***********,Inhumane,Greedy and a disgrace to customer service industry

I find this disheartening that am probably the 10 000th unhappy client with Capfin. They have bad company traits of inhumanity,ruthlessness,poor service,greediness and everything in between.

I took out a loan and have been nothing but a good paying client.As we all have been under dire financial strain because of Covid-19,I tried to make arrangements via email.No response.Instead I was told they will continue deductions as usual.No plans,no interest in my problems.

Luckily I had an outstanding balance of R622,11 due in two month.Last payment 1st July.I was ready to settle in no time.Unfortunately was late with TERS payout end May 2020 and I had to delay payment.They debited on 1st June and it bounced.Debited again on 2nd June and it bounced again.Instead of them calling me directly,the called me via their ****** voicemail machine,where I had to press stupid numbers for options.I got about 8 voicemail calls a day.I sent an email for them to call me to discuss the situation.Impersonal and irritating Capfin machines.

On 3rd June,the debited again.Mind you,the bank is increasing bank charges due to this.They finally called me and I spoke to a consultant and made arrangements to pay on the 10th June.Same day,another idiot calls me about the same thing.

I got TERS money on the 8th June.Bank charged me R502.11 for bank charges due to unpaid debits,I went and paid my installment on the 9th,to avoid drama from them and moved my little money to my partner's account.I then sent an email to advise I have paid and they should not debit my account again.Guess what,they debited my account and it bounced again on the 10th June.Again,I will be charged another bank fee.Today,the 13th June,at 06:10 a notice of an unpaid debit amount of R406.11 comes through via sms. My cruel friend is busy with my account.I don't know why when I have a balance of just R216,48.Are you trying to rob me again?

1.I paid R502,11 for multiple debits when I have an arrangement for one day 2.Cannot get through call centre or get a response via email 3.They cant empathize with clients or be open to arrangements 4.I have 2 more unpaid debits,which incur bank charges due to their incompetence 5.Tried to rob me by charging account more when I have less balance

Overall,Capfin is a monster in the Financial Sector.They are ************* and should be reported to Ombudsman for treating clients like *******.We have rights and Capfin is abusing their rights using OUR money.