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I had a R99 deduction from my bank account on 25 Dec 2015 and on 25 Jan another two R99 (one for Des again). This was by Paytoza on behalf of Onecall solutions. They gave me the contact details, and I spoke to Kyle Naidoo on 25 Jan and to Mikayla Naidoo on 02 February, BUT no refund yet. I did not agree to any debit order.