1 reviews | Active since May 2014
Credit Limit Increase without concern from customer
Dear Truworths
I have been sending you guys emails and gave you my number to call me and make me understand if I have a credit limit of R8k how do I owe you R11k were they are no documents signed, recorded confirmations, Nix but I owe you R3k more than what my limit is. I am not liable for that R3k and worse I was not made aware of that increase which is very dangerous because it goes to show you don’t do any credit checks before you increase customer credit limits meaning you might be putting your own customers under the pressure of being in serious debt and make them liable to pay. I say this because I had a conversation in Jan about this at the Vanderbijlpark branch (vall mall) where they confirmed many customers are complaining about the same thing I am complaining about now. I’m sure according to TCF this cannot be correct and credit rules etc. Since you not responding to me and getting back to me I hope me posting on hello Peter will change that mindset of sendin me trigger messages without doing proper indivual calls. I am getting irritated with your messages and until such time you respect me enough to stop threatening me and telling me I must pay now otherwise you will take me to the credit bearau, do that and explain to them how you gave someone who cannot afford an R11k credit limit to have that limit.
My account number - ********** ********** 32133
Thank you affording us the opportunity to respond to your concerns.
From time to time customers request to make a purchase over-and –above their credit facility available at the time. Truworths will authorize the sale provided that the account meets the qualifying criteria. This is printed on the point-of-sale docket and accepted by the customer when he/ she signs the docket authorizing the purchase.
We verify that the relevant docket was requested, which was signed by you on the day of your purchases during which you consented to a temporary increase in your credit limit as reflected on the copy of your till slip, in order to finance the transaction.
We confirm that we have contacted you in this regard, and you indicated that you are not happy with the feedback provided. Should you have any further comments or suggestions, please contact us on *** or via email on ***.
Kind regards,
Truworths Online Team
Thank you affording us the opportunity to respond to your concerns.
From time to time customers request to make a purchase over-and –above their credit facility available at the time. Truworths will authorize the sale provided that the account meets the qualifying criteria. This is printed on the point-of-sale docket and accepted by the customer when he/ she signs the docket authorizing the purchase.
We verify that the relevant docket was requested, which was signed by you on the day of your purchases during which you consented to a temporary increase in your credit limit as reflected on the copy of your till slip, in order to finance the transaction.
We confirm that we have contacted you in this regard, and you indicated that you are not happy with the feedback provided. Should you have any further comments or suggestions, please contact us on *** or via email on ***.
Kind regards,
Truworths Online Team