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SHOULD BE A RULE!

FNB is making illegal deductions against UIF payments.

FNB is making illegal deductions against UIF payments.
Unemployment is South Africa is 25.6%. High unemployment rates are bad for the economy which in turn is bad everyone living in SA. Paybackthewages is not trying to implement a new law, it demands that FNB adheres to the current law set out in the UIF Act. In Section 33 of the UIF Act, it states:

Benefits may not be-
1. Assigned;
2. Attached by the order of any court, except by any court order relating to maintenance of the dependents, including a former spouse, of that contributor; or
3. Set off against any debt.

If a court cannot may not attach an order to UIF payments, surely FNB has no right to do so either.

First National Bank refuse to comply to this law. In 2005 when the Dept. of Labour announced that it would be using EFT technology to pay UIF to workers (http://www.gov.za/labour-electronic-banking-uif-payment). In 2014 the "oversight" was brought to the attention of FNB who refuse to adapt their hi-tech systems (http://www.news24.com/Technology/News/FNB-uses-technology-for-advantage-20130319) so that they comply with Section 33 of the UIF Act. Thus FNB has knowingly been making illegal deductions against UIF payments since April 2014. See bank statement (https://drive.google.com/file/d/0BytefYJIlApreHFxeFFBbzAzY0k/view?usp=sharing). FNB refuse to address the full scope of the issue (https://drive.google.com/file/d/0BytefYJIlAprNnZjSV9MeS0wa3c/view?usp=sharing).

Everyday First National Bank continues to make illegal deductions against UIF payments as if they are above the law. I have requested the contract I signed when opening my gold cheque account and for FNB to hi-lite the part where workers waive their rights set out in Section 33 of the UIF Act but it ignores such requests. FNB insist that it has no control over the management of its clients accounts. When asked if there is an account number into which a client can pay for bounced debit orders and bank fees, it did not respond. FNB cannot supply such an account number because there is no such account. Thus it is impossible for it's clients to make these deductions themselves as suggested in the official response (https://drive.google.com/file/d/0BytefYJIlAprNnZjSV9MeS0wa3c/view?usp=sharing). The official response only addresses the issue of debit orders and sweeps the rest under the carpet. Issues like the 3 months credit card debt that was deducted after retrenchment documents were submitted in time to inform FNB that I would be needing to use the protection plan on the credit card. FNB ignored the UIF Act as well as the consumer protection plan in place on the credit card account. Again, this deduction was an automated transaction which is illegal and not executed by the customer. FNB also did not respond to the deductions made for bounced debit orders. Seeing that UIF takes at best 8 weeks to process, it stands to reason that a worker's account will go into a negative balance but this amounts to debt and the UIF Act clearly prohibits any deductions to debt. In the case of debit orders it is impossible to get some service providers to stop debit orders or nadeo collections. Yet it is important for a UIF beneficiary to choose which accounts to pay and which one's not to pay. In my case, I did not need 3 cell phone contracts to find another job. I only needed one! If we consider that UIF pays a max of 66% of a worker's salary, it stands to reason that a worker would need to make every cent count in order to re enter the work market. FNB does understand the concept of "every cent counts" because they use it in their advertising (See attached image) but conveniently ignore the concept when it comes to UIF payments which are protected against debt as set out in Section 33 of the UIF Act. In the meantime, FNB continues to make hundreds of deductions against UIF wages every single day! If this illegal activity is going to be the order of the day it is safe to say that FNB has no intention of improving our economy or reducing the high unemployment rate we face in South Africa.
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