ACCOUNT CLOSED AND REFUND!!

Good day, I am writing to formally lodge a complaint regarding my RCS account and the manner in which it has been handled. The account was initially handed over by RCS to DMC. I entered into payment arrangements; however, due to financial constraints, I was unable to continue with payments. Thereafter, the account was handed over by DMC to Concept Recoveries, who then held legal authority over the account. While the account was under the administration of Concept Recoveries, I made payments for October and November. Subsequently, I queried Concept Recoveries regarding the basis on which they were collecting payment on an old debt. Following this query, Concept Recoveries confirmed both in writing and telephonically that the debt had prescribed and was closed on their system. When I requested a formal prescription letter, I was advised that they do not issue such letters. I accepted this and proceeded to notify DMC in writing, forwarding the confirmation received from Concept Recoveries. Despite this, DMC continues to advise that payment is required. It is important to note that DMC sold and handed over the account to Concept Recoveries, who at the time held full legal authority over the account and subsequently confirmed that the account was prescribed and closed. DMC therefore has no legal right to continue collecting, enforcing, or reactivating this account. This is further evidenced by the fact that DMC’s own system still reflects the account as being with Concept Recoveries. Additionally, the account no longer appears on my credit report, which DMC is able to verify independently. In light of the above, I formally request: A refund of payments made in October and November, and Written confirmation that the RCS account has been permanently closed and will not be subject to any further collection or reporting. The same request applies to the Sportscene account, which has likewise been removed from my credit report and is no longer reflected as active. I trust this matter will now be resolved without further delay. Should this issue persist, I will have no alternative but to escalate the matter to the appropriate regulatory bodies. I look forward to your written confirmation.

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