I look at my bank statements almost every single day, whether it be via my phone or internet banking on the computer. This morning I found a very suspicious debit order on my bank statement.
Standard Bank: Debit Order R99.00 DIGICASH 27NW4 SONAR 150; from Acc.8395. 2015-04-30 Query?0860123107
- I don’t have any debit orders on the 30th specifically
- I don’t have any debit orders for R99
- I do not know DIGICASH at all
- The only SONAR I know is the one that the gynaecologist does.
So I researched a bit and found the DigiCash website and sent them a message through their “Contact Us” page only to get an email back saying that it seems I’ve sent an email to an unattended mailbox:
That’s bull but anyways.
I posted a report on HelloPeter to complain about it. The reports on HelloPeter only stay there for 12 months I think so it will be taken down eventually.
I phoned and emailed my bank, the South African Reserve Bank and also PASA (Payment Association of South Africa) to lodge a complaint and to request an investigation. My bank has requested a reverse and stop on the debit order so at least I get the money bank. Yet ,the principle remains.
DigiCash phoned me very kindly to ask me what the reference/description on the bank statement is and then informed me that the company billing me is called Sonar Investments in Durban who sells products telephonically.
I told her that I have not and will not agree to any services or products telephonically and neither will I ever share my ID number or banking details over the phone just because I’ve learned from it in the past and that this is definitely fraud.
She said that they require a written or verbal mandate from their merchants on a random basis. I told her that they do not have a written or verbal mandate for this charge on my account because I never signed up for anything with DigiCash or Sonar Investments.
She now stopped the debit order telephonically and blocked my account number on their system for future charges.
By South African law, any merchant is required to have a valid, legal debit order mandate in order to charge customers/clients for services/products via stop or debit order as mentioned by PASA.
Good luck guys, check your bank statements and let’s have these guys closed down.