Edgars Account Interest ***** framed as a Hollard Policy

I am lodging this formal complaint against Edgars and RCS regarding an “alleged outstanding balance” that has suddenly been handed over for collection, despite the account having been fully paid up back in 2019.

Instead, I have been treated as though I am deliberately ignoring communication, which is insulting considering I have maintained a clean credit record all my life.
The issues:

• I have never received monthly statements
• I have never been contacted about arrears
• The only calls I ever received were to offer credit limits
• I was paying only for the insurance policy monthly
• No Edgars Club benefits or communication for YEARS
• Suddenly statements appear all at once AFTER I asked for proof
• They are back-dated to 2022
• Why were they not sent at the time?
• 
  

This feels highly suspicious and potentially *****ulent. Edgars/RCS also offered me a “deal” They offered to credit back R3 000 and force me to pay the remaining R2 900.

Absolutely not. I will not pay for a debt I had no knowledge of, with zero proof that any communication was ever sent to me. They MUST prove:

• where statements were sent
• how they were sent
• that I actually received them
• that I ignored them
• and that SMS notifications were sent

I asked for the trail back dating to 2018. Only now when I request proof AGAIN, do multiple statements magically arrive. Is this not *****? Is this not suspicious?

I demand:

• Immediate stop of collection activity
• Written confirmation that the debt is prescribed
• Full account history from inception

This has gone on long enough. Edgars and RCS – either prove this debt legitimately with proper evidence, or close this matter permanently.