Terrible Credit Application

On the 15th of December 2022 I attended the Incredible Connection store after having app**** for credit through the JD Group online and being approved in principle subject to verification. I was then informed that I had to provide copies of 3 months bank statements which I did and they requested the last month’s statement for December as well. The information was not available on my banking App and I could not access same immediately. I then left my salary advice and all other documents with the consultant who was attending to the finalization of my credit application.

I returned on the 16th of December 2022 and sat in the store for 2 and half hours after which the consultant advised that the system is not working and I should come back the following day. I just left the store and was driving on John Voster drive when the consultant called and said I should return to the store to complete the application. I was furious and advised the consultant that I had app**** for credit with various organizations and had never experienced such terrible service. I then requested to speak to the Store Manager who advised that I should attend the store at 9am the next morning because then the system will not be too busy and my application could be processed.

Needless to say I returned the next morning and still my application could not be processed as the consultant advised that my application has been referred for *****. I demanded that she call the head office. The head office advised the consultant that the application has always been under investigation for ***** and scolded at her for telling me to come into the store. The consultant apologized and said she will call me only once the application is done and I may collect my goods.

I then returned to the store the following week on Tuesday after receiving a call from the consultant to come in. I had to again sit for about an hour completing the application again as well as verifying the debicheck mandate. The consultant advised me to reduce my expenses to that I may obtain a higher credit limit. I advised that those were my expenses.

The consultant indicated she will call me to say when I may collect my goods. On or about the 23rd of December 2022 I received a call from the store to say I may collect my goods. My son had then decided he wanted to replace the Gaming PC we had initially requested with a different one. The consultant advised if I wish to replace an item I should do an entire new credit application. I then called JD Group Head Office who advised that the store should merely do a restructure and replace the one PC with the other they do not need to do an entirely new application. I contacted the Store Manager of Incredible Connection Centurion once again and advised him of same. He said his store was not aware of such a process and they will enquire from head office and attend to same.

On or about 31 December 2022 I received a call from the consultant at Incredible Connection Centurion who advised me that they cannot do a restructure I would need to apply for a new credit application totally. I then asked her to please cancel the deal. She agreed.

On the 12th of January 2023 I received an ad hoc statement from Incredible Connection indicating that the Debit Order will be collected from my account on 20 January 2023. I contacted the store manager at Incredible Connection Centurion on 14 January 2023 to advise him of same he indicated that the consultant will only be in at 10am and they will call me then.

After 10am the consultant from Incredible Connection Centurion called me and indicated that she enquired from Head Office and the cancellation request is still underway hence the debit order is still showing and statement being sent.

I have never in my life had such terrible service from any organization that I’ve dealt with. I am utterly disgusted at the lack of service delivery as well as the lack of knowledge of their own company policies and processes. Further, the credit application would be reckless if I had inserted amounts below the actual amounts being paid and hence I will also report this to the National Credit Regulator. Today the 16th of January 2023 the Debicheck mandate is still in place after me cancelling on the 31st of December 2022. I would never recommend anyone applying for credit with Incredible Connection Centurion ever!