MM
Mellissa M
Active since Nov 2016
12
Reviews
0
Industries
Reviews
12 reviews11 months ago
Possible ****
Capital debt solutions/Remedy debt PTY LTD. A consultant by the Name of Ayanda called me and registered me for debt review even though I told her not to. She told me she was calling on behalf of NRC and that they noticed I’m being charged too much interest, so she is going to assist with that. They provided false information, saying that there was an institution that was billing me high interest rates. I further, and continuously asked if it was a debt review and they constantly denied that it was. I have tried contacting them, but my calls, emails and WhatsApp messages have not been answered since the month of March 2024. The company name is Capital Debt Solutions powered by the Remedy Debt PTY LTD. And the Lady called Amanda was laughing and talking to other people while she was supposed to talk to me, and telling me the call is recorded, and lucky my Calls are also recorded. After the call I receive and SMS stating that i gave consent to this company to request a credit report for Affordability Assessment, i DID NOT give ANY consent. Please explain to me what this call was about.
0 replies
13 months ago
Urgent: Clarification on Longstanding Issue with Debt Review Flag
Dear Debt Busters Team, I am writing to express my deep frustration regarding the ongoing issue with the debt review flag on my credit record—a matter that has remained unresolved for over five years despite repeated assurances from your team. In 2016/2017, I entrusted Debt Busters with my debt counseling process. On January 14, 2021, I received an email from paidup@debtbusters.co.za, along with a clearance certificate confirming that my outstanding debts had been settled. This email stated that the necessary information had been shared with credit bureaus, credit providers, and other relevant parties, including TransUnion. Yet, despite your claims, the debt review flag was not removed from my credit record. On May 11, 2023, after contacting ITC National ITC Consulting, I was informed that they had never received the necessary documentation from your side to update my credit record. Further attempts to resolve this issue resulted in no meaningful progress—only vague responses and suggestions to contact various credit bureaus myself, despite this clearly being your responsibility. Additionally, I was asked to pay R3,000 to update my information, which I find completely unacceptable given that this issue stems from your failure to act. Moving forward to 2024 and 2025, despite persistent follow-ups and emails, I continued to receive the same answers from your team—that the information had been sent and the issue lay with the credit bureaus. However, upon contacting these bureaus, they consistently confirmed that they had received no communication or documentation from Debt Busters. This has resulted in me, as the client, spending an exhaustive amount of time trying to rectify an issue that should have been resolved long ago. Most recently, on March 24, 2025, I contacted TransUnion yet again, only for them to inform me that they had just received the instruction to remove the debt review flag on that day from Kendra Nielsen at NCR—more than four years after the initial clearance certificate was issued. This situation is completely unacceptable. Despite numerous reassurances from your team, it is clear that critical steps were not taken to ensure the proper communication and removal of the debt review flag. I trusted Debt Busters to handle this process, and instead, I have been left to bear the consequences of your oversight. I demand an explanation as to how this failure occurred and what steps will be taken to ensure that the issue is fully resolved. Furthermore, I expect someone to take accountability for the repeated failures and lack of follow-up over the years. This level of service is disgraceful, and I am deeply disappointed in your handling of this matter. Please respond promptly to address this issue and provide a clear path forward.
53 replies
13 months ago
Urgent Complaint: Credit Record Update Pending Since 2021
Good day, I am writing this email out of sheer frustration regarding the ongoing issue of my flagged credit record, which has not been updated despite my clearance from debt counselling back in 2021. Since receiving my clearance certificate, I have been tirelessly following up with numerous emails and phone calls, and yet, this matter remains unresolved. Despite assurances from various parties that the flag would be removed, I am still dealing with the same issue as recently as last week. To summarize: In January 2024, I was informed by Notemba Zembe from DebtBusters via email that the clearance certificate was distributed, and the NCR Debt Help System was updated to reflect this. However, I was advised to follow up directly with credit bureaus myself. Following this advice, I provided all the necessary information to the six credit bureaus listed in the email, yet I received no response. When I attempted to access credit, I discovered that the flag persists on my TransUnion profile. Further emails from Mila Mpengesi in 2021 and Kendra Nielsen last week reiterated the same: that the clearance certificate was duly sent to creditors and credit bureaus, and the responsibility lies with them to update my records. However, I have repeatedly been pushed to contact bureaus directly, make disputes, and provide proof—something that should not be my responsibility to resolve as a consumer. Adding insult to injury, Kendra Nielsen made a remark in her recent communication stating: “Attached is proof that TransUnion received the clearance certificate and should have removed the flag in 2021 – I am unsure whether you have been flagged for all this time with TransUnion? If not, it is strange that they have flagged you after so many years.” Frankly, I find this statement unacceptable. Over the years, I have sent several emails, made countless phone calls, and taken all necessary steps to ensure my clearance certificate was acted upon. Suggesting that it is “strange” that my status remains unchanged not only disregards my continuous efforts but is also highly inappropriate. It is now 2025, and I am exhausted from going back and forth between debt counsellors, the NCR, and credit bureaus. This matter was supposed to be resolved automatically in 2021. It is absolutely unacceptable for me, as a consumer, to shoulder the burden of resolving what is clearly a failure on the part of the relevant parties to act promptly and responsibly. I demand immediate action to resolve this matter once and for all. Kindly escalate this issue to the appropriate department, ensure my flagged record is removed across all credit bureaus, and provide me with clear confirmation of the resolution as soon as possible. I trust you understand the gravity of this situation and will prioritize resolving it without further delays. Kind regards, Mellissa
53 replies
13 months ago
Urgent Complaint: Credit Record Update Pending Since 2021
Good day, I am writing this email out of sheer frustration regarding the ongoing issue of my flagged credit record, which has not been updated despite my clearance from debt counselling back in 2021. Since receiving my clearance certificate, I have been tirelessly following up with numerous emails and phone calls, and yet, this matter remains unresolved. Despite assurances from various parties that the flag would be removed, I am still dealing with the same issue as recently as last week. To summarize: In January 2024, I was informed by Notemba Zembe from DebtBusters via email that the clearance certificate was distributed, and the NCR Debt Help System was updated to reflect this. However, I was advised to follow up directly with credit bureaus myself. Following this advice, I provided all the necessary information to the six credit bureaus listed in the email, yet I received no response. When I attempted to access credit, I discovered that the flag persists on my TransUnion profile. Further emails from Mila Mpengesi in 2021 and Kendra Nielsen last week reiterated the same: that the clearance certificate was duly sent to creditors and credit bureaus, and the responsibility lies with them to update my records. However, I have repeatedly been pushed to contact bureaus directly, make disputes, and provide proof—something that should not be my responsibility to resolve as a consumer. Adding insult to injury, Kendra Nielsen made a remark in her recent communication stating: “Attached is proof that TransUnion received the clearance certificate and should have removed the flag in 2021 – I am unsure whether you have been flagged for all this time with TransUnion? If not, it is strange that they have flagged you after so many years.” Frankly, I find this statement unacceptable. Over the years, I have sent several emails, made countless phone calls, and taken all necessary steps to ensure my clearance certificate was acted upon. Suggesting that it is “strange” that my status remains unchanged not only disregards my continuous efforts but is also highly inappropriate. It is now 2025, and I am exhausted from going back and forth between debt counsellors, the NCR, and credit bureaus. This matter was supposed to be resolved automatically in 2021. It is absolutely unacceptable for me, as a consumer, to shoulder the burden of resolving what is clearly a failure on the part of the relevant parties to act promptly and responsibly. I demand immediate action to resolve this matter once and for all. Kindly escalate this issue to the appropriate department, ensure my flagged record is removed across all credit bureaus, and provide me with clear confirmation of the resolution as soon as possible. I trust you understand the gravity of this situation and will prioritize resolving it without further delays. Kind regards, Mellissa
53 replies
44 months ago
3x final demands in 3 days. AFTER PAYMENTS ARE MADE!!!
This is the 3rd final demand I am getting, 1x on the 27th 1x on the 29th 1x on the 30th And each time you send out a final demand you add your R253 onto my account. I made the payment for Aug on the 25th, the consultant I spoke to today told me they only received the payment of R1764 TODAY, so is it my fault that your systems only update 5 DAYS after I make payments? Is it my fault that my employer is only paying me on the 25th and you demand your money on the 15th or 17th of each month? Now you want to come and send out final demands EVERYDAY and add your fee to it aswell whereas I made the payment that was due. This is not acceptable, I will not be held responsible for these final demand letter fees, I will only pay what is due in Sep and that is R1784. Please make sure you correct this and make sure you stop sending me final demands because I make payment, might be late but I make my payments. I want this corrected on my statement and a new statement to be issued, if not I will take this further
0 replies
44 months ago
Final demands. X3 in 3 days.... AFTER PAYMENTS HAS BEEN MADE!!!
This is the 3rd final demand I am getting, 1x on the 27th 1x on the 29th 1x on the 30th And each time you send out a final demand you add your R253 onto my account. I made the payment for Aug on the 25th, the consultant I spoke to today told me they only received the payment of R1764 TODAY, so is it my fault that your systems only update 5 DAYS after I make payments? Is it my fault that my employer is only paying me on the 25th and you demand your money on the 15th or 17th of each month? Now you want to come and send out final demands EVERYDAY and add your fee to it aswell whereas I made the payment that was due. This is not acceptable, I will not be held responsible for these final demand letter fees, I will only pay what is due in Sep and that is R1784. Please make sure you correct this and make sure you stop sending me final demands because I make payment, might be late but I make my payments. I want this corrected on my statement and a new statement to be issued, if not I will take this further.
0 replies
51 months ago
Possible Fraud Transactions.
Good day, Please will someone contact me with regards to and Investment withdrawals that was made, and I don't agree with the manner it was done. And this might be a possible fraud transaction. I would appreciate it if a Team Leader or Manger Calls me- because I need this to be handled in a very sensitive way. Regards.
187 replies
113 months ago
SIM not Activated, PHONE SEND BACK, NOW I MUST PAY??????? for what???
<p>Good day </p> <p> </p> <p>So, as you will read in my reports below, i strugeld so may times to get my SIM card activated, witch never happend!!! yes a guy called me in Dec informing me that Vodacom is struggeling to get my SIM card activated, and he sugested that i send the phone back because they wont be able to assist me. and that is excactly what i did, send the phone back, and now i get an invoice for R1500 that includes the handset that i have send back.</p> <p>so nou my questtion to you guys are </p> <p>1. YOU NEVER ACTIVATED MY SIM CARD FOR MY PHONE</p> <p>2. YOU COME BACK TO ME INFORMING ME THAT I NEED TO SEND BACK THE PHONE, AND I DID THAT.</p> <p>3 NOW YOU ADD IT TO MY MONTHLY BILL, FOR WHAT??</p> <p> </p> <p>PLEASE TAKE NPOT I AM NOT GOING TO PAY THE AMOUNT REFELCTING ON MY BILL I WILL PAY WHAT I KNOW I NEED TO PAY AS I DONT HAVE THE SIM CARD , THAT SIM WAS NEVER ACTIVATED, I DONT HAVE THE PHONE, THAT PHONE WAS SEND BACK </p> <p>AND JUST NOTE IF YOU DARE TO CUTT OF MY PHONE BECAUSE OF YOUR GUYS THAT MADE AN ERROR I WILL TAKE THIS TO THE HIGHER POWER.</p> <p> </p> <p>YOU ARE AWARE OF THE FACT THAT I NEVER ACTIVATED THE SIM, AND I AM AWARE THAT THESE CALLS ARE RECOREDED.</p> <p> </p> <p>SO PLEASE RECTIFY MY BILL AND MAKE SURE THAT YOU TAKE OFF THE PHONE THAT I DONT HAVE,</p> <p>BELOW YOU WILL SEE HOW MANT TIMES I HAVE REPORTED THIS.</p> <p>----------------------------------------------------------------------------------------------------------------------</p> <p> </p> <p>11 days in counting</p> <p>Good day </p> <p>i need to report this service to the higher power now, </p> <p> </p> <p>it has been 11 days since the day i receivd my phone and still my SIM card has not been activated, i am very dissapointed in this service, i will NEVER recomend this to anyone, because look you guys cant even activate a simple SIM card, you guys dont call me to ensure me that you are still busy with this compaint. </p> <p> </p> <p>Please i want somene higher that a team member or team leader to call me, becasue this cant work liks this anymore. </p> <p>i am VERY DISAPOINTED IN THIS. you guys can come and collected the phone i dont want your service anymore.</p> <p>__________________________________________________________________________________________________________________</p> <p>8 days and still nothing</p> <p>REALLY still nothing .</p> <p> </p> <p>its been 8 days now... and still nothing.. </p> <p> </p> <p>yes a guy called me on friday ,and said he refered it to the activation departments and will get back to me, but still nothing.... </p> <p> </p> <p>8 days guys !!!!! really how long really does this take to be sorted out???? </p> <p>clearly your new system is not working.</p> <p> </p> <p>--------------------------------------------------------------------------------------------------------------------------------</p> <p>REALLY!!!!!! still nothing....... </p> <p>i wrote this on the 23rd </p> <p>I ordered a new contract online, they delivered the phone to me on Monday.</p> <p>Monday i call to activate the SIM as they told me i should do, agent told me that it will take 2 to 24 HOURS to activate the SIM and then it will be ready for use....REALLY!!!! its Wednesday 3 days going on 4 days and stillmy SIM has not been activated, i have spoke to so many people that i am becoming annoyed now. the last agent that i spoke to, well she didnt want to speak to me, she sommer puts me through to the call where i need to rate them in their service, well so i gave you guys a poor rating, the reason being everytime i call they tell me the same story, "please take our your SIM and out it back in, please putt of your phone and it will be activated in the next 2-24 HOURS, please give me the SIM card etails........and so on" i think i have done my fair shair off calling the hel desk, please make sure that someone calls me to activate this SIM card, if no one calls me by tommorow, i will contact RAM and asked them to come and collected my phone and i ll go to a nother service provider.</p> <p>Please make sure that i am called my SIM is activated and i can use my phone, if not please come and collect it. i am dont speaking to your call centre agents. they are NOT SO HELPFULL and i wil NOT RECOMMEND any to use this service. </p> <p> __________________________________________________________________________________________________________</p> <p>On the 24th a message was written back to me they will get back to me... YES a guy called me said he will refere it... and still nothing.... </p> <p>____________________________________________________________________________________________________________</p> <p> </p> <p>its the 25th and i am still waiting for someone to get back to me and still waiting for my SIM to be activated!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!</p> <p> </p> <p>I AM REALLY UNHAPPY ABOUT THIS!!!! PLEASE SORT IT OUT!!!!!!!!!!!!!!!!!!!</p>
56 replies
114 months ago
11 days in counting
<p>Good day </p> <p>i need to report this service to the higher power now, </p> <p> </p> <p>it has been 11 days since the day i receivd my phone and still my SIM card has not been activated, i am very dissapointed in this service, i will NEVER recomend this to anyone, because look you guys cant even activate a simple SIM card, you guys dont call me to ensure me that you are still busy with this compaint. </p> <p> </p> <p>Please i want somene higher that a team member or team leader to call me, becasue this cant work liks this anymore. </p> <p>i am VERY DISAPOINTED IN THIS. you guys can come and collected the phone i dont want your service anymore.</p> <p>__________________________________________________________________________________________________________________</p> <p>8 days and still nothing</p> <p>REALLY still nothing .</p> <p> </p> <p>its been 8 days now... and still nothing.. </p> <p> </p> <p>yes a guy called me on friday ,and said he refered it to the activation departments and will get back to me, but still nothing.... </p> <p> </p> <p>8 days guys !!!!! really how long really does this take to be sorted out???? </p> <p>clearly your new system is not working.</p> <p> </p> <p>--------------------------------------------------------------------------------------------------------------------------------</p> <p>REALLY!!!!!! still nothing....... </p> <p>i wrote this on the 23rd </p> <p>I ordered a new contract online, they delivered the phone to me on Monday.</p> <p>Monday i call to activate the SIM as they told me i should do, agent told me that it will take 2 to 24 HOURS to activate the SIM and then it will be ready for use....REALLY!!!! its Wednesday 3 days going on 4 days and stillmy SIM has not been activated, i have spoke to so many people that i am becoming annoyed now. the last agent that i spoke to, well she didnt want to speak to me, she sommer puts me through to the call where i need to rate them in their service, well so i gave you guys a poor rating, the reason being everytime i call they tell me the same story, "please take our your SIM and out it back in, please putt of your phone and it will be activated in the next 2-24 HOURS, please give me the SIM card etails........and so on" i think i have done my fair shair off calling the hel desk, please make sure that someone calls me to activate this SIM card, if no one calls me by tommorow, i will contact RAM and asked them to come and collected my phone and i ll go to a nother service provider.</p> <p>Please make sure that i am called my SIM is activated and i can use my phone, if not please come and collect it. i am dont speaking to your call centre agents. they are NOT SO HELPFULL and i wil NOT RECOMMEND any to use this service. </p> <p> __________________________________________________________________________________________________________</p> <p>On the 24th a message was written back to me they will get back to me... YES a guy called me said he will refere it... and still nothing.... </p> <p>____________________________________________________________________________________________________________</p> <p> </p> <p>its the 25th and i am still waiting for someone to get back to me and still waiting for my SIM to be activated!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!</p> <p> </p> <p>I AM REALLY UNHAPPY ABOUT THIS!!!! PLEASE SORT IT OUT!!!!!!!!!!!!!!!!!!!</p>
56 replies
114 months ago
8 days and still nothing
<p>REALLY still nothing .</p> <p> </p> <p>its been 8 days now... and still nothing.. </p> <p> </p> <p>yes a guy called me on friday ,and said he refered it to the activation departments and will get back to me, but still nothing.... </p> <p> </p> <p>8 days guys !!!!! really how long really does this take to be sorted out???? </p> <p>clearly your new system is not working.</p> <p> </p> <p>--------------------------------------------------------------------------------------------------------------------------------</p> <p>REALLY!!!!!! still nothing....... </p> <p>i wrote this on the 23rd </p> <p>I ordered a new contract online, they delivered the phone to me on Monday.</p> <p>Monday i call to activate the SIM as they told me i should do, agent told me that it will take 2 to 24 HOURS to activate the SIM and then it will be ready for use....REALLY!!!! its Wednesday 3 days going on 4 days and stillmy SIM has not been activated, i have spoke to so many people that i am becoming annoyed now. the last agent that i spoke to, well she didnt want to speak to me, she sommer puts me through to the call where i need to rate them in their service, well so i gave you guys a poor rating, the reason being everytime i call they tell me the same story, "please take our your SIM and out it back in, please putt of your phone and it will be activated in the next 2-24 HOURS, please give me the SIM card etails........and so on" i think i have done my fair shair off calling the hel desk, please make sure that someone calls me to activate this SIM card, if no one calls me by tommorow, i will contact RAM and asked them to come and collected my phone and i ll go to a nother service provider.</p> <p>Please make sure that i am called my SIM is activated and i can use my phone, if not please come and collect it. i am dont speaking to your call centre agents. they are NOT SO HELPFULL and i wil NOT RECOMMEND any to use this service. </p> <p> __________________________________________________________________________________________________________</p> <p>On the 24th a message was written back to me they will get back to me... YES a guy called me said he will refere it... and still nothing.... </p> <p>____________________________________________________________________________________________________________</p> <p> </p> <p>its the 25th and i am still waiting for someone to get back to me and still waiting for my SIM to be activated!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!</p> <p> </p> <p>I AM REALLY UNHAPPY ABOUT THIS!!!! PLEASE SORT IT OUT!!!!!!!!!!!!!!!!!!!</p>
56 replies
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1 Star
12 (100%)