JvdM
JJ van der Merwe
1 reviews | Active since Nov 2021
11 Jun 2025, 13:33
Don't WAIVER Your Consumer Rights
Beware when using Happy Pay. You WAIVER your consumer rights as they are not governed by the National Consumer Act.
Helpful (0)
Replies (4)0
Replies (4)
Happy Pay's replyOfficial
11 Jun 2025, 17:48Hi JJ van der Merwe
Your claims are misleading and hold no merit.
On 26/07/2024, you used our platform to purchase a new iPhone 7 32GB and a new iPhone 7 128GB — both delivered to you in full. Despite this, you failed to make any payments for over a year. After numerous contact attempts and eventual handover to collections, only now has a payment been made.
It is both disappointing and unacceptable that, as someone who deliberately ignored your financial obligation, you now attempt to discredit the same provider that enabled your purchase when no other service would.
Your public complaint is not only unfounded — it conveniently ignores the fact that you received the benefit of the goods without honouring your side of the agreement.
To be clear: BNPL providers like us are exempt from the National Credit Act (NCA) due to the interest-free nature of our offering. However, this does not absolve consumers from paying for goods received, nor does it entitle anyone to publicly defame a business for enforcing the terms of an agreement you accepted.
We strongly encourage you to take accountability before posting inaccurate and damaging statements.
Regards
Happy Pay Team
Your claims are misleading and hold no merit.
On 26/07/2024, you used our platform to purchase a new iPhone 7 32GB and a new iPhone 7 128GB — both delivered to you in full. Despite this, you failed to make any payments for over a year. After numerous contact attempts and eventual handover to collections, only now has a payment been made.
It is both disappointing and unacceptable that, as someone who deliberately ignored your financial obligation, you now attempt to discredit the same provider that enabled your purchase when no other service would.
Your public complaint is not only unfounded — it conveniently ignores the fact that you received the benefit of the goods without honouring your side of the agreement.
To be clear: BNPL providers like us are exempt from the National Credit Act (NCA) due to the interest-free nature of our offering. However, this does not absolve consumers from paying for goods received, nor does it entitle anyone to publicly defame a business for enforcing the terms of an agreement you accepted.
We strongly encourage you to take accountability before posting inaccurate and damaging statements.
Regards
Happy Pay Team
Happy Pay's reply11 Jun 2025, 17:48
Official
Hi JJ van der Merwe
Your claims are misleading and hold no merit.
On 26/07/2024, you used our platform to purchase a new iPhone 7 32GB and a new iPhone 7 128GB — both delivered to you in full. Despite this, you failed to make any payments for over a year. After numerous contact attempts and eventual handover to collections, only now has a payment been made.
It is both disappointing and unacceptable that, as someone who deliberately ignored your financial obligation, you now attempt to discredit the same provider that enabled your purchase when no other service would.
Your public complaint is not only unfounded — it conveniently ignores the fact that you received the benefit of the goods without honouring your side of the agreement.
To be clear: BNPL providers like us are exempt from the National Credit Act (NCA) due to the interest-free nature of our offering. However, this does not absolve consumers from paying for goods received, nor does it entitle anyone to publicly defame a business for enforcing the terms of an agreement you accepted.
We strongly encourage you to take accountability before posting inaccurate and damaging statements.
Regards
Happy Pay Team
Your claims are misleading and hold no merit.
On 26/07/2024, you used our platform to purchase a new iPhone 7 32GB and a new iPhone 7 128GB — both delivered to you in full. Despite this, you failed to make any payments for over a year. After numerous contact attempts and eventual handover to collections, only now has a payment been made.
It is both disappointing and unacceptable that, as someone who deliberately ignored your financial obligation, you now attempt to discredit the same provider that enabled your purchase when no other service would.
Your public complaint is not only unfounded — it conveniently ignores the fact that you received the benefit of the goods without honouring your side of the agreement.
To be clear: BNPL providers like us are exempt from the National Credit Act (NCA) due to the interest-free nature of our offering. However, this does not absolve consumers from paying for goods received, nor does it entitle anyone to publicly defame a business for enforcing the terms of an agreement you accepted.
We strongly encourage you to take accountability before posting inaccurate and damaging statements.
Regards
Happy Pay Team
JvdM
JJ van der Merwe's updateReviewer Update
15 Jun 2025, 13:58Oh so because you guys are exempt it gives you the right to threaten a consumer with "the police" for not paying?
Freedom of speech and expression is my rights, and that is why platforms like this exist. Would you like me to share the emails you sent me where you guys threatened me with the police?
Freedom of speech and expression is my rights, and that is why platforms like this exist. Would you like me to share the emails you sent me where you guys threatened me with the police?
JvdM
JJ van der Merwe's update15 Jun 2025, 13:58
Reviewer Update
Oh so because you guys are exempt it gives you the right to threaten a consumer with "the police" for not paying?
Freedom of speech and expression is my rights, and that is why platforms like this exist. Would you like me to share the emails you sent me where you guys threatened me with the police?
Freedom of speech and expression is my rights, and that is why platforms like this exist. Would you like me to share the emails you sent me where you guys threatened me with the police?
JvdM
JJ van der Merwe's updateReviewer Update
15 Jun 2025, 14:07There is no law against not paying outstanding credit, but there is a law against threatening a consumer with ******** conviction of ***** or theft for not repaying.
The NCA clearly states the following:
Proper Debt Collection Process: Legitimate debt collectors in South Africa must follow the National Credit Act (NCA) and Debt Collectors Act, which include:
You guys can be lucky I can't post a screenshot of your email on Hellopeter, as you followed none of these as you guys are "exempt" so you can take advantage of me as a consumer.
The NCA clearly states the following:
Proper Debt Collection Process: Legitimate debt collectors in South Africa must follow the National Credit Act (NCA) and Debt Collectors Act, which include:
- Providing proper notice and statements
- Following prescribed collection procedures
- Obtaining court judgments before taking enforcement action
- Using registered debt collectors
You guys can be lucky I can't post a screenshot of your email on Hellopeter, as you followed none of these as you guys are "exempt" so you can take advantage of me as a consumer.
JvdM
JJ van der Merwe's update15 Jun 2025, 14:07
Reviewer Update
There is no law against not paying outstanding credit, but there is a law against threatening a consumer with ******** conviction of ***** or theft for not repaying.
The NCA clearly states the following:
Proper Debt Collection Process: Legitimate debt collectors in South Africa must follow the National Credit Act (NCA) and Debt Collectors Act, which include:
You guys can be lucky I can't post a screenshot of your email on Hellopeter, as you followed none of these as you guys are "exempt" so you can take advantage of me as a consumer.
The NCA clearly states the following:
Proper Debt Collection Process: Legitimate debt collectors in South Africa must follow the National Credit Act (NCA) and Debt Collectors Act, which include:
- Providing proper notice and statements
- Following prescribed collection procedures
- Obtaining court judgments before taking enforcement action
- Using registered debt collectors
You guys can be lucky I can't post a screenshot of your email on Hellopeter, as you followed none of these as you guys are "exempt" so you can take advantage of me as a consumer.
JvdM
JJ van der Merwe's updateReviewer Update
24 Jun 2025, 07:30For Anyone interested, ABSA refunded the money Happy Pay stole from me under the pretence of *****.
JvdM
JJ van der Merwe's update24 Jun 2025, 07:30
Reviewer Update
For Anyone interested, ABSA refunded the money Happy Pay stole from me under the pretence of *****.