************ with debt collectors prior to assistance request

Good day RCS

I would like to file a complaint with your collections department. I called in May 2021 to make a payment arrangement for my spitz account in the middle of may so that my account can be paid via debit order until its back in a positive balance.

The consultant that assisted me advised me to provide him with a contact number *** and email address to send correspondence to. She will contact me to set up a debit order so that my account can be paid via it and it won't be in arrears again as the funds will be taken from my bank account and bear in mind I lost my job during the covid hard lock down and also to update my surnames.

Now my account is handed over due to lack of diligence by your collection agency and I waited for five months to be assisted with a debit order without any success.

Kindly sort out the issue as I feel that we may be charged for billings that incorrect and the lack of correspondence has raised the red flags as i have never been provided my statements even when I owe thats the PPR gazetted by government that correspondence but you collections department failed to do so and know you are intimitading with debt collections agency did you honour my request to do a debit order for the account payment.

Kindly investigate and provide me all the statements for my account and with a suitable arrangement to pay of my account.

ID Number: *** Contact number:*** and ***.

Further follow up were made below Good day katlego Osborne

Thank you for your email.

We have forwarded your email to Jacob at our call centre who will be in contact with you to get additional information and to log a complaint for you. It will then be allocated to case manager for investigation. Further communication will follow upon receipt of a reply from the credit provider.

Daisy Guntert

Credit Ombud

5 Hunter Street, Cnr Bram Fischer

Fernridge Office Park, First Floor, Silver Fern Building

Ferndale, Randburg

Postal: P.O. Box 805, Pinegowrie 2123

Tel: *** Fax: 086 ***

Email: ***

Web: http://www.creditombud.org.za

Complaints <***> Thu, Oct 21, 2021, 5:02 PM to complaints, me

Good day,

We herewith acknowledge receipt of your complaint.

Your complaint reference number is ACT-***-W7C0T5

We have escalated the complaint to the relevant department for further assistance.

Should you have any additional enquiries please do not hesitate to contact our Customer Service Department telephonically on ***or via e-mail: ***

Kind Regards

Nazeema

Original Message: From: *** Sent: Tuesday, October 19, 2021 4:26:40 PM To: *** Cc: *** Subject: lack of assistance from the collection department.

Good day RCS

I would like to file a complaint with your collections department. I called in May 2021 to make a payment arrangement for my spitz account in the middle of may so that my account can be paid via debit order until its back in a positive balance.

The consultant that assisted me advised me to provide him with a contact number *** and email address to send correspondence to. She will contact me to set up a debit order so that my account can be paid via it and it won't be in arrears again as the funds will be taken from my bank account and bear in mind I lost my job during the covid hard lock down and also to update my surnames.

Now my account is handed over due to lack of diligence by your collection agency and I waited for five months to be assisted with a debit order without any success.

Kindly sort out the issue as I feel that we may be charged for billings that incorrect and the lack of correspondence has raised the red flags as i have never been provided my statements even when I owe thats the PPR gazetted by government that correspondence but you collections department failed to do so and know you are intimitading with debt collections agency did you honour my request to do a debit order for the account payment.

Kindly investigate and provide me all the statements for my account and with a suitable arrangement to pay of my account.

ID Number: *** Contact number:*** and ***.

Please

katlego osborne <***> Attachments Wed, Oct 27, 2021, 12:43 PM to vericred, Complaints, complaints, bcc: dguntert, bcc: jserufe, bcc: ombud

Good day to whom it may concern

Kindly note what type of threats are this you have not provided me any concrete feedback but your collection agency keeps calling me.

While this is still pending investigation so when you sell debts you don't advise them that we failed to adhere to regulations set by the financial bodies that you align yourself with in the hope of making a profit.

Password for the document ***.

What's the meaning of this while the complaint is still pending with the ombudsman.

Regard (no subject) Inbox

katlego osborne <***> Attachments Wed, Oct 27, 2021, 12:43 PM to Complaints, complaints, vericred, dguntert, jserufe, ombud

Good day to whom it may concern

Kindly note what type of threats are this you have not provided me any concrete feedback but your collection agency keeps calling me.

While this is still pending investigation so when you sell debts you don't advise them that we failed to adhere to regulations set by the financial bodies that you align yourself with in the hope of making a profit.

What's the meaning of this while the complaint is still pending with the ombudsman.

Complaints <***> Thu, Nov 11, 2021, 10:04 AM to me

Good day,

We acknowledge receipt of your enquiry and have perused the contents thereof.

The National Credit Regulator (‘NCR”) www.ncr.org.za was established as the regulator under the National Credit Act 34 of 2005 (‘the NCA”) and is responsible for the regulation of the South African credit industry.

One of the Enforcement functions of the Regulator is to promote informal resolution of disputes arising in terms of this NCA between consumers on the one hand and a credit provider or credit bureau on the other hand and debt counsellors, without intervening in or adjudicating any such dispute and further to this, receive complaints concerning alleged contraventions of the NCA. We note that our office is copied on the email below. Please advise how you would like our office to assist you.

Regards,

Thobile Tlotleng Complaints Department

Tel *** |Fax *** | Email *** | Web www.ncr.org.za

127 - 15th Road Randjespark | Midrand | PO Box 209 | Halfway House | 1685

For further information or clarification insofar as it relates to your enquiry, please do not hesitate to contact our offices on ***and request to speak to any of our

call centre agents and we will gladly assist, alternatively you may escalate your matter to Mary Machitje at *** or via email: *** or

katlego osborne <***> Attachments Mon, Nov 15, 2021, 10:38 AM to Complaints

Good day to whom it may concern.

Kindly accept my apology for the late response.

Please note the only thing that was provided recently its was only a reference number from the Auto response CR-Complaints (AR***) on wednesday from RCS as follow without any supporting documents as my complaint is based on the failure to provide my monthly correspondence and my debit order request in july that the never honoured.

Secondly it's to sell the debt without assisting with the debit order requested. There would have been no need to hand over my account and no impact on my credit score as all other financial obligations that I followed up and updated them to debit order are closed and some are positive.

My request is to provide the supporting documents in terms of my account statements,invoice that clearly shows my debt arrears and arrange a monthly payment linked to my debit order as per my initial request in may that the failed to honour.

Note they were provided my email address at the application stage to be used for my correspondence. I have never received any to date in the above email.

Note the attached letter sent by Vericred, one of their collections agencies, that the debt was sold to it.

As this below acts that have been violated under my consumer protection act and out constituted body regulating the credit provider for ********* practices

RIGHT TO DISCLOSURE OF INFORMATION

Right to information in plain and understandable language. I have the right to demand agreement, contracts and other documents in a plain and understanding language. Right to contract records when requested Consumers are entitled to invoices and receipts Service provider must include the following in their invoices; Service provider full contract information, business name and VAT Transaction date Total price, including TAXES. RIGHT TO FAIR VALUE, GOOD QUALITY AND SAFETY Right to quality service, when entering into agreements or contracts, consumers are entitled to the following High quality service that a consumer is entitled to Notice of any unavoidable delays in the performance of the contract or service. The right to be attended to in updating the payment method available at my disposal. Being on the receiving end of feedback provided for a service request with your customer care service agent or relevant department to be diligent in providing feedback as they failed to do so..

Kindly note my Attached ID and the letter from the collections agency

Regards

Katlego Mohlahlo

katlego osborne <***> Nov 25, 2021, 9:15 AM to Complaints

Good Morning to whom it may concern.

Any feedback for the above complaint.

Regards

Katlego Mohlahlo

From: katlego osborne [mailto:***] Sent: Monday, 15 November 2021 10:38 To: Complaints <***> Subject: Re:

Good day to whom it may concern.

Kindly accept my apology for the late response.

Please note the only thing that was provided recently its was only a reference number from the Auto response CR-Complaints (AR***) on wednesday from RCS as follow without any supporting documents as my complaint is based on the failure to provide my monthly correspondence and my debit order request in july that the never honoured.

Secondly it's to sell the debt without assisting with the debit order requested. There would have been no need to hand over my account and no impact on my credit score as all other financial obligations that I followed up and updated them to debit order are closed and some are positive.

My request is to provide the supporting documents in terms of my account statements,invoice that clearly shows my debt arrears and arrange a monthly payment linked to my debit order as per my initial request in may that the failed to honour.

Note they were provided my email address at the application stage to be used for my correspondence. I have never received any to date in the above email.

Note the attached letter sent by Vericred, one of their collections agencies, that the debt was sold to it.

As this below acts that have been violated under my consumer protection act and out constituted body regulating the credit provider for ********* practices

RIGHT TO DISCLOSURE OF INFORMATION

Right to information in plain and understandable language.

1. I have the right to demand agreement, contracts and other documents in a plain and understanding language.

2. Right to contract records when requested

3. Consumers are entitled to invoices and receipts

4. Service provider must include the following in their invoices;

5. Service provider full contract information, business name and VAT

6. Transaction date

7. Total price, including TAXES.

RIGHT TO FAIR VALUE, GOOD QUALITY AND SAFETY

1. Right to quality service, when entering into agreements or contracts, consumers are entitled to the following

2. High quality service that a consumer is entitled to

3. Notice of any unavoidable delays in the performance of the contract or service.

4. The right to be attended to in updating the payment method available at my disposal.

5. Being on the receiving end of feedback provided for a service request with your customer care service agent or relevant department to be diligent in providing feedback as they failed to do so..

Regards

Katlego Mohlahlo

katlego osborne <***> Thu, Dec 23, 2021, 10:44 AM to AKgafe, Sibusiso

Good Morning to whom it may concern.

Any feedback for the above complaint.

As the turn around time of 40 to 60 days has passed now but still no feedback from your end.

Regards

Katlego Mohlahlo

katlego osborne <***> Thu, Dec 23, 2021, 10:50 AM to Recoveries, AKgafe, Sibusiso

Good Morning to whom it may concern.

Any feedback for the above complaint.

As the turn around time of 40 to 60 days has passed now but still no feedback from your end.

Please note the email from RCSGroup the have referred me again to another debt collector without proper feedback again concerning the complaint regarding Vericred now its is VVM Attorneys note the email feedbackGood Day Mr Kgawane

Customers complain [<AX120157>

Thank you for your communication

Please be advised that the above account is mandated to VVM Attorneys

Kindly contact them on ***

Warm Regards

Regards

Katlego Mohlahlo

katlego osborne <***> Jan 7, 2022, 9:01 AM to AKgafe, Sibusiso, Recoveries

Good Morning to whom it may concern.

Any feedback for the above complaint.

As the turn around time of 40 to 60 days has passed now but still no feedback from your end.

Okay i see the color of my skin defines how you assist people by your institutions.

Auto-Response for *** [<AR***>] Inbox

Recoveries <***> Fri, Jan 7, 9:05 AM to me

Good Day,

We acknowledge receipt of your e-mail.

Kindly be assured that it is in our best interest to assist you as soon as possible, you will receive feedback within 48 hours.

Should you have any further questions, please contact us at ***.

Kind regards,