FORMAL COMPLAINT – PLANET42 (NON‑RESPONSE, FALSE ARREARS CLAIMS & THREATENING CONDUCT)

I am lodging this formal complaint due to Planet42’s unprofessional, harassing, and procedurally incorrect behavior, as well as their complete failure to respond to my written communication.

1. Background I have a valid debit order with Planet42, which has been successfully deducted every month for the past three years. In fact, the debit order runs before my salary even reflects, meaning Planet42 is paid before I am. Despite this, during the past week I received: • Snotty and demanding emails instructing me to “phone immediately to make payment arrangements”, claiming my account is in arrears. • A threatening SMS stating that my account is “2 months in arrears” and that my vehicle will be repossessed if I do not pay immediately. These accusations are false, unfounded, and deeply unprofessional.

2. My Response (Ignored by Planet42) I responded immediately and provided: • Three months of bank statements, with all debit orders clearly highlighted. • A request for a written apology for the false arrears claim and threatening conduct. To date, I have received no reply, no acknowledgement, no correction, and no apology.

3. Why This Conduct Is Unacceptable

Threatening repossession while the account is fully paid up is: • A violation of the National Credit Act • A form of harassment • A false accusation • A sign of internal administrative failure

If Planet42 attempted to take my vehicle while I am fully paid up, it would amount to ******** repossession.

4. My Formal Requests (to be provided in writing)

Planet42 is hereby required to provide the following documents and confirmations: 1. A full Payment Allocation Report for the past 12 months 2. A full Arrears Calculation Report, showing how they arrived at the false arrears claim 3. A Statement of Account reflecting all payments received 4. Confirmation that my account is NOT in arrears 5. A written apology for the threatening SMS and emails 6. Confirmation that their internal records have been corrected 7. Assurance that no further false arrears threats or repossession threats will be issued

5. My Expectations I expect: • A written response, • A written apology, • And all requested documents within a reasonable timeframe. If Planet42 continues to ignore my communication, I will escalate this matter to: • The National Credit Regulator (NCR) • The Credit Ombud • Social media platforms to warn potential clients

I have proof of every payment, and I will not tolerate ************, false accusations, or administrative incompetence.

6. Final Note Planet42’s behavior has been distasteful, unprofessional, and unacceptable. I am posting this complaint publicly because the company has refused to respond privately.