NUDEBT PAYMENT SOLUTIONS/ NU DEBT MANAGEMENT: ********* Business Practices and ************ Tactics

Subject: ********* Business Practices and ************ Tactics - Immediate Action Required

Dear NUDEBT PAYMENT SOLUTIONS/ NU DEBT MANAGEMENT

I hope this email finds you well. I am writing to bring to your attention additional crucial points regarding the recent communication received from your office NuDebt Management (Pty) Ltd on behalf of Rain Networks, dated November 17, 2023.

I have previously requested from Rain Networks a statement of account and was rudely instructed to simply pay without any explanation or transparency on how the calculated amount was determined. Before making any payment, I insist on receiving the recording where I allegedly instructed this calculation. It is essential for me to verify the accuracy of the claims before proceeding with any payments.

In the message received from your office NuDebt Management (Pty) Ltd, it is stated, "Please note that this amount is now long overdue, and you are hereby notified that 30% of the above outstanding amount should be paid within 48 HOURS, by Monday 20th November 2023, and the remainder of the 70% balance within 7 (Seven) Working/Business Days, Friday 24th November 2023." I must express my dismay at the demanding nature of this communication, as it implies an urgency that is not justified. Demanding payment within such a short timeframe places undue pressure on me to assume the financial burden for the business, which clearly lacks correct processes in place It is important to emphasise that the responsibility for this situation lies with Rain Networks due to the subpar quality of services provided, which led to the cancellation of the services on my part. Demanding immediate payment without first addressing the billing discrepancies and ********* practices only serves to compound the issue. I want to make it clear that I cannot be held responsible for the financial losses incurred by Rain Networks as a result of their inadequate business processes. I insist on a thorough investigation into the cancellation of services, a resolution to the billing discrepancy, and an assurance that all future communications will adhere to ethical standards. Furthermore, it is imperative to understand that the responsibility lies with Rain Networks to not renew a month-to-month service beyond one month in arrears. The very first email your office (NuDebt Management (Pty) Ltd) sent me was in a threatening tone, demonstrating a lack of effort to engage in a meaningful resolution. There was no attempt to contact me via phone call or leave a callback message. Additionally, within your email, there was no offer of more affordable payment plans, nor was there any encouragement for consumers to consider debt counseling, which could assist with debt restructuring and re-negotiating instalments and interest rates. *This is a practice to follow*

In this regard, I would like to bring to your attention the legal rights of consumers in dealing with debt collectors. According to consumer protection law, including the Debt Collectors Council regulations:

Consumers have the right to a statement of the amount owed and how it was calculated. Debt collectors must provide copies of loan documents or statements for an alleged debt upon request. Consumers are entitled to refuse to pay anything until they receive details or in my situation the information I have requested and supporting documents for the claim. A debt collector is not allowed to: Use force or threaten and demanding payment as you did with additional fees attached is against CPA Act. Provide false information to the consumer's employer that may affect their opportunities as an employee. Serve any false legal documents. Present themselves as police officers, sheriffs, or officers of the court. Spread or threaten to spread any false information about the consumer's creditworthiness. Charge more than the fees set down by the Council.

I want to reiterate that I have not admitted to any liability, and I am awaiting the recording and the statement that shows how many months in arrears with usage. I expect an immediate and thorough investigation into these matters, a resolution to the billing discrepancy, and an assurance that all future communications will adhere to ethical standards.

Failure to address these concerns promptly will compel me to escalate this matter to relevant regulatory bodies, consumer protection agencies, and legal authorities.

I await your immediate attention to this matter.