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A few years back I took out a personal loan with RCS with interest it came to R90 000 which was like double the amount I loaned. when I took it out I said I had my own insurance but never had the joy of somebody at RCS to help me put that in place (cesssion) for RCS. when I have paid off and came to about R30 000 I realised that I was paying R225 pm for insurance that they have organised. for R225 pm I could get (at my age) over R400 000 life cover - so I really threw a fit. It took me another 1 to get them to get as far as sending me the correct forms for putting my own lifecover in place. then when I gor to R20 000 outstanding that was organised but I only got refunded from tge day I threw a fit iso from inception. then about 4/6months agonI realised that there is only 4/6 paymemts left (took the amount and divided it) but when I came to the sevond last payment I noticed that all of a sudden about half a year back my payback amount had gone up with in the region of R125. In vain to say that I spent most probably over R3000 on telephone calls (airtime) and not to even mention the hours (time) on the phone/email. WITH NO JOY. so by the time the last payment was due Nov 2017 there was another R1 000 still outstanding. since nov my efforts to get hold of ANYBODY at RCS that can help has been in vain (with my initial problem a few years back a lady by the name of Dielshaad Sofejan was so kind to help me sort it out (cancel RCS's insurance and put mine in place) and then somewhere in between then and now there were a problem again with an incorrect amount charged and she helped me again even though it was not her job. now since november it is still as the 4 months prior to that to get somebodynto help to tell me WHY MY PAYMENT WENT UP WITH R125 WHILST THE INTEREST RATE CAME DOWN TWICE LAST YEAR!!! this R1 000 I think has in 2 months now grown with like I think R800 and still NOBODYNCAN TELL ME WHAT THE EXTRA AMOUNT IS FOR. in my time I have had problems with quite a few companies who's systems was a total ......-up but with RCS's stinking attitude this has BEEN THE WORST EXPERIENCE OF MY LIFE. I WOULD SUGGEST WHEN YOU GO LOOKING TO BORROW MONEY MAKE A BEELINE FOR SOME OTHER COMPANY AND STAY CLEAR IF THIS **** THAT YOU DEFINITELY WOULD REGRET. IN ALL THE YEARS I NEVER PAID LATE AND ALWAYS THE FULL AMOUNT (CORRECT AMOUNT NOT THEIR FAULTY AMOUNT) AND IF I AM TREATED LIKE **** IMAGINE HOW YOU MIGHT BE TREATED. NOTHING IS WORSE THAN WHEN YOU ARE AN OUTSTANDING CLIENT TO BE DONE IN LIKE THIS AND TRWATED LIKE **** LIKE THIS. THIS CO.PANY IS ALSO ONE OF THOSE THAT HARRASS YOU EVERYDAY ALL DAY LONG AT ALL HOURS OF THE DAY AND NIGHT AND THEN YOU HAVE TO.PAY R25 FOR EVERY CALL THEY MAKE TO YOU - EVEN THOUGH THERE IS NOBODY ON THAT LINE THAT CAN HELP YOU (NEW SA - UNDEREDUCATED ****)