the matter was refered to NCR but still no response

I hope this message finds you well. I am writing to seek your assistance regarding an ongoing issue with Z-Fin, which has impacted my credit profile. Despite my repeated requests, they are refusing to remove their company from my credit report, and I believe I have grounds to contest this. On April 22, I reached out to Z-Fin to obtain information about their debt consolidation services, specifically inquiring about the duration of the process, the total fees involved, and other relevant details. During this initial conversation, I spoke with a representative who informed me that my total payment would amount to R11,000. She subsequently sent me a power of attorney document to sign; however, I noticed that the document contained incorrect information, including the name of another individual. After raising my concerns, Z-Fin sent me the correct document, but I couldn't help but notice that the payment amount quoted was suspiciously similar to what was listed for this other individual as well. Following this, I was contacted by a representative named Vuyo. During our discussion, I expressed my intention to explore other options, as I felt uncertain about the debt consolidation process and wanted to compare it with other providers. From the outset, I indicated that should the breakdown of payments not align with my expectations, I would reconsider proceeding with Z-Fin. It was my understanding that they would communicate this possibility to me clearly, given their expertise in the industry. On June 11, 2024, Vuyo called me to request my approval for a debit check mandate. I questioned her about this because I had not yet received a breakdown of the costs. Despite my concerns, I felt pressured to approve the mandate, under the assertion that only after doing so would I be informed of the exact payment amounts. Once I authorized it, she sent me the details, which I found to be unsatisfactory and well beyond my financial means. In fact, I was asked to contribute an additional R4,000 on top of the R11,000, bringing the total to R15,000. Feeling overwhelmed and apprehensive about the financial burden, I decided to refuse this after careful consideration, expressing my desire to cancel the mandate altogether. I reasoned that it would be more beneficial for me to manage the instalment payments independently. During this process, I encountered unacceptable behaviour from Vuyo, including threats regarding the potential repossession of my vehicle. Such comments were not only inappropriate but also deeply distressing. Given this treatment, I am now requesting that Z-Fin remove their name from my credit report, as I no longer wish to engage with their services or be subject to debt review. It is my firm belief that entering debt review should be a voluntary decision, made by me, and not something enforced by a third party.

Thank you for your attention to this matter. I appreciate your assistance and look forward to your prompt response. This company is cooks the owner is Faheem Solomons.