Good morning A debt review company Gold ...

Asked by Ferosa Klein on 30-01-2024 08:25:41
Question posted in the National Credit Act Law category relating to Western Cape

Good morning 

A debt review company Gold leave financial  contacted me with regards to a offer they informed me about a assesment that is free of charge to see how much me and my husband would pay reduced on our loans to the creditors ,and ask in order to see the creditors that we with they need the access our credit report that i gave consent to do and over the phone gave our salaries as i was informed its only an assesment and that we not applying they then asked from who account must be debited i said my husband gave them his account number from there it went down hill ,they contacted my husband at his work place without my presence to accept a debi check i dont know what was said to manipilate him into doing that as i told the debt counseler we wont be signing any contracts i first want to read tru it when i informed them that i dont like the details in the contract they should not continue they send me a initialed contract that they said my husband signed on my behalf for that i didnt give consent to my husband and he didnt even tell me ,all he said they send him a link and it didnt work  a few times but he can not recall signing the contract they also contionue with deduction the money on the 28th of november 2023 that was not my husband salary was money for funeral were we suffered a huge financial lost our bond behind and we had to borrow money to pay the people back that assisted with the funeral they dont have any payslips or marriage certificate only thing that they requested for refund perpouses i send them proof of payment and ID Copies they asked us 500rnd for cancellation fee that we didnt have at that time when i asked them for refund they informed me weeks after that the funds has been distributed for their admin work from my side the contract is not valid  as its not even signatures its initialed and at some places at wrong place no withnesses signatures also there is no debit order date on it what can i do as we are in a finacial situation i have two small toddlers and because of this i feel like they made easy money using the wrong process i put in a complain with the NCR but does that mean i will get refund on our money ,i requested a voice recording from them till up until now nothing provided up untill now

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