TFG - Does not offer its clients comprehensive insurance cover - its "Bait Marketing"

Please be advised that TFG does not cover its clients for retrenchment cover, although they use a "Bait Marketing" strategy and dupe you at the point of opening your account that you have comprehensive cover, this is all a lie !!!!!, I had an exceptional account with these monster +_ 4 years, they recklessly gave me 3 credit increases without my consent and knowledge because I conducted my account in an exceptional manor, no affordability assessments are conducted as per the mandatory CPA/NCR requirements. After accepting my payment arrangement which was paid faithfully they handed my account over without my knowledge or consent. This TFG 3rd party collection company charges you an exorbitant 90.75% interest, I kept to my arrangement with TFG faithfully but this devious organization will accept your payment arrangement and you will continue to pay the agreed amount at store level only to find that your account is then handed over. Thereafter they will not respond to any of your correspondence to address and resolve this debt amicably. Best you do your checks now I can assure you that you will go through the exact experience like I have been going through for the past year. Although they will dupe you into thinking you have comprehensive cover during the sales pitch, you will realize in your time of need that this is all a misrepresentation after they read out the fine print. I know I must be held accountable to my creditor and pay the total due back very Rand and Cent, but they will hand you over to loan sharks that charge 90.75% interest so that you are never in a position to settle the account in your entire life time. Try and get hold of a senior manager in the complaints department, the consultants will make thousands of futile promises and take your details a thousand times but you will get absolutely no feedback or response from this dishonest organization. This is the worst experience that I have ever been through in my entire life, make sure that you are ready at the time of need as these ruthless individual are only in for the Buck and give an absolute damn about creating a customer centric organization, their greed and opportunistic nature, win at any cost is all that they bother about, take heed of my warning , as you will only realize that I am speaking the truth when you have a claim. The service I received, lies and manipulation is nothing short of horrific. Disgusting.