Formal Complaint, Immediate Cancellation and Request for Refund

To Whom It May Concern,

I am writing to lodge a formal complaint regarding the services provided by Credit Fix (Vuka Credit Fix) and to demand the immediate cancellation of my agreement as well as a full refund of all amounts debited from my account.

When I joined your service several months ago, I did so based on the representations made to me during the sales process. I was informed that Credit Fix would actively assist me in improving my credit profile by engaging with creditors and suppliers, negotiating on my behalf, and taking meaningful steps to clear or improve my credit record. These representations formed the basis of my decision to join your service and agree to pay a monthly fee of R695.

Unfortunately, despite faithfully meeting my obligation to make monthly payments, the services that were promised to have not been delivered. To date, I have not received any meaningful assistance, tangible results, or satisfactory progress reports demonstrating that Credit Fix has performed the services for which I have been paying.

The only feedback I have consistently received is that conference calls would be arranged with certain suppliers. However, these conference calls never materialized, and months have passed without any concrete progress or evidence of work being done on my behalf. The promises made during the sign-up process have simply not been fulfilled.

In terms of any service agreement, there are obligations on both parties:

The client's obligation is to pay for the service. The service provider's obligation is to render the agreed service with reasonable care, skill, and diligence.

I have honored my side of the agreement by paying the required monthly fee. However, Credit Fix has failed to provide the services that induced me to enter into the agreement in the first place.

On 06 October 2026, I contacted your offices and requested the cancellation of my agreement due to the lack of service and progress. I was informed that the cancellation process would take up to 30 days. I do not accept this position under the circumstances. Where a service provider has failed to deliver the services contracted for, it is unreasonable to continue charging a consumer for a service that is not being rendered.

Furthermore, the Consumer Protection Act 68 of 2008 (CPA) provides consumers with the right to receive services that are performed in a timely manner and are of a quality that persons are generally entitled to expect. Where services are not provided as agreed, consumers are entitled to appropriate remedies, which may include cancellation and a refund.

I therefore formally request the following:

Immediate cancellation of my agreement with Credit Fix. Immediate cessation of all debits and collections against my account. A detailed written breakdown of all work allegedly performed on my behalf since inception of the agreement. Documentary proof of any engagements, negotiations, or interventions carried out with creditors or suppliers. A full refund of all fees paid by me to date, unless Credit Fix can provide verifiable evidence that meaningful services were rendered in accordance with the agreement.

Should Credit Fix maintain that services were provided, I require proof of:

Which suppliers were contacted. The dates of such engagements. The outcomes achieved. Any measurable benefit obtained on my behalf.

In the absence of such evidence, I consider Credit Fix to be in breach of its obligations under our agreement, and I expect a full refund of all monies paid.

Please calculate the total amount I have paid to date and arrange reimbursement without delay. If this matter is not resolved satisfactorily, I reserve all my rights to escalate the complaint to the National Consumer Commission, my bank, relevant consumer protection bodies, and any other appropriate regulatory or legal channels.

It is unfair and unacceptable for consumers to continue being debited month after month while receiving little to no benefit from the service for which they are paying. I work hard for my income and cannot justify continuing to pay R695 per month for a service that has not delivered on its promises.

I expect a written response within 7 days of receipt of this complaint confirming the cancellation of my agreement and setting out the steps that will be taken to refund my money.

Kind regards,

Nolu Desemela ***