URGENT: Complaint against Pronto Finance Services (PFS) - Alleged Loan ****

Thatho Daniel Kholungoane ID: 84041459080809 107 Church Street Mount Ayliff 4735

02 February 2026 National Credit Regulator P.O. Box 209 Halfway House 1685

Dear Sir/Madam

I am writing to report a complaint against Pronto Finance Services (PFS) for what appears to be a blatant and predatory loan ****. On 26 January 2026, I app**** for a debt consolidation loan of R500,000 with PFS, seeking relief from financial distress. Instead, I was exploited and deceived by their ************ practices.

Despite being informed that my application was approved, and I would repay R7,291 monthly, PFS demanded various upfront fees, which I paid in good faith: R2,854 (admin fee) on 26 January 2026 R3,690 on 26 January 2026 R3,900 (counselling fee) on ? R2,394 (clearance fee) on 29 January 2026 R2,982 (clearance fee) on 29 January 2026 R2,394 on 1 February 2026 Total paid: R11,920

Shockingly, the loan was never disbursed, and PFS continues to demand payment. Their latest demand is R2,940.89, which I refused to pay. I believe PFS has engaged in reckless lending, contravened the National Credit Act, and perpetrated a cruel **** on vulnerable individuals like myself. Details: PFS contact: 021 0108977 Manager: 0736131196 Administrator: 0810075957 Email: info@pfsloanfinance.co.za

I attach proof of payments and communications. I implore the NCR to investigate PFS's conduct, take immediate action to protect consumers, and assist me in recovering my losses. I request: Urgent investigation into PFS's conduct Refund of R11,920 Cancellation of loan agreement Prosecution of PFS for alleged loan sharking and ****

Please contact me: 0728202347 / 0641911798 daniel.kholungoane@gmail.com

I trust the NCR will take this matter seriously and bring PFS to justice.

Sincerely Thatho Daniel Kholungoane