This company are misleading people

They phoned and pretended they can negotiate a better interest rate. We haven't signed anything but we are under debt review and all bank accounts blocked. We had to pay R1000 to get a vorm to hand into the bank to unblock our accounts. Now we are battling to get the form from them and they are apparently not in the office on a Friday. How convenient. Just want to know how the bank accepts these debt review instructions without the client signing any paperwork to agree to being placed under debt review.