My Experience with FinChoice

I’m writing to share my extremely disappointing experience with FinChoice.

In 2022, I entered into a 36-month contract with them, which was supposed to end in June 2025. Throughout the contract, if I ever missed a payment, I would receive constant calls—day and night—reminding me that my account was in arrears. I always made sure to settle any outstanding amounts promptly.

As the contract end date approached, I contacted FinChoice multiple times to confirm whether my account was up to date and whether the contract was indeed ending in June. Each time, I was assured that everything was in order. I was even sent a copy of the contract via email confirming the term.

To my shock, when I recently checked my ClearScore report, it still reflected that I owed FinChoice money. I called them again, only to be told that I supposedly owe R29,000—an amount I was never informed about. This is particularly concerning, as they had no problem contacting me in the past when my account was overdue.

When I asked the representative for clarification, she told me my contract actually ends in July 2025 and that the remaining balance would continue to be debited from my account—without my consent. I requested a billing report, but she refused to provide it and instead asked me to send proof of all my previous payments.

This lack of transparency and accountability is unacceptable, and I am extremely dissatisfied with how this matter has been handled.