********* business practice

<p>i had my TFG account for over 10 years .i recently purchase a ring from Amrican swiss which is part of The Foshini Group(TFG). I received great service from the branch that i purchased the ring from. but it stopped there. i said that i would pay in branch every month but TFG insisted i fill out a debit order form which i had completed and i took a 6 month interst free back option. When it came to the due date for the debit order i called TFG to make sure that they debit my account and they had assured me that it is in the process. i then called once i saw that it has not debit about 5 times in that week and they still assured that it was done . the last time i called a call centre agent confirmed that my next payment is due only in the following month.</p> <p>13 May 2017 a collections agent call me at 7:20am to tell me that my account is in arrears so i explained to him and he told told me that i did not have funds in my account and my debit order bounced. While explaining to the rude consultant i was cut off. i called back had to wait for the client services to be open at 8:30 am to report this agent and find out what was going on with my account. spoke to a manager and they told me it was a system error that cut the call , i thought that very appropriate for the call cut while i was asking him why he was so rude. The manager covered for the agent. i asked the manager why did they wait for my account to go into arrears first before calling . she told me that is the way they do things.</p> <p>i asked her why dont they call clients before their accounts go into arrears to that clients could save on the arrears amounts and save the credit rating . she told me taht in was a good point and that she will bring it up at their next meeting with management. i had the money to pay all TFG had to do was to call me to tell me that my debit order did not go through and please could i make a payment which i would have gladly done. But TFG waited for the day it went into arrears and then they called me to tell me that need to pay the installment plus thearrears of R981.20. i did not know that business was so bad for TFG that they had directly ******* clients.</p> <p>they informed me that there is nothing that they can do i will have to pay the amount which i did. I was really ****ed off with the way TFG does business. now that i am up to date i see TFG are charging me interest on my 6 months interest free options. now TFG are over doing it. interest for what???</p> <p>once imy account is paid up i will be definitely be closing my account with TFG and will advise everyone around me of my experience with TFG and not to waste their time. </p> <p> </p>