******** Default Listing & Ignored Settlement Requests

I took a small loan of R1,500 from Unifi Credit earlier this year. Despite making ongoing payments and even offering to settle the loan in full (R1,300, after already paying R200), Unifi has acted in bad faith.

They listed a default on my credit profile on 07 July 2025, before issuing the legally required Section 129 notice (which was only sent on 21 July 2025). This is ******** under the National Credit Act.

I have continued to pay and made repeated written settlement proposals, but Unifi and their agents (Legal Rapid Collections) ignore my requests.

Instead, they send only generic settlement quotes and avoid addressing the ******** default listing that is damaging my credit record.

Even worse, their emails falsely claim they’ve tried to call me when they haven’t.

This conduct is unfair, misleading, and in violation of consumer rights. I have lodged a complaint with the National Credit Regulator and the credit bureaus to have this ******** listing removed.

⚠️ Warning to other consumers: Be very careful before dealing with Unifi Credit. Their practices can trap you in escalating fees and damage your credit record even when you are paying.