Fidelity Loan Firm Took My "Insurance" Money & Never Paid the Loan

I have been de*****ed out of R7,850.00 by Fidelity Loan Firm which they said was insurance I must pay upfront in order to obtain a loan within 30 minutes of their receipt of the money. “Mr James Maxwell” convinced me that this was a requirement that must be paid in advance as they lost money from defaulters during the COVID pandemic. When I raised concerns about the money being paid into a personal Capitec account belonging to a Z Mkhosana not a company account, he said that the process would be faster this way as Mr Mkhosana was one of their officers.. Once I paid the money nothing happened instead the following day Mr James Maxwell called me & he told me to urgently follow the instructions of his manager who was going to call me. When the “manager” called, he said I must now urgently deposit a further R6,000,00 which is supposed to be the Cost of Transfer. He said Mr Maxwell had made a mistake in not telling me this. When I said that I didn’t have it, Mr Maxwell said I could take something to companies like Cash Converters to raise the money. I was also emailed by someone claiming to be Mrs Annie Van urging me to pay and also saying they would accept half (R3,000.00) in order to deposit the loan. She said halving the money was a “favour” they were offering me. I said that I would rather cancel and have my money back because even if I raised the R3,000.00, how was I to know that they would not change goal posts again.

At this point I had now investigated and found that the National Credit Regulator number NCRCP10477 on their website was cancelled early 2022. When I raised this it was ignored, instead I was told that in order to receive my R7,850.00 back, I must 1st pay R1,350.00 as cancellation fee and that it takes approximately 4 months to get my money back. I told them to deduct that money from what they owe me and pay me back immediately in the same whey I had paid their insurance money immediately. They say they do not do that. I have begged for my money back etc since last week however, they no longer respond to me on all their numbers and the email address.