Furious at the system!!

A working class consumer really struggles in this country.

With all the cost of living that go up, trying to be a good citizen and abiding by laws of the country really diligently and then not receiving any of the same treatment back really is a reflection of what we are experiencing as the middle class.

And what I’m realising the only time you will be heard or acknowledged is when you use platforms as these to raise these issues.

Since last year September after receiving my Clearance Certificates I’ve been battling with Debtbusters to get my credit status updated. I remember a period of sending emails with zero comms back from them. When I contacted Transunion I had to lodge a dispute which puts another flag on your account for 21 working days.

September I received my clearance certificates, my status was only updated in December. After calling, lodging disputes most of the running around was done by me the consumer after being flagged for 5 years and doing exactly as I was told to do.

3 months later I’m still getting declined by major banks, can’t get vehicle finance, even small accounts and Woolworths gets declined. I have only managed to secure a loan from African Bank at this stage.

3 months later Insurance Busters or IDM and All the Credit bureau’s have not been able to update information that was incorrectly updated on my profile. Saying I missed 3 months of payment when in fact this was a cancellation.

3 months I’m still the only person following up. I’ve had about 3 emails from Experian/Compuscan not being able to assist. I’m lodging a formal complaint because an email was sent on Friday from Insurance Busters and to date they still haven’t been able to update the details correctly.

I went as far as the Ombudsman who simply told me this is an NCR issue. I went to them too and again I need to lodge a dispute AGAIN.

Most companies use Experian/Compuscan and with zero updates on their end, the unwillingness to answer calls- the worst call centre it’s just unacceptable at this stage that it hasn’t happened yet. Or that they cannot give you a courtesy call or email to advise where they are on your case.

This is 7 months later, I begged the Transunion consultant how do I build my credit score she simply told me I need to borrow more-NOW TELL ME HOW AND WHERE.

I am fed up and as a middle class earner in this country I’m concerned of the lack of service we are still experiencing.