LO
Lyall O'Carroll
1 reviews | Active since May 2013
23 Aug 2020, 11:05
You’ll be worse off than when you started!
Absolutely ******* - do not use. They were quick to return my enquiry and discuss a decreased payment amount but in 45 days they have not sent me an agreement, payment plan or anything other than getting me to setup a debt order for them.
I have on many, so many occasions mailed and called to get feedback and have had zero feedback to date. I did unfortunately get feedback from current debtors saying that no agreement had been reached with them.
I notified Debtline via phone and email still no feed back. In 45 days I have yet to hear from a councillor or anyone at all regarding any agreement with them..
Now my bank accounts have been frozen and I am worse off. And, because they kindly notified everyone I have no way of getting a small bridging loan and now find myself living my worst nightmare.
Debtline, i hope you are proud of yourselves and sleep well at night.
Helpful (0)
Replies (3)0
Replies (3)
Debtline Debt Specialists's replyOfficial
28 Aug 2020, 14:08Good day Lyall,
Thank you so much for your review and note that it's really not our intention to make any of our clients feel the way you do.
Please be advised that we have attempted to make contact with you on 2 occasions to discuss your complaint and would really like to do so as soon as possible.
Can you please reply to the mail we have sent you and provide us with your updated contact details so we can make contact with you in an attempt to resolve your complaint and provide you with peace of mind.
Kind regards,
Bruce.
Thank you so much for your review and note that it's really not our intention to make any of our clients feel the way you do.
Please be advised that we have attempted to make contact with you on 2 occasions to discuss your complaint and would really like to do so as soon as possible.
Can you please reply to the mail we have sent you and provide us with your updated contact details so we can make contact with you in an attempt to resolve your complaint and provide you with peace of mind.
Kind regards,
Bruce.
Debtline Debt Specialists's reply28 Aug 2020, 14:08
Official
Good day Lyall,
Thank you so much for your review and note that it's really not our intention to make any of our clients feel the way you do.
Please be advised that we have attempted to make contact with you on 2 occasions to discuss your complaint and would really like to do so as soon as possible.
Can you please reply to the mail we have sent you and provide us with your updated contact details so we can make contact with you in an attempt to resolve your complaint and provide you with peace of mind.
Kind regards,
Bruce.
Thank you so much for your review and note that it's really not our intention to make any of our clients feel the way you do.
Please be advised that we have attempted to make contact with you on 2 occasions to discuss your complaint and would really like to do so as soon as possible.
Can you please reply to the mail we have sent you and provide us with your updated contact details so we can make contact with you in an attempt to resolve your complaint and provide you with peace of mind.
Kind regards,
Bruce.
Debtline Debt Specialists's replyOfficial
01 Sept 2020, 12:45Good day Lyall,
Please note the email address I have is *** is this correct?
If not, please provide me with correct email and I'll gladly resend. Alternatively, please advise if I can give you a call anytime after 3pm.
Looking forward to your response.
Bruce.
Please note the email address I have is *** is this correct?
If not, please provide me with correct email and I'll gladly resend. Alternatively, please advise if I can give you a call anytime after 3pm.
Looking forward to your response.
Bruce.
Debtline Debt Specialists's reply01 Sept 2020, 12:45
Official
Good day Lyall,
Please note the email address I have is *** is this correct?
If not, please provide me with correct email and I'll gladly resend. Alternatively, please advise if I can give you a call anytime after 3pm.
Looking forward to your response.
Bruce.
Please note the email address I have is *** is this correct?
If not, please provide me with correct email and I'll gladly resend. Alternatively, please advise if I can give you a call anytime after 3pm.
Looking forward to your response.
Bruce.
LO
Lyall O'Carroll's updateReviewer Update
02 Sept 2020, 12:50Thank you for your kind response, will we be doing all future communication through HelloPeter or will you be using the details on file?
Please can I encourage you to rather use those as its far more efficient, I believe know that they have worked before as I keep mailing and you managed to use them well enough during your sales cycle or at least up until the bank authorization went through. I initially feared that they gotten lost when you sent them to your Debt Counselor as I am yet to hear from them, please would you check on that for both of us? In the interest of transparency, I do have a mail tracker on my email so I can see that emails are opened and read so that's not the case at all is it?
In the meantime I have found this information from Old Mutual and it would seem that you are following a very different process to what I believe to be industry standard. I attach the below for your and everyone else's benefit.
THE DEBT REVIEW PROCESSThe debt review process starts with you choosing and contacting a debt review company, but let’s assume that you have already approached a company and are about to start the debt counselling process.
PROVIDE DETAILThe first thing you are going to do is provide your debt counsellor with details of your income, monthly budget and debt commitments.
DEBT ASSESSMENTTo qualify for debt counselling, you need to be deemed over-indebted. So, in step 2, your debt counsellor will assess your total debt to determine if it is serious enough for you to need debt counselling.
CREATE A NEW BUDGETOnce it is clear that you need help with your debt, you’ll have a consultation with your debt counsellor. In this meeting, you’ll be given a new budget designed around a new repayment plan. Once you have agreed to this, your application will be accepted.
NEGOTIATION OF REPAYMENTSNext, your counsellor will contact your creditors to negotiate a repayment plan on your behalf. This plan may make use of negotiated fees, rate concessions and an extension of terms to put you in the best position to pay back all your debt.
PLAN APPROVALDebt review is a legal process, and in this step the contract makes the new payment plan binding. This protects you from potential increases in monthly instalments and commits you to meeting the new repayment plan.
IMPLEMENTATIONYou will start making payments according to your new repayment plan from your very first payday. Only one payment is made every month to the debt review company, who then pays your creditors.
COMPLETEOnce you have repaid your debt, you can request a Clearance Certificate. Even though this allows you to apply for credit again, think twice and remember what got you into hot water in the first place.
Please can I encourage you to rather use those as its far more efficient, I believe know that they have worked before as I keep mailing and you managed to use them well enough during your sales cycle or at least up until the bank authorization went through. I initially feared that they gotten lost when you sent them to your Debt Counselor as I am yet to hear from them, please would you check on that for both of us? In the interest of transparency, I do have a mail tracker on my email so I can see that emails are opened and read so that's not the case at all is it?
In the meantime I have found this information from Old Mutual and it would seem that you are following a very different process to what I believe to be industry standard. I attach the below for your and everyone else's benefit.
THE DEBT REVIEW PROCESSThe debt review process starts with you choosing and contacting a debt review company, but let’s assume that you have already approached a company and are about to start the debt counselling process.
PROVIDE DETAILThe first thing you are going to do is provide your debt counsellor with details of your income, monthly budget and debt commitments.
DEBT ASSESSMENTTo qualify for debt counselling, you need to be deemed over-indebted. So, in step 2, your debt counsellor will assess your total debt to determine if it is serious enough for you to need debt counselling.
CREATE A NEW BUDGETOnce it is clear that you need help with your debt, you’ll have a consultation with your debt counsellor. In this meeting, you’ll be given a new budget designed around a new repayment plan. Once you have agreed to this, your application will be accepted.
NEGOTIATION OF REPAYMENTSNext, your counsellor will contact your creditors to negotiate a repayment plan on your behalf. This plan may make use of negotiated fees, rate concessions and an extension of terms to put you in the best position to pay back all your debt.
PLAN APPROVALDebt review is a legal process, and in this step the contract makes the new payment plan binding. This protects you from potential increases in monthly instalments and commits you to meeting the new repayment plan.
IMPLEMENTATIONYou will start making payments according to your new repayment plan from your very first payday. Only one payment is made every month to the debt review company, who then pays your creditors.
COMPLETEOnce you have repaid your debt, you can request a Clearance Certificate. Even though this allows you to apply for credit again, think twice and remember what got you into hot water in the first place.
LO
Lyall O'Carroll's update02 Sept 2020, 12:50
Reviewer Update
Thank you for your kind response, will we be doing all future communication through HelloPeter or will you be using the details on file?
Please can I encourage you to rather use those as its far more efficient, I believe know that they have worked before as I keep mailing and you managed to use them well enough during your sales cycle or at least up until the bank authorization went through. I initially feared that they gotten lost when you sent them to your Debt Counselor as I am yet to hear from them, please would you check on that for both of us? In the interest of transparency, I do have a mail tracker on my email so I can see that emails are opened and read so that's not the case at all is it?
In the meantime I have found this information from Old Mutual and it would seem that you are following a very different process to what I believe to be industry standard. I attach the below for your and everyone else's benefit.
THE DEBT REVIEW PROCESSThe debt review process starts with you choosing and contacting a debt review company, but let’s assume that you have already approached a company and are about to start the debt counselling process.
PROVIDE DETAILThe first thing you are going to do is provide your debt counsellor with details of your income, monthly budget and debt commitments.
DEBT ASSESSMENTTo qualify for debt counselling, you need to be deemed over-indebted. So, in step 2, your debt counsellor will assess your total debt to determine if it is serious enough for you to need debt counselling.
CREATE A NEW BUDGETOnce it is clear that you need help with your debt, you’ll have a consultation with your debt counsellor. In this meeting, you’ll be given a new budget designed around a new repayment plan. Once you have agreed to this, your application will be accepted.
NEGOTIATION OF REPAYMENTSNext, your counsellor will contact your creditors to negotiate a repayment plan on your behalf. This plan may make use of negotiated fees, rate concessions and an extension of terms to put you in the best position to pay back all your debt.
PLAN APPROVALDebt review is a legal process, and in this step the contract makes the new payment plan binding. This protects you from potential increases in monthly instalments and commits you to meeting the new repayment plan.
IMPLEMENTATIONYou will start making payments according to your new repayment plan from your very first payday. Only one payment is made every month to the debt review company, who then pays your creditors.
COMPLETEOnce you have repaid your debt, you can request a Clearance Certificate. Even though this allows you to apply for credit again, think twice and remember what got you into hot water in the first place.
Please can I encourage you to rather use those as its far more efficient, I believe know that they have worked before as I keep mailing and you managed to use them well enough during your sales cycle or at least up until the bank authorization went through. I initially feared that they gotten lost when you sent them to your Debt Counselor as I am yet to hear from them, please would you check on that for both of us? In the interest of transparency, I do have a mail tracker on my email so I can see that emails are opened and read so that's not the case at all is it?
In the meantime I have found this information from Old Mutual and it would seem that you are following a very different process to what I believe to be industry standard. I attach the below for your and everyone else's benefit.
THE DEBT REVIEW PROCESSThe debt review process starts with you choosing and contacting a debt review company, but let’s assume that you have already approached a company and are about to start the debt counselling process.
PROVIDE DETAILThe first thing you are going to do is provide your debt counsellor with details of your income, monthly budget and debt commitments.
DEBT ASSESSMENTTo qualify for debt counselling, you need to be deemed over-indebted. So, in step 2, your debt counsellor will assess your total debt to determine if it is serious enough for you to need debt counselling.
CREATE A NEW BUDGETOnce it is clear that you need help with your debt, you’ll have a consultation with your debt counsellor. In this meeting, you’ll be given a new budget designed around a new repayment plan. Once you have agreed to this, your application will be accepted.
NEGOTIATION OF REPAYMENTSNext, your counsellor will contact your creditors to negotiate a repayment plan on your behalf. This plan may make use of negotiated fees, rate concessions and an extension of terms to put you in the best position to pay back all your debt.
PLAN APPROVALDebt review is a legal process, and in this step the contract makes the new payment plan binding. This protects you from potential increases in monthly instalments and commits you to meeting the new repayment plan.
IMPLEMENTATIONYou will start making payments according to your new repayment plan from your very first payday. Only one payment is made every month to the debt review company, who then pays your creditors.
COMPLETEOnce you have repaid your debt, you can request a Clearance Certificate. Even though this allows you to apply for credit again, think twice and remember what got you into hot water in the first place.