Unscrupulous, unethical debt collectors.

I was recently contacted by a consultant by the name of Lenay Aronje who stated that she works for CCS and Associates and that they sell small loans to qualifying individuals such as myself. I declined numerous times but she kept on calling me offering this small loan. I eventually gave in and as I wanted to fix a few things on my car proceeded with the transaction. This Lenay Aronje from CCS & Associates then drove out to me on Friday 14 June 2019 at 15:00 pm where she concluded the transaction. I was explained by her that although they grant R 5000 loans I only qualify for a R 3700 cash amount which will be paid out to me, into my bank account, by Monday 17 June 2019 and that my installment will be R 547.26. She then swiped my bank card on the POS device and gave me a slip showing the installment amount etc. promising that the funds will be paid out to me by Monday June 17. After that the transaction was done and she left. On Monday nothing happened, same with Tuesday 18 June 2019. I then sent her a message asking for feedback and also on why the money was not paid. She ignored all my calls, messages etc. I then sent her an email to the one she provided saying that I will log a criminal case against her and use the law to find out who she and deal with her legally. All of a sudden I receive a cease and desist email from some lawyer telling me to not contact her and make threats as she was there as a debt collector under the instruction from this CCS and Associates regarding a debt of 2009 that I did not even recognize nor acknowledge. Bear in mind that NONE of this was ever shared to me by this Lenay Aronje (LenayAronje@gmail.com) I have never even received any correspondence from 2009 to 2019 from this SA Multi Loan which this lawyer claimed I owe. I was then threatened that they will speak to my employer etc and as a qualified Paralegal I then utilized my knowledge of the law to address these people. I have proceeded to log a criminal case against Lenay Aronje and her associates, I have informed MY lawyers of the entire fraudulent and misleading conduct of Lenay Aronje and subsequently CCS & Associates. She blatantly lied to me as an unassuming consumer, exploited my kindness and willingness to conclude a loan agreement and then tried to dupe me out of my money by illegally setting up and AEDO deduction on my account for a debt that I have no knowledge off. Furthermore the lawyer did not even do his homework and check his facts before he deemed it his right to send me that email. I have also logged a case with the National Council for Debt Collectors against Ms Lenay Aronje and subsequently the company she represents CCS & Associates because as Under Section 15 of the National Debt Collection Act Ms Lenay Aronje's conduct is considered "improper" and unethical.

My lawyers in turn are also drafting letters to submit to this Lenay Aronje and the company she represents CCS & Associates I just want to warn consumers that they must be aware of these companies and their consultants as they are using new means of getting people to pay part with their hard earned monies for debt that they don't even know about. This entire transaction by Lenay Aronje was criminal and dishonest to say the least. She did not provide any information on her true purpose beforehand, did not say she was a debt collector but instead said she was selling loans, proceeded to ignore me when I continuously asked for feedback and information and only when decided to use the resources at my disposal to deal with her legally and lawfully did she most probably approach her company CCS & Associates with further lies on the transactions she concluded where after they sent me, the victim, a letter before they even made 100% sure of their facts. Beware of these type of companies out there. They are not transparent and use any means to take monies from unsuspecting individuals. But the Consumer Protection Act is there to assist as well so I am using all the platforms available to expose this Lenay Aronje and the company she represents, CCS & Associates.