Miladys causes damage to my credit score!

6 months ago I opened an account with Miladys.after asking the manager 2 otkr 3 times if there were any monthly fees I was assured there were none. When I got home I checked the contract and lo and behold R12 A MONTH FEES. I took the contract back the very next day filled out a cancellation form and was told all was fine. I never received a single statement in all the 6 months. Last month (January 2020 I checked my credit score and was shocked it had lost 100 points because Miladys had put through I was I debt for about R70! Immediately I called and complained . In the meantime I received this message from Miladys

"Dear ************ We regret to advise that your application for a Miladys account has been declined. " The Clearwater asst. Manager told me the application was sent from Greenstone Mall. I haven't been there since 2014!

CONTINUE READING THE REST OF THE EMAIL..

The reason for our decision is because of ACCOUNT ALREADY EXISTS Should you need further information regarding the decision, please contact our Credit Services Call-centre on *** or email *** Yours Sincerely, Jane Govender New Business Manager Miladys Financial Services"

The Clearwater asst. Manager told me the application was sent from Greenstone Mall. I haven't been there since 2014! What's up with that? In trying to boost my credit score its damaged it instead. My questions are 1 why did I not receive statements? 2. What's with the greenstone application? Was the staff member who messed this up transferred there? 3 why can'. The cancellation form not been found? 4. How to repair my credit rating? Will the person responsible be reprimanded? My suggestion is don't open a Miladys account. I am so angry!