******* Blacklisting

I am writing this in sheer frustration and anger regarding the recent actions taken by CeeBee Debt Collection Agency against me. I am deeply disappointed by the unprofessional and ********* manner in which they have conducted their business, especially in regards to the blacklisting of my name without following due process. I was contacted once at which stage I advised them of the correct individual to contact, which they didn't, only to find my a judgment had been placed on my name in August. None of the regulations and laws governing debt collection in South Africa had been adhered to. I have experienced nothing short of complete disregard for my rights as a debtor. It should be also noted that I had made no commitment nor acknowledgement of responsibility for the debt in question (school fees) as this was done by my ex-husband upon enrolling my child into the school. My divorce was finalized in 2018.

Here are some of the grievances I wish to express: 1. Lack of Communication: Apart from the single call I received earlier this year, this agency as well as the school has failed to communicate with me regarding this. 2. Absence of Validation: I have requested detailed validation of the debts in question, as per the requirements of the National Credit Act and other relevant legislation. However, this agency has failed to provide any such information, which is my right as a debtor. 3. Failure to Follow Legal Processes: The National Credit Act requires that a debt collection agency follows a proper legal process before blacklisting a debtor. This agency has taken this extreme step without adhering to the law. 4. Unjust Blacklisting: The decision to blacklist me without proper validation and following due process is unjust and has caused severe damage to my financial reputation as well as my career in the financial institution. This action can have far-reaching consequences on my ability to secure housing, employment, and other critical aspects of my life.

I demand that this agency rectify this situation immediately by adhering to the laws and regulations governing debt collection in South Africa. Provide me with the necessary validation of the debts in question and follow the legal process for any future actions you may take. I trust that they will take this matter seriously and act promptly to rectify the unfair and ********* treatment I have experienced at the hands of this agency. Failure to do so will leave me with no option but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights. I expect a response this agency within 3 working days to address the concerns raised in this letter.