Item: Vantage Debt Management
Rating: 2
Author: Andrea M

Vantage Debt Management's replyOfficial

18 Jul 2023, 08:21

Good morning Andrea. Thank you for your review. Your application has been reviewed on our end, and the details listed in your above review are factually incorrect. On 08/12/2022, an assessment was conducted with you. The assessment feedback was emailed to you and the solution provided to you was debt counseling due to being over-indebted. The assessment also provided the accounts that would be included in the process if you were happy to proceed with the solution. Your vehicle account was included in the assessment which was put in writing to you on 08/12/2022. On 26/12/2022, you emailed our office to let us know that you are still reviewing the solution of debt counseling that was provided to you. On 05/04/2023 we did a follow-up with you to check if we could be of any further assistance. You responded on 06/04/2023 advising that you have still not decided on a course of action. On 23/06/2023, an updated assessment was done with you, and the solution provided to you again was debt counseling as the shortfall in your budget has increased. Your vehicle was again included in this assessment. You did request on 23/06/203 that your vehicle be excluded from the process. On 26/06/2023, we notified you that we will exclude your vehicle from the assessment as per your request which you were happy with. We did also advise the advantages of including your vehicle in the process considering the numerous increases in the repo rate. You completed the debt counseling application form on 04/07/2023. On 13/07/2023 you contacted our office disputing that you were informed that you are applying for debt counseling and that your vehicle has been included under the process. On 14/07/2023 we sent you the previous communication highlighting that the solution provided to you was debt counseling, we also provided you with a copy of the application form you completed which labeled the application form as "Debt Counselling Application Form". On numerous occasions, you were made aware that the solution officered to you was debt counseling including on the application form. Regarding the inclusion of your vehicle, we will investigate this on our side and provide you with feedback. This will be escalated to a manager who will contact you for further context.

Vantage Debt Management's reply18 Jul 2023, 08:21

Official

Good morning Andrea. Thank you for your review. Your application has been reviewed on our end, and the details listed in your above review are factually incorrect. On 08/12/2022, an assessment was conducted with you. The assessment feedback was emailed to you and the solution provided to you was debt counseling due to being over-indebted. The assessment also provided the accounts that would be included in the process if you were happy to proceed with the solution. Your vehicle account was included in the assessment which was put in writing to you on 08/12/2022. On 26/12/2022, you emailed our office to let us know that you are still reviewing the solution of debt counseling that was provided to you. On 05/04/2023 we did a follow-up with you to check if we could be of any further assistance. You responded on 06/04/2023 advising that you have still not decided on a course of action. On 23/06/2023, an updated assessment was done with you, and the solution provided to you again was debt counseling as the shortfall in your budget has increased. Your vehicle was again included in this assessment. You did request on 23/06/203 that your vehicle be excluded from the process. On 26/06/2023, we notified you that we will exclude your vehicle from the assessment as per your request which you were happy with. We did also advise the advantages of including your vehicle in the process considering the numerous increases in the repo rate. You completed the debt counseling application form on 04/07/2023. On 13/07/2023 you contacted our office disputing that you were informed that you are applying for debt counseling and that your vehicle has been included under the process. On 14/07/2023 we sent you the previous communication highlighting that the solution provided to you was debt counseling, we also provided you with a copy of the application form you completed which labeled the application form as "Debt Counselling Application Form". On numerous occasions, you were made aware that the solution officered to you was debt counseling including on the application form. Regarding the inclusion of your vehicle, we will investigate this on our side and provide you with feedback. This will be escalated to a manager who will contact you for further context.

AM

Andrea M's updateReviewer Update

18 Jul 2023, 16:35

According to my emails that I have...this information stated above is not entirely accurate...during my agreement with the consultant I was under impression of that I was still put on the debt consolidation program....not once she said to me my the situation has changed due to me being overly indebted..the forms that I signed on my knowledge were for debt consolidation....I included numerous times that my car must not be put in the consolidation program because next year July it's my last month....do you think I would have all the time ask her not to include my car in the process if I knew that I was put to debt review?I explained to her that as soon as my car is finished I won't have a financial problem....that was a reason we agreed on that only my credit card and personal loan must be consolidate...and everytime on my emails if you read them you will see that...I never told her or agreed to add my car into that...I even mentioned to her it will take longer for me to finish...I'm happy to carry on paying it as I do.....also if you read our email conversation you will see I never changed my story..all that I signed that day I was not aware it was debt review....since no one explained to me the outcome of my finance situation....that's why I said I feel like it was decided by her not me...

AM

Andrea M's update18 Jul 2023, 16:35

Reviewer Update

According to my emails that I have...this information stated above is not entirely accurate...during my agreement with the consultant I was under impression of that I was still put on the debt consolidation program....not once she said to me my the situation has changed due to me being overly indebted..the forms that I signed on my knowledge were for debt consolidation....I included numerous times that my car must not be put in the consolidation program because next year July it's my last month....do you think I would have all the time ask her not to include my car in the process if I knew that I was put to debt review?I explained to her that as soon as my car is finished I won't have a financial problem....that was a reason we agreed on that only my credit card and personal loan must be consolidate...and everytime on my emails if you read them you will see that...I never told her or agreed to add my car into that...I even mentioned to her it will take longer for me to finish...I'm happy to carry on paying it as I do.....also if you read our email conversation you will see I never changed my story..all that I signed that day I was not aware it was debt review....since no one explained to me the outcome of my finance situation....that's why I said I feel like it was decided by her not me...

Vantage Debt Management's replyOfficial

19 Jul 2023, 07:34

Good morning Andrea, thank you for your response. The exact wording on the application form that you completed and the exact wording on the solution provided to you on the assessment feedback was "Debt Counseling". The proof thereof was sent to you on 14/07/2023 as highlighted in the above response. In both assessments completed with you, a shortfall was indicated. Also as mentioned above, your vehicle was included in the assessment results. However, you requested that the vehicle be excluded and that is what was done on our end. That is why we advised you that the matter has been escalated or further assistance. I note that our office tried calling you but your phone was on voicemail. An email has been sent to you and a call has been scheduled for this morning.

Vantage Debt Management's reply19 Jul 2023, 07:34

Official

Good morning Andrea, thank you for your response. The exact wording on the application form that you completed and the exact wording on the solution provided to you on the assessment feedback was "Debt Counseling". The proof thereof was sent to you on 14/07/2023 as highlighted in the above response. In both assessments completed with you, a shortfall was indicated. Also as mentioned above, your vehicle was included in the assessment results. However, you requested that the vehicle be excluded and that is what was done on our end. That is why we advised you that the matter has been escalated or further assistance. I note that our office tried calling you but your phone was on voicemail. An email has been sent to you and a call has been scheduled for this morning.

Debt review that I did not apply for