Dont open an account with RCS as you will not be able to close it

I took up a RCS credit account as the store I was buying from had a, "Get R2000 off your first purchase over R10000 with your the RCS card" promotion. I purchased with my newly minted card. All good and well I thought. It`s been 3 months now I cant seem to close my account even though its all paid up.

After the first time trying to close the account failed, I gave RCS the benefit of the doubt and resettled when they informed me the following month that I still have an amount outstanding of R245. I requested a new settlement amount and paid that amount within 1 hour of receiving the letter. In fact, I paid in a bit extra just in-case.

I now, a month later, get calls from their collections department stating that I owe another R145. This has become too much now, as they seem to be milking me for administration fees. I`ve laid a complaint with the Credit Ombudsman. I have all my correspondences, proof of payments, settlement letters etc and now I am going to ask for the previous settlement amount, that I paid in good faith thinking that the account will be closed, paid back to me during this process.

I encourage all people affected by RCS to lay a complaint with the Ombudsman. Here is the link: https://rascal.tsf.ipactive.biz/ciocompl.html Its really easy and painless.