Charging service fees to collect club fees

I am currently a member of Edgars clubs which I pay R44 a month. Edcon charges me R23 service fee to collect this club fee. Edcon argues to the NCR that the club fees is not part of their Credit agreement please explain how you charge a client R23 service to collect clubs fees if it is not part of your credit agreement? I have raised this with them they don't seem to understand the difference between purchasing on credit and the club fees. They tell me as long as your account is in debit by the club fees you will be charged the service fee. My account is in debit not because I purchased on credit my account is nil, I only have club fees due. The NCR should check client accounts where only club fees are being paid and check that Edcon is charging clients service fee to collect this club fee proving their intention that club fees are part of their credit agreement by virtue of the fact that they charge service fee just to collect this club fee.

From: Mirriam Mazibuko ********** Sent: Tuesday, April 17, 2018 2:37 PM Subject: Re: Query In response to your email received, herewith please find feedback. Our credit agreement and the NCA allow for a service fee to be charged in respect of all credit agreements. From January 2016, a monthly service fee of R22.80 will be charged on accounts with a debit balance due to increased account keeping costs, where our credit agreement and the NCA allow therefore. Should you have any further enquiries please do not hesitate to contact us via the below mentioned contact details. Mirriam Mazibuko Customer Services Administrator | Regional Credit Office Johannesburg | Edcon Financial Services Telephone +27 86 ********** | Fax +27 86 ********** | Email **********