It is very difficult to tell you what to do without knowing what exactly happened there. I can think of a couple of scenarios, but I think these two is the most likely candidates:

1. The dealership saw an opportunity and wrote you two loans, but only supplied you with one vehicle. In that instance, it would be fraud and theft and you should report it at the Commercial Branch of the SAPD. To find out whether this is the case, you would need to approach the dealership and request the relevant documentation on both deals in order to establish exactly what happened.

2. There was some mistake on the side of the bank and the did not cancel the previous loan. This can only be sorted out at the bank, unfortunately and that is a big ship to get into motion on your own.

Your friends are correct. The best place to get this resolved is by approaching the ombud. This would be the Credit Ombud whose details you can find at www.creditombud.co.za. You should request the ombud to include the dealer in the investigation and if the bank can show that there is nothing wrong on their side, you know that it is the dealer and half the SAPD investigation would have been taken care of by the ombud.

Look, this problem is not going to be solved overnight, but as long as the matter is at the ombud, the bank cannot sue, so I suggest you do this as quickly as possible. If the ombud finds nothing wrong on the side of the bank, the bank will sue and in that case, you should add the dealership to the proceedings.

One thing is certain and that is that you did not receive two vehicles and there should be no reason why you should pay for two and I am sure that, at the ombud or at court, that will reflect.

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