1 reviews | Active since Sept 2009
Worst Nightmare of my life, and I am not exaggerating
If there was a -5 score I would give them. I have never been so traumatized by a service. Dont sign up t. The anything with these guys. Don't believe even the positive feedback, its probably **** or was done by their employees.
Here is my story, I did a debt review enquiry with Debt Busters. But never went through with it. But that enquiry created a red flag on my name. Credit Consult SA called me a month later with an offer to remove the redflag. I told them I can afford paying my debts I dont need a debt review. They said its not a debt review, its a debt mediation. BUT they said in order for me to remove the debt review enquiry flag I need to sign up, where they would restructure. I agreed reluctantly as all I needed was removal of red flag, not an ongoing help from them. I needed a once off help. They said I shouldnt worry. We setup a De*****eck for R10 000.00 on my account. From what they told me this would be paid to my 4 creditors(even though I didnt need assistance with this) then they will clear the redflag. R1000.00 went off, my debit orders also went off. Meaning now my account was overdrawn by 10k. I asked them to fix this, they suddenly changed, they were no longer friendly. I then asked them to cancel the whole thing. I am telling you from 7th March I have sent about 5emails requesting they cancel and send me proof. They kept on ignoring me and delaying, eventually they send me proof on 24th March , then another R10 000 went off my account today(25th March) . I am asking they reverse this as well they are ignoring me now. That's R20 000.00 Now I am seriously in debt due to my debit orders that haven't gone through. What makes it worse is that their De*****eck mandate cannot be reversed by the bank. Hence the arrogant and they can simply tell you they wont refund, because they know there is nothing you can do if they want to give you back your money.
DO NOT , I REPEAT DO NOT SIGNUP ANYTHING WITH THIS FLY-BY-NIGHT COMPANY
in response to this review from CCSA
1. we are not a fly by night company - and you approved this application, approved the mandate and signed the application - WOULD A FLY BY NIGHT LET YOU SIGN DOCS????
2. With regards to the payment that went off today - THIS WAS AN ERROR - WE WILL PROCESS YOUR REFUND AND ENSURE THE FULL R10 000 (if thats the amount that was deducted) gets paid back to you
3. Your first payment is for work done on your application - For which we have proof of
4. consumers do not realise that companies incur costs running application
WE DO APOLOGISE FOR THE DEBIT ORDER BEING TAKEN FROM YOUR ACCOUNT AGAIN - ONCE AGAIN THIS WAS IN ERROR - PLEASE FORWARD THE BANK STATEMENT AND IT WILL BE REFUNDED TO YOU
Thank you
in response to this review from CCSA
1. we are not a fly by night company - and you approved this application, approved the mandate and signed the application - WOULD A FLY BY NIGHT LET YOU SIGN DOCS????
2. With regards to the payment that went off today - THIS WAS AN ERROR - WE WILL PROCESS YOUR REFUND AND ENSURE THE FULL R10 000 (if thats the amount that was deducted) gets paid back to you
3. Your first payment is for work done on your application - For which we have proof of
4. consumers do not realise that companies incur costs running application
WE DO APOLOGISE FOR THE DEBIT ORDER BEING TAKEN FROM YOUR ACCOUNT AGAIN - ONCE AGAIN THIS WAS IN ERROR - PLEASE FORWARD THE BANK STATEMENT AND IT WILL BE REFUNDED TO YOU
Thank you
Anyway I run a company as well, so I know companies incur costs, I am not oblivious to that.
I am told R10k went to Administration FEE. What is that?
The guy who convinced me mislead me. I told him, I DO NOT NEED HELP WITH MY DEBTS, I even said to him I am getting a bonus soon so debt payment is not what I need. But he kept going the only way to remove the Debt enquiry red flag is going through the process where they do the mediation. IS THAT THE HONEST TRUTH? I am told recently that some companies can remove red flat with a once off fee , and this has nothing to do with your debts and there is no ongoing interaction between you the consumer and the company. Imagine loosing R10k just like that. Even you as you respond I doubt you can afford loosing R10k in one month. You are just responding to protect the image of your company.
Now lets look at your contract it says: First installment is payable to debt mediator. By the way this was not explained in the call, feel free to prove me otherwise. Apparently this R10 000.00 fee in my case is "processing of my application and attending to negotiations with my credit providers on my behalf". KINDLY SHARE WITH ME PROOF THAT YOU CONTACTED CAPITEC BANK AND RE-ARRANGED PAYMENT OF MY 3 LOANS.
Lastly please listen to the recorded call where the gentlemen persuaded me to sign in with you guys.
Anyway I run a company as well, so I know companies incur costs, I am not oblivious to that.
I am told R10k went to Administration FEE. What is that?
The guy who convinced me mislead me. I told him, I DO NOT NEED HELP WITH MY DEBTS, I even said to him I am getting a bonus soon so debt payment is not what I need. But he kept going the only way to remove the Debt enquiry red flag is going through the process where they do the mediation. IS THAT THE HONEST TRUTH? I am told recently that some companies can remove red flat with a once off fee , and this has nothing to do with your debts and there is no ongoing interaction between you the consumer and the company. Imagine loosing R10k just like that. Even you as you respond I doubt you can afford loosing R10k in one month. You are just responding to protect the image of your company.
Now lets look at your contract it says: First installment is payable to debt mediator. By the way this was not explained in the call, feel free to prove me otherwise. Apparently this R10 000.00 fee in my case is "processing of my application and attending to negotiations with my credit providers on my behalf". KINDLY SHARE WITH ME PROOF THAT YOU CONTACTED CAPITEC BANK AND RE-ARRANGED PAYMENT OF MY 3 LOANS.
Lastly please listen to the recorded call where the gentlemen persuaded me to sign in with you guys.
Now I am going after the R10 000.00 you took in February yet have nothing to show for it. NO service proven that you have done for me (I am still waiting to see what the R10k paid for). I will not give up until some of this money is paid or all of it. I will come back to update this post.
I have never been ****med before and this wont be the first time , this is not a treat. Every company that has given me bad service always has to pay for that. I will make you guys pay, I promise you.
Have a good day.
Now I am going after the R10 000.00 you took in February yet have nothing to show for it. NO service proven that you have done for me (I am still waiting to see what the R10k paid for). I will not give up until some of this money is paid or all of it. I will come back to update this post.
I have never been ****med before and this wont be the first time , this is not a treat. Every company that has given me bad service always has to pay for that. I will make you guys pay, I promise you.
Have a good day.