TAKING MONEY WITHOUT CONCENT - WORST SERVICE ERROR

I don't even know where to start - I was very happy with cartrack in the beginning - on R185 for almost a year. Towards the end of 2021 and the peak of COVID19 Cartrack decided to debit me R 203.50 which I did not approve or aware about this but when I phoned and asked they said its an annual increase (which I did not approve as I got a salary cut during in the start of 2022) When I called again, I begged them to put me on the R 99.00 package (which they are so proud of and announce to all of South Africa) but I needed to pay R 750.00 to decrease my package, I said that is fine but please lets work on compromise or a down payment. After numerous calls and filling in the same form and sending them it to them twice, they still debited me R 203.50 which i reversed at the bank (approximately R 12.00 payment per reversal) which they will try and debit from my account twice some months three times on the same amount. After this I got FED UP with cartrack, with the poor service, and call centre is nightmare as you can hear everyone around them.

I then Proceeded to cancel my policy with cartrack which was an additional R 2750.00 on top of everything (please keep in mind i lost 40% of my income). So called them again asking for a payment arrangement which everyone was happy on. While this was in place I got whatsapp and sms from Cartrack saying they will proceed with legal action if i do not pay in 10 days, this will happen maybe twice a month. When I call them about this they say there is nothing they can do about!

I think what made come here was my call this morning 2022/09/22 when a very rude person admitted they are debiting me more than once a month without authority, and now they are taking legal because my monthly payment was below the criteria and this was the first word I heard of this. Now I must pay 4 times the amount almost just not be blacklisted. I have never in my life experienced something like this.