AY
Abdul Y
Active since Apr 2018
18
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0
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Reviews
18 reviews2 months ago
No response
Submitted application form for assistance no response whatsoever despite constant emails
0 replies
2 months ago
Gepo
Submitted a complaint over a year ago and still no response whatsoever
0 replies
7 months ago
O.t.p headache
I do not have access to the cell phone number which is saved on there system to receive a o.t.p. I contacted support two weeks ago and these are the steps that were followed A link was sent to verify my photo which was successfull I was then informed that since I do not have an i.d card I should take a selfie with me holding my i.d the current date on a super piece of paper and forward it of which I did Despite following up on more than five occasions I did not receive any response I then received a response that I should go apply for an i.d card and only then can I be assisted I informed payflex I am a person with a disability being a paraplegic and that I needed to change the cellphone number as a refund of an order was sitting in the payflex wallet My question despite me following what ever payflex requested aswell as informing them that im a person with special needs To change a o.t.p seems as if there requirements are more stricted than a bank or even sars How is this possible and when I said I would take to social media I'm being ignored
53 replies
14 months ago
Hello Peter review deleted
I wrote a review on hello Peter regarding a specific company and the company reported my review. I was contacted by hello Peter regarding this and they asked for evidence and proof to substantiate my review via email. I responded requesting to whom must I forward the information to as it was an automated email from hello Peter however my review was removed with out any investigation
106 replies
14 months ago
Standard bank home loan department
I contacted the home loan department to restructure and assist regarding my home loan last year September and have provided all the paperwork aswell as necessary documents and have not received any feedback despite requesting on many occasions the DCC Restructures department I have also informed them that I am person with physical disabilities
1749 replies
14 months ago
No assistance or feedback
I contacted the home loan department to restructure and assist regarding my home loan last year September and have provided all the paperwork aswell as necessary documents and have not received any feedback despite requesting on many occasions the DCC Restructures department I have also informed them that I am person with physical disabilities
0 replies
15 months ago
*******
I purchased a full chicken 6 rolls and chips for R199 when the driver arrived I was asked to enter my pin which doesn't allow me to say I haven't received my order on the app at a later stage and the driver doesn't even jump of his delivery bike until a correct pin is entered. I then realised which out taking the delivery of the order that my order was wrong I was sent 6 roles and a cranberry juice. The driver then said that establishment has been making alot of errors he would go back and collect the order and return with the correct one for me. At no stage did I take delivery of any order. I have made many requests for help and support on the Uber and all I am told we are sad to hear your experience but we cannot refund you. I was basically ****** by the delivery person for the wrong order and Uber cannot or worn assist. I even stated I have video footage of the incident but Uber eats worn refund my hard earned cash
0 replies
18 months ago
Claim validation
Incident date 2024/07/02 I am a person with a disability being a paraplegic and I was told each claim is verified on its own merits as all claims are different. 2024/07/03 After submitting the claim which can only be done via the naked insurance app I was sent an email to book a virtual meeting. 2024/07/04 The email to book a virtual meeting stating Kindly see the link below which will allow you to book the assessment directly with me at a time and date convenient to you. Please note that the assessment is virtual (online) and will require a stable internet connection. Please note the reasonable request attached below and adhere to the deadline noted in the letter which was 2024/07/05 Failure to provide us with the required documentation/information listed, we will have no option but to reject your claim due to non-compliance of claims procedure. Not taking into consideration if I had access to internet connection and giving reasonable request being 1 day. Most of us use our cell phones as the main if not the only device to communicate. 2024/07/08 I received an email requesting the following. In the interim, can I please ask that you send me screenshots of the Google account linked to the Samsung, as per the PDF attached below? It will help to greatly expedite the claim. I sent through the requested screenshots. It was noted on the report as a discrepancy that my Google account was still active on the Samsung s23 ultra the next day I rep**** that obviously whoever found the phone turned the phone on and that's why it was showing active the next day. I had more important things to cancel and sign out from hence I only signed out from my Google account the next day. Reason which is plausible was not included on the report. 2024/07/09 Virtual meeting Most of what was discussed during the meeting wasn't mentioned in the report. She starts of as a very friendly person and portrays herself as being there to ensure you the insured gets the best service and to establish loss figures aswell as to speed up the conclusion of the claim. Falsely trying to gain ones trust and the second me the insured wasn’t happy about something during the process ( giving her full screen access to my outlook email privacy settings) and full screen access to my phone her attitude changed completely treating and questioning me like I’m a ******** accusing me of *****ulent activities from previous claims with out proper and thorough investigation from her side. I provided reasons and proof that she intentionally excluded crucial and substantiated evidence from the report which will show my compliance to provide as much information required as I could while safeguarding my privacy (she was unsure and could not provide reasons for my Microsoft outlook account not showing registered devices) showing incompetence and lack of knowledge of which I provided reasons . My answer Hi I believe that your colleagues devices are used on a cooperate Microsoft account were as mine is used on a free outlook live account . That is why the only devices that are viewable there are Microsoft devices which are paid software licences hence the screen shots I submitted only show my computers because they are paid software. There is no current active directory that I am linked to. 2024/07/09 I received an email requesting the following ● Your wife to sign the below consent form attached to the email. ● Can you please screenshot the devices linked to your current email address. Please follow these steps: https://support.microsoft.com/en-us/office/mobile-devices-options-on-outlook-com-6777abf4-0430- 4392-bea0-9c169d85b14d#:~:text=Use%20the%20Mobile%20devices%20page,and%20then%20selec t%20a%20button. ● Please can we have the same screenshots of your wife’s Google devices to confirm usage. We refer you to page 22 & 23 of your policy wording which confirms the following: The consent form as follows give permission to Naked Financial Technology (‘Naked’), or their appointed representatives, to check that all information I have provided on my claim is true and correct. In doing so, I give permission to Naked to access my personal information and to do background checks, including obtaining all information or documentation that is relevant to my claim, including but not limited to: ● Documents and records in possession of SAPS, including copies of A1 statements and/or witness information ● Information provided by witnesses ● Details of any previous insurance, including previous claims / cancellations ● Permission to make enquiries on your behalf at providers, manufacturers, suppliers, or any other retail outlets pertaining to the item/s claimed for ● Confirming blacklisting reference with applicable network providers (if applicable) ● Consumer credit information I acknowledge that I provide my consent to Naked voluntarily as otherwise they may not be able to comply with their obligations in terms of my claim My wife had to sign consent giving permission to all of the above. I stated that my wife did not log into her Google account on the device in question. I did however ask her to assist with the concent form but after the virtual meeting and they way I was questioned I declined to submit the concent form as i felt it was not necessary and explained due to my wife be a victim of data breach online she wasn't happy with that. Claim summary incident I informed the insurer my wife took an Uber ride in order to take my tag heur watch to replace the battery. She was using my son's iPhone 7 as it had data and credit on the Uber ride application(I provided the Uber ride as confirmation but was not mentioned in the report at all). She also was going to get a quotation to repair the iPhone as it was faulty and if feasible to repair she would book it in Immediately hence the reason why she also had my Samsung s23 ultra as a backup to request an Uber ride and communicate with me. While arriving at the shopping centre she had to rush to the toilet because her monthly period began. She suffers from severe bleeding during this time. While in the toilet after searching in her bag she realised that she didn't have any female toiletries left. She exited in a rush and proceeded to click's to purchase what she needed and to save herself from embarrassment if she had to mess herself. While at the till point she realised she had left the bag containing the tag watch and Samsung phone behind in the toilet cubicle and rushed back to the same toilet cubicle. The bag was not there and no were to be found. After sorting herself out she looked all over and made enquiries if anyone saw the bag or was carrying the bag but could not find it. She proceeded to the local police station and was informed to complete an avfidavit regarding the incident as a formal case could not be registered because it was a loss of items which wasn't a ******** offence and not a theft as stated in the report. What the validater stated The insured reported that on 02 July 2024, his spouse went to a shopping centre. She was carrying a large box with a watch and the insured's phone in her bag. After an incident in the bathroom, she realised the items were missing. Despite retracing her steps, she couldn't find them and reported the incident to the nearest police station, but no formal case was registered. Not including crucial information like the Uber ride report, why a formal case could not be registered, reason why she had the phone and watch Claim validation process. I see the process as a tactic used just to reject a claim despite complying with what was requested from me. I understand that the following should be included in the report however so should the answers and evidential proof regarding each discriprency as the validater called it. Insured items submitted as a loss claim a Samsung s23 ultra and a tag heur formula one watch I feel the validation report wasn't true and facts incorrect for the following reasons - *********** investigator/validator - Lack of transparency and clarity during validation - Failure to include crucial information and evidence in the validation report - Failure to investigate facts thoroughly before including them in the validation report - Events included in the validation report that we're not true and incorrect for the following reasons. I attached the email conversation between the validater and myself as factual evidence regarding the discrepancies omitted on her behalf aswell as snapshots proving her findings to be incorrect or perhaps just blatant lies in order to reject my claim. My previous claims that according to the validation report created suspicions and doubts. I provided reasons and proof the report regarding the previous claims were either intentional lies or lack of proper investigation aswell evidential proof. The following will show what was contained in the report by the validater followed by my answer which was not included in the report submitted. Validater Current claim watch ownership 1.Date Purchased/Acquired: Birthday gift – 5 years ago – 2021 Where Purchased? He cannot recall My answer and fact I stated and provided the original invoice purchased from the tag heur shop also providing an evaluation certificate. Validater 2. Previous claim Samsung 70 Inch TV Claim in February: It has come to our attention that you placed a Samsung 70 inch TV for sale on 26 May 2024. However, you also claimed for the same item. Could you please clarify if you sold the replacement TV you purchased or if you were selling the original TV? If it was the original TV, this would be considered *****ulent. Additionally, if you intended to sell the replacement TV, why did you proceed with the claim? My answer and facts I submitted the claim in February this year months ago. Damages to my property and contents from a storm. The building was assessed by an assessor and the contents being electronic items were assessed by a different assessor and found to be uneconomical to repair. All items claimed for were physical items inspected and assessed by assessors appointed by the insurance company. The item in question being the 70 inch Samsung tv and according to the information stated and questioning around the said item was because I claimed for a 70 inch Samsung tv months ago I am not allowed to sell another or infact sell the same item. How did she conclude that was infact the same TV and even if it was the same TV be allowed to question as to why I submitted a claim in the first place if I was going to sell the TV. My question is am I not allowed to sell items that I was settled for and if I am going to sell the item am I not allowed to submit a claim. I have read the policy wording over and over and cannot find anything regarding that. I believe that what I do with my property after a valid claim has been settled is my business and has absolutely nothing to do with the current claim. I was then accused of conducting *****ulent activities as I was questioned if I had placed the original TV being the damaged TV up for sale. If proper investigation was conducted regarding the damaged TV I wouldn’t of been questioned or accused of *****ulent activities as one would of found that the said item had been collected as a salvage unit by the assessors as instructed by the insurer . The lack of basic investigation protocol makes me question how competent and qualified the validators/investigators really are as one can see statements and accusations being made with out evidence let alone informing me that I cannot submit a legitimate claim if my intention was to sell the item after settlement of which is intentionally misleading a client. Validater 3. Previous claim Samsung S23 Ultra Repair: We noticed that you requested a Cash in Lieu (CIL) for the repair of your Samsung S23 Ultra but then proceeded to repair it yourself. Could you explain why you opted to repair the phone yourself after requesting a CIL? If you purchased any resources for the repair, please provide proof of purchase. If no resources were bought, please clarify your actions. My answer and fact I was offered cash settlement by the insurer and I did not request to be settled that way. I provided pictures of the damaged old screen which I still have. The repair for the s23ltra I purchased an original replacement screen from a gumtree add of which I cannot remember the details I have attached the picture of the old screen that I still have. The reason for me doing it myself is that insurer was replacing the screen with an aftermarket non original items. I was questioned why did I request a cash settlement when infact I was offered the cash settlement by the claim adjuster. How I repaired my phone after the claim was settled shouldn’t of been included in the report as it was a valid claim settled after physical item assessed and the phone was removed from my policy. Validater 4. Previous claim settled as a Voucher : On 18 May 2024, you placed the settlement voucher for sale at a discounted rate. This voucher was issued as part of a claim settlement for an LG TV on 2 May 2024. The voucher was intended for the replacement of the TV. Why did you place the voucher on sale instead of using it to replace the TV? This action raises concerns of potential *****. My answer With regards to the voucher I placed it on sale as I wanted to purchase a bigger and better TV from an alternative supplier and the given voucher amount was not enough to purchase what I wanted from the company were I could only use the said voucher however at a discounted price that I would receive I could get the item I wanted cheaper elsewhere. I then decided to use the voucher to buy a bigger TV when they had their birthday sale. I was not informed that I could not sell the replacement products and or vouchers received as settlement from valid claims. I have read the policy wording and could not find anything regarding what the validator stated and advised 1. Not allowed to sell vouchers received as settlement for valid claims. 2. Cannot sell items received or purchased after a valid claim is settled. 2024/08/06 I lodged a complaint with hollard following protocol as per the policy complaints procedure. I was informed to do the following - If you're still able to locate the requested information, please submit it at your earliest convenience. This will allow Naked to revisit the claim and potentially reach a different decision. My response Hi Please advise regarding my wife and her Google accounts she was not logged into the the device in question as I did state during the validation Regarding my devices linked to my email account I did forward snap shots as requested 2024/08/27 I requested feedback Hollard feedback Good day Abdul We have followed up with Naked and will update you as soon as we have received feedback. 2024/09/05 Requested feedback once again Response Good day Abdul We have received a response from Naked regarding your claim. They have requested that you provide screenshots of your wife's Google accounts, as well as a signed consent letter from your wife. Unfortunately, they have not received the signed consent letter from your wife, which is a crucial piece of information for us to proceed with validation of your claim. The screenshots that you provided without the signed consent letter are not sufficient for Naked to re-open your claim for validation . I responded Good day Please see attached requested consent form from my wife as well as screenshot of the device's on her Google account Please be advised that she was not logged in to the device in question which I did state during the validation process. 2024/09/16 I requested for feedback yet again 2024/09/17 Response from Hollard Good day Yusuf We have asked Naked to provide you with an update on the validation process. Response from naked insurance requesting more information despite me complying with what was requested previously Good morning Yusuf, I hope you're well. Thank you for your recent submission. However, after reviewing the documents you provided, there are still a few outstanding issues we need to address to proceed. Gmail Account: The screenshots you sent regarding your wife's Gmail account show no cellphone linked to it, which raises questions about ownership and usage. We will likely need to request beacon and billing data from you to verify the device's location, as we currently have no way to confirm this. My reply As i said it was not her phone she used it as a spare phone it was MY PHONE emphasis on mine I informed you from m the begining that her accounts wouldn't show there Consent Form: The consent form you provided does not include your wife's full name, which is required. Please correct and resubmit the form. Proof of Ownership: Now that you are complying with our request, we also need proof of ownership for the watch. Please ensure this is provided as soon as possible. My reply I provided an invoice in my wife's name and a valuation certificate when the item initially insured as well as claim stage this seems as delay tactic as I comp**** with this already Shopping Centre: Kindly provide the exact name of the shopping centre you visited. My reply I stated the full name as well as confirmed GPS coordinates at claim state Incident Details: We request that you recount your story again to ensure we have an accurate and up-to-date version of events. My reply It was clearly stated at claim stage Previous Claims: Due to the discrepancies we saw in the previous claims, we will need to re-open your previous claims too and assess their validity and will then further require your cooperation. My reply You more than welcome to open all previous claims one will find those were for physical items that were verified by assessors and salvaged accordingly Meeting Request: Finally, we would like to meet with your wife to clarify certain details and ensure everything is in order. My reply We are not prepared to do that as I would like to place on record that it feels we are being treated as ********s Once we have the above information, we can proceed with your case. Please let us know if you have any questions. My reply Rejection of the claim initially was due to non compliance the concent form aswell as the google accounts. Both have since been comp**** with. If the claim still remains rejected despite complying with previous request then provide me with another claim rejection letter so that I can take this matter further. Gmail account Further more I would like to place on record that my wife does not own a cellphone and does not have any cell phones linked to her account and that is the reason why she had my phone is the first place 2024/09/17 Further complaint submitted to hollard Good day Pleass see attached I am still not happy with the service I am recieving. Please provide me with some answers as to if this is procedurally correct. Please explain to me what is my next step as this is gone on far to long and I feel I have been victimised and treated like a ********. Ive been threatened that previous claims would be opened despite the validator not investigating the merits of those claim properly. It seems as if naked is looking for every excuse not pay the claim because I have submitted alot of genuine claims in the paste does not mean that that I am a *****ster. I have been accused of acting *****ulently by the validator in my previous submission of my complaint I did point all of that out to you. I have since comp**** with the previous request and now a whole new list of ridiculous requirements half of which have already been comp**** with. Why wasn't these requests also used as the bases for the initial claim rejection. Please see attached and read my replies concerning each query. If the claim still remains rejected despite me complying then please provide a claim rejection letter as I have followed the complaints procedure thus far and it seems the matter isn't being escalated and my complaint isn't being investigated as to how I am being treated but pushed back to the same people that my complaint is based on Please advise 2024/10/11 As it stands more than 3 months since I submitted the claim no resolution I have not received any update or feedback in almost a month regarding my complaint from naked insurance or Hollard complaints
53 replies
27 months ago
Naked insurance and digicall assessors
My naked insurance and digicall story is as follows. Please note this is my second complaint. I contacted the assessor day before yesterday to ensure all was in order and he informed me he would contact me the next day for time of the assessment which meant I just had to wait upon him the whole day. I found it very strange that the email stated 24 Jan 2024 Late Afternoon between 16:00 - 20:00 I called him yesterday at 16:15 and he stated he definitely won't becoming how ever will arrange a contractor to do the report and I will get the details immediately. Hi tech has done the assessment on the electronic items. I am a person with a disability and am a paraplegic bound to a wheelchair we made ourselves available for that time. I contacted him at 16 15 he still had ample enough time to do do the assessment almost 4 hours but he stated a contractor willl do it to help speed up the process. I have heard nothing from anyone regarding this. He stated that the time frame is an automated message and its wrong and they shouldn't of sent that. They I'm not sure who he was referring to So am I just suppose to wait Firstly any such time an appointment can be made which is fine for which day but then the time frame which isn't what was communicated to me. Then the assessor chops and changes as he feels like with no such communication. I feel this is unacceptable and will be delaying my claim process. Please advise on a way forward as I would like to escalate this matter as I am not happy with the service I am receiving Just 2 min after I sent out the above email I received one. Confirming an appointment for assessment was booked. No one boad contacted me or communicated with me to see if im available. The email just says time and date confirmed by who I'm not sure . I was informed by yesigan he will be assigning a contractor to do the assessment but according to the new schedule which I'm not sure who it was confirmed by as I didn't confirm nothing the assessment will be done by him . Why am I being given the run around. Please notemy calls are recorded and can be made available on request Ask twice for any feedback. It seems naked replies very quickly when policies have to be put in place but when it comes time to respond to claims days go by without any feedback Good morning Any feedback regarding my issues Thanks Response yesterday from digicall naked insurance are ccd in all the communication and are even the main recipient of soek emails but they don't bother to respond promptly Good day Yusuf My Humbel apologies for the delays and inconvenience Yesagan the assessor advised that will definitely be at your property tomorrow 26/01/2024 and he will call you to confirm a time. My response once again appointments are made and I just need to make myslf available I was advised a contractor would be here by him and secondly who said that I'm available tomorrow So what is really going on regarding my assessment as I explained to him that it's a firewall built around the garage which is next to the kitchen and there is no access available to the garage part of the roof Please advise I sent an email today after the assessor wasted my time I have requested the matter to be escalated and nothing has been done. Its gone two weeks now and assessment for my building cover claim hasn't been done Good day The service I am receiving is quite pathetic. The assessor contacted me this morning spoke very nicely and we made ourselves available for an appointment with him and the contractor after 1 pm today. Mr Yesigan came alone and wasted my time because he did not do the report as he stated the contractor was not available due to all the recent floods and I must understand. What does my assessment report have to do with other claims and reports. I shouldn't suffer because the contractor or digicall cannot cope with the work load. When I spoke to him this morning he assured me they coming. Dispite me being understanding the third time around as this appointment was just taken for granted as I was not consulted regarding the date and time I've been told to understand and a the contractor will contact me to arrange another appointment. Mr kerabo of naked please can you tell me now what is the delay now another week has gone past and my assessment report hasn't been compliled as yet. Am i just to wait around at digcalls beck and call . They cancell and book appointments as they please with out any consideration on my part. Mr Yesigan stated the contractor will contact me today even though I'm upset I would of still accommodated them as I would like to get my claim sorted but they never called nor did Yesigan to even confirm if they did. So am I just to wait around for the contractor to call last minute or will they just make there own appointments for the assessment as digicall does I would like to escalate this matter to the forrmal complaints department as I am unhappy with the service that I am receiving as a client This was my last email to naked insurance and once again it lands on deaf ears no response what so ever. What makes it worse is that it's a weekend, so I probably won't get a reply until next week well that's been the case in the past with naked insurance. Don't get me wrong I have received excellent service from Naked in the past but my last two claims have be such a headache its unbelievable. What I noticed is that after a claim is processed and there aren't any issues meaning the claim is processed fast one will receive a link to hellopeter to review the service received from naked insurance of which I have gladly done before. I always say give credit if credit is due. However I find it strange that a link isn't offered to review service queries which are complaints in a negative manner. One would then actually question the 4 and above stars received ratings are they actually correct.
0 replies
27 months ago
Forced into vouchers
My cellphone a s23 ultra was lost. Naked could not supply me with a replacement from their service providers and offered me vouchers. Despite me having to ask daily and more than once for feedback I was being forced into a take alot voucher aswell as an istore voucher I am not happy to take a voucher and I don't have the money to out lay at the moment up front to be reimbursed. I don't understand if it is about me purchasing the same device is what I understand why would url offer me a istore voucher I would like to escalate this matter to management as from what I understand I'm suppose to be put back in the same position I was. If there is no joy in me getting a cash payment please can I have it writing that my claim has to only be settled with a voucher as explained so that when I submit to the ombudsman I have all my ducks in a row. I do understand its not your fault but it's quite frustrating as I have been a naked customer for quite some time and to be forced to buy sumting with a voucher which I can't afford the difference I don't think it's fair. What do I do with a R25000 voucher when the phone is this price. Hi Abdul, Your previous claims were for repairs which are handled differently from total loss claims. As this device was lost, we can only settle you in cash after the device has been replaced and you've provided us with proof of purchase from a reputable supplier. As such, we have to offer you a voucher or claims card for the time being. Kindly let us know how you would like to proceed. I obtained a quote from amazon according to the above reply it must be from a reputable buyer. The whole world purchases from Amozon how can they not be a reputable buyer. I am being forced now to take a R25000 take alot voucher and I have to put in the difference of R10 000 to obtain the same device as I've been instructed to yet I was offered all other different types of vouchers aswell as one from the istore how do I purchase a samsung products if its about me purchasing the same device. My last two claims naked could not provide a replacement and offered me cash from the onset. To my understanding I should be put in the same position I was in. My position was a samsung s23 ultra not vouchers that I can't purchase the exact model and if naked can't supply the replacement I should be able to get a cash payout to purchase my own replacment as I can get it from other online overseas stores. Bottom line what I do with my claim pay out should be my buisness as I'm not asking for extra asking for what I am insured for yet im being forced into to vouchers which I assume naked gets at a discounted cheaper rate. To my understanding the insurer nor the insured should benifit both should be left in the same position. Hi Abdul, Your previous claims were for repairs which are handled differently from total loss claims. As this device was lost, we can only settle you in cash after the device has been replaced and you've provided us with proof of purchase from a reputable supplier. As such, we have to offer you a voucher or claims card for the time being. Kindly let us know how you would like to proceed. How can I now be forced to purchase the same device the be reimbur*****t for cash what is the point of Insurance. Why then am I offered an istrore voucher. My previous claim was for total loss as they could not replace the damaged phone so a phone being lost why should it make a difference I have had perfect service thus far now at claim stage when I have requested answers and assistance I am being given the run around. The service received from Sonia that I have to practically beg for feedback isn't fair. I only get feedback I was then informed by daryl via a telephone conversation at 11:00 that a meeting was scheduled for 14:00 to discuss my matter and I would receive feedback no later than 14:30 today. I asked the matter to be escalated to management and he informed me he was part of management and would escalate it to the necessary department. This is the reply received from Sonia Hi Abdul, Sonia here from Naked. Thank you for your email, and apologies for the delay in this regard. We will be discussing your claim in detail with our management team. We will only be able to advise on the way forward within the next 2 working days (probably sooner) after this discussion this afternoon at 2pm and once sign-off has been received upon finalisation of your claim. Regards, Sonia So after my call and what was promised to me I must wait a further 2 working days This isn't just about the the vouchers this is about the run around and the complete disrespect by Sonia who doesn't have the decency to reply to emails
232 replies
Review Distribution
5 Star
2 (11.11111111111111%)
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1 Star
16 (88.88888888888889%)