Never think of take out a loan by rcs there just hand over after me send email with adverdavite

Subject: Formal Complaint – Harassment and unfair debt collection

I hereby lodge a formal complaint regarding the handling of my account.

I have previously informed MBD Legal Collections and RCS that I am currently unemployed and unable to make payment at this stage. I also provided communication and affidavit explaining my financial situation and requested time until I am financially stable.

Despite this, I continue to receive repeated phone calls, SMS messages and emails on a daily basis, including early mornings and weekends. This is causing unnecessary stress and I believe this conduct amounts to harassment.

I am not refusing to pay the account, however I currently have no income and I am living with family. I have requested reasonable time or payment arrangement once I am employed again, but my situation has not been taken into consideration.

I also request the following documents: • Full statement of account • Copy of the original credit agreement • Proof that the debt review was legally terminated in terms of the National Credit Act

Until this information is provided, I request that all collection pressure and harassment stop and that communication be done in writing only.

If the harassment continues, I will have no choice but to escalate the matter to the National Credit Regulator and the Credit Ombud for investigation.

I have tall to mbd there dont even want to talk to me and listen that im unemployed and give me few months to het back on my feets I ask for a statment and there say i will pay for that

I olso send like 10 emails with adverdavite and there never reply i never ignore them have all the proof in hand i olso ask them to update my home adress as i have move to my mom and i cant even provide my monthly food etc

Regards