DEBT HELP ****MERS

I was called on Monday 24th June 2024 by Zweli Mabuza and Belinda Skosana whom they said are working for NCR and their mandate is to help consumers who are overly charged by Creditors. They further said I am paying 45% interest rate instead of 12% as stipulated by government . I asked why I am being told about this now whereas I am almost finishing my debts, Belinda said not everyone get called but those who maintained a good tracking record of paying their debts are mostly considered. he then called his supervisor Ms Belinda Skosana to give more details Ms Belinda read to me all my debts and their balances, the initial amount of installment and current balance owing, she said I shouldn’t be paying those installments as they are a reap off. She then give me a recalculated installments with 12% interest. I asked her if this is not a Credit Administration she said no it is not but Credit Regulation to assist me. She said this will even increase my credit score since I will be paying the correct amounts. She said there are 4 types of debt categories And assured me this is not Administration and nothing will be changing from my side I will continue make payments as I have been doing, the only difference is that I will pay amounts that are now 12%. She assured me many times that this call is about helping consumers to pay the correct amounts as creditors are overcharging. I said to her I am in plans of buying a car and I don’t want anything that will affect my credit score as I am working so hard to clear my name and be able to afford a car. If this is about credit review Administration I don’t want it, she said no it is not. She insisted that she works for National Credit Regulations and it is the companies mandate to help consumers who pays more than they should without them knowing. When I ask her what is her benefit on this she said, “This is my job I get paid for” referring to NCR.

I RELUCTANTLY BELIEVE HER, but I was still not convinced.

She then calculate my debts total amount of installments I should be paying monthly and gave me lump sum, And she said the next step is that I must approve mandate on my banking app Of which I asked her why my banking app now, what is it that I am approving is she debiting any amount and what is it for since she said she does not want any payments from me. She said its for them to advise the bank that my debts are recalculated. I said but creditors are payed through debit orders why it is you advising my bank instead of creditors changing the amounts they should debit, that does not require bank to approve She said since it is now regulated my bank should be in the know. Oi was never happy about but I comp****. As I approve the mandate it said I have approved DEBT REVIEW, I soon asked Ms Belinda why it says this, her response was don’t worry about it is because my debt are now regulated but there’s no need to panic

At this point I was completely not as easy as I was not trusting her. It was at this time that she revealed that she working with a company called DH Consulting and their operating as NCRDC 3517, I f I want to know more about them.

She said someone will call me and I must upload my copy of ID and bank statement or payslip. She will then inform all my creditors of recalculated amounts and period of time left for me to pay since I have been over paying the period will also be recalculated. She will send letters to all creditors and myself so I will know what is happening and she will send document that SHE made me sign on my cell phone.

After our conversation, I googled this and I met with huge surprise that this is indeed credit review company, but I was not understanding much about it. I then called Zweli Mabuza to cancel it he said there is nothing sinister they will never let me down I must give them at least a week so I can see that this is not DEBT REVIEW.

On Friday 28th June I received a call from cancellation desk of DEBT HELP telling me that for them to cancel my agreement with them I must pay cancellation fee of R750.00 and it’s the only way they can help me with. When I asked why must I pay for something I never wanted from the first place the lady said why did I accepted something I do not know, why I did not research about the company. she did not want to hear my side of the story.

I received an email short after that with a letter stipulating the companies mandate and I SHOCKED to realise that this is not NCR . I immediately send an email asking for cancellation with immediate effect and no response was sent back instead Ms Belinda called again and assured me that this has nothing to do with DEBT REVIEW they are Regulating the creditors I should not cancel, this is to help me. I confronted her of research and I said I spoke with my husband who asked me to cancel this as we are planning for so many thing and this will affect both of us. Ms Belinda said it will not I should give her a chance.

She then ask me to send ID and Bank Statement of which I did not send. On Thursday the 27th June I called NCR to ask if they have a staff members by the names of Mr Zeli Mabuza or Ms Belinda Skosana, no one knew them and I further ask about this company and I relayed my story, I was then told that the company DEBT HELP has registered me under Debt Review, and I was given the forms to fill and send back to them so they can start their investigation. I decided to confirm what I’ve been told by NCR by going to African Bank to apply for loan and the response was devastating, it said I can no longer apply for credit as I app**** for credit review.

I did not pay the amount of R750 .00 FOR CANCELLATION SINCE I DO NOT HAVE IT. HOW EVER I WOULD APPRECIATE IF I CAN RECEIVE JUSTICE.

EXPECTED OUTCOME: 1. Where did Ms Belinda and Mr Zweli Mabuza got my contact numbers 2. Where did they know about all my Creditors, Debts and all my balances and initial amounts of money

I was misled by Zweli Mabuza and his supervisor Ms Belinda . I am a victim of this company yet they refuse to take responsibility and still wants me to pay more money to them.

I am managing all my debts and I am fine with that Ms Belinda was made aware of that.

how can this be stopped. who to further report this, the most painful thing I've experienced. they have buried me alive.