Submission, assessment, acceptance and transfer are different events. Find the stage that is actually incomplete rather than starting another application immediately.
What to check
- Application reference
- document requests and the provider's status messages
Ask for the amount actually paid out, every required payment and its due date. Put two quotes on the same basis before choosing.
A decision to avoid
Reading an application receipt as a promise that money is on its way.
A calculation you can check
Illustration only: cash received R2 000; three payments of R750; a separate required charge of R50. Total paid = 3 × R750 + R50 = R2 300. Difference from cash received = R2 300 − R2 000 = R300. This difference is not an annual interest rate. Include the charge only if it is outside the three payments; do not count it twice.
Questions about this decision
What happens between application and payout?
Submission, assessment, acceptance and transfer are different events. Find the stage that is actually incomplete rather than starting another application immediately.
Which information do I need for this decision?
Application reference, document requests and the provider's status messages.
Which mistake should I avoid here?
Reading an application receipt as a promise that money is on its way.
How do I check application reference?
Locate the actual dated record for Application reference. Compare it with the other records in this checklist; ask the organisation responsible for any unexplained difference.
How do I check document requests and the provider's status messages?
Locate the actual dated record for document requests and the provider's status messages. Compare it with the other records in this checklist; ask the organisation responsible for any unexplained difference.
What should I do if a required detail is missing?
Mark it as unresolved. Ask for that precise detail before choosing; do not substitute an advertised example for your own document.
What is the next practical step?
Ask for the amount actually paid out, every required payment and its due date. Put two quotes on the same basis before choosing.
How can I verify the explanation?
Use the documents listed above. Check quoted amounts and dates in the original record; use the official reference links for the organisation’s guidance.
