No feedback from Bespoke Credit Solutions since last year

Good Day HelloPeter Team,I am writing to formally lodge a complaint against Bespoke due to their continued lack of communication, poor service, disputed debit of funds, and unprofessional conduct.Background and Timeline

• On 8 September 2025, I engaged with a Bespoke sales agent regarding debt review services. I was advised that I would receive a mandate, which Bespoke later claimed I signed.
• I was informed that the first deduction would only commence at the end of September 2025. At no stage was I informed of an amount of R3,450.00, nor was I advised how long such an amount would be debited for.
• After the initial interaction, I received no follow-up communication from Bespoke for almost two months.
• On 14 November 2025, during this period of silence, my vehicle was repossessed by the bank.
• I attempted to follow up with the agent on 24 and 26 November 2025, with no response.
• On 26 November 2025, I contacted Infusion Financial Services believing they were handling my debt review. They confirmed they were not and provided Bespoke’s contact details, which I then used to escalate my query.
• On 29 November 2025, an amount of R3,450.00 was debited from my account without my informed consent. This debit left me financially distressed, as it was the only money I had available for my household. My bank was unable to reverse the debit.
• I emailed Bespoke on 1 December 2025 disputing the debit and requesting clarity. Bespoke advised that an investigation would take 10–15 business days.

Ongoing IssuesDespite the investigation period fully lapsing:

• No investigation outcome has been provided
• No call recordings or proof of consent have been shared
• No refund has been processed
• Repeated follow-ups have gone unanswered

In addition, during correspondence, a Bespoke representative dismissed my complaint by stating that my concerns were due to “pure bitterness”, referring to me as a bitter customer. I found this comment unprofessional, inappropriate, and dismissive of a legitimate dispute involving my personal finances.Reason for ComplaintI am extremely unhappy with:

• The lack of transparency regarding fees and debit amounts
• The prolonged absence of communication and follow-up
• The debit of R3,450.00 without my informed consent
• The failure to conclude the investigation or refund my money
• The unprofessional manner in which my concerns were addressed

I am still awaiting a full refund of R3,450.00 and proper accountability. I am submitting this complaint to document my experience and to seek assistance, as direct engagement with Bespoke has produced no resolution.Kind regards,
Sivuyile Wilfred Bingwa