My Debt Villain

Initially, this company came across as extremely helpful and efficient, but as soon as I signed, everything changed. The salesperson who got me into the debt review programme, Duanne Grobler, led me to believe that the reduced debt repayment amount that he was offering me was final, and this informed my decision to agree to going into the review process and accept the My Debt Hero debit order. I think it was ********* of him to not make it clear that the amount was subject to my creditors acceptance of the proposal BEFORE I committed to the process and the debit order. The final repayment amount ended up being more that R1000 than what I was originally told.

Furthermore, it was ********* of him to fail to explain: 1. that the lower monthly payments is not only due to the lower interest rates that he was able to negotiate, but also because the repayment period will be extended. I explicitly asked him how he was able to lower the amount to Rx, and his answer was that it was due to the lower interest rates. 2. that the overdraft facility in my check account will be cancelled immediately, causing all monies entering that account to automatically go to paying off my overdraft. He was aware that my cheque account is my salary account. This means that once my salary is paid into the account, a large portion will immediately go straight into paying the debt on that account, contradicting the very idea of using debt review as a process to gradually pay off my debt in manageable instalments. Later when I queried wat was happening someone else at the company informed me that I would have to open a new account to move my salary to. Duanne did not mention any of this to me before I agreed to the process. 3. that I will not qualify for any further credit (e.g. to buy a car) whilst I am in the programme 4. that the insurance included in my monthly payment is optional, and that if I forfeit it the repayment amount will remain the same but that the insurance amount will then go towards my creditors 5. that once I enter into this process, I will not be able to merely cancel it if I am not happy with My Debt Hero's service

I was assigned a customer service agent who does not reply to my emails and no one replies on the WhatsApp number that was given to me. I have also been told that I can't request to work with a different agent. There is also no email address dedicated to complaints.