Overcharged, Misled, and Ignored by TFG – I Just Want to Close My Account

I am writing this out of frustration and disappointment with how TFG (The Foschini Group) has handled my clothing account. For months, I’ve been charged for things I never agreed to or understood, including SMS fees, insurance, and even R20 per email communication. These charges are not clearly explained, and they keep increasing my balance with no proper breakdown.

Last month, I paid R620 – more than my usual monthly payment which is under R500. At the time, my balance showed R4,173.28. But recently, I received an SMS saying I now owe R4,304 and must pay R869 by 1 June. How is this possible when I am making payments?

What’s worse, they increased my credit limit to R9,200 without asking me! I had to call them to request it be reduced to R3,000. This is not how a responsible credit provider should operate. I feel manipulated and financially trapped.

I’ve emailed them and asked for:

A full breakdown of charges

A chance to settle the balance over 3 months

My account to be closed permanently after payment

But like many others on this platform, they don’t respond or give proper help. I’m exhausted. I just want to settle my account fairly and move on.

TFG needs to be investigated for these practices. I am also preparing to escalate this matter to the National Credit Regulator (NCR).