********* behaviour

I am writing to formally lodge a complaint regarding misleading and ********* conduct by a consultant who contacted me, allegedly representing Blu Credit Deals, and who later referred me to 1Life Direct.

I was contacted by a Blu Credit consultant who informed me that I was *pre-approved for a loan*. As I was actively seeking a loan at the time, I agreed to proceed with the application. During this conversation, I was told that I needed to join a “rewards programme” in order to qualify. I declined this option after reviewing complaints on HelloPeter from consumers who struggled to cancel the rewards programme.

The following day, I received another call and was advised that if I did not take up the rewards programme, I would instead need to take out a policy with **1Life Direct** in order to “boost my credit profile” and qualify for the loan. Due to my urgent need for the loan, I comp**** with these instructions.

I was provided with a WhatsApp number (**068 105 6921**) and instructed to submit my **three months’ bank statements, proof of residence, certified ID copy, and policy documents**, which I did on Monday. Despite submitting all requested documents, I received no response.

I then made several telephonic follow-ups and was given multiple contact numbers for the loan division. When I eventually managed to speak to a consultant, I was informed that **there was no loan application on the system at all**. This was extremely alarming.

The consultant I later spoke to, named **Gosiame**, confirmed that the person who referred my details to 1Life Direct was not honest. At this point, I am unsure whether this was gross misrepresentation or an attempted ****. However, it is deeply concerning that consultants appear to be incentivised to earn commissions in a manner that results in deception of consumers.

I wish to formally warn other South Africans that **Blu Credit Deals does not appear to exercise proper oversight over its consultants**, and that consumers are placed at risk of being misled. I further urge **1Life Direct** to ensure that consultants acquire customers through honest and transparent means, not through deception or false promises of loan approvals.

I am extremely disappointed by the manner in which technology and access to personal information are being misused to exploit consumers who are already financially vulnerable.

I trust that this complaint will be taken seriously and investigated accordingly.

Yours sincerely,