ES
Elaine S
1 reviews | Active since May 2022
28 Jul 2023, 09:26
Consumer friend
<div>Hi Consumer friend, so I was wondering if I should come on here to write a review. I decided to go and read the reviews on you first and I noticed there are a few people here with exactly the same problem as me! NOW I know that this "problem" I have is not just a mistaken calculation! This means that most of us working through consumer friend had an account that was not calculated correctly and this is scary because how much money do you pocket from your incorrect calculations? Clearly people using your services need help with making payment, not have more money taken from then unnecessarily.
So I had an Edgars account, went on debt review because of my husbands medical problems and we were drowning. My Edgars account has been paid off. I received a statement from Edgars, I phoned Edgars and I was told that even though I am on debt review, my account has been paid in full and they are happy, I DON'T NEED TO MAKE ANY MORE PAYMENTS. NOW dear consumer friend, why do you say I still owe R1200? Because "EDGARS INFORMED YOUR OFFICE THAT THE BALANCE WAS INCORRECTLY CALCULATED" Funny! I confirmed with Edgars myself in APRIL that my calculations was correct and no money is owed by me.
So consumer friend, please explain why have you been *****ing R220 per month from me since APRIL and want to ***** a further R1200 from me and my family?
Don't phone me because honestly I am not interest in excuses, empty promises or apologies. I am however expecting a paid up letter and written notice that the money paid since April will be refunded ASAP and that the "R1200 still owed by me" has been cleared.</div>
Helpful (0)
Replies (6)0
Replies (6)
Consumer Friend's replyOfficial
28 Jul 2023, 15:09Good day Elaine
Hope you are well.
We kindly refer to inquiry and advise the matter has been escalated to the relevant department for investigation.
Please note we will keep you updated on the progress of the investigation.
Kind Regards
Maheshree
Consumer Friend Team
Hope you are well.
We kindly refer to inquiry and advise the matter has been escalated to the relevant department for investigation.
Please note we will keep you updated on the progress of the investigation.
Kind Regards
Maheshree
Consumer Friend Team
Consumer Friend's reply28 Jul 2023, 15:09
Official
Good day Elaine
Hope you are well.
We kindly refer to inquiry and advise the matter has been escalated to the relevant department for investigation.
Please note we will keep you updated on the progress of the investigation.
Kind Regards
Maheshree
Consumer Friend Team
Hope you are well.
We kindly refer to inquiry and advise the matter has been escalated to the relevant department for investigation.
Please note we will keep you updated on the progress of the investigation.
Kind Regards
Maheshree
Consumer Friend Team
ES
Elaine S's updateReviewer Update
02 Aug 2023, 14:38Still no response from consumer friend
ES
Elaine S's update02 Aug 2023, 14:38
Reviewer Update
Still no response from consumer friend
Consumer Friend's replyOfficial
02 Aug 2023, 15:47Dear Elaine
We hope you are well and can confirm that a response was supp**** to both you and the debt counsellor on record.
As indicated in our in-depth offline response to you, the account was calculated correctly from date of handover to our offices since August 2020 till current. We confirm that all payments done by you were taken into account, along with the required interest in terms of the debt review negotiations.
Please bear in mind that in most cases when a debt review account is referred to our offices, our clients do place a debt review block, along with a hold on all future interest, from inception of debt review, within their space. This is to allow for our offices to administer and negotiate debt review interest on their behalf, within our space. Once the account settles at the required interest on our side, we inform the debt counsellor on record and are happy to issue a paid-up letter.
In light of the above, we confirm that the account indeed was not yet settled, and the balance as indicated in our statements were correct. As advised above, interest is placed on hold on the creditor side, which explains why the balance on their end settled prematurely. This does not mean the account is settled in full, as interest unfortunately has to be accommodated for.
We also did advise in our correspondence that the agent on RCS side, were in fact supposed to refer you back to our offices in relation to the account, which did not occur.
In light of the above, and to act in good faith, we have agreed to close the account.
Our team will keep in contact with you to finalize the matter.
Best Regards
Chantell
The Consumer Friend Team
We hope you are well and can confirm that a response was supp**** to both you and the debt counsellor on record.
As indicated in our in-depth offline response to you, the account was calculated correctly from date of handover to our offices since August 2020 till current. We confirm that all payments done by you were taken into account, along with the required interest in terms of the debt review negotiations.
Please bear in mind that in most cases when a debt review account is referred to our offices, our clients do place a debt review block, along with a hold on all future interest, from inception of debt review, within their space. This is to allow for our offices to administer and negotiate debt review interest on their behalf, within our space. Once the account settles at the required interest on our side, we inform the debt counsellor on record and are happy to issue a paid-up letter.
In light of the above, we confirm that the account indeed was not yet settled, and the balance as indicated in our statements were correct. As advised above, interest is placed on hold on the creditor side, which explains why the balance on their end settled prematurely. This does not mean the account is settled in full, as interest unfortunately has to be accommodated for.
We also did advise in our correspondence that the agent on RCS side, were in fact supposed to refer you back to our offices in relation to the account, which did not occur.
In light of the above, and to act in good faith, we have agreed to close the account.
Our team will keep in contact with you to finalize the matter.
Best Regards
Chantell
The Consumer Friend Team
Consumer Friend's reply02 Aug 2023, 15:47
Official
Dear Elaine
We hope you are well and can confirm that a response was supp**** to both you and the debt counsellor on record.
As indicated in our in-depth offline response to you, the account was calculated correctly from date of handover to our offices since August 2020 till current. We confirm that all payments done by you were taken into account, along with the required interest in terms of the debt review negotiations.
Please bear in mind that in most cases when a debt review account is referred to our offices, our clients do place a debt review block, along with a hold on all future interest, from inception of debt review, within their space. This is to allow for our offices to administer and negotiate debt review interest on their behalf, within our space. Once the account settles at the required interest on our side, we inform the debt counsellor on record and are happy to issue a paid-up letter.
In light of the above, we confirm that the account indeed was not yet settled, and the balance as indicated in our statements were correct. As advised above, interest is placed on hold on the creditor side, which explains why the balance on their end settled prematurely. This does not mean the account is settled in full, as interest unfortunately has to be accommodated for.
We also did advise in our correspondence that the agent on RCS side, were in fact supposed to refer you back to our offices in relation to the account, which did not occur.
In light of the above, and to act in good faith, we have agreed to close the account.
Our team will keep in contact with you to finalize the matter.
Best Regards
Chantell
The Consumer Friend Team
We hope you are well and can confirm that a response was supp**** to both you and the debt counsellor on record.
As indicated in our in-depth offline response to you, the account was calculated correctly from date of handover to our offices since August 2020 till current. We confirm that all payments done by you were taken into account, along with the required interest in terms of the debt review negotiations.
Please bear in mind that in most cases when a debt review account is referred to our offices, our clients do place a debt review block, along with a hold on all future interest, from inception of debt review, within their space. This is to allow for our offices to administer and negotiate debt review interest on their behalf, within our space. Once the account settles at the required interest on our side, we inform the debt counsellor on record and are happy to issue a paid-up letter.
In light of the above, we confirm that the account indeed was not yet settled, and the balance as indicated in our statements were correct. As advised above, interest is placed on hold on the creditor side, which explains why the balance on their end settled prematurely. This does not mean the account is settled in full, as interest unfortunately has to be accommodated for.
We also did advise in our correspondence that the agent on RCS side, were in fact supposed to refer you back to our offices in relation to the account, which did not occur.
In light of the above, and to act in good faith, we have agreed to close the account.
Our team will keep in contact with you to finalize the matter.
Best Regards
Chantell
The Consumer Friend Team
Consumer Friend's replyOfficial
05 Sept 2023, 13:22Good day Elaine,
Trust you are well.
Please note the account has been updated to paid up and letter issued to you.
We confirm the matter is resolved.
Kind Regards
Maheshree
Consumer Friend Team
Trust you are well.
Please note the account has been updated to paid up and letter issued to you.
We confirm the matter is resolved.
Kind Regards
Maheshree
Consumer Friend Team
Consumer Friend's reply05 Sept 2023, 13:22
Official
Good day Elaine,
Trust you are well.
Please note the account has been updated to paid up and letter issued to you.
We confirm the matter is resolved.
Kind Regards
Maheshree
Consumer Friend Team
Trust you are well.
Please note the account has been updated to paid up and letter issued to you.
We confirm the matter is resolved.
Kind Regards
Maheshree
Consumer Friend Team
Consumer Friend's replyOfficial
05 Sept 2023, 15:37Dear Elaine
Hope you are doing well.
As explained in the previous correspondence above, interest has to be accounted for as per the statement that was issued from our offices. As soon as the account is referred to our offices to administer in the debt review space, interest is placed on hold on the creditor side, which explains why the statement on their end reflected settled and even a credit prematurely.
The account in itself is not settled and still reflected a balance due, however as a gesture of good faith our offices have written off the balance (interest) and issued the paid-up letter regardless. Unfortunately, we were unable to arrange for the refund to be paid as per RCS system, as this refund was based on the account at zero percent interest since inception on RCS side / not on our side and as explained above this is due to interest that were placed on hold.
All enquiries relating to debt review accounts that we administer on behalf of our clients, should be directed to our offices as per the mandate referred to the debt counsellor, which includes this account.
In terms of payments, the last payment that came in, was on 24.08.2023 for the amount of R220.00. The rest of the balance on the account was written off and the account was marked as paid up on 31.08.2023.
Any further payments directed to us for the account hereafter, will be returned.
Kind Regards
Chantell
The Consumer Friend Team
Hope you are doing well.
As explained in the previous correspondence above, interest has to be accounted for as per the statement that was issued from our offices. As soon as the account is referred to our offices to administer in the debt review space, interest is placed on hold on the creditor side, which explains why the statement on their end reflected settled and even a credit prematurely.
The account in itself is not settled and still reflected a balance due, however as a gesture of good faith our offices have written off the balance (interest) and issued the paid-up letter regardless. Unfortunately, we were unable to arrange for the refund to be paid as per RCS system, as this refund was based on the account at zero percent interest since inception on RCS side / not on our side and as explained above this is due to interest that were placed on hold.
All enquiries relating to debt review accounts that we administer on behalf of our clients, should be directed to our offices as per the mandate referred to the debt counsellor, which includes this account.
In terms of payments, the last payment that came in, was on 24.08.2023 for the amount of R220.00. The rest of the balance on the account was written off and the account was marked as paid up on 31.08.2023.
Any further payments directed to us for the account hereafter, will be returned.
Kind Regards
Chantell
The Consumer Friend Team
Consumer Friend's reply05 Sept 2023, 15:37
Official
Dear Elaine
Hope you are doing well.
As explained in the previous correspondence above, interest has to be accounted for as per the statement that was issued from our offices. As soon as the account is referred to our offices to administer in the debt review space, interest is placed on hold on the creditor side, which explains why the statement on their end reflected settled and even a credit prematurely.
The account in itself is not settled and still reflected a balance due, however as a gesture of good faith our offices have written off the balance (interest) and issued the paid-up letter regardless. Unfortunately, we were unable to arrange for the refund to be paid as per RCS system, as this refund was based on the account at zero percent interest since inception on RCS side / not on our side and as explained above this is due to interest that were placed on hold.
All enquiries relating to debt review accounts that we administer on behalf of our clients, should be directed to our offices as per the mandate referred to the debt counsellor, which includes this account.
In terms of payments, the last payment that came in, was on 24.08.2023 for the amount of R220.00. The rest of the balance on the account was written off and the account was marked as paid up on 31.08.2023.
Any further payments directed to us for the account hereafter, will be returned.
Kind Regards
Chantell
The Consumer Friend Team
Hope you are doing well.
As explained in the previous correspondence above, interest has to be accounted for as per the statement that was issued from our offices. As soon as the account is referred to our offices to administer in the debt review space, interest is placed on hold on the creditor side, which explains why the statement on their end reflected settled and even a credit prematurely.
The account in itself is not settled and still reflected a balance due, however as a gesture of good faith our offices have written off the balance (interest) and issued the paid-up letter regardless. Unfortunately, we were unable to arrange for the refund to be paid as per RCS system, as this refund was based on the account at zero percent interest since inception on RCS side / not on our side and as explained above this is due to interest that were placed on hold.
All enquiries relating to debt review accounts that we administer on behalf of our clients, should be directed to our offices as per the mandate referred to the debt counsellor, which includes this account.
In terms of payments, the last payment that came in, was on 24.08.2023 for the amount of R220.00. The rest of the balance on the account was written off and the account was marked as paid up on 31.08.2023.
Any further payments directed to us for the account hereafter, will be returned.
Kind Regards
Chantell
The Consumer Friend Team
Consumer Friend's replyOfficial
08 Sept 2023, 09:35Dear Elaine
As advised above, the account interest consented to under the debt review process was 13.84%.
The only reason RCS store did not reflect interest on their side, is because the interest was placed on hold in order for our offices to administer the account on their behalf. Had the account not been under the debt review process, it would have continued to run interest on the contractual interest rate and would not have been placed on hold.
RCS have advised our offices that they have arranged for an to get in touch with you last week as well to advise that they are willing to write off the debt review balance, they issued the paid-up letter and confirmed that no refund is due.
The account has since been closed on our side as settled and we no longer administer the account.
You are welcome to reach out to RCS for further assistance.
Kind Regards
Chantell
The Consumer Friend Team
As advised above, the account interest consented to under the debt review process was 13.84%.
The only reason RCS store did not reflect interest on their side, is because the interest was placed on hold in order for our offices to administer the account on their behalf. Had the account not been under the debt review process, it would have continued to run interest on the contractual interest rate and would not have been placed on hold.
RCS have advised our offices that they have arranged for an to get in touch with you last week as well to advise that they are willing to write off the debt review balance, they issued the paid-up letter and confirmed that no refund is due.
The account has since been closed on our side as settled and we no longer administer the account.
You are welcome to reach out to RCS for further assistance.
Kind Regards
Chantell
The Consumer Friend Team
Consumer Friend's reply08 Sept 2023, 09:35
Official
Dear Elaine
As advised above, the account interest consented to under the debt review process was 13.84%.
The only reason RCS store did not reflect interest on their side, is because the interest was placed on hold in order for our offices to administer the account on their behalf. Had the account not been under the debt review process, it would have continued to run interest on the contractual interest rate and would not have been placed on hold.
RCS have advised our offices that they have arranged for an to get in touch with you last week as well to advise that they are willing to write off the debt review balance, they issued the paid-up letter and confirmed that no refund is due.
The account has since been closed on our side as settled and we no longer administer the account.
You are welcome to reach out to RCS for further assistance.
Kind Regards
Chantell
The Consumer Friend Team
As advised above, the account interest consented to under the debt review process was 13.84%.
The only reason RCS store did not reflect interest on their side, is because the interest was placed on hold in order for our offices to administer the account on their behalf. Had the account not been under the debt review process, it would have continued to run interest on the contractual interest rate and would not have been placed on hold.
RCS have advised our offices that they have arranged for an to get in touch with you last week as well to advise that they are willing to write off the debt review balance, they issued the paid-up letter and confirmed that no refund is due.
The account has since been closed on our side as settled and we no longer administer the account.
You are welcome to reach out to RCS for further assistance.
Kind Regards
Chantell
The Consumer Friend Team