Worst experience at Barko

I was in a huge bind went to barko sam ntuli katlehong was met with very efficient and friendly staff however I fell into some personal problems and couldn't repay the loan no the less the consultant contacted me I told her I'm trying to find a solution she then starting mentally munipaliting me by saying if I do not pay she will loose her job or she will not get paid I told her im allready going through my own things and she is still trying to add to my mental state would she prefer me to commit sucide rather after this her and a collegue went to my home when I was still at work telling the kids to hand me documents and ask them to tell me to pay my debt . Barko then send me a sms stating if I didnt make payment arrangements I would be handed over to the attorneys I tried to call the number just to find out is the same consultant I would rather wait for the lawyers to contact me our someone else from Barko then to deal with the same consultant no one contacted me again . Seeing that my financial situation is so dire I decided to apply for a consolidation loan just to find out that Barko has listed me for a credit adverse can you please see that this matter is sorted seen that I have no record of receiving notification of me about to be listed. I havent even received a final demand letter . These are the process that have to be followed : You cannot list below an amount of R100 You must send out a final demand letter or a (Section 129) to the individual or company The letter is available under TransUnion You must wait a full 28 days for the debtor to respond before you can list You must wait a full 3 (three) month billing cycle before listing can be logged