Elderly Pensioner Misled Into Additional Debt by Homechoice Consultant – Reckless Lending & Financial Abuse

I am utterly disgusted by the ********* conduct and financial abuse I have experienced at the hands of Homechoice consultants.

On 19 February 2026, I purchased bedding from Homechoice after being contacted regarding a delayed first-instalment promotion. I was satisfied with this purchase.

However, in March 2026, I received another call from a consultant named Nomathamsanqa Litselele, who manipulated and misled me into taking additional credit for a bed worth R7,500.

Before agreeing, I clearly advised the consultant that I:

Had recently purchased bedding Could not afford more credit Did not want increased repayments

Despite this, the consultant falsely represented that:

The new purchase would be “grouped together” with my existing account My instalment amount would remain unchanged There would be no financial implications

These statements were blatantly false.

A few days later, another Homechoice consultant attempted to sell me even more credit, and during that conversation I was informed for the first time that I now had TWO separate accounts with TWO separate instalments.

As an old-age grant beneficiary surviving on approximately R2,200 per month, I am now expected to pay over R1,000 in monthly repayments due to Homechoice’s reckless and predatory conduct.

How am I expected to survive?

What must I eat? How must I pay for insurance? How must I cover my basic living expenses?

To make matters worse, once I realised what had happened, I requested to return the bedding as it had never been opened or used, since I had only used the bed itself. I was then advised that it was too late to process a return, leaving me trapped in an unaffordable agreement for goods I have not even used.

This is nothing short of financial exploitation of a vulnerable elderly customer.

Homechoice must:

Immediately investigate and review the recorded sales calls Cancel the *****ulent/misrepresented second account Explain whether your consultants are properly trained and FAIS compliant Explain how this conduct complies with the National Credit Act (NCA) and affordability assessment requirements

This behaviour constitutes reckless lending, ********* sales practices, and exploitation of pensioners.

If this matter is not urgently resolved, I will escalate it further to the relevant regulatory and consumer protection authorities.

Absolutely disgraceful conduct from Homechoice.