Cheats, ****

I was called this morning with an offer to refuse interest rate on my "accounts" I only have one debt. This is a service they render in conjunction with the NCR (keeps saying that whilst speaking loudly) I ask what the repo rate currently is says on unsecured loans 9% and on secured loans 15% (2nd red flag) says will request a credit report so as to see which are the "accounts" that are overcharging on interest rate. SMS comes through with reason for report request: AFFORDABILITY ASSESSMENT nothing on interest rates. Even more scarier is that they have my ID number