Unfair Fees charged and disgusting Customer Service Experience

On December 20th, I made a purchase using Happy Pay, under the impression that my repayments would be deducted over the course of two months. However, I was surprised to discover that the first repayment was to be deducted five days later, on December 25th—an issue that was not communicated to me upfront. Nowhere in the process was I given the option to adjust the repayment date to suit my pay cycle, which would have been more feasible for me in January.

I called your customer service team on December 24th to explain this issue, but the representative I spoke to was unhelpful and claimed there was nothing she could do. She stated that I had chosen the repayment date of December 25th, which is completely inaccurate. I received no assistance or resolution during this interaction.

To make matters worse, I have now been charged late fees of R100, which have accumulated to R400. This is entirely unacceptable, especially given that the situation arose from your system's lack of flexibility and transparency in choosing repayment dates. I refuse to pay these unjust fees and expect them to be reversed.

Once my second installment is paid, I will be deleting my account with Happy Pay and moving to more trusted and customer-friendly service providers like PayJustNow and Payflex.

When something is too good to be true, it generally is. I'll gladly pay a deposit with PayJustNow and Payflex, as they are trusted, which Happy Pay obviously is not!