MTN AND VVM IN CAHOOTS TO SWINDLE MONEY FROM CLIENTS

i am ayanda , i am sending this complaint about MTN and VVM Attorneys my account was handed over to VVM who i made an agreement with. the agent told me my account with MTN will be closed and i need to pay R11 075.30 (No interest) which is the value of the contract because i took an Apple iphone 7 + 2GB DATA and the phone came with another 500mb Data and Minutes and SMSs. MTN failed to Debit my account three times saying there wasn't funds while i had the funds available, every time the debited they returned the debit resulting my previous Bank Charging Me Extra for a Returned Debit. First time they did this i went to the store and payed by hand. Due to hectic work schedules i couldn't do it the second time it happened and told to consultant to debit again. which they failed to do so. i then told them to Cancel my Contract and Give me the Settlement Fee because at this point my phone was suspended for 3 months. but again they didn't close my account and i was told i can use it and settle the areas instead. i told the lady i couldn't afford to settle over R1000+ of arrears as i was renting, using public transport. just got a new born and paying two accounts. this would strain my budget. MTN went silent and i got a call from VVM who told me they were collecting and we made an arrangement of an amount i can afford. the lady advised i could make an offer for a discount at a later stage if i pay the account good which seemed fair at that stage so agreed to pay R200 p/m towards my account.

fast forward today i have payed R400 towards my account and thinking my balance will be R10 675.30 my account is R11 347.13 i called VVM to find out why while they said there are no interests on the account and i was handed over to a team leader who told me it is "Commision Collection Charges" added to the Account. and i asked why wasn't i informed because i would have declined to make this arrangement if i knew there was extra charges on my account. The TL acknowledge it was a fault on the agent side not to inform me but they were charging that amount once off. i also told her about two more charges added to my account which meant this service is not meant to assist client get out of debt but to get them into more debt with these hidden charges that debt collectors charge. she told me other charges are from calls and sms's sent to me. but i usually call to find out and i only recieved two calls from VVM.

i am raising this concern because i was not properly advised the costs involved when i made the agreement with VVM and i would like them to take action against the agent who ******* me in agreeing to the offer without explaining the costs i would incur from VVM Collecting These Amounts.

VVM Agent i Spoke to was Dudu Her TL was Rose ***

regards

Ayanda