******* Changing of signed contract without being consultant or approving the change!PATHETIC and JOKE service!!!!!

My name is Lindiwe Nhlapho. I have a loan with Finchoice for a couple of months now. In August, My sister gave birth and I needed to assist with baby clothes, nappies, formula, etc because she is still in School. I requested an additional quick loan (R4000) to deal with the emergency. I was approved, the loan was to be deposited on the 29th August into my account. I get paid on the last day of the month, this is part of my existing loan agreement with FinChoice. The money was deposited, but I only used +-R1400 and left +-R2600 into the account. To my surprise, Finchoice deducted the R2200 installment from the same money the borrowed me a day ago, before my actual payday, 31st as stipulated in the signed contract. I was upset and reversed the money because I needed to use it,. Soon after I received annoying and disrespectful calls from collections department demanding that I pay the money, and the how this will affect my credit record. I am disgusted by the horrible and poor service I have recieved from this company. Worse, when I explained, none listens, its like I am lying or making excuses. The fact that I gave a date for debit orders that formed part of the contract, and Finchoice decided to amend the contract as and when they please is unprofessional and I will be report this to the consumer rights commission. i am constantly harrased by phone calls by rude collection consultants when I am the one who is wronged by FINCHOICE. This needs to stop, I will take my case to the media and ourts to help me fight this pathetic company. The sad part is I paid all my loans in full this month, I am so angry at this company, I want justice to be served!!! I will not allow the pathetic and unprofessional company to ruin my credit score because they felt like changing the contract rules without letting me know, that is just wrong, and I know I am not alone. The rude lady who called me threatened to add 10% charge on August payment and also making sure my credit record and score is ruined for me to get any loan in future, she didn't even ask me why the payment was not done. She even said I will receive daily calls in a very condescending and disrespectful way, not only that but she left the phone on speaker and put others probably to listen to me, further mocking me. I am done with companies who take advantage of our vulnerabilities. If I receive another call again, I will take this to media, courts justice system and consumer protector. I am tired of being bul****.