FK
Fathima K
1 reviews | Active since Oct 2023
03 Sept 2024, 12:08
Consumer friend - +-R91 000 interest since 2019
To date, I have paid Consumer Friend, +-R91 000 interest since 2019. I do not have a debt counsellor anymore, and have asked on numerous occasions to negotiate my debt. They refuse to help keeping saying that they cannot help cos I have a debt counsellor, even after providing paperwork confirming that I do not have one anymore & would like to pay my account direct. Its not like I am moving away from my responsibility, but how are we ever going to finish our account when we have companies like this who refuse to help & provide some understanding.
Helpful (0)
Replies (9)0
Replies (9)
Consumer Friend's replyOfficial
03 Sept 2024, 12:44Good day Fathima K,
Thank you for inquiry below.
Please note our system reflects that you are currently active within debt review.
Consumer Friend administers the debts on behalf of the respective credit providers within the debt review process.
In terms of the process, restructuring negotiations can only be negotiated with the debt counsellor.
Our system reflects that your debt counsellor did attempt to negotiate a restructure on your accounts however the proposal supp**** at the time was invalid due to missing details.
Kindly be advised although the debt counsellor has suspended services, their office will remain your debt counsellor on record.
In respect of the account balances, please note all payments receipted have been app**** to your accounts accordingly.
Upon investigation we have established although you have been making payments, however the payments receipted have been insufficient in respect of interest applicable.
We advise an investigation will be conducted to establish how we may best assist you in the interim.
Kind Regards
Maheshree
Consumer Friend Team
Thank you for inquiry below.
Please note our system reflects that you are currently active within debt review.
Consumer Friend administers the debts on behalf of the respective credit providers within the debt review process.
In terms of the process, restructuring negotiations can only be negotiated with the debt counsellor.
Our system reflects that your debt counsellor did attempt to negotiate a restructure on your accounts however the proposal supp**** at the time was invalid due to missing details.
Kindly be advised although the debt counsellor has suspended services, their office will remain your debt counsellor on record.
In respect of the account balances, please note all payments receipted have been app**** to your accounts accordingly.
Upon investigation we have established although you have been making payments, however the payments receipted have been insufficient in respect of interest applicable.
We advise an investigation will be conducted to establish how we may best assist you in the interim.
Kind Regards
Maheshree
Consumer Friend Team
Consumer Friend's reply03 Sept 2024, 12:44
Official
Good day Fathima K,
Thank you for inquiry below.
Please note our system reflects that you are currently active within debt review.
Consumer Friend administers the debts on behalf of the respective credit providers within the debt review process.
In terms of the process, restructuring negotiations can only be negotiated with the debt counsellor.
Our system reflects that your debt counsellor did attempt to negotiate a restructure on your accounts however the proposal supp**** at the time was invalid due to missing details.
Kindly be advised although the debt counsellor has suspended services, their office will remain your debt counsellor on record.
In respect of the account balances, please note all payments receipted have been app**** to your accounts accordingly.
Upon investigation we have established although you have been making payments, however the payments receipted have been insufficient in respect of interest applicable.
We advise an investigation will be conducted to establish how we may best assist you in the interim.
Kind Regards
Maheshree
Consumer Friend Team
Thank you for inquiry below.
Please note our system reflects that you are currently active within debt review.
Consumer Friend administers the debts on behalf of the respective credit providers within the debt review process.
In terms of the process, restructuring negotiations can only be negotiated with the debt counsellor.
Our system reflects that your debt counsellor did attempt to negotiate a restructure on your accounts however the proposal supp**** at the time was invalid due to missing details.
Kindly be advised although the debt counsellor has suspended services, their office will remain your debt counsellor on record.
In respect of the account balances, please note all payments receipted have been app**** to your accounts accordingly.
Upon investigation we have established although you have been making payments, however the payments receipted have been insufficient in respect of interest applicable.
We advise an investigation will be conducted to establish how we may best assist you in the interim.
Kind Regards
Maheshree
Consumer Friend Team
FK
Fathima K's updateReviewer Update
03 Sept 2024, 12:55This is exactly what I have been asking for how you can assist with reducing the account without paying this huge amount of interest. I am aware that my debt counsellor did not conclude the restructure process and this the reason why I am no longer with them. I will aware your response.
FK
Fathima K's update03 Sept 2024, 12:55
Reviewer Update
This is exactly what I have been asking for how you can assist with reducing the account without paying this huge amount of interest. I am aware that my debt counsellor did not conclude the restructure process and this the reason why I am no longer with them. I will aware your response.
FK
Fathima K's updateReviewer Update
03 Sept 2024, 12:56 This is exactly what I have been asking for how you can assist with reducing the account without paying this huge amount of interest. I am aware that my debt counsellor did not conclude the restructure process and this the reason why I am no longer with them. I will await your response.
FK
Fathima K's update03 Sept 2024, 12:56
Reviewer Update
This is exactly what I have been asking for how you can assist with reducing the account without paying this huge amount of interest. I am aware that my debt counsellor did not conclude the restructure process and this the reason why I am no longer with them. I will await your response.
Consumer Friend's replyOfficial
03 Sept 2024, 13:14Good day Fathima,
Thank you for your response.
We advise an email has been directed to you concerning the matter.
Kindly note feedback will be provided accordingly.
Kind Regards
Maheshree
Consumer Friend Team
Thank you for your response.
We advise an email has been directed to you concerning the matter.
Kindly note feedback will be provided accordingly.
Kind Regards
Maheshree
Consumer Friend Team
Consumer Friend's reply03 Sept 2024, 13:14
Official
Good day Fathima,
Thank you for your response.
We advise an email has been directed to you concerning the matter.
Kindly note feedback will be provided accordingly.
Kind Regards
Maheshree
Consumer Friend Team
Thank you for your response.
We advise an email has been directed to you concerning the matter.
Kindly note feedback will be provided accordingly.
Kind Regards
Maheshree
Consumer Friend Team
Consumer Friend's replyOfficial
04 Sept 2024, 15:41Good day Fathima,
Thank you for taking my call.
As per telecom we advise your accounts have been assessed and we are unable to assist in reducing the balance.
A detailed email will be directed to you shortly.
Kindly be advised in terms of the debt review process, our office is unable to negotiate with you directly in respect of interest charged on your accounts.
You are advised to contact the debt counsellor on record for assistance or seek counsel from another debt counsellor.
We confirm inquiry herein is resolved.
Kind Regards
Maheshree
Consumer Friend Team
Thank you for taking my call.
As per telecom we advise your accounts have been assessed and we are unable to assist in reducing the balance.
A detailed email will be directed to you shortly.
Kindly be advised in terms of the debt review process, our office is unable to negotiate with you directly in respect of interest charged on your accounts.
You are advised to contact the debt counsellor on record for assistance or seek counsel from another debt counsellor.
We confirm inquiry herein is resolved.
Kind Regards
Maheshree
Consumer Friend Team
Consumer Friend's reply04 Sept 2024, 15:41
Official
Good day Fathima,
Thank you for taking my call.
As per telecom we advise your accounts have been assessed and we are unable to assist in reducing the balance.
A detailed email will be directed to you shortly.
Kindly be advised in terms of the debt review process, our office is unable to negotiate with you directly in respect of interest charged on your accounts.
You are advised to contact the debt counsellor on record for assistance or seek counsel from another debt counsellor.
We confirm inquiry herein is resolved.
Kind Regards
Maheshree
Consumer Friend Team
Thank you for taking my call.
As per telecom we advise your accounts have been assessed and we are unable to assist in reducing the balance.
A detailed email will be directed to you shortly.
Kindly be advised in terms of the debt review process, our office is unable to negotiate with you directly in respect of interest charged on your accounts.
You are advised to contact the debt counsellor on record for assistance or seek counsel from another debt counsellor.
We confirm inquiry herein is resolved.
Kind Regards
Maheshree
Consumer Friend Team
FK
Fathima K's updateReviewer Update
04 Sept 2024, 15:49I will never understand how, the client cannot negotiate their own debt. So as per the process, I am struck with paying the interest at 20% on this account and at some point, maybe pay towards my outstanding principle debt.
FK
Fathima K's update04 Sept 2024, 15:49
Reviewer Update
I will never understand how, the client cannot negotiate their own debt. So as per the process, I am struck with paying the interest at 20% on this account and at some point, maybe pay towards my outstanding principle debt.
Consumer Friend's replyOfficial
04 Sept 2024, 16:13Good day Fathima Bibi Khan,
Thank you for your response.
Please note debt review is a legal process and we are obliged to follow the rules accordingly.
You are encouraged to research the process to understand the rules accordingly.
Kind Regards
Maheshree
Consumer Friend Team
Thank you for your response.
Please note debt review is a legal process and we are obliged to follow the rules accordingly.
You are encouraged to research the process to understand the rules accordingly.
Kind Regards
Maheshree
Consumer Friend Team
Consumer Friend's reply04 Sept 2024, 16:13
Official
Good day Fathima Bibi Khan,
Thank you for your response.
Please note debt review is a legal process and we are obliged to follow the rules accordingly.
You are encouraged to research the process to understand the rules accordingly.
Kind Regards
Maheshree
Consumer Friend Team
Thank you for your response.
Please note debt review is a legal process and we are obliged to follow the rules accordingly.
You are encouraged to research the process to understand the rules accordingly.
Kind Regards
Maheshree
Consumer Friend Team
FK
Fathima K's updateReviewer Update
25 Sept 2024, 14:12And now Consumer friend have taken me off Debt review and handed my account to MBD attorneys, whose acting on behalf of Woolworths. Consumer friend to date has stated that the interest was charged as per my original agreement with Woolworths. A copy of this was requested, and I have been informed that they do not have this. I have requested if they agree with the amount paid, this also has not been confirmed.
FK
Fathima K's update25 Sept 2024, 14:12
Reviewer Update
And now Consumer friend have taken me off Debt review and handed my account to MBD attorneys, whose acting on behalf of Woolworths. Consumer friend to date has stated that the interest was charged as per my original agreement with Woolworths. A copy of this was requested, and I have been informed that they do not have this. I have requested if they agree with the amount paid, this also has not been confirmed.
Consumer Friend's replyOfficial
25 Sept 2024, 14:32Good day Ms Fathima Khan,
Thank you for inquiry.
Please note Consumer Friend only administers accounts within debt review on behalf of the Credit Providers as per our client mandate.
We do not place or remove consumer's from the debt review process.
As per our detailed emails to you, we advise your accounts have been terminated from debt review due to default in payments as we last received payments in May 2024 with respect to the accounts.
In light of the above, the account has been terminated in accordance with Section 86.10 of the National Credit Act 34 of 2005.
Further be advised the account was administered by our office as per the contractual obligations provided to our office by Woolworths in 2019 at the time of your debt review application.
In respect of the credit agreement requested, we advised this was signed when you originally obtained credit with Woolworths in the year "2000".
The Credit Provider has confirmed a copy of the agreement was provided to you at the time.
Unfortunately, you entered into these agreements years before applying for debt review hence we are not in receipt of the original documents hence Certificate of Balances provided with the respective details of the account.
The account balance is due and payable by you in accordance to the terms and conditions you have agreed to.
We confirm your inquiry has been resolved from our end, the accounts have since been terminated and are no longer mandated to our office.
Kind Regards
Maheshree
Consumer Friend Team
Thank you for inquiry.
Please note Consumer Friend only administers accounts within debt review on behalf of the Credit Providers as per our client mandate.
We do not place or remove consumer's from the debt review process.
As per our detailed emails to you, we advise your accounts have been terminated from debt review due to default in payments as we last received payments in May 2024 with respect to the accounts.
In light of the above, the account has been terminated in accordance with Section 86.10 of the National Credit Act 34 of 2005.
Further be advised the account was administered by our office as per the contractual obligations provided to our office by Woolworths in 2019 at the time of your debt review application.
In respect of the credit agreement requested, we advised this was signed when you originally obtained credit with Woolworths in the year "2000".
The Credit Provider has confirmed a copy of the agreement was provided to you at the time.
Unfortunately, you entered into these agreements years before applying for debt review hence we are not in receipt of the original documents hence Certificate of Balances provided with the respective details of the account.
The account balance is due and payable by you in accordance to the terms and conditions you have agreed to.
We confirm your inquiry has been resolved from our end, the accounts have since been terminated and are no longer mandated to our office.
Kind Regards
Maheshree
Consumer Friend Team
Consumer Friend's reply25 Sept 2024, 14:32
Official
Good day Ms Fathima Khan,
Thank you for inquiry.
Please note Consumer Friend only administers accounts within debt review on behalf of the Credit Providers as per our client mandate.
We do not place or remove consumer's from the debt review process.
As per our detailed emails to you, we advise your accounts have been terminated from debt review due to default in payments as we last received payments in May 2024 with respect to the accounts.
In light of the above, the account has been terminated in accordance with Section 86.10 of the National Credit Act 34 of 2005.
Further be advised the account was administered by our office as per the contractual obligations provided to our office by Woolworths in 2019 at the time of your debt review application.
In respect of the credit agreement requested, we advised this was signed when you originally obtained credit with Woolworths in the year "2000".
The Credit Provider has confirmed a copy of the agreement was provided to you at the time.
Unfortunately, you entered into these agreements years before applying for debt review hence we are not in receipt of the original documents hence Certificate of Balances provided with the respective details of the account.
The account balance is due and payable by you in accordance to the terms and conditions you have agreed to.
We confirm your inquiry has been resolved from our end, the accounts have since been terminated and are no longer mandated to our office.
Kind Regards
Maheshree
Consumer Friend Team
Thank you for inquiry.
Please note Consumer Friend only administers accounts within debt review on behalf of the Credit Providers as per our client mandate.
We do not place or remove consumer's from the debt review process.
As per our detailed emails to you, we advise your accounts have been terminated from debt review due to default in payments as we last received payments in May 2024 with respect to the accounts.
In light of the above, the account has been terminated in accordance with Section 86.10 of the National Credit Act 34 of 2005.
Further be advised the account was administered by our office as per the contractual obligations provided to our office by Woolworths in 2019 at the time of your debt review application.
In respect of the credit agreement requested, we advised this was signed when you originally obtained credit with Woolworths in the year "2000".
The Credit Provider has confirmed a copy of the agreement was provided to you at the time.
Unfortunately, you entered into these agreements years before applying for debt review hence we are not in receipt of the original documents hence Certificate of Balances provided with the respective details of the account.
The account balance is due and payable by you in accordance to the terms and conditions you have agreed to.
We confirm your inquiry has been resolved from our end, the accounts have since been terminated and are no longer mandated to our office.
Kind Regards
Maheshree
Consumer Friend Team