TK
Thabang K
Active since Nov 2018
48
Reviews
0
Industries
Reviews
48 reviews1 month ago
Lack of Feedback and disregard to new students AP11127717
Dear Nomasonto, I am sadly disappointed with the level of services being provided by your institution, the sad part of this is that i need to runaround pick up my ohine and write emails just to follow up with to to no avail, I have asked you since last week the status of my application till today you either ignore my email or you are not reading it at all. Kind regards Thabang Kola
106 replies
5 months ago
Experian is Re-Aging Closed & Written-Off Accounts After Retention Period – ******** Credit Reporting
I am extremely concerned and disappointed with Experian South Africa’s handling of my credit information relating to several Lewis accounts that were previously recorded as “Written Off”. According to the National Credit Act (NCA) and the Credit Bureau Retention Period Regulations, written-off accounts must be removed from all credit bureau reports after 24 months and may not be re-aged, re-listed, or reopened once the retention period has expired. Here is the sequence of events: These Lewis accounts were recorded as Written Off on my Experian report. As the retention period ended, the accounts were correctly removed as per NCA Regulations. However, on 24 November 2025, these same accounts suddenly reappeared on my Experian profile again — this time showing “Active” and **“In Arrears.” Even more concerning, two of these same accounts now appear as “Closed” simultaneously, creating duplicate, conflicting, and ******** entries. This is a serious breach of: The National Credit Act, The Credit Bureau Regulations, And POPIA, due to the ******** reprocessing of expired adverse data. A written-off account cannot legally be: ✔ re-aged ✔ placed back into arrears ✔ added again after retention expiry ✔ duplicated in any form I demand: Immediate removal of all re-aged and reactivated entries. A full investigation into how Experian re-listed expired written-off accounts. Confirmation in writing that these ******** entries have been rectified. I will escalate this matter to the National Credit Regulator (NCR), the Credit Ombud, and the Information Regulator if this is not resolved urgently. Experian must urgently correct this ******** and damaging conduct.
53 replies
5 months ago
******** Account Status Manipulation, Incorrect Reporting & Failure to Apply NCA Retention Period
I am lodging a formal complaint against TransUnion regarding the ******** and inaccurate reporting of three (3) Lewis accounts that were listed as “W – Bad Debt Written-Off” on 22 November 2024 — but are now incorrectly showing as “Active” and “In Arrears” on my TransUnion profile. This is a direct violation of Section 71(2) of the National Credit Act (NCA 34 of 2005) Regulation 17 & 19 of the Credit Information Regulations The Prescribed Retention Period Schedule. WHAT TRANSUNION IS DOING WRONG This serves as a formal legal notice and request for urgent regulatory intervention in terms of Section 71(2) of the National Credit Act (NCA), due to: ******** processing of credit information and Inaccurate and conflicting reporting of account statuses failure by Credit Bureaus to correctly apply retention periods for "Written-Off" listings, Failure to update my credit profile in accordance with the NCA, Regulations, and Prescribed Retention Schedule The affected accounts relate to three Lewis Store accounts initially listed as “W – Bad Debt Written Off” on 22 November 2024. STATUTORY CONTEXT: SECTION 71(2) OF THE NCA Section 71(2) of the NCA states: A credit bureau must remove information from a consumer's credit record when the retention period prescribed in the Regulations has expired, and must ensure that the information is not reloaded, re-submitted, or re-posted thereafter. Additionally: Written-off debt may not be reactivated, reposted, or converted back into an “active/arrears” account when the retention period has expired. The bureau must mark the account as CLOSED once the retention period lapses. COMPARISON WITH OTHER BUREAUS Experian Fully Compliant Experian is 100% compliant with the NCA and retained the correct timeline. KEY LEGAL POINTS TRANSUNION IS IGNORING OR IGNORED Evidently so, being in contact with a lot of consultants from Transunion they simply ignored these but rushed to debit my bank account R321 even duly noting these incorrect entries that violates not only my constitutional right but Violating Section 71(2) of the NCA, This incorrect reporting is causing unfair harm to my creditworthiness, and I require urgent correction within the statutory 5 business days. Written-Off accounts MAY NOT be revived and once written-off and retention has expired WHAT TRANSUNION IS DOING WRONG Showing Written-Off + Active + In Arrears simultaneously (*******) After retention expiry: Removed “Written-Off” but left accounts as Active & In Arrears TransUnion is now doing exactly the same thing, which is a violation. These accounts expired on 22 November 2025 The retention period for Written-Off accounts is 12 months. Therefore Listed: 22 November 2024 Retention Expiry: 22 November 2025 According to Section 71(2): When the retention period expires, the information MUST be removed and the bureau MUST NOT reprocess or revive the information thereafter. WHAT I HAVE ALREADY DONE Logged a dispute with Transunion Collected screenshots showing TransUnion’s non-compliant reporting and prepared a formal Section 71(2) notice that i will send to the Ombudsman and NCR should these be not rectified within 5 business days as the retention period lapsed WHAT I AM DEMANDING FROM TRANSUNION Immediate correction of ALL THREE ACCOUNTS: Remove ALL active statuses Mark ALL three accounts as CLOSED Explain why TransUnion violated the retention rules These cannot be ignored and therefor should be attended to as i have an active profile with TransUnion and active debit order that is scheduled to go off on the 28 November 2025 MY EXPECTATION AND CONCLUSION TransUnion is: Reporting expired information Misclassifying Written-Off accounts Violating Section 71(2) of the NCA Contradicting Experian (who followed the law) My ID number is 8612096176080 Contact number 0676453915 Regards Thabang Kola
53 replies
5 months ago
Formal Complaint Against XDS / Splendi for ******** Re-Aging and Incorrect Reporting of Written-Off Accounts (Lewis Stores)
Dear Sir/Madam, I hereby lodge a formal complaint in terms of Section 136 of the National Credit Act (NCA) and the Credit Bureau Regulations against XDS / Splendi for ******** and misleading reporting of three Lewis Stores accounts. This complaint includes an additional, serious breach: XDS displayed the same accounts simultaneously as “Written-Off” AND “Active/In Arrears,” which is factually and legally impossible under the NCA and CBA Data Code. 1. ACCOUNTS IN QUESTION Lewis Stores accounts listed on 22 November 2024 as: R33 118 – Written Off R15 072 – Written Off R29 609 – Written Off These were recorded as “W – Bad Debt Written Off” for 12 months. 2. RETENTION PERIOD EXPIRED ON 22 NOVEMBER 2025 In terms of Regulation 17(1) of the Credit Bureau Regulations: “Adverse information, including written-off listings, may only be retained for 12 months from the date of listing.”Thus: ✔ Legal expiry date: 22 November 2025 ✔ Written-off entries must be removed entirely ✔ Accounts must be marked Closed Other bureaus, including Experian, app**** this correctly. 3. SERIOUS LEGAL BREACH – DUAL STATUS (“DOUBLE REPORTING”) XDS / Splendi committed a major breach of NCA reporting standards by presenting the accounts as:This violates: ▪ NCA Section 70(2)(d) – data must be accurate and reflect the true legal status ▪ NCA Regulation 19(4) – credit bureaus must reject inconsistent data ▪ CBA Data Code of Conduct – final status codes cannot co-exist with active arrears ▪ Principle of Data Integrity under Section 68 A credit account cannot legally be BOTH:A “W – Written Off” status is a final, terminating status Once a creditor writes off a debt: 4. XDS THEN REMOVED THE “WRITTEN OFF” STATUS, BUT *******LY LEFT THE ACCOUNTS AS ACTIVE/IN ARREARS When the retention period expired: Experian correctly removed the adverse information and closed the accounts. XDS removed the “Written Off” flag BUT *******LY re-aged the debt and marked the accounts as Active & In Arrears. I have few points here: Bureaus may not revive expired written-off debt, Bureaus may not re-age closed accounts, Bureaus may not reflect arrears on terminated credit agreements, This behaviour is prohibited by NCA Section 71(2) – outdated information must be removed and CBA Final Status Code Rules – W (Written Off) cannot revert to Active, I now appear to have active arrears on accounts that should be closed. I request Immediate correction of my XDS/Splendi profile Remove all Lewis Stores entries entirely mark accounts as Closed (consistent with retaining rules). although Mimi had assured me that the adverse “Written Off” listings would be removed on 23 November 2025, the correction was only partially completed, and the accounts continue to reflect active and in arrears, which is ******** and inconsistent with the National Credit Act (NCA) and Credit Bureau Regulations. I submitted the following documents to support my dispute 1. Experian report (09 November 2025) – showing all three Lewis accounts listed as “W – Bad Debt Written Off.” 2. my Experian report (23 November 2025) – showing these same accounts correctly updated to “Closed” after the 12-month retention period expired. 3. XDS/Splendi report (23 November 2025) – showing the accounts incorrectly displayed as active and in arrears, even though the written-off status had been app**** for an entire year. If this matter is not fully corrected within 5 business days, I will proceed with a formal complaint to, The National Credit Regulator and The Credit Ombud,
0 replies
7 months ago
Experian Failing to Update My DMC Account & Wrongfully Cancelling Dispute
am extremely dissatisfied with Experian’s handling of my dispute regarding my DMC account. Despite logging several disputes and even providing updated statements, Experian has failed dismally to resolve the issue. Instead, they simply cancelled my dispute without addressing it. On the 1st of September, I logged a query with DMC requesting that they update my Home Choice account that was handed over to them. The account reflects incorrect and false information on my credit profile. The account currently shows a balance of R900, which I have been paying for two consecutive months, after being granted a discount from R2 550.00 to R1 800 payable in three months. Before this discount, the account was misreported. I followed up with Experian and was even advised that my query had been logged with them to update, yet nothing has been corrected. Instead of investigating, Experian chose to cancel my dispute, without explanation. This shows complete disregard for the fact that I kept logging disputes simply because Experian was sidelining the matter and refusing to resolve it. I also wrote to the NCR about this serious failure. I even provided Experian with an updated statement from DMC to support the correction of my account balance, yet they did not act. This conduct is unacceptable. Experian is in breach of their obligation under the National Credit Act to ensure that consumer credit information is accurate and up to date. I expect Experian to immediately re-open and resolve my dispute, update my DMC account to reflect the correct balance, and confirm this in writing
53 replies
7 months ago
******** Contact on My Employer’s Office Line – Breach of Privacy and POPIA Violation
I am writing to formally raise a complaint against Nimble Group / Norman Bissett regarding a serious breach of my privacy. On a recent occasion, I received a call from Nimble Group / Norman Bissett that was made directly to my employer’s office line. This line is not a personal number and is shared across multiple employees within the company, including senior management, directors, and the legal department globally. At no point did I give consent, either in writing or telephonically, for Nimble Group or Norman Bissett to contact me on this office number. This number is not listed as my personal contact information, and it is unacceptable for them to assume that it is mine simply because it is associated with my place of work. Nimble Group is already in possession of my correct and personal contact details, namely: Cell phone: 067 645 3915 Email: shawnkola.ts@gmail.com Any further contact must be made through these channels only. This action is a clear violation of the Protection of Personal Information Act (POPIA), and I view it as an ******** use of private information. Should Nimble Group or Norman Bissett continue to contact me on the employer’s office number, I will have no choice but to escalate this matter further, including lodging a formal complaint with the Information Regulator of South Africa and seeking legal recourse. I demand that Nimble Group / Norman Bissett immediately cease all contact attempts on the 021 office number and restrict all communication to the personal contact details I have provided.
0 replies
7 months ago
******** Contact on My Employer’s Office Line – Breach of Privacy and POPIA Violation
I am writing to formally raise a complaint against Nimble Group / Norman Bissett regarding a serious breach of my privacy. On a recent occasion, I received a call from Norman Bisset/Nimble Group that was made directly to my employer’s office line. This line is not a personal number and is shared across multiple employees within the company, including senior management, directors, and the legal department globally. At no point did I give consent, either in writing or telephonically, for Nimble Group or Norman Bissett to contact me on this office number. This number is not listed as my personal contact information, and it is unacceptable for them to assume that it is mine simply because it is associated with my place of work. Nimble Group is already in possession of my correct and personal contact details, namely: Cell phone: 067 645 3915 Email: shawnkola.ts@gmail.com Any further contact must be made through these channels only. This action is a clear violation of the Protection of Personal Information Act (POPIA), and I view it as an ******** use of private information. Should Nimble Group or Norman Bissett continue to contact me on the employer’s office number, I will have no choice but to escalate this matter further, including lodging a formal complaint with the Information Regulator of South Africa and seeking legal recourse. I demand that Nimble Group / Norman Bissett immediately cease all contact attempts on the 021 office number and restrict all communication to the personal contact details I have provided.
53 replies
17 months ago
Urgent: Unresolved Complaint Regarding Defective Fridge
Dear Simba and Game N1 City Management, I am writing to express my profound disappointment in the handling of my complaint regarding the defective Hisense 347L fridge I purchased from your store on 26th October 2024. It has now been more than a week since I logged this issue on 8th November, and to date, no resolution has been provided. Despite my previous communications with Amanda Potwana and Roefkah Ferreira, and a promise from one of your floor managers to contact me within 48 hours after receiving a report from Hisense, I am still awaiting feedback. It has been over three days since this 48-hour window expired, and I find it completely unacceptable that I have not been contacted or updated on the status of my case. The lack of urgency in resolving this issue is not only unprofessional but also reflects poorly on Game's supposed commitment to customer satisfaction. As a paying customer, I should not have to endure an entire week without a properly functioning fridge—especially when the defect became evident within weeks of purchase. As a longstanding customer, I never expected this level of disregard from a store with the reputation of Game N1 City. The lack of communication and the failure to address a legitimate complaint for a product that should be in perfect working condition is deeply concerning. I am left wondering whether the fridge was sold with the defect, as no checks seem to have been performed prior to sale. It is disheartening to witness the disregard for consumer rights, especially for an item purchased in good faith. If this issue is not resolved by the close of business today, I will have no choice but to escalate this matter to the National Consumer Commission (NCC) and take all necessary steps to ensure that this negligence is rectified. It is clear that the Consumer Protection Act does not support such poor treatment of customers, and I will not tolerate this any further. I expect immediate action and a replacement or refund without further delay. Sincerely, Thabang Kola
168 replies
38 months ago
Thabang Kola Complaint with head office Acc 105271
Dear Lewis Group, I write this email with reference to my Credit Limit complaint. I am very much disappointed on the basis of your treatment towards your client’s, on the thought of being your existing client since from 2014 or so, this is the kind of a treatment I am getting from the Lewis Group, On the basis of being an existing client with the very same interest of taking your NIKITA CORNER 2 MOTION LOUNGE SUITE which was then R 19 999.99 and now on promotion for R 17 999.99 I applied online which your online your system said ‘’Congratulations Mr Kola You can buy for R 153 700.00 (Attached is the message I got on the 02nd March and Today the 06th March) which I then went to your Randburg branch and was assisted again, not for the first time by Charity and Kea mostly Kea who’s always happy to assist, however, was advised that there’s only R 16 600.00 left on my credit to utilise, requested the store to assist to contact the head office to increase my Limit to the value of the NIKITA CORNER 2 MOTION LOUNGE SUITE which I was also told that it will be on promotion from the 06th March being R 17 999.99. This process was done by Charity who contacted me and advised that the Head office has refused to increase my limit, ‘’To whom (Head and Seniors of Lewis) reading this mail, Thabang Kola ID 8612096176080 has been your existing client from 2014 , I have again returned to do business with you took goods to the value of R 32 500.00, with the assistance of your staff at the same branch I have been an existing client with from 2014’’, you have refused to top up my limit with R 2 000.00 to allow me to buy a product of my choice being the NIKITA CORNER 2 MOTION LOUNGE SUITE for R 17 999.99, Is this a manner how you treat your client’s in every aspect of the business? On what basis would your online system tells me that I can buy for R 153 700.00, yet you come back and refuse to assist an existing client with a top up which technically from R 16 600 Credit Limit left + R 1 399 Top up = R 17 999, this is what you are refusing to assist me with a mere R 1 399.00? how frivolous, your treatment is towards your client, In a nutshell I am basically being told to take my business elsewhere if I do not want to buy something less than my choice of product being NIKITA CORNER 2 MOTION LOUNGE SUITE for R 17 999.99 out of a buying power of R 16 600, If only I knew your treatment and mission is to have a less sight towards your existing client’s needs, with good payment records on your books. I previously logged a complaint against your Treatment as head office, you do not have the heart to listen to what a client need an assistance with, my second, third, fourth experience with you guys as the Lewis head office has been Frivolously outrageous each time your Randburg Branch staff needs assistance with my account they are being pushed from pillar to post, which has to come down to me writing long emails like this just to get your attention and assistance when you can easily have your team at your branch to assist me while the walk with a smile to proudly come back and do business with The Lewis group, But instead each time I find myself writing hello, petter complaint, It happened with the interview calls I had to get, it happened with the Cash back I had to get, now is a request for a top up of R 1399.00 which again Charity contacted you guys and requested an assistance with, and she was told that it can never be done I should buy with what I have, Today I spoke to Mckayla Adonus who asked me to hold on the she left me hanging on the phone I had to drop the call then I called and spoke to Tony Maluleka, Mckayla Adonus who told me that a consultant will investigate, what I want to know what is there to investigate when you have my complaint already logged by Charity from the Randburg store? Instead of listening to her concerns because she has the client’s best interest at heart you declined her request on the go, yet when I lay a complaint I am being told a consultant will investigate. Can I have the above and attached read carefully because it still does not make sense as to why your online system says I can buy for R 173 700 yet my request for a top up of R 1 399.00 or R 2 000 as Charity requested has been declined. I want to understand how? How can this possibly R 173 700 that turned down to decline of R 1 399 top up? I trust my complaint and request will be treated with respect instead of being treated frivolously with shame. Kind regards Thabang Kola
106 replies
38 months ago
EXPERIAN-224113 Fw: [EXTERNAL] My Credit Check Dispute - Disputed Account Name and Number: CREDITWORTH FINANCIAL SERVICES - 85-124
DEAR BARBARA MGQUBA AND GARETH LEIBRANDT I AM SO SICK AND TIRED OF YOU GUYS I SEND YOU MY CREDIT REPORT DATED THE 02ND OF MARCH 2023 ONE MINUTES YOU UPDATE MY PROFILE THEN YOU AGAIN PUT THE ACCOUNT AS IN ARREARS. TELL ME WHAT HAVE YOU RESOLVED WHEN RODAY THE 2ND OF MARCH MY ACCOUNT ON COMPUSCAN AND EXPERIAN SHOWS IN ARREARS. GUYS I HAVE ****ING 5 MONTHS IN A ROW COMPLAINING OF THE SAME THING YOU GUYS UPDATED THIS ACCOUNT DAYS FEW DAYS AGO. NOW JUST AFTER YOU SEND ME THIS EMAILS THIS ACCOUNT IS BACK AGAIN SHOWING IT WAS LAST UPDATED ON THE 28TH OF FEBRUARY AS IN ARREARS. GUYS WHO IS NOT GOING THIER ****ING JOB. I AM SICK AND TIRED OF YOUR UNETHICAL TREATMENT TO MY CREDIT REPORT PLEASE SEE ATTACHED PAID UP LETTER FOR THE LAST AND SCREEN SHOTS I TOOK TODAY FROM MY CREDIT REPORT DATED THE SECOND OF MARCH AND MY CREDIT REPORT TELL ME WHAT HAVE YOU RECTIFIED OR UPDATED WHEN THIS ACCOUNT IT WAS LAST UPDATED BY YOUR SELFS ON THE 28TH FEB WHEN YOU HAVE A PAID UP LETTER TO CLOSE THIS ACCOUNT YET YOU DO NOT CLOSE. I HAVE BEEN COMPLAINING SINCE LAST YEAR OCTOBER THIS IS UNFAIR AND UNPROFESSIONAL OF YOU. PLEASE RECTIFY OR ELSE GET ME YOUR SENIOR I AM WRITING TO THE NATIONAL CONSUMER COMMISSION WILL COPY YOU ON THE Mails AND WILL WRITE A HELLO PETTER COMPLAINT FOR THE 9TH TIME NOW KIND REGARDS THABANG KOLA
53 replies
Review Distribution
5 Star
0 (0%)
4 Star
0 (0%)
3 Star
0 (0%)
2 Star
0 (0%)
1 Star
48 (100%)