QUESTIONABLE MONTHLY CHARGES! - Multiple SMSes, Telephone calls, Coll letters, Emails...

On 16/08/2017 I sent the below email to yourselves at ********** As at date hereof, I've not received the courtesy of any response from yourselves. Please note that should you fail to respond to me and fail to reverse these dubiously loaded charges, I will refer this matter to the National Consumer Commission and/or the National Credit Regulator to investigate these charges by Foschini. This is the content of the email that I sent to you. I will await a response on my landline forthwith.

"I object to these exorbitant charges which you have debited to my account since November 2016, some of them even on the date of my payment or day immediately following my payment. I set them out hereunder:

12/11/2016 - Acc benefit credit insurance - R3.30 12/11/2016 - Account benefits - R28.70 Total: R32.00 - November statement (I've no idea what these charges are for nor have I authorised them)

02/12/2016 - SMS - R2.85 12/12/2016 - SMS - R2.85 Total: R5.70 - December statement

07/12/2016 - SMS - R2.85 13/12/2016 - Phone call - R20.52 13/12/2016 - Collection letter - R20.52 13/12/2016 - SMS - R2.85 19/12/2016 - Phone call - R20.52 20/12/2016 - Email - R20.52 Total: R87.78 - January statement

02/02/2017 - SMS - R2.85 07/02/2017 - SMS - R2.85 Total - R5.70 - February statement

13/02/2017 - SMS - R2.85 13/02/2017 - Collection letter - R20.52 16/02/2017 - Phone call - R20.52 17/02/2017 - SMS - R2.85 17/02/2017 - Phone call - R20.52 Total: R67.26 - March statement

13/03/2017 - Collection letter - R20.52 13/03/2016 - SMS - R2.85 15/03/2017 - Email - R20.52 25/03/2017 - Phone call - R20.52 28/03/2017 - SMS - R2.85 04/04/2017 - Phone call - R20.52 Total: R87.78 - April statement

13/04/2017 - SMS - R2.85 13/04/2017 - Collection letter - R20.52 15/04/2017 - Email- R20.52 12/05/2017 - Acc benefit credit insurance - R3.64 12/05/2017 - Acc benefits -R31.36 Total: R78.89 - May statement

13/05/2017 - SMS - R2.85 13/05/2017 - Collection letter - R20.52 15/05/2017 - Email- R20.52 26/05/2017 - Phone call - R20.52 08/06/2017 - SMS - R2.85 09/06/2017 - Phone call - R20.52 Total: R87.78 - June statement

04/07/2017 - SMS - R2.85 - July statement

You have since November 2016 up until July 2017 debited a total amount of R455.74 to my account suspiciously and inexplicably. You have during 3 months respectively debited a total of R87.78 repetitive charges. In some instances you have debited my account with these charges on the date that I had paid or on the date immediately following my payment. I do not accept liability for these amounts reflected above and request that same be reversed with immediate effect. As a rule, I do not answer any phone calls from (021) telephone numbers, exactly because of these suspicious debits to my account by Foschini.

My last statement received in July reflected an amount of R487.46 as being the total outstanding debit. Accordingly, the debit balance on my account should be an amount of R31.72. Please note that I do not even take into account the interest which you have levied on increased debit balances which include these exorbitant repetitive monthly charges.

Your urgent response hereto is awaited. Should you not revert to me before the close of business tomorrow, I will refer the matter to the National Consumer Commission to investigate the lawfulness of these charges. It is apparent from Hellopeter that similar complaints have been levied against Foschini.

I await to hear from you, as I wish to make final payment of this account and TO CLOSE MY ACCOUNT."