through and you having to review and query?
 
thechamp said:
I am with Standard bank, they introduced some feature called debicheck on the cellphone banking, its still not active though, nothing as yet on their app.

But how was this supposed to work? was it not supposed to run all new debit orders past you to see if you know them and authorize or reject them, instead of the debit going through and you having to review and query?
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FNB's is a review/dispute after it has gone through.

Banks charge a fee for processing debits, and also charge a fee for a reversal, so fixing the system for unauthorised debits won't get top priority from their side.
 
AirWolf said:
FNB's is a review/dispute after it has gone through.

Banks charge a fee for processing debits, and also charge a fee for a reversal, so fixing the system for unauthorised debits won't get top priority from their side.
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Aha, that makes a lot of sense.
 
Hi there.

I want to find out, did you ever find out what the ZBD FX transaction was? I am having the same debit orders go off on my account now the last 2 months
 
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