ShabeerSA PDF

Date Type of Communication Addressed to Addressed to Company Email Summary Supporting File Name
5-Jul-19 Email Sanet Maritz Cars Direct Absa contract signed online SSA_1.pdf
A copy of the Absa Vehicle
5-Jul-19 Online Contract Proof Absa Bank Contract SSA_2.pdf
7-Jul-19 Email Urban Cars Direct Proof of Payment (deposit) SSA_3.pdf

Standard Bank Recipt for
7-Jul-19 Proof of Deposit Deposit SSA_4.pdf
In writing and telephonic to
16-Jul-19 Email Lean Senekal Cars Direct & Absa Bank cancel the Vehicle SSA_5.pdf
Mention to Lean, replace my
25-Jul-19 Email Lean Senekal Cars Direct vehicle to hyundai Creta SSA_6.pdf
Cars direct delay the process
30-Jul-19 Email Lean Senekal Cars Direct to start with the Creta SSA_7.pdf
Following up with Cars Direct
1-Aug-19 Email as cars
Lean Senekal Cars Direct, Absa bank, Hyundai direct keep on giving
Pinetown SSA_8.pdf
Cars Direct asked me to
1-Aug-19 Email Urban Cars Direct reapply for Creta Finance SSA_9.pdf
Following up with Cars Direct,
2-Aug-19 Email Lean & Urban Cars Direct as I wanting a resolution from SSA_10.pdf
Giving Cars Direct final chance
2-Aug-19 Email Lean Senekal Cars Direct & Absa Bank to resolve with a deadline SSA_11.pdf
No Email, Phone calls from
5-Aug-19 Cars Direct
Shabeer
From: Shabeer <shabeer@blueberrytech.co.za>

Sent: Friday, July 05, 2019 8:20 AM
To: Sanet Maritz
Cc: urban@carsdirect.co.za
Subject: Re: Absa Durban - Shabeer
Attachments: CreditApplication.pdf; EContractDetails.pdf; NCR.pdf
Hi Sanet
Absa contract signed online, kindly find supporting documents attached
Kindly make arrangement for monday 08th july 2019 at the ABSA La lucia branch. (between 12:30 or
2pm my lunch time)
Regards
Shabeer
On 2019-07-04 15:49, Sanet Maritz wrote:
Good afternoon
I did send you the pin for online signing.
You can go to your browser to www.Absa..co.za
 Banking for individuals

 Borrow tab
 A Car tab
 Scroll down to econtract
Follow the steps
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Thank you

Sent: 03 July 2019 22:20
To: Sanet Maritz <sanet@carsdirect.co.za>
Hi Sanet
Unfortunately tomorrow I will not be able to visit the Absa branch, I am working off site at a client for
the next 1 & half days.
Can you kindly arrange for Monday 08th July 2019 at the Absa LA Lucia branch as discussed around
lunch time.
At the same time on Monday morning, I will do the deposit transfer.
Everything still remains the same and by Monday we can have a closure
Regards
Shabeer
On Wed, Jul 3, 2019 at 4:12 PM +0200, "Sanet Maritz" <sanet@carsdirect.co.za> wrote:
Thank you sir
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They are closed now. I will let you know tomorrow morning who is the contact person at the bank.
Please take original Id document, spouse id document and your drivers license to the bank tomorrow.
See attached document your spouse can sign tonight. I did mark with # where she can sign.
Thank you

Sent: 03 July 2019 15:51
Subject: Re: Absa Durban
Yes that the correct in armstrong
Good day
Please confirm which Absa bank the one is in La Lucia?
The one in La Lucia mall or the one in 43 Armstrong Avenue?
3
--
Regards
Shabeer
0827525336 | shabeer@blueberrytech.co.za
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Instalment Sale Quotation and Agreement
Intermediate and Large Credit Agreements regulated by the National
Credit Act 34 of 2005 (“the NCA”)
Confidential
Tax invoice
Date 2 0 1 9 0 7 0 2
Quotation number 00092593628
Credit Provider Absa Bank Limited (NCRCP7)

Contact number 0860 669 669
Physical Address 7th Floor Absa Towers West 15 Troye Street Johannesburg 2001
Registration number 1986/004794/06 VAT number 4940112230
Name of client SHABEER SHAIK ABDURAHAMAN
Contact telephone number 031 2092747 / 0827525336
Physical (street) address 56 OAKLEIGH MANORS 90 OAKLEIGH DRIVE

BEREA
DURBAN 4001
ID/Registration number 8 2 1 1 0 7 5 0 2 1 0 8 4
VAT number -
Asset
• Asset description 19 HAVAL H2 1.5T CITY A/T
• Make HAVAL • Year of first registration 2019

•
1805075724 /
• Model H2 1.5T CITY A/T • Engine no/Chassis no
LGWEE4A40KH901672
All amounts are inclusive of VAT (if applicable)
Loan amount advanced
• Purchase price of Asset
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R 300000.01
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• Initiation fee (charged upfront) R 0.00

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• *Total of additional fees below R 15000.00

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• Less deposit required

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R 50000.00
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• Loan R 266207.51
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• Initiation fee (paid upfront)

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R 1207.50
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Additional fees
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• Service and delivery R 8100.00

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• Licence and registration R 6900.00

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• Mechanical breakdown warranty R 0.00
• Tyre and rim warranty R 0.0

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• Initial fuelling charges R 0.00
• Scratch and dents warranty R 0.00
Absa Bank Limited Reg No 1986/004794/06

Authorised Financial Services Provider Registered Credit Provider Reg No NCRCP7 Absa 4656 EX (22/10/2018)
* Total of additional fees R 15000.00
Monthly insurance (if applicable)
• Asset insurance R 0.00
• Asset insurance extended cover (optional) R 0.00
• Credit protection insurance (optional) R 0.00
Total insurance R 0.00

• Amount of fee/commission/remuneration/benefit which we will receive in relation
to insurance R 0.00
• Monthly service fee R 69.00

Interest rate (Reference Rate is our ‘Prime’ rate from time to time)
• Annual interest rate (variable) 12.0 % (10.25 % being the Reference Rate + 1.75 %)
Monthly Instalment [including service fee(s) and interest] R 4363.46
Premium(s) for insurance (if applicable) R 0.00
Total instalment R 4363.46

Residual value/Final payment (where applicable) payable as the
R 105000.00
last instalment
Repayment arrangements
• Method of payment Debit Order
• Number of instalments 71
• Date of first instalment 2 0 1 9 0 9 0 1
• Date of last instalment 2 0 2 5 0 8 0 1
Security No security is required.

Important: Please consider the total cost of credit and credit cost multiple set out below.
Total cost of credit, consisting of R 414805.66
• Principal debt (value of Asset less any deposit paid) R 250000.01
• Interest (aggregated) R 143699.15
• Initiation fee R 1207.50
• Licence and registration R 6900.00
• Monthly service fee (aggregated) R 4899.00
• Total insurance (aggregated) R 0.00

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• Mechanical breakdown warranty R 0.00

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• Tyre and rim warranty R 0.0

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•
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Scratch and dents warranty R 0.00

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Aggregated values are calculated according to the term of the Loan.

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Aggregated interest, fees and insurance are calculated on an assumption that the interest rate, fees and premium stay the same.
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Credit cost multiple (this means total cost of credit divided by the principal debt). 1.66
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Signed at on
Signature on your behalf ID/Reg number of Signatory
Signature of Witness ID/Reg number of Witness
Signed at on
Signature on behalf of Absa Bank Limited Employee number
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1 How our Instalment Sale works
This Instalment Sale Agreement between us, Absa Bank Limited and you, allows you to purchase the Asset using the Loan which you repay by
regular instalments over an agreed period, with fees and interest.
2 Quotation and Agreement
This Quotation and Agreement:
• sets out our terms;
• is open for you to accept for 5 (five) business days; and
• is the agreement between us if you accept.
In these terms we refer to:
• this Quotation and Agreement as this “Agreement”;
• the money that we lend you as the “Loan”;
• the asset purchased with the Loan as the “Asset”;
• the supplier of the Asset to you as the “Supplier”; and
• a juristic person under the National Credit Act 34 of 2005 (“NCA”) as an “NCA juristic person”.
3 Ownership
Under this Agreement:
• the Asset purchased with the Loan belongs to us until you have paid all your financial obligations;
• provided you are not in default, you are entitled to possession and use of the Asset; and
• when you have paid all your financial obligations we will transfer ownership of the Asset to you.
4 Delivery and acceptance

Before you accept delivery of the Asset from the Supplier you will check that it is:
• what you want or ordered;
• fit for the purpose for which you intend to use it; and
• in good working order.
We will pay for the Asset when you have accepted it and ownership will pass to us.
Any claims or potential claims that you may have in relation to the Asset including but not limited to claims for:
• defects;
• incompleteness;
• fitness for purpose; or
• late delivery or non-delivery,
are for you to pursue against the Supplier and we shall have no liability whatsoever.
5 The Asset
Throughout the period of this Agreement you will:
• keep the Asset in your possession and under your control and maintain it in good working order and condition;
• comply with any warranty or guarantee requirements of the Supplier or manufacturer of the Asset;
• at your cost, hold, maintain and comply with any licences, permits or registrations that you need to lawfully possess and use the Asset;
• not allow an unqualified or unlicensed person to use the Asset;
• not take the Asset out of South Africa without our prior written permission;
• not sell or transfer the Asset to any other person without our prior written permission;
• inform us immediately in writing of any change of address where the Asset is usually kept and the name and address of any person who
has use of the Asset;
• not use or allow the Asset to be used for any purpose for which it is not designed, for any illegal purpose, in any manner which may
invalidate any claim under an insurance policy, to transport people or goods as part of a business or commercial enterprise, for any form
of motor sport or other dangerous activity;
• make sure that no other person obtains any rights over the Asset and that the Asset is not attached through a court order;
• not make changes to the Asset without our prior written permission;
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• allow us a reasonable opportunity to inspect and value the Asset from time to time;
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• allow us to affix to the Asset a tag or mark identifying that the Asset belongs to us, which you agree not to tamper with or remove; and
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• not to build the Asset into a physical structure, machinery, vehicle or other installation, without our prior written permission.
Replacement parts installed as a result of repair and maintenance of the Asset form part of the Asset and belong to us (whether or not they
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can be or are removed from the Asset).

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If we agree that you can make changes to the Asset, parts added or substituted form part of the Asset and belong to us. Serviceable parts
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removed and their sale proceeds belong to us unless we relinquish our claim to them by written notice to you.
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6 Asset insurance
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You will:
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• insure the Asset under a comprehensive insurance policy with a reputable insurance company acceptable to us for all risks normally
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covered in a comprehensive insurance policy for the replacement value of the Asset;
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• ensure that we are noted on your insurance policy as first loss payee;
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• produce to us when required your insurance policy, confirmation from the insurer that our interest as first loss payee has been noted
and confirmation that the premiums are paid up to date; and
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• notify us of any event likely to result in a claim under your insurance policy.
If you do not pay your insurance premiums, we shall be entitled to pay them. If your insurance policy lapses you agree to tell us straight away
and if you fail to re-instate your insurance policy or take out an alternative policy of your own choice, having been advised to do so, then you
appoint us as your agent to select an insurer and to pay the premiums on your behalf. We shall be entitled to add the premiums to your Loan
and to adjust your instalment so that you repay your Loan by the date of the last instalment.
In the event of the total loss or write-off of the Asset:
• we shall apply any salvage and insurance proceeds to repay the Loan and any other financial obligations that are due to us before paying
any balance to you; and
• refusal of an insurer to pay out all or part of an insurance claim or delay in making payment does not affect your financial obligations to
us under this Agreement.
7 Settlement of existing debt

If we require you to pay off a debt to a credit provider as a condition of your Loan and you are doing that by way of a trade-in or sale of a
financed asset, you must ensure that the debt is settled and provide us with proof within 21 (twenty one) business days from the date that
you signed this Agreement.
8 Security
If it is a condition of this Agreement that you provide security, it must be in place before you take delivery of the Asset.
9 Fees and costs
You agree to pay all fees and costs as stated in this Agreement. Unless you pay the initiation fee upfront, we will add it to your Loan and
include it in your instalment.
10 Monthly service fee
Your monthly service fee applies from the month that you take delivery of the Asset. If your first instalment date is more than 30 (thirty) days
after you take delivery of the Asset the first monthly service fee (calculated from the date you take delivery of the Asset to the date you pay
the first instalment) will be added to your first instalment.
We can change your monthly service fee by notifying you in writing at least 5 (five) business days before the change takes effect.
11 Interest
You agree to pay interest as stated in this Agreement.
We will charge you interest on the balance outstanding on your Loan which is calculated daily and debited monthly, quarterly or annually
depending on the frequency of your instalment.
If the interest rate on your Loan is variable, it will change as our Reference Rate changes.
Our Reference Rate is our published base annual percentage interest rate for lending, which varies from time to time and is also known as our
‘Prime’ rate.
We will notify you in writing of a change in our Prime rate within 30 (thirty) business days after the change and of any adjustment of your
instalment amount.
12 Instalments
You agree to repay your Loan monthly/quarterly/bi-annually/annually, as indicated in this Agreement, the first payment being due on the
Date of first instalment.
If we agree, you can skip an instalment. You still have to pay the monthly service fee for that month.
We will adjust the amount of the remaining instalments to pay the skipped instalment, with interest.
If we need to change the date of your instalment, we will notify you at least 5 (five) business days before the date upon which the change
will occur.
13 Pre-payments and your right to end this Agreement early
At any time you can pre-pay amounts due under your Loan. If you make a prepayment we will recalculate and reduce your instalments over
the remaining term of this Agreement unless you tell us in writing that you want to maintain the amount of your instalment.
If you want to pay off the whole outstanding balance you must inform us and we will give you a statement telling you how much you owe on
the date that you intend to pay.
If your Loan is a “large credit agreement” as defined in the NCA, we are entitled to charge an early settlement fee if you want to end this
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Agreement up to the maximum amount allowed under the NCA.

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If you entered into this Agreement at any location other than our premises, you may end this Agreement within 5 (five) business days after
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the date you entered this Agreement by:

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• delivering the required notice to us;

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• returning the Asset to us; and

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• paying us any costs of having the Asset returned and restored to a saleable condition and a reasonable rental for the use of the Asset
during the time that it was in your possession,
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and we will refund to you any amounts you have paid under this Agreement.
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14 Giving up the Asset

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If you decide to give up the Asset and end this Agreement early e.g. because you are in default or no longer able to pay your instalments, you
must deliver a written notice to us (“Termination Notice”) and return the Asset to us within 5 (five) business days after the date of your
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Termination Notice.
We will, within 10 (ten) business days after receiving the Asset and whether or not you have sent us a Termination Notice, inform you in
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writing of the estimated value of the Asset and other information which we must give you in terms of the NCA. Within 10 (ten) business days
after receipt of the estimated value, you may (unless you are in default under this Agreement) withdraw your Termination Notice and take the
Asset back.
If you do not withdraw your Termination Notice and take the Asset back or you are in default, we will sell the Asset as soon as is practically
possible for the best price that we can reasonably obtain. Then we will give you a written notice stating:
• the settlement balance of your Loan immediately before the sale;
• the total amount we got from the sale;
• the net amount we got from the sale after we deducted permitted default charges, if applicable;
• our costs of selling the Asset; and
• the amount credited or debited to your Loan.
If the amount credited to your Loan is less than the settlement amount of your Loan, we may demand in the notice sent to you, the remaining
balance. If you do not pay any amount we demand within 10 (ten) business days after receipt of our notice, we may issue legal proceedings
against you to recover the remaining balance. If you pay the remaining balance before we get a judgment against you, this Agreement will end
when we receive your payment. We will charge you interest on the remaining balance, from the date of demand until the date on which you
pay the demanded amount in full.
15 Default and consequences
You will be in default under the terms of this Agreement if you:
• do not pay an instalment in full by the instalment date (unless we have agreed that you can skip the instalment); or
• do not comply with any of your obligations under this Agreement,
and if you are an individual acting in your business capacity or a juristic person, you will also be in default under the terms of this Agreement
if you:
• are unable to pay your debts when due or you suspend making payment on any of your debts;
• have made a materially incorrect or false statement, representation or warranty to us in connection with this Agreement or otherwise in
regard to your financial affairs;
• commit an act of insolvency as defined in the Insolvency Act 24 of 1936;
• or a third party brings an application or other proceedings to have you sequestrated (if you are an individual) or liquidated, dissolved or
de-registered (if you are not an individual), or you pass a resolution to be liquidated, dissolved or de-registered (if you are not
an individual);
• are a company or close corporation and you receive a compliance notice from the Companies and Intellectual Property Commission
requesting you to cease carrying on business or trading;
• are a company and you begin business rescue proceedings or a third party starts business rescue proceedings against you; and/or
• are involved in litigation or in any other dispute, or in our opinion an event or series of events has occurred, which is/are reasonably
likely to have a material adverse effect on your ability to perform any of the obligations under this Agreement.
At any time before we end this Agreement, you may remedy a default by bringing your financial obligations up to date.
If you are in default, we will notify you in writing before we take enforcement action against you (a “Default Notice”) and allow you the
opportunity within 10 (ten) business days, to bring your financial obligations up to date, to seek the assistance of a debt counsellor (unless
you are an NCA juristic person) and to resolve any complaints or disputes.
We may, not less than 20 (twenty) business days after the date of your default and not less than 10 (ten) business days after we delivered the
Default Notice to you cancel this Agreement and issue legal proceedings against you to recover your debt (including repossessing the Asset)
under this Agreement.
If you are in default and a tracking device has been fitted to the Asset, we may activate the device to locate the Asset.
16 Debt counselling
If you are not an NCA juristic person and you are experiencing difficulty in meeting your obligations under this Agreement you have the right
to apply to a debt counsellor for a declaration that you are over-indebted and for re-arrangement of your financial obligations under this
Agreement. If you are already in default and we have sent you a Default Notice, you must apply for debt counselling within
10 (ten) business days of receiving your Default Notice.
If the debt counsellor determines that you are over-indebted the debt counsellor will propose a re-arrangement of your financial obligations.
If we agree to the proposal, your financial obligations under this Agreement will be re-arranged. If we do not agree to the proposal, the debt
counsellor will refer it to a Magistrates Court/the National Consumer Tribunal which may exercise its power to re-arrange your financial
obligations under this Agreement.
17 Collection costs
If you are not an NCA juristic person and you default under the terms of this Agreement, we are entitled to collection cost/commissions
as follows:
• for a Default Notice, the amount prescribed under the NCA;
• for work undertaken for us by registered debt collectors to recover your debt, amounts prescribed under the Debt Collectors
Act 114 of 1998; or
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• for enforcement action to recover your debt, amounts prescribed under the Magistrates Courts Act 32 of 1944 or the Superior Courts
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Act 10 of 2013.
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You agree that we are also entitled to recover from you the fees and commissions that attorneys charge us on the attorney-client basis:
• for collections work as prescribed under the Attorneys Act 53 of 1979; and
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• for legal proceedings to recover your debt, as determined by the court if not agreed.
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If you are an NCA juristic person and you default under the terms of this Agreement, you agree that we should be entitled to recover all
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collection costs, fees and commissions on an attorney-own-client basis, incurred by us in enforcing our rights under this Agreement.
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You agree that we may debit all collection costs, fees and commissions described in this paragraph to your Loan and they will be added to
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form part of the outstanding balance.

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18 VAT status
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You must inform us of any change to your status as a VAT vendor.

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19 Your contact details

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You agree always to provide to us:

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• your current residential address (and a PO Box number as your postal address if you do not want mail delivered to your
residential address);
• a functioning telephone number at which we can reach you; and
• a functioning email and cellphone number.
You agree that we may use any of the contact details that you have last provided to us for all legal purposes.
If you do not keep your contact details up to date and ensure any cellphone number or email address that you have provided to us is
functioning, you risk not receiving important communications from us that may affect your legal position.
20 Delivery of communications
You agree as follows:
• when we send items to you by post they are deemed to be delivered within 4 (four) days after the date of posting (the “Post Delivery
Period”) and when we send emails, SMSs, or other electronic messages, they are deemed to be delivered by the end of the day after we
send them (the “Electronic Communication Delivery Period”), unless you can on reasonable grounds show otherwise.
• If
you say that you did not receive a communication from us or received it later than the Post Delivery Period in the case of an item sent by
post, or the Electronic Communication Delivery Period in the case of an email, SMS, or other electronic communication and you cannot
show on reasonable grounds that you kept your contact details up to date and ensured any cellphone number or email address that you
have provided to us was functioning at the relevant time,
• Then
where this Agreement provides for us to notify you of something in writing that takes effect on delivery of the notification, or when a
period has elapsed after delivery of the notification, the notification will take effect in accordance with the Post Delivery Period or the
Electronic Communication Delivery Period, as applicable.
21 Account statements
We will send you account statements to your email address or by letter if you prefer. Your account statement is the official record of your
Account. You agree to check your account statements promptly and to let us know if you think anything may be incorrect.
22 Business days
In this Agreement, the term ‘business day’ means any day other than a Saturday, Sunday or public holiday in South Africa.
23 How we treat your personal information
We collect and process personal information from you and share it with:
• service providers and other third parties for the purposes of providing our products and services to you and to comply with our legal and
regulatory obligations; and
• any party to whom we assign our rights under this Agreement or any of our agreements for particular products and services.
We are responsible for ensuring your personal information is processed lawfully and in a reasonable manner that does not infringe your
privacy. Your personal information will not be disclosed to anyone else without your consent unless we are legally required or permitted
to disclose it.
You have the right to contact the credit bureau to have your credit record disclosed and to correct any inaccurate information.
24 Financial crime, international sanctions and prohibited business activity
We operate controls and safeguards relating to international sanctions, the detection and prevention of financial crime and prohibited
business activity both within and outside South Africa which may delay or prevent us from providing our products and services to you, or
require us to terminate this agreement and our agreement for particular products and services (subject to any restrictions imposed by law)
without prior notice to you.
You agree to provide information and documents about yourself and about your banking transactions reasonably required to assist us in
operating these controls and safeguards.
25 Service outages
We rely on technological infrastructure in providing the Loan and related services to you.
You understand and accept that service outages occur.
During a service outage it may not be possible for us to act on your instructions and there may be delays in your instructions being processed.
26 Our partners’ services
We agree with commercial partners that they will provide complimentary services to you with some of our products and services, or that they
will offer you their services on special terms.
Our partners are solely responsible for their services and their terms and conditions will apply.
27 Changing this Agreement
Our branch and contact centre employees do not have authority to change this Agreement in their interactions with you except for
authorised employees who may agree the re-arrangement of your financial obligations under this Agreement.
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Any change to this Agreement that our authorised employees agree with you must be in writing.
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28 Duration of this Agreement

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This Agreement will continue until you have fulfilled all your obligations to us or we cancel this Agreement because you are in default.
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Our obligations to you under this Agreement relating to how we treat your personal information continue after your obligations in terms of
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this Agreement have been fulfilled.

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29 When we do not use our rights

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If we do not always use all our rights, it does not mean we have given them up.
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30 Transferring agreements
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We may transfer our rights and obligations under this Agreement to third parties. This Agreement is personal to you and you may not transfer
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it to anyone else.
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31 Joint borrowers
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If more than one person enters into this Agreement, each person is jointly and separately responsible to repay the total amount owing to us
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under this Agreement. This means we can take legal steps against you jointly or we can take legal steps against any one of you separately but
we may not recover more than the outstanding amount due to us under this Agreement.
32 Certificates
A certificate provided by one of our managers is sufficient evidence of any amount that you owe us.
A certificate provided by the administrator maintaining our digital content that you access via the internet is sufficient evidence of the
version of the content as at the stated date and time.
33 Governing Law
This Agreement is governed by the laws of South Africa.
34 Complaints and dispute resolution
If you have a complaint or a dispute arising between us, you can:
• complain to us (Complaints line 0800 414 141);
• seek assistance from the Ombud responsible for banks on 0860 800 900 (Sharecall) and 011 712 1800;
• seek resolution of a dispute by alternative dispute resolution under the NCA;
• file a complaint with the National Credit Regulator;
• apply to the National Consumer Tribunal; or
• seek assistance through the courts in South Africa.
35 Important contact details

Absa Contact Centre: 0860 669 669
National Credit Regulator: 0860 627 627 or 0860 NCR NCR
National Consumer Tribunal: 012 394 1450
Credit Bureau: Transunion 0861 482 482 or Experian 0861 105 665
36 Language Statement
This Agreement includes both the English/Afrikaans and translated version in an official South African language of your choice. In the event
of conflict, the English/Afrikaans version will apply.
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Shabeer

Sent: Sunday, July 07, 2019 8:45 PM
To: 'urban@carsdirect.co.za'
Cc: 'Sanet Maritz'
Subject: RE: Absa Durban - Shabeer
Attachments: OT35474941_1_1881463726451.pdf; Haval H2 - Shaik Abdurahaman.pdf
Importance: High
Hi There
Kindly find proof of payment attached for Deposit of R50k for Ref: Shaik Abdurahaman
Also New Car Haval H2 car insurance is sorted with Outsurance, see attached.
Regards
Shabeer
0827525336
From: urban@carsdirect.co.za [mailto:urban@carsdirect.co.za]

Sent: Friday, July 05, 2019 9:16 AM
To: 'Shabeer' <shabeer@blueberrytech.co.za>
Subject: RE: Absa Durban - Shabeer
Good day Shabeer,
Please find attached banking details. Reference is just your I.D surname please. Once payment made pls forward me
proof of payment.
Regards
Obie

Sent: Friday, 05 July 2019 08:20
1
Hi Sanet
Absa contract signed online, kindly find supporting documents attached
Kindly make arrangement for monday 08th july 2019 at the ABSA La lucia branch. (between 12:30 or
2pm my lunch time)
Regards
Shabeer
On 2019-07-04 15:49, Sanet Maritz wrote:
Good afternoon
I did send you the pin for online signing.
You can go to your browser to www.Absa..co.za
 Banking for individuals

 Borrow tab
 A Car tab
 Scroll down to econtract
Follow the steps
Thank you
2
Sent: 03 July 2019 22:20
Hi Sanet
Unfortunately tomorrow I will not be able to visit the Absa branch, I am working off site at a client for
the next 1 & half days.
Can you kindly arrange for Monday 08th July 2019 at the Absa LA Lucia branch as discussed around
lunch time.
At the same time on Monday morning, I will do the deposit transfer.
Everything still remains the same and by Monday we can have a closure
Regards
Shabeer
Thank you sir
They are closed now. I will let you know tomorrow morning who is the contact person at the bank.
Please take original Id document, spouse id document and your drivers license to the bank
tomorrow.
3
See attached document your spouse can sign tonight. I did mark with # where she can sign.
Thank you

Sent: 03 July 2019 15:51
Subject: Re: Absa Durban
Yes that the correct in armstrong
Good day
Please confirm which Absa bank the one is in La Lucia?
The one in La Lucia mall or the one in 43 Armstrong Avenue?
--
Regards
Shabeer
4
5
Customer Care: 0860 123 000
Website: www.standardbank.co.za
7 July 2019
Payment receipt
Beneficiary name
Carsdirect
Account number
62565813724
Bank
FIRST NATIONAL BANK
Branch
ALL BRANCHES (25065500)
Beneficiary reference
Shaik Abdurahaman
Your reference
Carsdirect
Payment date
7 July 2019
Amount
R 50 000.00
The Standard Bank of South Africa Limited (Reg. No. 1962/000738/06. Authorised financial services provider. VAT Reg No. 4100105461 Registered credit provider (NCRCP15). We subscribe to the Code of
Banking Practice of the Banking Association South Africa and, for unresolved disputes, support resolution through the Ombudsman for Banking Services.
Shabeer

Sent: Tuesday, July 16, 2019 4:11 PM
To: lean@carsdirect.co.za
Cc: urban@carsdirect.co.za; Deon.govender@absa.co.za; 'Sanet Maritz'
Subject: Re: Car Finance - S Shaik Abdurahaman | Account no: 92593628
Hi Lean
I think thus far, I am happy with your email reply below.
We will touch base soon.
Regards
Shabeer
On 2019-07-16 15:46, lean@carsdirect.co.za wrote:
God afternoon Mr Shaik Abdurahaman,
Thank you for your email.
We at Carsdirect always strive to deliver the best possible customer service and we want our clients to be 100%
satisfied with not only the service delivery but also the vehicle you buy.
We will gladly assist with the facilitation of changing the Haval to a Creta. Please just keep in mind we will
have to sell the Haval again as this vehicle was bought out especially for you. We cannot commit to a timeframe
in getting this done but we do sell Haval's on a weekly basis so I cannot foresee this taking very long. As soon
as we get a buyer we will settle your ABSA account and a new deal will be created.
We currently have a client that is interested and we are just waiting for the deal to approve and the client to give
the go ahead.
Please also keep in mind there will be a cancelation fee as Carsdirect has encored costs on the Haval that
includes registration, delivery and preparation for delivery to name a few. We will try to work this money in the
next deal as far as possible. Urban will confirm this amount with you by tomorrow afternoon.
1
We trust you will find this in order.
If there is anything else I can do to help please let me know and I will gladly assist.
Kind Regards
Lean Senekal
General Manager Carsdirect.co.za
p: 0861 444 111a: 18 Athlone Drive, Three Rivers, Gauteng.
w: www.carsdirect.co.za e: lean@carsdirect.co.za

Sent: 16 July 2019 12:55
Cc: urban@carsdirect.co.za; Deon.govender@absa.co.za
Subject: Car Finance - S Shaik Abdurahaman | Account no: 92593628
Hi Lean Senekal
Hope you keeping well
Re: Cancellation of Car Finance and Car Deal
Name: S Shaik Abdurahaman
ID No: 8211075021084
Mobile: 0827525336
2
Absa Account No: 92593628
Vehicle Reference: 2019 HAVAL H2 1.5T CITY A/T (from Haval Vaal)
I recently was working with your sales consultant, Mr Urban from Cars Direct (also cc'ed) and we
purchased the above vehicle and with Car Finance by Absa Bank, Mr Deon Govender (Business
Consultant who processed this deal). All the documents are signed and currently never accept or take
delivery of the vehicle.
As you have follow the email thread below to Deon and Urban requesting to cancel this vehicle for
me. I am not happy with this vehicle's brand.
I did speak to Mr Deon this morning who was very accommodating to me, however it will need both
Cars Direct and myself to come to some agreement.
So as I mention to Cars Direct and ABSA, I am happy if Cars Direct can change the vehicle brand
request to a Used/Demo Hyundai Creta Auto to continue an updated contract/deal.
You can contract me on my mobile number 0827525336, or I will call you after 2pm today.
Regards
Shabeer
On 2019-07-15 14:27, Shabeer wrote:
Hi Deon Govender
ID No: 8211075021084
Mobile: 0827525336
Dealer: Cars Direct
Deon Govender
Marketer Personnel Number: 1632903
Salesman: 0000567094
3
I recently was dealing with Cars Direct to purchase the 2019 Haval H2 City Auto, refer to the finance
application with ABSA, I Did confirm with ABSA on the 05 July 2019. Currently the car is in transit and
I did not receive or accept the car as yet.
Over the weekend, together with my families advise, I want to cancel this Vehicle Finance and deal
with ABSA, Haval and Cars Direct due to the Car (Haval) not being long even in South Africa and the
car brand itself.
I did call Cars Direct this morning advising them my decision for this Vehicle, however there did
advise me to contact ABSA directly or speak to yourself (Business consultant)
I am still happy to deal with Absa finance for other car for future, maybe within a 30 to 60days period.
As I am looking for the a Used/demo Hyundai Creta Auto.
@ Urban (cars direct): As per our telephonic discussion, I think the car is nearby durban for delivery,
however I am not going to be accepting this vehicle until my car to Mr Deon and the outcome from
ABSA.
You can contact me asap to action this cancellation request.
--
Regards
Shabeer
--
Regards
Shabeer
--
Regards
Shabeer
4
Shabeer

Sent: Thursday, July 25, 2019 10:47 AM
Hi Lean
Hope you keeping well. Thank you thus far to accommodate my request and with the excellent
customer experience.
I need your assistance and I trust you can guide me swiftly conclude my vehicle.
So just to take us back, I requested to cancel the Haval H2 (as mention in the email thread below),
Cars Direct has been really helpful to assist my request. Urban is the Sale Consultant which I am
working with and honestly he has excel in his work thus far, to answer all my questions and looking
out to replace the Haval with a Hyundai Creta. He did provide few Hyundai Creta option however,
either I wasnt too happy or it was out of my budget or Car unavailable. I take of my hat for his hard
work.
Now currently I managed to find the pre-owned 2017 Hyundai Creta at Hyundai Pinetown in Durban
which I happy to continue with this deal transaction. Currently Urban did explain to me, the Haval is
currently been sold to another buyer and is causing delays for us to continue with this Creta deal.
From the initial cancellation request till date, its been around 2 week.
Hyundai Pinetown reserved this vehicle under my name to ensure I get this vehicle without any
deposit or payment at this stage, however the dealer will max hold this for a day or 2.
The Hyundai Creta is lower in the total price compare to the Haval submitted price to Absa Bank
which my Car Finance is currently with. Definitely there must be a reapply or change in the ABSA
finance due to the Vehicle Model, Brand and Purchase price and my monthly repayment.
So my email to you this morning, Not to complaint or to misjudge Urban's hard work with my query or
deal. However if maybe you can have a chat with Urban and see what are our quicker option to adjust
with ABSA bank and get started with the Creta Deal.
I only have three concerns at this stage:
 Either I am going to lost the Creta Deal at Pinetown and later pay for a High Purchase price
elsewhere which I am not going to be happy
 My Creta is dependent on the Haval, if some reason the Haval delays or dont buyer the haval,
I will be pending.
 Since Cars Direct is dealing with my deal and I have already paid a R50k deposit, I can deal
(bind) with my own to any dealer.
Obviously, I am most than happy to work with Cars Direct, I trust you and your team will to your level
best to provide me a best outcome by today. If for some reason due to protocols Cars Direct pend on
the Haval getting sold first, please lets Cars Direct out work the minimal cancellation fee (which I can
1
review my options) that I need to bare and cancel with Cars Direct and refund my deposit so that I
can continue my own Deal directly with Hyundai Pinetown and ABSA Bank.
Regards
Shabeer
We at Carsdirect always strive to deliver the best possible customer service and we want our clients to be 100%
satisfied with not only the service delivery but also the vehicle you buy.
We will gladly assist with the facilitation of changing the Haval to a Creta. Please just keep in mind we will
have to sell the Haval again as this vehicle was bought out especially for you. We cannot commit to a timeframe
in getting this done but we do sell Haval's on a weekly basis so I cannot foresee this taking very long. As soon
as we get a buyer we will settle your ABSA account and a new deal will be created.
We currently have a client that is interested and we are just waiting for the deal to approve and the client to give
the go ahead.
Please also keep in mind there will be a cancelation fee as Carsdirect has encored costs on the Haval that
includes registration, delivery and preparation for delivery to name a few. We will try to work this money in the
next deal as far as possible. Urban will confirm this amount with you by tomorrow afternoon.
Kind Regards
2
Lean Senekal

Sent: 16 July 2019 12:55
Hi Lean Senekal
ID No: 8211075021084
Mobile: 0827525336
3
Regards
Shabeer
Hi Deon Govender
ID No: 8211075021084
Mobile: 0827525336
Dealer: Cars Direct
Deon Govender
car brand itself.
4
ABSA.
--
Regards
Shabeer
--
Regards
Shabeer
--
Regards
Shabeer
5
Shabeer

Sent: Tuesday, July 30, 2019 2:38 PM
Hi Lean
Thank you for your email, I really appreciate your reply on this. It does give me great ease to be
dealing with yourself, Urban and your team to ensure my request.
Yes, lets wait for by tomorrow afternoon, (31 July 2019) to provide the outcome from either from
yourself or via Urban. I will await for Cars Direct Directive.
@ Urban: I just need your kind assistance, to either call or email yaseen Hyundai to give him comfort
for the Creta that his holding.
I trust and pray and the haval deal conclude soon so that we can begin with the Creta deal, and
hopefully I can drive off with my vehicle by this Saturday.
Regards
Shabeer
Good afternoon Shabeer,
I do understand your frustration and I really do wish I can get this done quicker for you. The initial client that
was interested in the HAVAL has decided to go ahead with the transaction. We have another client that we are
waiting for approval from the bank. I should have definite answer by tomorrow afternoon. I request that we wait
till tomorrow afternoon to pay the deposit to ensure the new deal is ready or else we might lose the R 5 000.00
as well.
I trust you will find this in order.
1
I will keep you dated tomorrow afternoon.
Kind Regards
Lean Senekal

Sent: 30 July 2019 10:10
Importance: High
Hi Morning Lean
I trust that you doing fine.
Sorry that I am putting you and your team under pressure with finalizing my deal. So we made
arrangement with Hyundai Pinetown to hold the Creta for myself by today (Tuesday, 30 July 2019).
Currently we dont have a good resolution to continue with my Creta deal as the haval deal is cause
the delays to finalize this. I have been communicating with Urban and we really need your direction
on this. As I mention previously, you and your team (Urban) has really been trying to accommodate
me thus far.
2
Just received phone call from Yaseen (Hyundai Creta) with regards to the Creta, his not going to be
able to hold the vehicle much more longer without a confirmed deal or holding deposit. Should the
Creta at Hyundai Pinetown is sold prior to our deal, I may even cancel the whole deal with Cars
Direct.
Currently I am foreseen this to be going into a messy deal, if we dont have a solid outcome.
My suggestion or recommendation that we need to action by today, 30 July 2019:
a) let's put a holding deposit to creta for Hyundai by today (30 July 2019). If we do this yaseen
cannot sell to another cash buyer that come in
b) if all the above going to be an issues. Let's work out the cancellation fee that I need to pay
to Carsdirect and let cancel and move on. I cannot wait much more longer if and when the
Haval will get sold, as that could be indefinitely.
Please Lean, I await your urgent reply on this and the way forward.
Regards
Shabeer
0827525336
Hi Lean
work.
3
I will be pending.
Regards
Shabeer
We at Carsdirect always strive to deliver the best possible customer service and we want our clients
to be 100% satisfied with not only the service delivery but also the vehicle you buy.
We will gladly assist with the facilitation of changing the Haval to a Creta. Please just keep in mind we
will have to sell the Haval again as this vehicle was bought out especially for you. We cannot commit
to a timeframe in getting this done but we do sell Haval's on a weekly basis so I cannot foresee this
taking very long. As soon as we get a buyer we will settle your ABSA account and a new deal will be
created.
4
We currently have a client that is interested and we are just waiting for the deal to approve and the
client to give the go ahead.
Please also keep in mind there will be a cancelation fee as Carsdirect has encored costs on the
Haval that includes registration, delivery and preparation for delivery to name a few. We will try to
work this money in the next deal as far as possible. Urban will confirm this amount with you by
tomorrow afternoon.
Kind Regards
Lean Senekal

Sent: 16 July 2019 12:55
5
Hi Lean Senekal
ID No: 8211075021084
Mobile: 0827525336
Regards
Shabeer
Hi Deon Govender
ID No: 8211075021084
Mobile: 0827525336
6
Dealer: Cars Direct
Deon Govender
car brand itself.
ABSA.
--
Regards
Shabeer
--
Regards
Shabeer
--
7
Regards
Shabeer
--
Regards
Shabeer
--
Regards
Shabeer
8
Shabeer

Sent: Thursday, August 01, 2019 8:45 AM
To: urban@carsdirect.co.za; lean@carsdirect.co.za
Cc: sanet@carsdirect.co.za; yaseen@hyundai.co.za; Deon.Govender@absa.co.za
Importance: High
Hi Good Morning Urban / Lean
Hope you guys are doing well.
In this email, I have cc'd the following people, just to bring all the parties where we are currently :
 Sanet from Carsdirect for Car Finance Application

 Yaseen from Hyundai Pinetown
 Deon from Absa Bank - Car Finance
Urban, Could you give us an update as of this morning, where you are with the Haval Deal, Has that
been completed? Where we are with my Hyundai Creta Deal.
Today, being the 01 August its the new month. We really need to move quickly in making our final
decision with this matter. Currently All parties including Cars Direct, My Insurance, Absa Bank,
Hyundai Pinetown and Myself are pending to move forward.
I still plan and hope to drive off with my Hyundai Creta by this Saturday, 03 August 2019 from
Hyundai Pinetown. We just have two working days to achieve this.
I hope to hear some good news asap,
Regards
Shabeer
0827525336
On 2019-07-31 15:19, urban@carsdirect.co.za wrote:
Good day Shabeer,
I am currently only working on your deal. They client is happy we just awaiting go ahead then we can conclude
everything.
1
I will update you as soon as I have the update from client. I am very positive about this.
Regards
Obie
To help protect y our priv acy , Microsoft Office prev ented automatic download of this picture from the Internet.

Sent: Wednesday, 31 July 2019 14:46
Hi Lean & Urban
I trust you guys are doing well.
I just decided to friendly email you guys,to find out the latest status with this Deal / Query. I know
maybe I am abit ahead of time which we decided to come to an overall agreement by this afternoon.
I do await your urgent reply on this. I trust you guys will provide me the best solution asap.
Regards
Shabeer
2
Hi Lean
Thank you for your email, I really appreciate your reply on this. It does give me great ease to be
dealing with yourself, Urban and your team to ensure my request.
Yes, lets wait for by tomorrow afternoon, (31 July 2019) to provide the outcome from either from
yourself or via Urban. I will await for Cars Direct Directive.
@ Urban: I just need your kind assistance, to either call or email yaseen Hyundai to give him comfort
for the Creta that his holding.
I trust and pray and the haval deal conclude soon so that we can begin with the Creta deal, and
hopefully I can drive off with my vehicle by this Saturday.
Regards
Shabeer
I do understand your frustration and I really do wish I can get this done quicker for you. The initial
client that was interested in the HAVAL has decided to go ahead with the transaction. We have
another client that we are waiting for approval from the bank. I should have definite answer by
tomorrow afternoon. I request that we wait till tomorrow afternoon to pay the deposit to ensure the
new deal is ready or else we might lose the R 5 000.00 as well.
I trust you will find this in order.
I will keep you dated tomorrow afternoon.
Kind Regards
3
ttp s://img.newoldstamp.com/f/000/073/u906.png?599a9627a3073 Lean Senekal

Sent: 30 July 2019 10:10
Importance: High
Hi Morning Lean
I trust that you doing fine.
Sorry that I am putting you and your team under pressure with finalizing my deal. So we made
arrangement with Hyundai Pinetown to hold the Creta for myself by today (Tuesday, 30 July 2019).
Currently we dont have a good resolution to continue with my Creta deal as the haval deal is cause
the delays to finalize this. I have been communicating with Urban and we really need your direction
on this. As I mention previously, you and your team (Urban) has really been trying to accommodate
me thus far.
Just received phone call from Yaseen (Hyundai Creta) with regards to the Creta, his not going to be
able to hold the vehicle much more longer without a confirmed deal or holding deposit. Should the
Creta at Hyundai Pinetown is sold prior to our deal, I may even cancel the whole deal with Cars
Direct.
Currently I am foreseen this to be going into a messy deal, if we dont have a solid outcome.
My suggestion or recommendation that we need to action by today, 30 July 2019:

4
a) let's put a holding deposit to creta for Hyundai by today (30 July 2019). If we do this yaseen
cannot sell to another cash buyer that come in
b) if all the above going to be an issues. Let's work out the cancellation fee that I need to pay
to Carsdirect and let cancel and move on. I cannot wait much more longer if and when the
Haval will get sold, as that could be indefinitely.
Please Lean, I await your urgent reply on this and the way forward.
Regards
Shabeer
0827525336
Hi Lean
work.
5
I will be pending.
Regards
Shabeer
We at Carsdirect always strive to deliver the best possible customer service and we want our clients
to be 100% satisfied with not only the service delivery but also the vehicle you buy.
We will gladly assist with the facilitation of changing the Haval to a Creta. Please just keep in mind we
will have to sell the Haval again as this vehicle was bought out especially for you. We cannot commit
to a timeframe in getting this done but we do sell Haval's on a weekly basis so I cannot foresee this
taking very long. As soon as we get a buyer we will settle your ABSA account and a new deal will be
created.
We currently have a client that is interested and we are just waiting for the deal to approve and the
client to give the go ahead.
Please also keep in mind there will be a cancelation fee as Carsdirect has encored costs on the
Haval that includes registration, delivery and preparation for delivery to name a few. We will try to
work this money in the next deal as far as possible. Urban will confirm this amount with you by
tomorrow afternoon.
6
Kind Regards
Image remov ed by sender. ttps://img.newoldstamp.com/f/000/073/u906.png?599a9627a3073 Lean Senekal

Sent: 16 July 2019 12:55
Hi Lean Senekal
ID No: 8211075021084
Mobile: 0827525336
7
Regards
Shabeer
Hi Deon Govender
ID No: 8211075021084
Mobile: 0827525336
Dealer: Cars Direct
Deon Govender
8
car brand itself.
ABSA.
--
Regards
Shabeer
--
Regards
Shabeer
--
Regards
Shabeer
--
9
Regards
Shabeer
--
Regards
Shabeer
--
Regards
Shabeer
--
Regards
Shabeer
10
Shabeer

Sent: Thursday, August 01, 2019 10:27 AM
To: urban@carsdirect.co.za
Cc: lean@carsdirect.co.za; 'Yaseen Mahomed'
Subject: New application - ShabeerSA (Hyundai Creta)
Attachments: Carfinance Application- Shabeersa.pdf; reconlegal1.pdf; Sars Forms.pdf; ID.pdf
Importance: High
Hi Urban
Thank you for your reply and telephone call
Kindly find signed documents attached. Kindly confirm if all in order
Regards
Shabeer
Good morning Shabeer,
I am starting with the application for the Hyundai Creta. Unfortunately we have to follow procedure we we
apply for the Creta and the application is based on settlement of the Haval with ABSA
Please find attached three documents that I need you to complete and sign for me.
I will also phone you and guide you thru the documents.
Regards
Obie
1
--
Regards
Shabeer
2
Shabeer

Sent: Friday, August 02, 2019 2:53 PM
Subject: Re: New application - ShabeerSA (Hyundai Creta)
Importance: High
Hi Urban / Lean
I trust that you guys are doing fine
Its has been a abit sad and long week, this week. I was anticipating drive off with my Hyundai Creta
by tomorrow.
Unfortunately, I was wrong, we far from that. The issue currently, the haval deal is still not yet
completed for urban to start my deal. Guys now I tried everything which been waiting patiently for the
past almost 4 weeks now. I officially cancelled the Haval Deal on the 15 July 2019, which i did not
accept or take delivery.
If you see the email thread below or my other emails, I have been asking you guys what is the way
forward, even when you guys suggested to wait by Tuesday afternoon.
I agree you guys have own procedure to follow, however I must make it clear, now I am going to wait
for your call when officially my deal is on the process. However in the interim if you guys want to
speak to Hyundai Pinetown to reserve the Hyundai Creta for me (however not sure how long there
can assist you).
However in the process, if the Hyundai Creta is NOT available to me from the same Dealer Hyundai
Pinetown at the same vehicle and price. Then unfortunately I longer will be interested with another
car, model or dealership.
I await your urgent reply, if no reply from Cars Direct by end of today (friday, 02 August 2019) if will
give me not other choice to get some consumer advice to ensure my deposit is provided back.
Regards
Shabeer
0827525336
Hi Urban

1
Regards
Shabeer
I am starting with the application for the Hyundai Creta. Unfortunately we have to follow procedure we we
apply for the Creta and the application is based on settlement of the Haval with ABSA
Regards
Obie
--
Regards
Shabeer
--
Regards
Shabeer
2
3
Shabeer

Sent: Friday, August 02, 2019 6:21 PM
Cc: urban@carsdirect.co.za; 'Govender, Deon: Absa'; pierrec@carsdirect.co.za
Importance: High
Hi Lean
Thank you for your reply, much appreciated. I know it's end of the week and it's Friday and you and
your team are working towards my Request or Dispute.
After reading your email below, I will give it my last and final chance to give you and your team the
chance to resolve a pending items which was raised about 4 weeks ago.
So the way, we need to pin down a deadline. Previously maybe on both ends we took verbal
communication rather than a fixed deadline or an action plan. I can offer you guys until Monday, 05
August 2019 before 1pm to pin down the final resolution.
I am expecting a phone call or an official email either with two options:
a) Hopefully haval deal get signed and closed completely then to start asap with my creta deal.
b) failing to finalizing the Haval deal within the deadline date and time, I do urge you to PLEASE let
cancel this transaction and provide me the cancelation fee for the Haval Delivery which can or maybe
deducted from my deposit that I paid. After the mutual agreement Cars Direct to refund my Deposit.
Also close or cancel existing vehicle finance with Absa Bank. Currently a vehicle finance is pending
on my name which I do have the vehicle in my possession.
I must repeat myself once again, if the Hyundai Creta at Hyundai Pinetown with the same vehicle that
I want is NOT available, I will NOT continue with another vehicle, deal or Similar.
It's been 4 frustrating weeks for both Cars Direct and Myself, however I do believe this email you will
find the urgency to make be a happy customer. Thus far I don't have a problem with Cars Direct
however nor can I move forward whilst Cars Direct is holding my deposit.
Let's work together and keep towards our due deadline as mention above internally to resolve this
humble Request first, before getting 3rd consumer and legal guidance to force this into a dispute.
From my end should I not receive a phone call with a supporting email with either option a or b or
mutual agreement by 1pm then I will have to seek further action to a dispute.
I trust you and your team fully understand and expecting your phone call before Monday mid day.
Regards
Shabeer
1
0827525336
Shabeer@blueberrytech.co.za
2019-08-02 16:29, lean@carsdirect.co.za wrote:
My apologies for only getting back to you now. We have been very busy with month-end.
I do understand your frustration Sir; and please believe me we have done everything we possibly can to ensure
that you transaction gets concluded.
We are dependent on a client to say yes or no and if we push this client any harder we will lose him completely.
Your new transaction on the Creta has been loaded and approved with ABSA – I just need the new client to sign
so that we can conclude your new deal.
The client has requested the weekend to discuss the final numbers with his wife and will get back to us on
Monday.
I would like to reiterate that we want to help you and want to conclude this deal just as mush as you do. We
need to ensure we follow the correct process and also endeavour to get the best possible price on the HAVAL so
that we get as close to settlement as possible without additional costs to both parties.
We trust you will find this matter in order.
Kind Regards
Lean Senekal
2

Sent: 02 August 2019 14:53
Importance: High
Hi Urban / Lean
I trust that you guys are doing fine
Its has been a abit sad and long week, this week. I was anticipating drive off with my Hyundai Creta
by tomorrow.
Unfortunately, I was wrong, we far from that. The issue currently, the haval deal is still not yet
completed for urban to start my deal. Guys now I tried everything which been waiting patiently for the
past almost 4 weeks now. I officially cancelled the Haval Deal on the 15 July 2019, which i did not
accept or take delivery.
If you see the email thread below or my other emails, I have been asking you guys what is the way
forward, even when you guys suggested to wait by Tuesday afternoon.
I agree you guys have own procedure to follow, however I must make it clear, now I am going to wait
for your call when officially my deal is on the process. However in the interim if you guys want to
speak to Hyundai Pinetown to reserve the Hyundai Creta for me (however not sure how long there
can assist you).
However in the process, if the Hyundai Creta is NOT available to me from the same Dealer Hyundai
Pinetown at the same vehicle and price. Then unfortunately I longer will be interested with another
car, model or dealership.
I await your urgent reply, if no reply from Cars Direct by end of today (friday, 02 August 2019) if will
give me not other choice to get some consumer advice to ensure my deposit is provided back.
Regards
Shabeer
0827525336
3
Hi Urban
Regards
Shabeer
I am starting with the application for the Hyundai Creta. Unfortunately we have to follow procedure we
we apply for the Creta and the application is based on settlement of the Haval with ABSA
Regards
Obie
--
Regards
Shabeer
4
--
Regards
Shabeer

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Date Type of Communication Addressed to Addressed to Company Email Summary Supporting File Name

7-Jul-19 Email Urban Cars Direct Proof of Payment (deposit) SSA_3.pdf

From: Shabeer <shabeer@blueberrytech.co.za>

Absa contract signed online, kindly find supporting documents attached

On 2019-07-04 15:49, Sanet Maritz wrote:

I did send you the pin for online signing.

You can go to your browser to www.Absa..co.za

 Banking for individuals

Follow the steps

From: Shabeer <shabeer@blueberrytech.co.za>

At the same time on Monday morning, I will do the deposit transfer.

On Wed, Jul 3, 2019 at 4:12 PM +0200, "Sanet Maritz" <sanet@carsdirect.co.za> wrote:

Thank you sir

From: Shabeer <shabeer@blueberrytech.co.za>

Yes that the correct in armstrong

On Wed, Jul 3, 2019 at 3:14 PM +0200, "Sanet Maritz" <sanet@carsdirect.co.za> wrote:

Please confirm which Absa bank the one is in La Lucia?

The one in La Lucia mall or the one in 43 Armstrong Avenue?

Quotation number 00092593628

Credit Provider Absa Bank Limited (NCRCP7)

Contact telephone number 031 2092747 / 0827525336

Physical (street) address 56 OAKLEIGH MANORS 90 OAKLEIGH DRIVE

• Make HAVAL • Year of first registration 2019

• Initiation fee (charged upfront) R 0.00

• *Total of additional fees below R 15000.00

• Less deposit required

• Initiation fee (paid upfront)

• Service and delivery R 8100.00

• Licence and registration R 6900.00

• Mechanical breakdown warranty R 0.00

• Tyre and rim warranty R 0.0

• Scratch and dents warranty R 0.00

Absa Bank Limited Reg No 1986/004794/06

• Asset insurance R 0.00

• Asset insurance extended cover (optional) R 0.00

• Credit protection insurance (optional) R 0.00

Total insurance R 0.00

• Monthly service fee R 69.00

Monthly Instalment [including service fee(s) and interest] R 4363.46

Premium(s) for insurance (if applicable) R 0.00

Total instalment R 4363.46

• Date of first instalment 2 0 1 9 0 9 0 1

• Date of last instalment 2 0 2 5 0 8 0 1

Security No security is required.

• Principal debt (value of Asset less any deposit paid) R 250000.01

• Interest (aggregated) R 143699.15

• Initiation fee R 1207.50

• Licence and registration R 6900.00

• Monthly service fee (aggregated) R 4899.00

• Total insurance (aggregated) R 0.00

• Mechanical breakdown warranty R 0.00

• Tyre and rim warranty R 0.0

Scratch and dents warranty R 0.00

Aggregated values are calculated according to the term of the Loan.

Signature on your behalf ID/Reg number of Signatory

Signature of Witness ID/Reg number of Witness

Signature on behalf of Absa Bank Limited Employee number

4 Delivery and acceptance

can be or are removed from the Asset).

7 Settlement of existing debt

Agreement up to the maximum amount allowed under the NCA.

the date you entered this Agreement by:

• delivering the required notice to us;