FNB Gags Now-DA Councillor Simon Lapping & Threatens to Reinstate the +R100K on Bond If He Speaks

By Pinky Khoabane


FNB’s CEO Jacques Celliers “paid DA Councillor ‘to go away'”

IN an email of 26 July 2011 to the now-Democratic Alliance (DA) Councillor Simon Lapping, FNB’s Legal Manager Dawn Smith threatens to reinstate the R7000 bond registration costs plus “the capital haircut (capital haircut is over R100k)” paid by the bank into the former’s loan account if he should speak to anyone but Smith and a Vincent about the deal.

“We will cover the costs of your bond registration constituting R7000 (seven thousand rand). However, should you lodge a complaint on any forum or medium or any other person beside Vincent or myself, then these costs plus the capital haircut (capital haircut is over R100k) will be added back to your bond account and you will be liable for the full amount”. 

Here’s the email from Dawn Smith to Simon Lapping:

Screen Shot 2017-10-11 at 9.18.42 AM

The sordid details of this payment to Lapping are contained in an affidavit signed by the DA Councillor on 15 January 2015 at Sebenza, in Ekurhuleni. In it, the DA councillor details events surrounding an alleged decision by FNB’s then Credit Card CEO and now FNB CEO, Jacques Celliers, to pay Lapping “to go away” and effectively keep quiet about “their use of NAEDO (Non Authenticated Early Debit Order) system to scan client accounts and to ‘grab’ money without an authorised debit order”. Lapping told Celliers and others who were in a meeting a day after he had written a letter to then CEO Michael Jordaan, that the practice was “unacceptable and unconstitutional.”

“Mr Cillier’s (sic) response was: ‘I will give you R100,000 to away'” the affidavit reads.

The saga stems from what Lapping says was harassment from FNB’s debt collectors for an amount of R400 owed on his credit card and overdraft facilities. In frustration he wrote to Jordaan threatening to also harass him if their debt collectors wouldn’t stop. The meeting with Celliers for the R100K was then scheduled for the next day.

Included in the alleged “deal” was for Lapping to close his credit card and overdraft facility for which he was paid R3,500. The R100,000 was to be paid into a home loan that would be opened once the DA councillor’s divorce was finalised, which happened in 2010. FNB kept to their promise and a new bond of R155,000 was opened for Lapping.  In addition, FNB would pay for the transfer fees. “Around September 2011, the property was transferred into my name with a new bond of R155,000 (quite good for someone with no job, income etc). My outstanding balance was about R125,000. A month later in the beginning of October, I paid R2800 into this bond, the only payment I ever made. A few days later, a mysterious amount of R150,000 was paid into my bond therefore leaving me with a credit of approximately R30,000,” the DA councillor continues in his affidavit.

FNB Gags

  • Lapping could not contact the FNB CEO and the transaction could not be reflected on ITC.
  • He could not mention this deal to anyone but Smith and Vincent

How FNB Wiped-Off Now-DA Councillor Simon Lapping R125,000 Home Loan just for R400 Owed On His Credit Card & Overdraft








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  1. QP1138472: Residual Account – C H DAY 15 Dikkop Crescent Table View – Account Number unknown. Now a “new” account has popped up after all these years and this is the letter I wrote to Celliers.

    Dear Mr. Celliers

    I am turning to you as the CEO of FNB as a last resort due it being most apparent that your staff refuse to assist nor listen to reason. In 2005 I was duped into converting my home loan from ABSA bank to FNB One Account by one of your reps, much to my bitter regret today. From the onset there was problems with the handling of this account and after my boyfriend committed suicide I ran into financial difficulty and toward the end of 2005 the house was placed under auction and the bond amount was recovered. If I remember correctly, it was something in the region of R854, 000.00 they got for the house. I was not given final details.

    Toward the end of 2015 I started receiving sms’s (with smiley faces to boot) from FNB requesting payment on my “Residual Loan Account”. Not knowing what this was all about and believing it to be a ruse, I simply deleted the messages – I never knew banks communicated in this way in any case. During the course of last year I started receiving phone calls from various “lawyers” demanding that I pay this “Residual” amount which then was somewhere in the region of R640, 000.00 to which I responded that I had no idea what they were talking about and how can they possibly conjure up this account more than 10 years AFTER auctioning the house off. I furthermore advised them and sent them an affidavit stating that I have no knowledge of this account and do not have the financial means at almost 60 years of age to suddenly be confronted with such a bill and demanding I repay it. I barely scrape through on the little bit I make every month caring for children.

    Now, to add further insult to my already dire situation regarding this “account”, I signed up with ClearScore to see my credit rating as I needed to make a loan of R2, 000.00 to purchase a second hand stove and to my utter shock and dismay your bank has BLACKLISTED me – really? This without my knowledge, consent, nothing!

    This is the information they have put on Experian which is absolutely unbelievable. I have no documents, nothing pertaining to this “account” except the sms’s sent that I duly deleted after telling them that I do not owe them money. This is the information I found on ClearScore ( you will note on ClearScore the following – You have no mortgages on your credit report)
    BALANCE : R910, 494
    OPENING BALANCE : R641, 763
    ACCOUNT NR : 4000023916403

    So, if I have not mortgages on my credit report, what in the world is this FNB account in aid of?

    Mr. Celliers the entire South Africa is aware that you are a man of integrity and your profile speaks volumes when it comes to fairness and honesty but can you please explain to me how fair and how just is this blatant abuse of power by FNB to blacken my name after all these years with no due cause or reason. I cannot afford to pay any accounts which is why I do not have a single account and now this – please assist in correcting this as a matter of urgency. I do not want to resort going public with this matter but I will do what it takes to clear this off my name and if for some crazy reason I do owe you this money then I am afraid there is no way that I have the means to pay it back, not at my age and not with my measly income.

    Kind Regards

    Mrs. C H Day-Anderson (aka Nicky)
    073 032 1392

    This letter was sent to Celliers on the 9th December 2017 and the amount owing is suddenly over 1.1 million, that in the space of 3 weeks – my word!!! They have now filed another judgement against me in November 2017, blacklisted me and demand all this money. They claim they communicated with me all this time which is nonsense, I only started hearing from them toward the end of 2015.

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