Take their service plan at your own risk.

I am very disappointed firstly with MFC for allowing or working with Innovation group because I trusted the company because of MFC.

I was firstly called by Innovation group and sold the Tyres and wheel policies which the installment is calculated according to the model of the car, kilometers, the terms left etc. I took the policy and I was told it won’t debit separately because that is how they work because it’s in-house with MFC.

I paid for the policy service my Tyres once and cancelled the policy to save money they did cancel without any hassle.

I was then called again by another agent selling me the extended service plan because I was apparently left with one service plan covered by the dealer but they also told me how they calculate the premium which was similar to the Tyres and wheels but they never mentioned that this one there will be money paid upfront by MFC to them which is adding to my existing loan. I was told that the premium will only cover the two services only which I agreed and understood.

I serviced my car last and this year without and problem. I was surprised when my installment didn’t go down. I went to the bank to inquire only to be told by an agent that the policy I took was of a value of R12 000 and was added to my existing car loan I was surprised no one every mention R12 000 being paid upfront, I would have never agreed because servicing a car twice will never amount to R12 000 unless I am fixing something which is not part service.

My first service was on 60000km which was R5200 Second service was on 75000km which was -+R2000 which amount to R7500 and what is happening to the balance of R12000 and when I calculate the R350 I am paying for the term of 48 months it’s amount to R16800 so for servicing my car I am paying R16800 what a ripoff. I would have understood they are making business if only I am only paying the R12000 they borrowed me as loan which they didn’t tell me but R16800 it’s too much that money would have gone a long way in my car installment.

I feel deceived by MFC as their client and cheated by Innovation group.

I the logged a complain and I was sent voice call and there is not where the agent is explaining that there will be money paid upfront and I won’t be able to cancel this policy. I asked questions to Chastry Moorkey who was attending my query but he/she was not addressing the questions I was asking. He/she never acknowledged or mention that indeed there was a R12000 that was paid upfront by MFC to them adding to my car loan, I only heard that from the the MFC agent when I was inquiring why the installment is not going down.

I understand they have to make money as a business but not like this they should be honest and give all the information, I as a customer must decide whether I want to buy or not their products. They are pushing sales by lying and cheating.

Anyone please ADVISE with OMBUDSMAN number as I feel I was sold a product without being told the everything certain truth was hidden from me and that is against the law.

I am not yet rich I don’t have R168000 to service a car that costed R7500 to service.

Those who are financed by MFC be warned when they call you do not entertain their call they will cheat and rip you off your hard earned money.

Incase Innovation want to respond this is the matter this is reference number from the emails NG/SO/*** they must tell me where is R12000 mentioned and that the total amount of this policy will be R16800 according to the terms and also that I can not cancelled.

This are the questions I wanted Chastry Moorkey to answer but he/she was playing hide and seek.

Cheated customer by MFC and Innovation group. Ms N Xulu