Unacceptable Service and Outsourcing Inefficiency from House & Home

My experience with House & Home has been nothing short of frustrating, thanks to their decision to outsource financial administration to the disastrously *********** Rainbow Finance.

Despite providing more documentation than any reasonable institution should require — a letter of employment, increase letter, and even my work contract — I was deemed "unstable" because of my work history. For clarity:

I worked over 10 years at one organization until 2018. I took one year in 2019 to study and care for a terminally ill sibling. I resumed work in journalism in 2020 and transitioned to a permanent role at one of South Africa’s oldest non-profits in 2022. This is hardly "unstable," yet Rainbow Finance treated me as though I were unfit to apply for credit — while I have the means to afford payments without issue.

To add insult to injury, I paid R10,000 in cash for a table last week Saturday, and at this point, I am seriously considering exercising my 7-day refund rights. Why? Because I refuse to engage further with an organization that has outsourced its financial processes to a one-star operation.

House & Home: If you value your customers, reconsider outsourcing to Rainbow Finance. Administration should be efficient, not an interrogation. I have already qualified elsewhere with a store that knows how to treat its clients fairly.

You’ve lost not only my trust but my future business, both in cash purchases and credit applications. Reading all the reviews too, from wrong debit dates and so on has confirmed that maybe its a good thing Rainbow finance has done what they have done, I am glad to be out of this lion's den. And also your own staff at house and home work so well and efficiently and just like that they are lumped along with the hellhole that is Rainbow Finance.