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STANDARD BANK – ROAD OF DESTRUCTION (OF CLIENTS).
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STANDARD BANK FRAUDULENTLY CHANGE CONTRACT TO COVER UPOVERCHARGES.
Standard Bank overcharged a client by R267,000 after increasing the interest[…]
Mortgage Overcharge Investigations
Vehicle Finance Audits
Stopping Sales in Execution
Payment Holidays and Debt Relief
Stop bank overcharges with Emerald Van Zyl
R234 million+ reclaimed for clients
BANKGATES:
About us
South Africa’s Leading Financial Investigator Fights for You Against Unfair Bank Practices
Have you ever wondered if your bank is charging you more than it should? You’re not alone. Thousands of South Africans are overpaying on mortgages, vehicle loans, and credit accounts without even knowing it. I’m Emerald van Zyl, and for years, I’ve been exposing the hidden tactics banks use to inflate your payments. My team and I have recovered millions in refunds for clients just like you, from Standard Bank to Wesbank and beyond. With a proven track record of stopping sales in execution, securing payment holidays, and winning back overcharges (like R465,000 for one client and R110,000 for another), I’m here to fight for your financial justice. Don’t let banks take advantage of you any longer. Contact us today at 082 2911333 to investigate your accounts and reclaim what’s yours.
Reclaim Your Money with Our Expert Financial Investigation Services
Home loans
We analyse your mortgage agreement to find unlawful interest rates, hidden fees, and overcharges. Recent wins include R465,000 and R165,000 refunded to clients from major banks like Standard Bank and Absa.
Car loans
Balloon payments and inflated interest rates can turn your car loan into a financial nightmare. We’ve uncovered overcharges like R110,000 and R24,350 in Wesbank and Toyota Finance deals. Let us review your agreement to ensure you’re not overpaying.
Stopping Sales in Execution
Facing the loss of your home or property? We’ve stopped 40 sales in execution over the past three years, giving clients breathing room to fight back. Don’t let the bank take what’s yours without a fight.
See How We’ve Helped South Africans Like You
Our clients are our proof. Here are just a few of the victories we’ve achieved:
R465,000 Refunded: A Standard Bank client discovered they were overcharged on their mortgage. We fought and won a massive refund.
R110,000 Saved on Vehicle Finance: A Wesbank client was shocked to find hidden fees inflating their car loan. We got their money back.
40 Sales in Execution Stopped: Over three years, we’ve saved dozens of homes from being sold by banks.
R165,000 Recovered from Absa: Another client reclaimed a fortune after we uncovered unlawful charges.
These are just a few of our successes. Every day, we’re fighting for clients across South Africa, exposing bank tactics and securing refunds. Want to be our next success story?
Consult with us
No Risk to You: We only charge if we recover money for you.
we believe you shouldn’t have to risk a cent to uncover the truth about bank overcharges. That’s why our initial consultation is completely free, giving you the chance to explore your case with no upfront cost. We’ll review your mortgage, vehicle loan, or credit account in detail, explain any issues we find, and outline how we can help you reclaim what’s yours. Best of all, we only charge a fee if we successfully recover money for you, ensuring our interests are aligned with yours. This no-risk approach means you can take the first step toward financial justice with confidence, knowing we’re committed to fighting for your refund without adding to your financial burden. Call us today at 082 2911333 to start your free consultation and see how much you could save!
Our team
Meet Emerald van Zyl: Your Champion Against Bank Overcharges
Emerald van Zyl
financial investigations consultant
What are you waiting for?
It costs nothing to find out if you’ve been overcharged. Let’s start your journey to financial freedom today.
Testimonials
People we’ve helped
When I got a letter saying my home was at risk of repossession, I felt completely helpless. Standard Bank was pushing to sell my property over what they called ‘unpaid fees,’ but something didn’t feel right. I reached out to Emerald van Zyl after seeing his posts on X (@interrec
), and it was the best decision I ever made. His team dug into my mortgage and found R165,000 in unlawful charges that the bank never explained. Not only did they stop the sale in execution, but they also got me a full refund
Sarah M
I thought my car loan with Wesbank was straightforward until I saw Emerald’s X post about balloon payments costing people thousands extra. I contacted his team, and they uncovered R110,000 in overcharges on my vehicle loan—money I had no idea I was overpaying! Emerald’s investigation was thorough, and she explained everything in a way I could understand. Within weeks, I had my refund and a fairer repayment plan.
Thabo K
I was struggling to keep up with my Absa home loan payments, and the bank kept adding fees that didn’t make sense. A friend told me about Emerald van Zyl, and I saw his X posts (@interrec
) exposing bank tactics. I called him, and his team found R24,350 in hidden charges on my account. They not only got my money back but also secured a payment holiday to give me breathing room
Lerato N
Contact us
Don’t wait another day to find out if you’re being overcharged. Whether it’s a mortgage, vehicle loan, or credit account, we’ll uncover the truth and fight for your refund. Here’s how to get in touch: