The Voice - Consumer Voice

Where's my compensation?

Hello Richard. I kindly need your assistance. It is about my workers compensation claim that has been going on for long. The insurance Company is not committed to paying the money though I have done everything they requested. They are really failing me. I gave them the claim form last year November and they replied this year that they need me to do a second medical opinion of which I did. They keep going back and forth. 2 weeks back they wanted another medical opinion and I did and gave them the quotation. Right now they are not responding or taking my calls, a whole big Insurance company for that matter. I've spent a lot of money on transport due to this matter but no progress.

The accident was in 2020 and I haven't found help ever since then I tried everything. I tried to enquire to them once and they told me that they can sue me for placing a query at Consumer Watchdog.

This is ridiculous. You had an accident more than 3 years ago and your compensation claim still hasn't been processed? That's not acceptable. Section 14 of the Consumer Protection Act says that "where a supplier undertakes to perform any services for or on behalf of a consumer, the consumer has a right to … timely performance and completion of those services (and) timely notice of any unavoidable delay". Clearly this insurance company, or perhaps the insurance broker used by your employer, don't understand what "timely performance" means, or they don't care. Or they just want to delay you until you give up.

I contacted the insurance company about your issue so let's see what they say.

And their suggestion that if you consult Consumer Watchdog they'll sue you? Here's my message to them. Don't sue your customer. Sue me. Go on, I dare you.

Is it too late to get my money back?

I reported a fraud case on the 12th of December 2023. We were scammed by fraudsters pretending to be from BURS and they gave us a purchase order and we then procured from the "Supplier" via EFT to their bank in SA at an amount of ZAR61,835 on 8th December. After 3 days we discovered this Supplier works with the fraudsters in South Africa. As soon as we found out it was a scam two working days after the transfer we went to our bank with a Police Report and asked them to freeze the funds before they reflected on the scammers account. They followed their normal protocol and said in 30 days they will give us a response.

I have been following up with them and they keep saying the other bank in SA says they will give them feedback and they don't even know if the funds were frozen or not. Their 30 days elapses on the 12th of Jan and they can't even tell me if the funds were frozen or not!

I'm had a meeting with the fraud department head, they said the issue was assigned to an investigator with the bank in SA and they are still awaiting their response since its 2 different banks in 2 different countries.

This is going to be complicated. I think you should also prepare yourself for disappointment.

We've seen many of these supplier scams in the last few years. It usually starts with an email from what appears to be a major state-owned enterprise like BURS inviting you to supply them with expensive products. However, the strange thing is that the invitation tells the victim which company can supply these goods. The victim then contacts this fake company and is offered a cheap deal on these products. They then transfer the money to them. That's all there is to it. The victim's money is gone, never to be seen again.

In your case you were very wise to inform your bank as soon as possible but the way these scammers work is they transfer any money they get from victims overseas as soon as possible. In the 4 days between your transfer and you alerting the bank, it's possible the money disappeared.

Let's hope you were in time.