EDGARS ABUSES THE NATIONAL CREDIT ACT

As the undersigned account holders with Edgars, I give you one opportunity to withdraw your recent letter of demand and either phrase it in the correct terms or withdraw it in its entirety - with an apology.

Since this letter poses a threat to my credit, I require your cooperation in this regard in terms of the NCA.

Failing the above I will refer the later to my attorney.

WHAT ARE THE FACTS OF THE MATTER

1. The Edgars Statement dated 8 September states that a payment of *** is due by 1 October. I agree with that.

2. Due to circumstances beyond my control I missed the payment on 1 October but payment was subsequently made upon receipt of your SMS on 12th October to the full amount owing or R *** in line with your statements dated 8 September.

3. No subsequent statement has been received via email - nothing in October.

I append a screen copy of the September statement below.

That you no aver that an amount of TWICE the montly repayment is OVERDUE on 6 October is a blatant misrepresentation of the case which affects my credit rating. I accept that the current month payment is due by 1 November.

Although this is relatively small change the impact on SA credit ratings is nonetheless serious and I consider this an attack on my credibility. I will not hesitate to expose your company to the credit authorities and hand over to legal aid.

I also strongly suggest that your company cease and desist from this tactic. It is blatant abuse of consumer rights under the NCA.

Kind respond and confirm as per Point 2 above.