Creditors hounding me but Debt Busters say they negotiated with them

It does not seem to me that DebtBusters actually care about their clients. What they’re most concerned about is their fees being paid…it’s just another sale for them. Nothing else is important.

They kept contacting me telling me they can help me reduce my instalments but I was not interested for the longest time. But I kept getting sms from them saying I could pay reduced instalments on my credit agreements so I eventually thought I would check it out. Initially the lady I spoke to was very helpful and answered all my questions but failed to disclose on that call that the first two instalments would go towards their fees and that my creditors would not be paid for two months. I remember specifically asking her if signing up would negatively affect my credit rating and she assured me that it would not. Only after I’ve gone through the entire application process and they went through the terms and conditions was I told that the first two instalments would be going to them and not to my creditors. And the way it was mentioned was as if it’s no big deal. I thought it was no problem because they said they would negotiate with my creditors on my behalf.

In December I get an sms for my clothing account saying I missed a payment. I called Debt Busters and asked why I would get such communication if they supposedly informed my creditors of my debt being under review. Was casually told to ignore the sms cos the creditor just wants me to pay to them directly. I had a bad feeling about that response but decided to give them the benefit of the doubt. Fast forward to today, I get a letter of demand for my vehicle finance saying I’m in arrears and run the risk of having my vehicle repossessed.

I called the bank and asked if they are not aware that my debt is under review. The guy said it shows on the system but it does not show when they will be paid so I needed to find that out from my counselor. Surely, in my mind, if Debt Busters said they negotiated with my creditors I would assume it common sense that during that negotiation process the creditors would be told that they will need to hold off on wanting payment for 2 months while Debt Busters first paid themselves??!!! So now I’m stressed, getting uncomfortable correspondence from creditors. And because of all this mess my credit score has now gone down from 642 to 626.

I sent an email this morning to them and till now no one could be bothered responding or giving me a call to put me at ease. And why should they, because they’ve been paid.

I’m actually so disappointed and regret ever entertaining them. I’m on edge about what lies ahead in the coming months.