Cotton ON or the RCS group are quick to request money but never willing to fix their **** ups.

What bad experience i have had with cotton on so far( only had an acccount with them for one month,but problems are never ending and never resolved). I was given credit of about R3000 i was given a pre-agreement that said i would pay R346.21 if i used the maximum credit of the R3000 in a period of 12 months. I used R1600 from the credit given and I paid R400 for the month of August. BUt then i was sent a statement that the payment due for the month of August was R510, so they further debited an amount of R110 on my account, i called into the call center that very same day they debited the amount to ask why is R110 debited from my account and they explained that is was fro my monthly installment i explained that i had already R400 and i was told to reverse the R110 as they did receive the R400 i had paid before they debited my account so the debit order was a mistake. So a few days later i received messages telling me that my account was in arrears and that i had to pay the R110 again immediately. SO i called in to ask why i had to pay the R110 and why was my installment R510 when i did not even use the entire credit of R3000 and the pre-agreement said i would pay less than that monthly in a period of 12 months which the amount i was given was inclusive of monthly service fees and insurance, the person i spoke to that day told me it made no sense and she will logg an inquiry to accounts for me and get back to me, of which she never did, i kept calling in to get an answer why am i paying that much and no one could come up with an answer and i kept receiving sms's and letters that i owe R528 now and it is due immediately my account is in arrears, i continued to call in to get answers as to what the R528 was for and i was told it was installment for September 2018, so i asked why am i getting letters to pay that amount already and still no one could answer. So today i called ina again to try get answers of which i could not get answers still. I then later received a call from collections to tell me i have an outstanding amount of R528, i asked why as it is not September as yet and i paid my account for August already and continued to ask why was i charged an amount of R510 for August when i never used the entire credit and she said she does not understand why and transferred me to someone else to explain. So this person i was transferred to told me that The amount of R528 is for month of September and that the reason why i had to pay R510 for August was because the type of plan i was on which is a month plan not 24months that is why my installments are so high, and she further advised that my credit limit was now decreased to 1650 due to my account being i arrears of the R110, so i asked why was my plan different to what the agreement was of which was 12months even the papers they sent me said 12months,she could not explain what happened and said to increase my credit limit i would need to apply and that can only happen in 4months from now since my account is new. NO one can explain what happened and why there were changes done to my account with out my agreement and no one is willing to rectify it, now my name is already bad with the creditors and cotton on is not willing to fix this since it was their mistake and they are not willing to assist with fixing the credit amount on my account and not willing to look into the agreement details and rectify that either. Cotton ON does not take care of their customers I would not advise anyone to open an account with them, because even when you go into store everyone is clueless and always passing the buck not willing to fix a problem.