FJ
Fatimah J
1 reviews | Active since Oct 2020
03 Nov 2022, 14:47
Not using again!
Outrageous experience with extremely rude customer service response. Predatory interest fees and multiple daily attempts at taking the instalment owed.
Helpful (0)
Replies (3)0
Replies (3)
payflex's replyOfficial
03 Nov 2022, 15:44Hi Fatimah
Thanks for your review and the opportunity to explain to you what has occurred. It also allows us the opportunity help educate other customers on the use of Payflex.
We have looked into the transactions on your payment plan and can confirm that Payflex have performed all the transactions in line with our terms and conditions.
The terms and conditions of use with Payflex are very clear in terms of payment dates, the late payment fees, bank fees as well the the number of attempts we will make to recover monies owed.
Reference to all the terms and conditions (https://payflex.co.za/terms-conditions/) that you had a chance to review during registration are listed below for reference in relation to your review.
SECTION 5 - YOUR OBLIGATIONS AND UNDERTAKING
5.1.5. You unconditionally and irrevocably agree that we are entitled to debit any of your Card accounts in accordance with the Instalment Plan, including any Default Fees.
5.1.6. You agree to have sufficient funds available in your Card account to cover all Instalment Payments when due in full, or alternatively to pay the Instalment Payments in full before the due date.
5.1.7. You agree to pay all amounts due under the Instalment Plan irrespective of any issue or dispute with respect to the Goods or the Retailer, regardless of whether you currently own or have the Goods in your possession or if they were ordered as a result of any unauthorised or ********** use of your account.
5.1.8. You agree that each Instalment Plan entered into is a new transaction and that your use of the Payflex Platform and the Payment Services is at our discretion, and that there is no guarantee that the Payflex Platform or the Payment Services will be available for any purchase of Goods.
5.1.9. You agree not to apply any set-off or other deduction from any Instalment Payment for any reason including any dispute or issue you may have with the Retailer, the Retailer Site or in relation to the Goods supp**** by the Retailer or if Goods were ordered as a result of any unauthorised or ********** use of your account.
5.2. You are liable for any fees or costs that your bank may charge you when payment is made using your Card.
SECTION 8 - MISSED PAYMENTS
8.1. The Instalment Plan provided to you will serve as the account for the payments required under the Instalment Plan and will indicate the due date for each Instalment Payment to be made.
8.2. If we have not received an Instalment Payment on its due date, then we will automatically charge a Default Fee to the Instalment Plan and will continue to charge an additional Default Fee every week thereafter, until either (i) we have received full payment on your outstanding balance (including any Default Fees) or (ii) you have been charged a maximum of three (3) Default Fees on an Instalment Plan.
8.3. In the event that we are unsuccessful in obtaining payment from your Card account for an Instalment on the due date, you irrevocably authorise us to:
8.3.1. take payment of the overdue Instalment Payment including any Default Fees from any of your Card accounts at any date.
8.3.2. accelerate the due date of all future Instalments for the Instalment Plan that is in arrears, and take payment from any of your Card accounts at any date;
8.3.3. accelerate the due date of all future Instalments for any other Instalment Plan you may have, and take payment from any of your Card accounts at any date;
8.4. Payflex reserves the right, in its absolute discretion to waive or defer any Default Fees. Any express election we make to temporarily or permanently waive payment by you of a Default Fee or other amount due to us under an Instalment Plan does not imply a waiver of any other amount due and we reserve all rights to make demand for such amounts.
8.5. Total Default Fees charged shall be capped at the lower of R255.00 (including VAT) or 50% of the Purchase Price (including VAT).
We do trust the above has helped you better understand what has occurred and why.
Please feel free to reach out to *** for any more information and assistance.
Regards
The Payflex Team
Thanks for your review and the opportunity to explain to you what has occurred. It also allows us the opportunity help educate other customers on the use of Payflex.
We have looked into the transactions on your payment plan and can confirm that Payflex have performed all the transactions in line with our terms and conditions.
The terms and conditions of use with Payflex are very clear in terms of payment dates, the late payment fees, bank fees as well the the number of attempts we will make to recover monies owed.
Reference to all the terms and conditions (https://payflex.co.za/terms-conditions/) that you had a chance to review during registration are listed below for reference in relation to your review.
SECTION 5 - YOUR OBLIGATIONS AND UNDERTAKING
5.1.5. You unconditionally and irrevocably agree that we are entitled to debit any of your Card accounts in accordance with the Instalment Plan, including any Default Fees.
5.1.6. You agree to have sufficient funds available in your Card account to cover all Instalment Payments when due in full, or alternatively to pay the Instalment Payments in full before the due date.
5.1.7. You agree to pay all amounts due under the Instalment Plan irrespective of any issue or dispute with respect to the Goods or the Retailer, regardless of whether you currently own or have the Goods in your possession or if they were ordered as a result of any unauthorised or ********** use of your account.
5.1.8. You agree that each Instalment Plan entered into is a new transaction and that your use of the Payflex Platform and the Payment Services is at our discretion, and that there is no guarantee that the Payflex Platform or the Payment Services will be available for any purchase of Goods.
5.1.9. You agree not to apply any set-off or other deduction from any Instalment Payment for any reason including any dispute or issue you may have with the Retailer, the Retailer Site or in relation to the Goods supp**** by the Retailer or if Goods were ordered as a result of any unauthorised or ********** use of your account.
5.2. You are liable for any fees or costs that your bank may charge you when payment is made using your Card.
SECTION 8 - MISSED PAYMENTS
8.1. The Instalment Plan provided to you will serve as the account for the payments required under the Instalment Plan and will indicate the due date for each Instalment Payment to be made.
8.2. If we have not received an Instalment Payment on its due date, then we will automatically charge a Default Fee to the Instalment Plan and will continue to charge an additional Default Fee every week thereafter, until either (i) we have received full payment on your outstanding balance (including any Default Fees) or (ii) you have been charged a maximum of three (3) Default Fees on an Instalment Plan.
8.3. In the event that we are unsuccessful in obtaining payment from your Card account for an Instalment on the due date, you irrevocably authorise us to:
8.3.1. take payment of the overdue Instalment Payment including any Default Fees from any of your Card accounts at any date.
8.3.2. accelerate the due date of all future Instalments for the Instalment Plan that is in arrears, and take payment from any of your Card accounts at any date;
8.3.3. accelerate the due date of all future Instalments for any other Instalment Plan you may have, and take payment from any of your Card accounts at any date;
8.4. Payflex reserves the right, in its absolute discretion to waive or defer any Default Fees. Any express election we make to temporarily or permanently waive payment by you of a Default Fee or other amount due to us under an Instalment Plan does not imply a waiver of any other amount due and we reserve all rights to make demand for such amounts.
8.5. Total Default Fees charged shall be capped at the lower of R255.00 (including VAT) or 50% of the Purchase Price (including VAT).
We do trust the above has helped you better understand what has occurred and why.
Please feel free to reach out to *** for any more information and assistance.
Regards
The Payflex Team
Best regards,
payflex's reply03 Nov 2022, 15:44
Official
Hi Fatimah
Thanks for your review and the opportunity to explain to you what has occurred. It also allows us the opportunity help educate other customers on the use of Payflex.
We have looked into the transactions on your payment plan and can confirm that Payflex have performed all the transactions in line with our terms and conditions.
The terms and conditions of use with Payflex are very clear in terms of payment dates, the late payment fees, bank fees as well the the number of attempts we will make to recover monies owed.
Reference to all the terms and conditions (https://payflex.co.za/terms-conditions/) that you had a chance to review during registration are listed below for reference in relation to your review.
SECTION 5 - YOUR OBLIGATIONS AND UNDERTAKING
5.1.5. You unconditionally and irrevocably agree that we are entitled to debit any of your Card accounts in accordance with the Instalment Plan, including any Default Fees.
5.1.6. You agree to have sufficient funds available in your Card account to cover all Instalment Payments when due in full, or alternatively to pay the Instalment Payments in full before the due date.
5.1.7. You agree to pay all amounts due under the Instalment Plan irrespective of any issue or dispute with respect to the Goods or the Retailer, regardless of whether you currently own or have the Goods in your possession or if they were ordered as a result of any unauthorised or ********** use of your account.
5.1.8. You agree that each Instalment Plan entered into is a new transaction and that your use of the Payflex Platform and the Payment Services is at our discretion, and that there is no guarantee that the Payflex Platform or the Payment Services will be available for any purchase of Goods.
5.1.9. You agree not to apply any set-off or other deduction from any Instalment Payment for any reason including any dispute or issue you may have with the Retailer, the Retailer Site or in relation to the Goods supp**** by the Retailer or if Goods were ordered as a result of any unauthorised or ********** use of your account.
5.2. You are liable for any fees or costs that your bank may charge you when payment is made using your Card.
SECTION 8 - MISSED PAYMENTS
8.1. The Instalment Plan provided to you will serve as the account for the payments required under the Instalment Plan and will indicate the due date for each Instalment Payment to be made.
8.2. If we have not received an Instalment Payment on its due date, then we will automatically charge a Default Fee to the Instalment Plan and will continue to charge an additional Default Fee every week thereafter, until either (i) we have received full payment on your outstanding balance (including any Default Fees) or (ii) you have been charged a maximum of three (3) Default Fees on an Instalment Plan.
8.3. In the event that we are unsuccessful in obtaining payment from your Card account for an Instalment on the due date, you irrevocably authorise us to:
8.3.1. take payment of the overdue Instalment Payment including any Default Fees from any of your Card accounts at any date.
8.3.2. accelerate the due date of all future Instalments for the Instalment Plan that is in arrears, and take payment from any of your Card accounts at any date;
8.3.3. accelerate the due date of all future Instalments for any other Instalment Plan you may have, and take payment from any of your Card accounts at any date;
8.4. Payflex reserves the right, in its absolute discretion to waive or defer any Default Fees. Any express election we make to temporarily or permanently waive payment by you of a Default Fee or other amount due to us under an Instalment Plan does not imply a waiver of any other amount due and we reserve all rights to make demand for such amounts.
8.5. Total Default Fees charged shall be capped at the lower of R255.00 (including VAT) or 50% of the Purchase Price (including VAT).
We do trust the above has helped you better understand what has occurred and why.
Please feel free to reach out to *** for any more information and assistance.
Regards
The Payflex Team
Thanks for your review and the opportunity to explain to you what has occurred. It also allows us the opportunity help educate other customers on the use of Payflex.
We have looked into the transactions on your payment plan and can confirm that Payflex have performed all the transactions in line with our terms and conditions.
The terms and conditions of use with Payflex are very clear in terms of payment dates, the late payment fees, bank fees as well the the number of attempts we will make to recover monies owed.
Reference to all the terms and conditions (https://payflex.co.za/terms-conditions/) that you had a chance to review during registration are listed below for reference in relation to your review.
SECTION 5 - YOUR OBLIGATIONS AND UNDERTAKING
5.1.5. You unconditionally and irrevocably agree that we are entitled to debit any of your Card accounts in accordance with the Instalment Plan, including any Default Fees.
5.1.6. You agree to have sufficient funds available in your Card account to cover all Instalment Payments when due in full, or alternatively to pay the Instalment Payments in full before the due date.
5.1.7. You agree to pay all amounts due under the Instalment Plan irrespective of any issue or dispute with respect to the Goods or the Retailer, regardless of whether you currently own or have the Goods in your possession or if they were ordered as a result of any unauthorised or ********** use of your account.
5.1.8. You agree that each Instalment Plan entered into is a new transaction and that your use of the Payflex Platform and the Payment Services is at our discretion, and that there is no guarantee that the Payflex Platform or the Payment Services will be available for any purchase of Goods.
5.1.9. You agree not to apply any set-off or other deduction from any Instalment Payment for any reason including any dispute or issue you may have with the Retailer, the Retailer Site or in relation to the Goods supp**** by the Retailer or if Goods were ordered as a result of any unauthorised or ********** use of your account.
5.2. You are liable for any fees or costs that your bank may charge you when payment is made using your Card.
SECTION 8 - MISSED PAYMENTS
8.1. The Instalment Plan provided to you will serve as the account for the payments required under the Instalment Plan and will indicate the due date for each Instalment Payment to be made.
8.2. If we have not received an Instalment Payment on its due date, then we will automatically charge a Default Fee to the Instalment Plan and will continue to charge an additional Default Fee every week thereafter, until either (i) we have received full payment on your outstanding balance (including any Default Fees) or (ii) you have been charged a maximum of three (3) Default Fees on an Instalment Plan.
8.3. In the event that we are unsuccessful in obtaining payment from your Card account for an Instalment on the due date, you irrevocably authorise us to:
8.3.1. take payment of the overdue Instalment Payment including any Default Fees from any of your Card accounts at any date.
8.3.2. accelerate the due date of all future Instalments for the Instalment Plan that is in arrears, and take payment from any of your Card accounts at any date;
8.3.3. accelerate the due date of all future Instalments for any other Instalment Plan you may have, and take payment from any of your Card accounts at any date;
8.4. Payflex reserves the right, in its absolute discretion to waive or defer any Default Fees. Any express election we make to temporarily or permanently waive payment by you of a Default Fee or other amount due to us under an Instalment Plan does not imply a waiver of any other amount due and we reserve all rights to make demand for such amounts.
8.5. Total Default Fees charged shall be capped at the lower of R255.00 (including VAT) or 50% of the Purchase Price (including VAT).
We do trust the above has helped you better understand what has occurred and why.
Please feel free to reach out to *** for any more information and assistance.
Regards
The Payflex Team
Best regards,
FJ
Fatimah J's updateReviewer Update
03 Nov 2022, 16:29Hi, thank you for the response. I’m not referring to the default interest - my card was being charged by Payflex multiple times a day (3-4) every single day since the instalment was missed. That is not in-line with the credit act or your TOS. Please try and understand what I am saying:
Charge attempt 1: around 7-9 in the morning
Charge attempt 2 and 3: around 12-5 in the afternoon
Charge attempt 4 on some days: 5-7pm
The above has been occurring every day since the missed payment due to my salary being late. I get notifications with every attempt. This is not normal which is why FNB is querying these charges.
Charge attempt 1: around 7-9 in the morning
Charge attempt 2 and 3: around 12-5 in the afternoon
Charge attempt 4 on some days: 5-7pm
The above has been occurring every day since the missed payment due to my salary being late. I get notifications with every attempt. This is not normal which is why FNB is querying these charges.
FJ
Fatimah J's update03 Nov 2022, 16:29
Reviewer Update
Hi, thank you for the response. I’m not referring to the default interest - my card was being charged by Payflex multiple times a day (3-4) every single day since the instalment was missed. That is not in-line with the credit act or your TOS. Please try and understand what I am saying:
Charge attempt 1: around 7-9 in the morning
Charge attempt 2 and 3: around 12-5 in the afternoon
Charge attempt 4 on some days: 5-7pm
The above has been occurring every day since the missed payment due to my salary being late. I get notifications with every attempt. This is not normal which is why FNB is querying these charges.
Charge attempt 1: around 7-9 in the morning
Charge attempt 2 and 3: around 12-5 in the afternoon
Charge attempt 4 on some days: 5-7pm
The above has been occurring every day since the missed payment due to my salary being late. I get notifications with every attempt. This is not normal which is why FNB is querying these charges.
payflex's replyOfficial
04 Nov 2022, 07:39Hi Fatimah
Many thanks for your reply as well. We fully understand what you are saying.
We have been trying to call you for the last 2 days on both you cell numbers without success to discuss your review.
It is therefor best we respond and again to explain Payflex's position on your review.
A) Payflex is not bound by the National Credit Act, as we do not charge customers interest on the payment plans we provide them.
B) Payflex charges late fees which are within regulatory norms and explained in section 8.5 of our terms and conditions. This was posted in our original response and reads as follows: "Total Default Fees charged shall be capped at the lower of R255.00 (including VAT) or 50% of the Purchase Price (including VAT)."
C) Payflex take non-payment very seriously, as we are providing a free payment plan to our customers. So breach of the payment dates does require us to attempt as many times as possible to collect outstanding installments. Section 5.1.5. and 5.1.6 clearly explain the terms and conditions the commitment that customer sign up to.
5.1.5. You unconditionally and irrevocably agree that we are entitled to debit any of your Card accounts in accordance with the Instalment Plan, including any Default Fees.
5.1.6. You agree to have sufficient funds available in your Card account to cover all Instalment Payments when due in full, or alternatively to pay the Instalment Payments in full before the due date.
When a customers does not pay on due date, Payflex incurs costs which we have to then pass onto the customer. I am sure you would agree that it would not be fair for Payflex to carry these costs.
D) Costs being charged by your bank for unsuccessful debit attempts by Payflex will be for your account as explained in section 5.2 of our terms and conditions.
5.2. You are liable for any fees or costs that your bank may charge you when payment is made using your Card.
E) The number of attempts to collect outstanding payments is not limited to any number of attempts and Payflex will attempt on subsequent days to collect what is due. However we will not attempt more than 1 x per installment due per day. None the less this is part of our terms and conditions as explained in our original response and as per section 8 and subsection 8.3.1 of the Payflex terms and conditions, extracted below for ease of reference.
8.3. In the event that we are unsuccessful in obtaining payment from your Card account for an Instalment on the due date, you irrevocably authorise us to:
8.3.1. take payment of the overdue Instalment Payment including any Default Fees from any of your Card accounts at any date.
I do hope this helps to clarify Payflex's position in terms of this review.
Our COO has send you a separate mail requesting time to discuss the above. We do trust you will be open to a call.
Regards
The Payflex Team
Many thanks for your reply as well. We fully understand what you are saying.
We have been trying to call you for the last 2 days on both you cell numbers without success to discuss your review.
It is therefor best we respond and again to explain Payflex's position on your review.
A) Payflex is not bound by the National Credit Act, as we do not charge customers interest on the payment plans we provide them.
B) Payflex charges late fees which are within regulatory norms and explained in section 8.5 of our terms and conditions. This was posted in our original response and reads as follows: "Total Default Fees charged shall be capped at the lower of R255.00 (including VAT) or 50% of the Purchase Price (including VAT)."
C) Payflex take non-payment very seriously, as we are providing a free payment plan to our customers. So breach of the payment dates does require us to attempt as many times as possible to collect outstanding installments. Section 5.1.5. and 5.1.6 clearly explain the terms and conditions the commitment that customer sign up to.
5.1.5. You unconditionally and irrevocably agree that we are entitled to debit any of your Card accounts in accordance with the Instalment Plan, including any Default Fees.
5.1.6. You agree to have sufficient funds available in your Card account to cover all Instalment Payments when due in full, or alternatively to pay the Instalment Payments in full before the due date.
When a customers does not pay on due date, Payflex incurs costs which we have to then pass onto the customer. I am sure you would agree that it would not be fair for Payflex to carry these costs.
D) Costs being charged by your bank for unsuccessful debit attempts by Payflex will be for your account as explained in section 5.2 of our terms and conditions.
5.2. You are liable for any fees or costs that your bank may charge you when payment is made using your Card.
E) The number of attempts to collect outstanding payments is not limited to any number of attempts and Payflex will attempt on subsequent days to collect what is due. However we will not attempt more than 1 x per installment due per day. None the less this is part of our terms and conditions as explained in our original response and as per section 8 and subsection 8.3.1 of the Payflex terms and conditions, extracted below for ease of reference.
8.3. In the event that we are unsuccessful in obtaining payment from your Card account for an Instalment on the due date, you irrevocably authorise us to:
8.3.1. take payment of the overdue Instalment Payment including any Default Fees from any of your Card accounts at any date.
I do hope this helps to clarify Payflex's position in terms of this review.
Our COO has send you a separate mail requesting time to discuss the above. We do trust you will be open to a call.
Regards
The Payflex Team
Best regards,
payflex's reply04 Nov 2022, 07:39
Official
Hi Fatimah
Many thanks for your reply as well. We fully understand what you are saying.
We have been trying to call you for the last 2 days on both you cell numbers without success to discuss your review.
It is therefor best we respond and again to explain Payflex's position on your review.
A) Payflex is not bound by the National Credit Act, as we do not charge customers interest on the payment plans we provide them.
B) Payflex charges late fees which are within regulatory norms and explained in section 8.5 of our terms and conditions. This was posted in our original response and reads as follows: "Total Default Fees charged shall be capped at the lower of R255.00 (including VAT) or 50% of the Purchase Price (including VAT)."
C) Payflex take non-payment very seriously, as we are providing a free payment plan to our customers. So breach of the payment dates does require us to attempt as many times as possible to collect outstanding installments. Section 5.1.5. and 5.1.6 clearly explain the terms and conditions the commitment that customer sign up to.
5.1.5. You unconditionally and irrevocably agree that we are entitled to debit any of your Card accounts in accordance with the Instalment Plan, including any Default Fees.
5.1.6. You agree to have sufficient funds available in your Card account to cover all Instalment Payments when due in full, or alternatively to pay the Instalment Payments in full before the due date.
When a customers does not pay on due date, Payflex incurs costs which we have to then pass onto the customer. I am sure you would agree that it would not be fair for Payflex to carry these costs.
D) Costs being charged by your bank for unsuccessful debit attempts by Payflex will be for your account as explained in section 5.2 of our terms and conditions.
5.2. You are liable for any fees or costs that your bank may charge you when payment is made using your Card.
E) The number of attempts to collect outstanding payments is not limited to any number of attempts and Payflex will attempt on subsequent days to collect what is due. However we will not attempt more than 1 x per installment due per day. None the less this is part of our terms and conditions as explained in our original response and as per section 8 and subsection 8.3.1 of the Payflex terms and conditions, extracted below for ease of reference.
8.3. In the event that we are unsuccessful in obtaining payment from your Card account for an Instalment on the due date, you irrevocably authorise us to:
8.3.1. take payment of the overdue Instalment Payment including any Default Fees from any of your Card accounts at any date.
I do hope this helps to clarify Payflex's position in terms of this review.
Our COO has send you a separate mail requesting time to discuss the above. We do trust you will be open to a call.
Regards
The Payflex Team
Many thanks for your reply as well. We fully understand what you are saying.
We have been trying to call you for the last 2 days on both you cell numbers without success to discuss your review.
It is therefor best we respond and again to explain Payflex's position on your review.
A) Payflex is not bound by the National Credit Act, as we do not charge customers interest on the payment plans we provide them.
B) Payflex charges late fees which are within regulatory norms and explained in section 8.5 of our terms and conditions. This was posted in our original response and reads as follows: "Total Default Fees charged shall be capped at the lower of R255.00 (including VAT) or 50% of the Purchase Price (including VAT)."
C) Payflex take non-payment very seriously, as we are providing a free payment plan to our customers. So breach of the payment dates does require us to attempt as many times as possible to collect outstanding installments. Section 5.1.5. and 5.1.6 clearly explain the terms and conditions the commitment that customer sign up to.
5.1.5. You unconditionally and irrevocably agree that we are entitled to debit any of your Card accounts in accordance with the Instalment Plan, including any Default Fees.
5.1.6. You agree to have sufficient funds available in your Card account to cover all Instalment Payments when due in full, or alternatively to pay the Instalment Payments in full before the due date.
When a customers does not pay on due date, Payflex incurs costs which we have to then pass onto the customer. I am sure you would agree that it would not be fair for Payflex to carry these costs.
D) Costs being charged by your bank for unsuccessful debit attempts by Payflex will be for your account as explained in section 5.2 of our terms and conditions.
5.2. You are liable for any fees or costs that your bank may charge you when payment is made using your Card.
E) The number of attempts to collect outstanding payments is not limited to any number of attempts and Payflex will attempt on subsequent days to collect what is due. However we will not attempt more than 1 x per installment due per day. None the less this is part of our terms and conditions as explained in our original response and as per section 8 and subsection 8.3.1 of the Payflex terms and conditions, extracted below for ease of reference.
8.3. In the event that we are unsuccessful in obtaining payment from your Card account for an Instalment on the due date, you irrevocably authorise us to:
8.3.1. take payment of the overdue Instalment Payment including any Default Fees from any of your Card accounts at any date.
I do hope this helps to clarify Payflex's position in terms of this review.
Our COO has send you a separate mail requesting time to discuss the above. We do trust you will be open to a call.
Regards
The Payflex Team
Best regards,