Avoid National Debt Management at all cost

I received a call from NDM in October or November 2020, and was told that they would reduce the interest rates of my ABSA vehicle finance and credit card debt. However, I was not informed of the negative repercussions and long term inconvenience that I would have to endure as a result of my decision to be placed under debt management. Money was debited from my account, my Cheque and credit card accounts have been placed on hold and my debit orders bounced. I immediately informed them of this and instructed them to cancel my agreement with them because of all this drama. The process to refund the money is progressing. I was told that I would be refunded after 20 days. I am also still waiting for NDM to send ABSA a clearance certificate so that my accounts can be restored as before. I have experience impatience and a bad attitude from a man called Calvin. I would like to warn people to rather do business with a well-known and professional debt management company.