Poor, unprofessional service from RCS loans AGAIN

This is not the first time that I write a very negative and unpleasant review about RCS Loans/1 LIfeloansCS.

During Covid, I submitted claims against my insurance for loss of income. It took two negative reviews here and 8 months for RCS to resolve the issue. I got up to three calls per day from their collections department looking for their money.

Things changed for the better and I could keep up payments, even though they offered me two months' extension of non-payment which I did not need and did not take. On 12 January 2021 I was able to pay off the loan, and even paid in more should there be hidden costs. On 22 Jan 2021 I received an email from Angela in the Claims Department that I have a credit of R1845.27 with them All they need is a copy of my ID and a letter from my bank to confirm my banking account. I have sent those on 23 Jan 2021 and the auto response email confirmed receipt with a promise to be contacted within 48 hours.

On 5 Feb 2021 I phoned them to find out what was going on and after 16 min 59 seconds, I had a promise that the refund will be escalated to priority.

On 10 Feb 2021, I had to make another call as nothing happened. The conversation lasted 29 min 19 sec. with a promise that it will be prioritised. I spoke to Emmanuel who kept me 24 min on the line in order to sort out the problem. He was very unprofessional and has an attitude that should not be tolerated by any client. I have reported him on a previous occasion, and was promised action would be taken, but apparently nothing happened.

Another call was made by me to make sure all is in order on 10 Feb 2021 which lasted 18 min 54 sec.

On 18 Feb 2021 I made another call which lasted 19 min 30sec. I spoke to castle and he was very willing to help me, but he said it was out of his hands. He would forward the request and prioritise it.

On 18 Feb 2021, I received an email from Clayton stating that they will need proof of payment from me that a payment was made on 9 January 2021 for the amount of R1050-00 and another proof of payment for the amount of R8000-00 that was made on 12 January 2021. I phoned RCS to try and speak to Clayton, but apparently they don't take calls from clients at the Finance Dept. I ended up speaking with Lorenzo, who informed me that the request for refund was never on his desk and that he is the Team leader who is supposed to sign these off and forward it to the Finance Dept. He was quite confused as to why he never saw it on his desk. He promised to escalate it and I will have payment within the next week or two.

It took RCS 10 days to contact me with regards to the credit on their side (12 Jan - 22 Jan). It took them 25 days to write an email to me, and suddenly other documentation was required before my money could be paid back to me.

I will never, ever deal with RCS again and suggest to other customers not to even considering it. Their interest rate on the loan is a whopping 27,5%.