MISLEADING SIGN-UP, HIDDEN FEES, NON-ALLOCATION OF PAYMENTS, FALSE CLAIMS & CUSTOMER BLAMING

Le Morgan is misleading customers, hiding critical fees during sign-up, failing to allocate payments, and then fabricating stories to blame customers for their own errors.

I was approached at a mall by Le Morgan’s sales agents and persuaded to sign up for their pots and air fryer deal. At NO point did they disclose any “bouncing fee” or extra charges. This is essential information and should be explained BEFORE signing. It was deliberately not mentioned, which is ********* and misleading.

When the payment date arrived, all my other debit orders — my bond, loans, insurance, etc. — went through successfully. The ONLY debit that failed was Le Morgan’s.

I assumed it was a system issue on their side. If there was a problem, they should have contacted me. They did not.

Then out of nowhere, I received a message claiming I owed around R700, including a fee I was NEVER informed about. When I called in, they told me to make a manual payment — which I did on the 25th, with proof.

This is where the situation became unacceptable:

Despite making the payment, they never allocated it. Then they turned around and tried to blame me and claim I am in arrears due to THEIR failure.

When I questioned why the issue of last month’s payment was only being raised now, I was met with the most unbelievable lie:

They claimed that their agent “has been calling me and I dropped the calls.”

This is a blatant, fabricated lie.

I always answer my calls — even spam and telemarketing calls — because I want to know who is calling me. I have ZERO missed calls from Le Morgan. The only person who ever contacted me was the lady I spoke to when I made the payment on the 25th.

If they truly called, where are the multiple missed calls? Where is the call history? How would the agent magically know I “dropped the call”? Clearly, this is a scripted excuse used to blame the customer instead of admitting to their internal failure.

This behaviour is alarming and shows a deeply concerning level of dishonesty.

On top of that, they told me to “go to my bank” — even though ALL my other debit orders went through perfectly. My bank has NOTHING to do with Le Morgan’s failure to debit my account or allocate my payment.

Instead of apologising or fixing the issue, they:

**** about calling me,

blamed me for their own non-allocation,

added false arrears,

charged hidden fees never disclosed at sign-up,

delayed addressing issues until they escalated,

and used ************ tactics like ITC threats.

This feels like a pattern designed to push customers into arrears and extract extra money through confusion and pressure.

This situation has caused unnecessary frustration and emotional distress. I have shown responsibility at every step: I paid, I followed instructions, and I even paid early this month to avoid misunderstandings. Yet I am being treated as if I am avoiding payment — which is completely false.

I request the following:

1. Immediate allocation of ALL payments I made.

2. Removal of all incorrect arrears and hidden charges.

3. A corrected and accurate statement.

4. Accountability for the misleading sign-up process and the false claims made by their staff.

5. Investigation into their internal processes and customer treatment.

This is unacceptable, ********* and deeply concerning conduct from a company dealing with people’s finances.