DM
Danielle M
Active since Jul 2025
3
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Reviews
3 reviews9 months ago
Misled Into Debt Review by Ayanda – Cancelled in 3 Days, Still Damaged My Finances - Monica Rude and Dismissive After Legal Cancellation
Would give zero rating!!!! I was contacted by Ayanda from Debt Help (NCRDC4500) on 14 July 2025. He told me that they could reduce my interest rates by negotiating with my creditors. I asked him repeatedly whether this would affect my credit or ability to get finance. He assured me that it would not. At no point was I told this was official debt review. I signed based on his false explanation. Only later did I find out that this was in fact a formal debt review application — something I never would have agreed to if I had been told the truth. On 17 July, I was advised by my FNB private banker to cancel immediately, which I did — within the 5-day legal cooling-off period. I sent a formal cancellation email that same day. When I followed up, I spoke to a so-called portfolio manager named Monica, who was not only unfriendly and rude, but also refused to confirm or acknowledge the cancellation we had discussed. She claimed they needed to listen to call recordings first and avoided giving anything in writing. Shortly after, my credit was revoked, my FNB account was overdrawn, and my home loan structure was changed — all because they ignored a valid, legal cancellation. This has been a traumatic and financially damaging experience. I am now in contact with the National Credit Regulator and have formally disputed the listing with Experian. I strongly advise anyone reading this to avoid this company and its consultants. They are not to be trusted.
0 replies
9 months ago
Misled Into Debt Review by Ayanda – Cancelled in 3 Days, Still Damaged My Finances - Monica Rude and Dismissive After Legal Cancellation
Would give zero rating!!!! I was contacted by Ayanda from Debt Help (NCRDC4500) on 14 July 2025. He told me that they could reduce my interest rates by negotiating with my creditors. I asked him repeatedly whether this would affect my credit or ability to get finance. He assured me that it would not. At no point was I told this was official debt review. I signed based on his false explanation. Only later did I find out that this was in fact a formal debt review application — something I never would have agreed to if I had been told the truth. On 17 July, I was advised by my FNB private banker to cancel immediately, which I did — within the 5-day legal cooling-off period. I sent a formal cancellation email that same day. When I followed up, I spoke to a so-called portfolio manager named Monica, who was not only unfriendly and rude, but also refused to confirm or acknowledge the cancellation we had discussed. She claimed they needed to listen to call recordings first and avoided giving anything in writing. Shortly after, my credit was revoked, my FNB account was overdrawn, and my home loan structure was changed — all because they ignored a valid, legal cancellation. This has been a traumatic and financially damaging experience. I am now in contact with the National Credit Regulator and have formally disputed the listing with Experian. I strongly advise anyone reading this to avoid this company and its consultants. They are not to be trusted.
53 replies
9 months ago
Misled Into Debt Review – Cancelled in 3 Days, Still Damaged My Finances
Would give zero rating. I was approached by Debt Help (NCRDC4500) on the afternoon of 14 July 2025. The consultant told me they could reduce my interest rates. I was never told this was formal debt review. I signed the documents later that day, believing I was simply authorising negotiations with creditors. I only discovered the truth on 17 July, when my private banker at FNB explained that I had been misled and told me to cancel immediately — which I did, in writing. Despite cancelling within the legal 5-business-day cooling-off period, I was still listed under debt review with Experian. My credit was instantly cut off, my account was debited into overdraft, and our home loan was affected. I have not received any help from Debt Help — only excuses, delays, and avoidance. I’ve since submitted disputes with Experian and am lodging a complaint with the National Credit Regulator. If you're reading this, please think twice before trusting Debt Help. This experience has caused financial and emotional stress I wouldn’t wish on anyone.
0 replies
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