******* into debt review without proper disclosure – demanding immediate clearance and cancellation of all mandates

I am lodging a formal public complaint against RSA Debt Solutions / RSA Debt / RSA Credit Solutions (NCRDC4552, Reg No ***, 79 Roeland Street, Cape Town). At the end of June 2026 I was cold-called by a consultant named Amanda. She told me I was overpaying on certain accounts, that I could save a lot of money, and that she could “check for me how much I can save”. I agreed only to that check. I was never told that I was applying for, or being placed under, formal debt review under Section 86 of the National Credit Act. I never said I was over-indebted. I have never missed a payment on any of my accounts and I can afford my debts. I accepted a single digital mandate / DebiCheck on my phone. Shortly afterwards (voice note within approximately two days and a clear WhatsApp message on 7 July 2026) I informed the company that I did not want their services and wanted everything cancelled immediately. I have repeated this request multiple times in writing. Instead of cancelling cleanly, the company: • Proceeded to place me under debt review and stop my normal debit orders (confirmed by my bank). • Later produced a 28-page “Form 16 Pack – Signed” document containing multiple copies of the same electronic signature on almost every page, dated 03 July 2026 at “SASOLBURG, UNKNOWN”. I only signed once. The repeated signatures appear copied and pasted. • Demanded a cancellation fee of R6 157.00 (claimed to cover Payment Notice, Form 17.1, Form 17.2, Proposal and Restructuring fee guideline). This amount and the consequences of cancellation were never disclosed to me before or at the time I accepted the mandate. I would never have agreed if I had been told. I have asked repeatedly for the call recordings with Amanda to prove what was (and was not) explained. They have not been provided. The company has also continued to pressure me for the cancellation fee and indicated that work will continue on the application if I do not pay. I have already referred the matter to the National Credit Regulator (NCR) by email and telephone. The NCR is investigating. My bank advised me to reject any further mandates from this company, open a new account if necessary, and escalate to the NCR. What I demand: 1. Immediate and full withdrawal / cancellation of the debt-review application and all related mandates. 2. Immediate clearance of the debt-review flag on my credit record and notification to all my credit providers that the review was not properly consented to. 3. Issuance of a clearance certificate (or equivalent confirmation) so that my creditors can resume normal deductions exactly as before. 4. Written confirmation that no cancellation fee or any other fee is payable, given the lack of proper disclosure, the speed of my cancellation request, and the questionable nature of the “signed” pack. 5. Suspension of all collection or further administrative action pending the NCR’s investigation. I am not over-indebted. I was misled into believing I was only requesting a savings assessment. Placing a consumer under debt review without clear, informed consent and then demanding a large cancellation fee after an almost immediate cancellation request is unacceptable. I request that RSA Debt Solutions / RSA Credit Solutions act immediately to clear my name and restore my accounts to their previous status. I also urge the National Credit Regulator to treat this matter as urgent. Thabang Phatudi (Contact details available on request)