Utterly Disappointment

Good day Theresa Haman

Thank you for bringing this matter to our attention. 
Our team has reached out to you via email to request additional details that will help us locate your profile. Once we receive the necessary information, we’ll be able to investigate further and provide you with feedback as soon as possible. 
Kind regards
 Chantell
 The Consumer Friend Team 

Dear Theresa  Please note that at the start of your debt review process, our office received a Form 17.1 application from Debt Out Debt Counsellors, who are authorised to manage the process on your behalf.  Following this, the accounts were flagged for debt review. Specifically, the RCS Game account was blocked and interest frozen on RCS’s system from the date of activation. As we are mandated by RCS to manage the account, we apply the interest and recover payments in line with the debt review concession.  (This means whatever interest and instalments were negotiated between our offices and your Debt Counsellor.)  All balances and interest arrangements are communicated directly to your debt counsellor, who in turn should communicate with you. The DC is aware that the agreed interest rate on our system is 7.70% from the date the concession was granted. The store-level balance, which reflects no interest due to the freeze on their system, is not applicable. Had there be no debt review application in place, no freeze would occur and the full contractual interest of 19.50% would have app****.  For accurate balances, please refer only to our office.  We are aware that payments have been made at store level; these are forwarded to us by RCS and captured accordingly. However, the account is not yet settled in full. Once the outstanding balance is paid, we will be happy to issue a paid-up letter.  A statement has been issued to you to view payments received and how interest is app****. Kind regards
Chantell 
The Consumer Friend Team