The purpose of this article is two-fold: to investigate how recurring maintenance fees levied on students' accounts impact on university students' willingness to maintain bank accounts and therefore begin creating the necessary credit profiles. Credit profiles provide financial history that is useful for banks and other lenders to evaluate clients' credit worthiness. Many students in South African universities are ignorant of this requirement and usually make choices detrimental to their accessing current and future financial products. The banks' service quality and students' expectations need to be harmonized at some point.

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South Africa comes from a bitter period of apartheid where human rights of property ownership were violated through racially biased legislation called 'The Group Areas Act' of 1950 as amended. The act imposed control, based on race, property ownership and occupation in SA (Frog, 2002 (Whiteoak and Guilding,2009) . This paper examines the homeowners' dilemma, when moot bills and penalties result in water and electricity disconnections affecting dwellers lives. Potential abuse of power as well as conflict of interest by Bc&Tru is noted. The paper aims to highlight the need for an Ombudsman to regulate Bc&Tru to enforce accountability and protect rights as granted by the Constitution as the property rights of vulnerable people such as the elderly and tertiary students are violated. Qualitative method was used, through snowball sampling technique to access interviewees. Data also includes a summary of six complainants on "Hello

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