Company that doesn't stick to its policies.

Pay joy has a police that says you can take a phone and return it at any time however they won't pay you back the money you already paid.

I took a phone from payjoy two days later I mistakenly forgot my password which led to my phone being blocked. Tried resetting the phone I couldn't do so due to the app pay joy has installed. Took the phone back to Edgars which called payjoy and was advices that edgars takes the phone to Voda repairs. To my surprise Voda repairs call me two days later with a quotation on R1800 to reset the phone which will be paid by me and not payjoy. I refused to pay that amount and asked them to take the phone back to the store. Following day went to the store and asked to cancel the contract which the store did(following all due process). That was in October, fast-forward to February I tried to get credit I was declined when asked the reason I was told to check my credit profile. I did as adviced and when I checked I found that the contract that I canceled with payjoy and the phone that is not with me, has handed my account over for debt collection. Went to the store(Edgar's) they called payjoy who said they will investigate the matter which they never did. Because I wanted to get the loan I was applying for so my daughter could go to Varsity I then decided to pay for the phone and go get it at shop. However my information hasn't changed on the system and they still taking me from pillar to post. Payjoy is the worst company to deal with and they understand that they are playing with people's livelihood.