Latest / Anele and the Club on 947 / Has your Car ever been repossessed?

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Has your Car ever been repossessed? · Anele and the Club on 947

• 0:01
  Speaker 1: Make you feel they can't help it make you feel good.
• 0:06
  Speaker 2: And the club nine four seven. I saw this video
• 0:10
  Speaker 2: and I was just like, Okay, hang on this this
• 0:14
  Speaker 2: is not because you know, scammers are always finding new ways.
• 0:17
  Speaker 2: These are always finding new ways to separate you either
• 0:20
  Speaker 2: from your money or from your assets. And this one
• 0:24
  Speaker 2: I was a little alarmed about it because a serious
• 0:27
  Speaker 2: warning for drivers in outing a new roadside hijacking scam
• 0:31
  Speaker 2: is making the rounds and it's designed to look like
• 0:33
  Speaker 2: a legit car. Reposition twenty second of April and Jermiston
• 0:37
  Speaker 2: in the Islander area, a woman was followed by suspects
• 0:40
  Speaker 2: driving an unmarked white Polo Vivo right. They approached her,
• 0:45
  Speaker 2: claiming to be from Waistbank, saying that they were there
• 0:47
  Speaker 2: to repossess her car. So this is the thing. I
• 0:52
  Speaker 2: was just like, guys, our cars do get repossessed, you know,
• 0:55
  Speaker 2: it happens. It happens, especially with where we are in life,
• 0:57
  Speaker 2: in the economy. No shame in it.
• 0:59
  Speaker 1: Your car gets this.
• 1:00
  Speaker 2: But I just feel like, surely there is a process.
• 1:03
  Speaker 2: Surely there is some sort of identification, some sort of
• 1:07
  Speaker 2: documentation that you are told that you are given for
• 1:09
  Speaker 2: you to hand over your car, yeap. But because if
• 1:13
  Speaker 2: your guy is in the process of getting repossessed and
• 1:15
  Speaker 2: you give the car to the wrong person, your problems
• 1:18
  Speaker 2: are about to multiply.
• 1:19
  Speaker 1: Now.
• 1:19
  Speaker 3: But this is that I can see how this happens.
• 1:21
  Speaker 3: Right So in the moment someone stops you, they say
• 1:25
  Speaker 3: they are repossessing your car. In that moment, you go,
• 1:27
  Speaker 3: but I've been paying my car. The one is the problem.
• 1:30
  Speaker 3: Then it escalates, obviously it's going to escalate any situation
• 1:33
  Speaker 3: like that.
• 1:34
  Speaker 2: And they say, call the office. You can come get
• 1:36
  Speaker 2: your office from the car from the office, but we're
• 1:38
  Speaker 2: taking this car right now.
• 1:39
  Speaker 3: We're taking it and then we'll sort out if this
• 1:41
  Speaker 3: is a misunderstanding, we'll sort it out later, you know.
• 1:44
  Speaker 3: And in the moment, you go, I'm not going to
• 1:45
  Speaker 3: fight these guys. I don't know what's happening, so I'm
• 1:48
  Speaker 3: just going to give them my car and then we'll
• 1:50
  Speaker 3: phone the back whatever.
• 1:51
  Speaker 1: The case is.
• 1:51
  Speaker 2: Honestly, the best person to speak to right now is
• 1:54
  Speaker 2: the executive head of Westbank Ecosystems. His name is Declan Jones.
• 1:58
  Speaker 2: He was kind enough to give us this. I'me very
• 2:00
  Speaker 2: busy man, but he'll he'll give us five minutes here
• 2:03
  Speaker 2: on Anil in the club, Declan Jones, good morning, welcome
• 2:05
  Speaker 2: to Anela and the club.
• 2:07
  Speaker 4: Good morning, and good morning Frankie T and Pequila and Sunday.
• 2:10
  Speaker 1: How are you doing.
• 2:11
  Speaker 5: We still have.
• 2:13
  Speaker 1: It's still fine, Decline.
• 2:16
  Speaker 2: This is alarming and I just hate the fact that
• 2:19
  Speaker 2: now people are going to run around using your guys
• 2:21
  Speaker 2: name as well to be able to pull off these
• 2:23
  Speaker 2: you know, elaborate scams.
• 2:26
  Speaker 4: Well, yeah, that is a very disappointing event. And unfortunately,
• 2:30
  Speaker 4: in this instance, it was a tracer that is contracted
• 2:34
  Speaker 4: to one of our tracing agencies that we use, and
• 2:37
  Speaker 4: this individual disregarded every single rule that we have regarding
• 2:42
  Speaker 4: repossessions of vehicles. What are the one that the rules
• 2:46
  Speaker 4: are that no woman on her own is allowed to
• 2:50
  Speaker 4: be approached, okay, No one is allowed to be pulled over, oy,
• 2:58
  Speaker 4: no one is allowed to be with help.
• 3:01
  Speaker 3: Say if I'm driving to a text, So if I'm
• 3:02
  Speaker 3: driving down the road, They're not going to pull me over.
• 3:05
  Speaker 3: You've got a way to unstop with my destination and
• 3:07
  Speaker 3: then approach me.
• 3:08
  Speaker 4: In terms of our rules, you have to be stopped, okay.
• 3:12
  Speaker 4: You cannot be forced to get out of the vehicle.
• 3:16
  Speaker 4: You cannot be forced to stay where you are or
• 3:19
  Speaker 4: withheld all right. Ideally, what we want to do is
• 3:23
  Speaker 4: engage with the consumer and the person to arrange so
• 3:28
  Speaker 4: we come and plan a handover voluntarily. We strive to
• 3:33
  Speaker 4: make sure that we keep the people in their cars
• 3:35
  Speaker 4: for as long as possible. Unfortunately, when we do get
• 3:38
  Speaker 4: to a point of repossession, this is months and months
• 3:40
  Speaker 4: and months post a court order that we've not been
• 3:44
  Speaker 4: able to even see the vehicle or understand where the
• 3:47
  Speaker 4: vehicle is, and we call that in absconsent. So this
• 3:50
  Speaker 4: is really a last resort action that we need to take. Ideally,
• 3:54
  Speaker 4: we want consumers to really approach us and try and
• 3:59
  Speaker 4: make a plan so that we can keep them in
• 4:01
  Speaker 4: their vehicle.
• 4:02
  Speaker 2: We adjust how much you're paying for a month, give
• 4:05
  Speaker 2: you like a payment break and all of that. So
• 4:07
  Speaker 2: now declan when the moment comes that my car is
• 4:11
  Speaker 2: now getting repossessed, and okay, we are going to meet
• 4:14
  Speaker 2: at my house or at my office or wherever. What
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  Speaker 2: documents should they have so that I can know that, okay,
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  Speaker 2: this is legit. I'm not now giving my car away
• 4:24
  Speaker 2: to a scam. And then you guys called in ten
• 4:26
  Speaker 2: minutes time and say no, we down the road.
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  Speaker 4: Okay, So there must be very clear identification that the
• 4:32
  Speaker 4: tracing agent belongs to a obviously official a tracing agent company.
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  Speaker 4: There must be a court order okay, because obviously we
• 4:43
  Speaker 4: can only repossess if there is a court order, and
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  Speaker 4: those are the primary documentation that consumers need to look
• 4:50
  Speaker 4: for and decline.
• 4:51
  Speaker 3: So if this happens to you, is there a number
• 4:54
  Speaker 3: you can phone to check that people are legit? So
• 4:56
  Speaker 3: in that moment you go, well, I know that this
• 4:58
  Speaker 3: has been the problem. I just want to make sure.
• 5:00
  Speaker 3: Do I phone the office? Can I phone west Bank itself?
• 5:04
  Speaker 4: Yes?
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  Speaker 1: You could.
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  Speaker 4: You could either phone the contact details that sit on
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  Speaker 4: the identification card of the tracing agents that will link
• 5:10
  Speaker 4: you back to the tracing agency company. Or you could
• 5:13
  Speaker 4: phone west Bank and check that this is a legitimate transaction.
• 5:17
  Speaker 2: But my car is not allowed to be ripped away
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  Speaker 2: from me. I'm not allowed to be pulled out the car.
• 5:21
  Speaker 2: They taking the car not at all, and they're flashing.
• 5:24
  Speaker 4: It is given that the current security challenges that we
• 5:28
  Speaker 4: have in South Africa, in no way share perform PARM
• 5:32
  Speaker 4: is unfortunately a massive challenge, but in no way share
• 5:35
  Speaker 4: perform can this car be ripped from you.
• 5:37
  Speaker 2: As you say, Elie, but what if I am like,
• 5:41
  Speaker 2: because I mean, I'm going to tell you a little
• 5:43
  Speaker 2: bit aboutself now the detection. I have a friend who
• 5:45
  Speaker 2: once went to went and hit his car from you
• 5:48
  Speaker 2: guys in Umtata at his mom's house in the Eastern Cape. Now,
• 5:52
  Speaker 2: surely you guys are like, now we have to we
• 5:54
  Speaker 2: now have to be a little bit more aggressive with you. Right,
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  Speaker 2: Surely there's a point where you guys are allowed to
• 5:59
  Speaker 2: be like, just move away from the polo.
• 6:05
  Speaker 4: Unfortunately, what we do is governed by law. How you
• 6:09
  Speaker 4: possess is government by law, and we need to stick
• 6:10
  Speaker 4: to the lords. So an interesting case that you've shown.
• 6:13
  Speaker 4: We've had many of those instances, and in fact, some
• 6:16
  Speaker 4: one or two of the customers actually phoned us to say,
• 6:19
  Speaker 4: you're never going to find the car. It's a challenge.
• 6:22
  Speaker 4: It is a challenge.
• 6:23
  Speaker 2: You guys say, game on watch us.
• 6:27
  Speaker 6: That's what Sorry, but what happens if someone actually does
• 6:30
  Speaker 6: refuse to cooperate despite the despite you showing up with
• 6:36
  Speaker 6: all the relevant documentation.
• 6:39
  Speaker 4: Unfortunately, Timeequila, that is that is the reality. We we
• 6:41
  Speaker 4: we can then bring the sheriff in to assist within repossession.
• 6:45
  Speaker 4: But again we need to stick to every letter of
• 6:47
  Speaker 4: the law in terms of these interactions to Makila.
• 6:51
  Speaker 3: I think that I think the one thing that Declin
• 6:52
  Speaker 3: is saying that we shouldn't mess her is that like
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  Speaker 3: most banks and west Bank as well, they want to
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  Speaker 3: keep you in your.
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  Speaker 1: Cars long as possible. So if you're if you're.
• 7:01
  Speaker 3: In financial trouble, and guys will always say this, banks
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  Speaker 3: WI always say this. If it's tight and you're not sure,
• 7:07
  Speaker 3: like you missapayment or whatever the case, phone them and
• 7:10
  Speaker 3: tell them, come to us, go to them and say, listen,
• 7:12
  Speaker 3: I'm struggling to do a payment on this vehicle.
• 7:15
  Speaker 1: This is the story. Whatever the case is.
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  Speaker 2: You wouldn't be the first person.
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  Speaker 3: You're not the first, and then they're going to do
• 7:19
  Speaker 3: their best to try and help you stay in your vehicle.
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  Speaker 4: Frankie, you one hundred percent correct. And if I could
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  Speaker 4: make one impassioned plea to avoid any collections process, please
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  Speaker 4: buy a vehicle within your means. Don't stretch your terms,
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  Speaker 4: do not stretch your balloons. Tet the total cost of
• 7:38
  Speaker 4: ownership into accounts, so you're never going to be in
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  Speaker 4: this situation in the first place. If you make a
• 7:43
  Speaker 4: responsible vehicle purchase decision, the likelihood of a collections Obviously,
• 7:48
  Speaker 4: life happens, but the likelihood of a collections event ever happening,
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  Speaker 4: is reduced.
• 7:53
  Speaker 2: Oh, inc, you've never been to JAMAILI where you have
• 7:55
  Speaker 2: to park a Nize carver. That's problem. Declin, thank you
• 8:02
  Speaker 2: so much for your time. And might I just say
• 8:04
  Speaker 2: you've put an amazing voice. Yes, yeah, I could listen
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  Speaker 2: to you all day.
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  Speaker 5: You say that morning.
• 8:13
  Speaker 4: Thank you. I really appreciate you're making me blush from
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  Speaker 4: the part of the fund.
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  Speaker 2: Declan Jones, executive head Where's Bank Ecosystems, Thank you so
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  Speaker 2: much for your time. See, guys, no one's allowed to
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  Speaker 2: just come and take your car from you. You just
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  Speaker 2: can't do that, he said.
• 8:28
  Speaker 5: They can't pull you over, So if they are looking
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  Speaker 5: for you, just keep driving.
• 8:32
  Speaker 1: Just keep driving. You can run out of money for
• 8:33
  Speaker 1: petrol if.
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  Speaker 2: You can't pay your installment. The petrol is also on
• 8:38
  Speaker 2: the bone there, so you can't run far. I don't know.
• 8:41
  Speaker 2: Can we have this conversation. Have your car ever been repossessed?
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  Speaker 2: What was the process? What do they show you?
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  Speaker 3: Yeah, I think we can be honest about this. I'm sure,
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  Speaker 3: it's happened to a lot of people.
• 8:49
  Speaker 7: Yeah, because I mean, I mean, I mean Decktlan probably
• 8:51
  Speaker 7: couldn't answer this. But how do you verify that the
• 8:54
  Speaker 7: card the person showing you from the tracking system is real?
• 8:57
  Speaker 7: How do you show that the bank lead is reel record?
• 8:59
  Speaker 6: It's very scary, but I think if you are up
• 9:01
  Speaker 6: for the repossession of a car, it wouldn't be a
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  Speaker 6: surprise because you would know that you've missed X number
• 9:08
  Speaker 6: of payments, there was a court order. If that process
• 9:12
  Speaker 6: hasn't happened, then I'd be like, what do you mean
• 9:14
  Speaker 6: you're here to.
• 9:14
  Speaker 5: Take a car?
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  Speaker 8: Oh?
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  Speaker 2: One one eight thirty eight nine four seven sent us
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  Speaker 2: a voice? Not zero eight four double zero double zero
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  Speaker 2: nine four seven. Have you ever been part any production
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  Speaker 2: line of the repossession, like any like whether you're the
• 9:30
  Speaker 2: one going to get the car, you're calling people, you're
• 9:34
  Speaker 2: the one being called. You have to make payment plans, guys,
• 9:36
  Speaker 2: there's no shame.
• 9:37
  Speaker 1: Hey no.
• 9:38
  Speaker 3: And if you, like Declin was saying, if you made
• 9:41
  Speaker 3: the the unfortunate choice of buying something that you couldn't
• 9:44
  Speaker 3: afford and you had to give it back, we want
• 9:46
  Speaker 3: to hear.
• 9:47
  Speaker 2: You're like six months and You're like, maybe that's Ferrari.
• 9:52
  Speaker 1: Is it for you?
• 9:53
  Speaker 2: Maybe that's doesn't make sense. Chat to Anna La and
• 9:57
  Speaker 2: the club cool one one eight three eight nights saw
• 10:01
  Speaker 2: a video on social media and I was just like,
• 10:03
  Speaker 2: ah ah ah, we have to tell the listeners about this.
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  Speaker 2: There are people out there making as though they've been
• 10:08
  Speaker 2: sent to repossess your car. Meanwhile they're just there to
• 10:10
  Speaker 2: steal your car. And the truth of the matter is
• 10:12
  Speaker 2: if you are behind on your car payments, there is
• 10:15
  Speaker 2: communication going up and down, like I'm sure banks go
• 10:18
  Speaker 2: out of their way to make sure that none of
• 10:19
  Speaker 2: this information can ever leak, but there are people who
• 10:22
  Speaker 2: will be in the note that Frankie's car hasn't been
• 10:24
  Speaker 2: paid for six months. Then they scam around. You don't
• 10:27
  Speaker 2: know how they get the information, but they get it.
• 10:28
  Speaker 2: So this is why we're having this conversation today. What
• 10:31
  Speaker 2: must happen before somebody rocks up to you saying I'm
• 10:35
  Speaker 2: here to repossess your car.
• 10:37
  Speaker 3: And Decton was saying from West Bank that there's a
• 10:39
  Speaker 3: lot of rules here and it's not going to be
• 10:42
  Speaker 3: a surprise for you, and it will be arranged and
• 10:45
  Speaker 3: it has to have a court order you will know
• 10:47
  Speaker 3: there's a long process.
• 10:48
  Speaker 2: By the time somebody rocks up to say they're repossessing
• 10:50
  Speaker 2: your car, you would have they would have spoken to
• 10:53
  Speaker 2: you a good eight times before that. So for somebody
• 10:56
  Speaker 2: to just rock up and say you haven't paid, give
• 10:58
  Speaker 2: us your.
• 10:58
  Speaker 1: Car, walk car, that's.
• 11:01
  Speaker 2: Shoot me in Randburgh.
• 11:02
  Speaker 9: Good morning, good morning, guys.
• 11:04
  Speaker 10: How are you well good?
• 11:05
  Speaker 9: How are you I'm good, I'm good. Thank you?
• 11:08
  Speaker 2: Said your niece was in the same position.
• 11:11
  Speaker 9: Literally three days ago.
• 11:14
  Speaker 1: Yes, what happened?
• 11:16
  Speaker 9: So she sends me a what'sapp asking for some money.
• 11:20
  Speaker 9: She ran short because some guy approached her saying that
• 11:24
  Speaker 9: from Rest Bank and they're here to repossess the car.
• 11:28
  Speaker 1: And were they.
• 11:30
  Speaker 9: No, they couldn't because she explained that I have not
• 11:34
  Speaker 9: missed any payment. So she had prior made an arrangement
• 11:38
  Speaker 9: for some arias, so she had to pay arrears and
• 11:42
  Speaker 9: separately the cor installment. So I think she only missed
• 11:46
  Speaker 9: one payment of the arrears, but she kept up with
• 11:49
  Speaker 9: the car payments, so it didn't make sense to her.
• 11:52
  Speaker 9: So this guy said, okay, pay eleven thousand so that
• 11:55
  Speaker 9: I don't have to take the car. She said, I
• 11:57
  Speaker 9: don't have that kind of money. I can probably only
• 12:00
  Speaker 9: pay one thousand, and they said, okay, fine, and then
• 12:03
  Speaker 9: just go to your bank and make sure the arrangement.
• 12:06
  Speaker 9: That's how I got to find out about this.
• 12:08
  Speaker 2: And did you guys do the research with west Bank?
• 12:10
  Speaker 2: Were these guys from west Bank? Or was it this
• 12:12
  Speaker 2: elaborate scam that's clearly making the rounds.
• 12:15
  Speaker 9: It must be a scam because I told her, look,
• 12:17
  Speaker 9: go back to the bank, because she said, nobody had
• 12:19
  Speaker 9: called me warning me that I'm that far behind for
• 12:23
  Speaker 9: you to get to a position and exactly and which
• 12:28
  Speaker 9: area was this in in so she stays in soo.
• 12:34
  Speaker 2: Okay, SHEMI thank you for this call, because now this
• 12:37
  Speaker 2: is now. I mean, the first story that we used
• 12:40
  Speaker 2: to to have this conversation is one story, but now
• 12:43
  Speaker 2: more people are saying it's happening, it's a reality.
• 12:45
  Speaker 7: But then this is this is part of like scams
• 12:47
  Speaker 7: in general. They find out that you own and you
• 12:49
  Speaker 7: missed one payment. They're in there some way inside. Somebody
• 12:53
  Speaker 7: tips off somebody that this person owes money, so they
• 12:55
  Speaker 7: know to come to you. Because if somebody came to
• 12:57
  Speaker 7: me and said I'm repossessing.
• 12:58
  Speaker 2: Your car, be like, dude, really mus keep the payment, right,
• 13:01
  Speaker 2: so I would be like.
• 13:02
  Speaker 7: That's not true. But somewhere along the line, somebody got
• 13:04
  Speaker 7: win that she owes money. Do you know what I'm saying?
• 13:06
  Speaker 7: And so obviously now the scammer is free like to
• 13:10
  Speaker 7: come and say, okay, well it will makes sense for you.
• 13:11
  Speaker 2: Because you as well, you're like, okay, well take it
• 13:15
  Speaker 2: and then I'll speak to the bank. And that's not
• 13:17
  Speaker 2: the case, you know, decline. The bank will never just
• 13:19
  Speaker 2: be like we're taking your car.
• 13:21
  Speaker 1: No, you would have known beforehand calls, emails, whatsapped.
• 13:25
  Speaker 2: Taran you and Randburg as well, good morning.
• 13:29
  Speaker 1: Third morning right.
• 13:31
  Speaker 11: So I don't agree with Deaclin. There are cameras situated
• 13:36
  Speaker 11: around joe Burgh that alerts these companies when you're outstanding money.
• 13:43
  Speaker 11: So once outstanding a certain amount of money on your car,
• 13:48
  Speaker 11: the camera.
• 13:48
  Speaker 1: Picks you up.
• 13:49
  Speaker 11: So they say, for instance, you're stopping off at almost
• 13:51
  Speaker 11: they pick up, they trace your car, that your car
• 13:53
  Speaker 11: is situated today, and then they send.
• 13:55
  Speaker 9: These dec collectors out.
• 13:57
  Speaker 11: The dead colictor then comes and says you're owing this
• 14:00
  Speaker 11: money and says to you, okay, you need to make
• 14:03
  Speaker 11: payment off voluntarily. You need to hand your car over.
• 14:08
  Speaker 5: To this bank.
• 14:09
  Speaker 11: And hand your car over.
• 14:11
  Speaker 2: Okay, how do you know this for sure?
• 14:14
  Speaker 11: Nearly of course, because it happened to me. So the
• 14:17
  Speaker 11: first time my car was reposssed, and I followed through
• 14:20
  Speaker 11: with the whole process and I handed my car over.
• 14:23
  Speaker 9: Then I got tired of it.
• 14:25
  Speaker 11: I got another car actually, and it happened again. I
• 14:28
  Speaker 11: missed I think three installments and I was making payment
• 14:31
  Speaker 11: on the car and then they picked up that my
• 14:35
  Speaker 11: car was on it was in a certain area. Once
• 14:41
  Speaker 11: those guys came through and I did my research about them,
• 14:44
  Speaker 11: I said to them that I'm not willing planned over
• 14:46
  Speaker 11: my car. They need to take me to courte and
• 14:48
  Speaker 11: come with a sheriff. They never ever pitched with the sheriff.
• 14:51
  Speaker 11: It's too much of a process for wesident to actually
• 14:53
  Speaker 11: follow through with the sheriff. So I need to go
• 14:56
  Speaker 11: to courte and I need to get the court order.
• 14:59
  Speaker 11: And so after that, no one ever bothered me. So
• 15:02
  Speaker 11: every time they do try, if you do miss attainment,
• 15:05
  Speaker 11: you just need to tell them to come.
• 15:06
  Speaker 1: With the shade of and the shade of neigh and
• 15:09
  Speaker 1: get a court order. But I mean decline was saying
• 15:11
  Speaker 1: it needs to be.
• 15:13
  Speaker 5: But also dealing with an experienced repossessing.
• 15:16
  Speaker 1: Yeah, so tearin how many times in title just to.
• 15:25
  Speaker 11: Allow to happen again.
• 15:26
  Speaker 12: The thing is that life happen, guys.
• 15:28
  Speaker 2: This is true. Do you ever call right now as
• 15:31
  Speaker 2: we speak, I do ever, and things are going well?
• 15:35
  Speaker 1: There is it paid off.
• 15:38
  Speaker 11: It's almost luckily Okay, well done.
• 15:42
  Speaker 2: Okay, thank you for this call. You've let us, You've
• 15:44
  Speaker 2: opened another window that we didn't know exist as well.
• 15:47
  Speaker 5: She's almost qualified to train the repossess.
• 15:50
  Speaker 2: Was the mother said she was. Actually she must go
• 15:52
  Speaker 2: and work for the people get the car. She's like, oh,
• 15:54
  Speaker 2: I know this, I know this true. She's gonna go
• 15:56
  Speaker 2: into this mall to try and hide. I've done that before.
• 16:01
  Speaker 2: You have to send a thief to catch a thief.
• 16:06
  Speaker 2: There ain't no shame in it, guys. Things happen in life.
• 16:09
  Speaker 2: There's upstairs, downs, there's lifts, there's rights. But the thing
• 16:12
  Speaker 2: is when something that is normal and and can happen
• 16:16
  Speaker 2: to any one of us is used for darkness and
• 16:19
  Speaker 2: is used for a scam. This is where we get
• 16:21
  Speaker 2: involved so that we can let as many of you
• 16:23
  Speaker 2: know that in the event your car is going to
• 16:27
  Speaker 2: get repossessed. They're just some things that wouldn't happen. And
• 16:30
  Speaker 2: what happens is now, like the story that came out
• 16:33
  Speaker 2: last earlier on this week, this lady gets chased by
• 16:36
  Speaker 2: a guy we're representing your cars. You panic, you don't
• 16:39
  Speaker 2: know what's going on.
• 16:40
  Speaker 1: Yeah, you're not ready, right.
• 16:41
  Speaker 2: Especially if you have missed the payment or two. But
• 16:44
  Speaker 2: the truth of mitter is Declan Jones from Westbank said,
• 16:46
  Speaker 2: there is a lot of communication with you.
• 16:49
  Speaker 1: There's a long process.
• 16:50
  Speaker 2: There's just a long process before they come and fetch
• 16:52
  Speaker 2: your car. And even when they do, it has to
• 16:54
  Speaker 2: be done in a specific way. It can't be violent,
• 16:56
  Speaker 2: it can't be abrasive, it can't be brash and all
• 16:59
  Speaker 2: of that. And this is what was happening to this lady.
• 17:01
  Speaker 2: And much like the lady who just called us now
• 17:03
  Speaker 2: saying that her niece went through the same thing three
• 17:05
  Speaker 2: days ago.
• 17:07
  Speaker 3: Yeah, and I think the important thing is Decline was saying,
• 17:09
  Speaker 3: please check the credentials of the person.
• 17:11
  Speaker 2: It must be a sheriff.
• 17:14
  Speaker 3: Usually it as attached with a court ordered, not random.
• 17:17
  Speaker 3: You know what I'm saying.
• 17:18
  Speaker 2: When they don't have those two things, regardless of how
• 17:20
  Speaker 2: many payments you've skipped, exactly, it's a lie, it's a lie.
• 17:24
  Speaker 13: And then the team So, yes, Michael got repossessed twenty eighteen.
• 17:29
  Speaker 13: It was the twenty IBMWM spot. I was working for
• 17:33
  Speaker 13: mine and payments were not salaries were not very consistent.
• 17:37
  Speaker 2: So yeah, so they reached out to me.
• 17:39
  Speaker 13: I was at a mall there, I was being the girl,
• 17:42
  Speaker 13: having my breakfast at Wimpy And next thing I get
• 17:46
  Speaker 13: a call high, we are in front of your car.
• 17:48
  Speaker 13: We're from Westbank and yeah, they got me in, showed
• 17:51
  Speaker 13: me details on a computer screen and that was it.
• 17:54
  Speaker 8: Hey, my ancle Now so I don't know how long
• 17:58
  Speaker 8: we took the banks get that. And then they're still
• 18:01
  Speaker 8: struggling to get the bike. Like when they started, this
• 18:05
  Speaker 8: guy used to send used to change numbers week every week,
• 18:09
  Speaker 8: your number. It made sense, But they took the car.
• 18:13
  Speaker 3: You can't out run these things. And I think that's
• 18:15
  Speaker 3: the other conversation. Smaller the process, deal with what your issues.
• 18:19
  Speaker 1: You can't have. You can't run to the Eastern Cave.
• 18:21
  Speaker 1: Now go and hide the car. What are you going
• 18:22
  Speaker 1: to do then?
• 18:23
  Speaker 2: And they went to the Eastern Cave to his mother's
• 18:25
  Speaker 2: house and be like, my guy, just bring the push.
• 18:28
  Speaker 1: You know how far we had to travel.
• 18:29
  Speaker 2: Now, oh so why are you in a poschka? Then
• 18:31
  Speaker 2: if you're not going to pay it, like go lower ni.
• 18:34
  Speaker 1: Yeah.
• 18:35
  Speaker 2: Began to Rochelle you in Victoria, good morning.
• 18:39
  Speaker 12: Good morning, and Eliza Club, how are you great, Rochelle,
• 18:42
  Speaker 12: how are you good?
• 18:43
  Speaker 8: Good?
• 18:44
  Speaker 9: Yeah.
• 18:45
  Speaker 12: So twenty twenty two I had my car repossessed. It
• 18:48
  Speaker 12: was an extremely scary experience the bank. Definitely, the process
• 18:55
  Speaker 12: is long. The batters about your COVID was twenty twenty
• 18:58
  Speaker 12: in one, it's not already started. And then I lost
• 19:00
  Speaker 12: my business, I was retrained, etc. And it took about
• 19:03
  Speaker 12: a year, maybe even two before the bank then issued
• 19:08
  Speaker 12: the warrant of execution. But what happens is is the
• 19:12
  Speaker 12: sheriff of the court, once they've got the warrant of execution,
• 19:15
  Speaker 12: the sheriff of the court makes contact with the clients.
• 19:18
  Speaker 12: Is what they did with me, and they then tell
• 19:21
  Speaker 12: you do not surrender their vehicle to anybody. So that
• 19:26
  Speaker 12: happened to me. The address that was registered at the
• 19:29
  Speaker 12: time of my vehicle was my mother's address. Fortunely, she
• 19:31
  Speaker 12: lived in a complex and once I think it was
• 19:34
  Speaker 12: a Saturday, they fow my mom phone and said these
• 19:37
  Speaker 12: people at the gates. They want to take your car,
• 19:39
  Speaker 12: and I'd already moved to Victoria. And yeah, they bullied
• 19:44
  Speaker 12: her for about two hours. They were constantly they were
• 19:47
  Speaker 12: phoning her. They phoned me. They said they're going to
• 19:49
  Speaker 12: get the police, to.
• 19:51
  Speaker 2: Get the police.
• 19:52
  Speaker 12: That's what I said to them. So they were going
• 19:54
  Speaker 12: to get the police to come and break into the complex,
• 19:56
  Speaker 12: to break into her home to see that the vehicle
• 19:59
  Speaker 12: actually wasn't there. And I said the well, then go
• 20:01
  Speaker 12: and fetch the police because I'm not there. And then
• 20:04
  Speaker 12: they said they wanted the address of where I was
• 20:06
  Speaker 12: that they could come and see, and I said them,
• 20:08
  Speaker 12: I'm not giving you the address. If you know where
• 20:09
  Speaker 12: I am, come and find me. And in that time,
• 20:13
  Speaker 12: I'd phoned the sheriff of the court, who I've been
• 20:16
  Speaker 12: dealing with, and he said to me, whatever you do,
• 20:18
  Speaker 12: don't surrender, because that's exactly what they do. These trasing
• 20:21
  Speaker 12: companies bully people, and out of fear, they surrendered their vehicles.
• 20:26
  Speaker 12: And what happens with that is those people take the car,
• 20:28
  Speaker 12: that eat and you never hear from them again. So
• 20:31
  Speaker 12: what happens is you then continually pay those three you know,
• 20:35
  Speaker 12: you pay the bank, don't have a car, yes, and
• 20:38
  Speaker 12: the bank doesn't know where the vehicle is because you've
• 20:40
  Speaker 12: now surrendered it to somebody who you think is from
• 20:43
  Speaker 12: the bank. So my case, the sheriff made an appointment,
• 20:46
  Speaker 12: came to my home where the vehicle was produced, all
• 20:50
  Speaker 12: the PaperWorks, the warrant of execution that I had a
• 20:53
  Speaker 12: copy of his documentation. They came with a flatbed because
• 20:57
  Speaker 12: they are not allowed to drive your vehicle.
• 20:59
  Speaker 1: Yeah, exactly here.
• 21:00
  Speaker 12: After they had a meeting with me, explained everything I found,
• 21:04
  Speaker 12: a document, surrendered the car. They took photos of the vehicle,
• 21:07
  Speaker 12: the odometer, the petrol, the spare wwell everything. They sent
• 21:11
  Speaker 12: me copies of those photos. They then sent the car
• 21:14
  Speaker 12: to auction. Once the car was auctioned, the bank then
• 21:18
  Speaker 12: phoned then said this is what we've managed to sell
• 21:20
  Speaker 12: the car for. This is what your short ford is,
• 21:23
  Speaker 12: and then you make arrangements on the short ford is
• 21:26
  Speaker 12: that concept of the car in full of the outstanding,
• 21:28
  Speaker 12: and then you pay the bank the short fall in politician,
• 21:32
  Speaker 12: but that is how it works. As bad as it is, Yes,
• 21:35
  Speaker 12: I have a judgment against my name, but at the
• 21:37
  Speaker 12: end of the day, it was done correctly and people
• 21:40
  Speaker 12: out of fear, especially if you have children. In markets
• 21:42
  Speaker 12: I have kids, people just surrender their vehicles and the
• 21:46
  Speaker 12: car disappears, and then you sit with us installments of
• 21:50
  Speaker 12: ten thousand rand. It still has to pay because the
• 21:52
  Speaker 12: bank doesn't know where your car is. That you don't
• 21:54
  Speaker 12: know who the people.
• 21:54
  Speaker 11: Are it took your car.
• 21:56
  Speaker 2: Sure, Rachelle, thank you so much for this call. Thank
• 22:00
  Speaker 2: you so much for this call. Because another thing that
• 22:02
  Speaker 2: I didn't know is that they're not allowed to drive
• 22:03
  Speaker 2: your car. They must bring a flatbed. So that would
• 22:05
  Speaker 2: be the first that would be the first sign that
• 22:09
  Speaker 2: this is a red flag, Like, where's the flatbed?
• 22:11
  Speaker 12: You guys are just if they if they get into
• 22:14
  Speaker 12: an accident, you are then held liable.
• 22:17
  Speaker 1: Exactly, that's the tricky thing. Exactly that correct.
• 22:19
  Speaker 3: If they're driving your car they bump it, that's still
• 22:22
  Speaker 3: your problems, not their problem.
• 22:23
  Speaker 12: Correct. And then the vehicle is not in your possessions.
• 22:27
  Speaker 12: How do you claim from insurance?
• 22:29
  Speaker 1: Yeah, and someone else is driving your car? Not our problem, Chelle,
• 22:33
  Speaker 1: but the share of your doubt. That sounds like a
• 22:35
  Speaker 1: very nice was it?
• 22:37
  Speaker 12: The man he was an amazing It was an amazing gentleman.
• 22:40
  Speaker 12: I think he was from obviously I'm in a Preatoria district,
• 22:42
  Speaker 12: so they moved my file from Janasburg to Victoria. And
• 22:45
  Speaker 12: I was in communication with him. I could watch at
• 22:48
  Speaker 12: him at any time of an art, I could phone him.
• 22:50
  Speaker 12: Because these people continued. It was phone called and phone called,
• 22:54
  Speaker 12: and I mean at some point I told him I
• 22:57
  Speaker 12: was in my futage, which I wasn't, and they think
• 22:58
  Speaker 12: we'll invest the address you And I was like, what is.
• 23:01
  Speaker 11: Wrong with these people?
• 23:02
  Speaker 12: But that's what they do. People like that lady that
• 23:04
  Speaker 12: say to watch that voice like you say she was
• 23:06
  Speaker 12: at a mall. People just surrender out of absolute fear
• 23:10
  Speaker 12: of oh my goodness, this is happening now. But there's
• 23:13
  Speaker 12: proper processes. And you say, you know, the banks deal
• 23:16
  Speaker 12: with with proper people. You know what I mean, these
• 23:19
  Speaker 12: tricking companies. I think it's much like they sell your
• 23:22
  Speaker 12: phone numbers insurance companies when you buy a new car.
• 23:25
  Speaker 12: I think it's the.
• 23:26
  Speaker 2: Same all third parties, all third parties. The banks have
• 23:29
  Speaker 2: always got a process. They've got systems and processes that
• 23:33
  Speaker 2: are you know, actually kind, because like Declan was saying, guys,
• 23:36
  Speaker 2: we want you to keep your car.
• 23:37
  Speaker 1: No, we want to try everything until you can't, and
• 23:39
  Speaker 1: when we can't, we'll make a plan.
• 23:40
  Speaker 2: We'll make a plan and this and Rochelle is showing
• 23:42
  Speaker 2: that it's the dead collectors that are not the bank
• 23:46
  Speaker 2: don't even know who they are because they just hired
• 23:48
  Speaker 2: a company to do it. Conrad, we're going to wrap
• 23:51
  Speaker 2: it up with you. You're in sant and you said
• 23:52
  Speaker 2: you've worked for a bank before and you did that job.
• 23:56
  Speaker 10: Yes, and it wasn't a nice job because you deal
• 24:00
  Speaker 10: with people, you deal with people's emotions. And look like
• 24:03
  Speaker 10: Rochelle had all the experience with the bank and all
• 24:07
  Speaker 10: the processes and what she said is all correct.
• 24:11
  Speaker 2: What else hooever, yes, however, yes, good.
• 24:13
  Speaker 10: However, there is another process where she was talking about
• 24:19
  Speaker 10: taking a car and having the auctions and all of that.
• 24:22
  Speaker 10: The car needs to be evaluated because they if you
• 24:26
  Speaker 10: own a one hundred thousand brand, they can't go and
• 24:28
  Speaker 10: tell your car for ten thousand brand exactly, yeah, and
• 24:31
  Speaker 10: then say right, you must pay ninety. Thus, because you
• 24:33
  Speaker 10: are liable, you signed the contract, so it has to
• 24:36
  Speaker 10: be evaluated by an approved evaluator. So it's related to
• 24:42
  Speaker 10: market value, so they can get more because sometimes you
• 24:45
  Speaker 10: owe the bank twenty thousand and you're riding a three
• 24:47
  Speaker 10: hundred thousand brand car and they still make you pay
• 24:51
  Speaker 10: a difference. However, the processes that needs to be followed
• 24:55
  Speaker 10: is always in the instance, in the interest of the consumer.
• 24:59
  Speaker 10: We must remember that you act in it. We're all real.
• 25:02
  Speaker 10: We normal. You listen to people. People like you say
• 25:05
  Speaker 10: it's life, but then when people start running away from you,
• 25:10
  Speaker 10: the bank gets tired. You get make me a promise.
• 25:13
  Speaker 10: I listen for one month, I listen for two months.
• 25:15
  Speaker 10: After the third month, I've got to start processes of
• 25:18
  Speaker 10: handing over to legal. I've got to in order for
• 25:22
  Speaker 10: me to get a court order. The process is genious.
• 25:25
  Speaker 10: I've got to send you a letter of demand. I've
• 25:28
  Speaker 10: got to make sure that you received that. I've got
• 25:31
  Speaker 10: to have proof that you received the warning that I
• 25:34
  Speaker 10: gave you Before I go to court. The court wants
• 25:36
  Speaker 10: to ask, did you try everything to get this person
• 25:42
  Speaker 10: to pay before we give you a court order? That
• 25:44
  Speaker 10: what ought to exit your infant?
• 25:46
  Speaker 5: They don't.
• 25:47
  Speaker 10: Otherwise every second customer would we get in the court order.
• 25:51
  Speaker 10: But it's an expensive process because you hand over to
• 25:54
  Speaker 10: legal and all those costs going to the customer account.
• 25:58
  Speaker 4: Exactly the customer needs.
• 25:59
  Speaker 10: To be away of.
• 26:01
  Speaker 1: I mean, that's the point, Conrad, is that once again
• 26:04
  Speaker 1: the bank's going to try and help you.
• 26:05
  Speaker 3: To help yourself. Just follow that process right, stick with it.
• 26:09
  Speaker 3: There's no point in running. You're gonna end up with
• 26:11
  Speaker 3: this thing anyway. You can make your life difficult, but
• 26:13
  Speaker 3: you hear now what the process is. It's actually quite
• 26:16
  Speaker 3: a long things.
• 26:17
  Speaker 2: And if there is no court order and there is
• 26:20
  Speaker 2: no sheriff that has been communicating
• 26:22
  Speaker 1: With you, yes, do not give over your vehicle.