unathorise debt order

Public Alert to Fellow South Africans – My Experience with RS Financial Services I would like to alert fellow South Africans who may be in a similar financial position, especially those struggling with affordability of debt and considering debt remediation instead of debt review. I was in contact with RS Financial Services, where the consultants explained that my debt interest would be reduced, allowing me enough money to survive while remaining in good credit standing. This initially gave me relief, as I believed their assistance would help me manage my finances better. However, while the process was ongoing, I continued to research the company’s legitimacy and came across several concerning reviews on HelloPeter. This made me uncertain about proceeding. I was asked to complete forms and submit three months’ bank statements and a copy of my ID, but due to multiple commitments and my growing doubts, I did not complete the application nor submit the required documents. I was also not sure that I wanted to proceed with debt remediation. Despite this, on 15 December, an amount of R2,500 was debited from my bank account by RS Financial Services, allegedly as an instalment towards my debts. This came as a shock, as no contract had been signed, and my application was incomplete. I immediately contacted the consultant handling my account to query the debit. I was informed that my matter had been escalated. Since then, I have been given the runaround. I have continued paying my creditors directly, yet the R2,500 was still debited, and to date I have not received a clear explanation of where the money went. I have repeatedly requested a refund of the R2,500, but no positive feedback has been provided. Even the consultant advised that she is still awaiting feedback from the finance department. I have been following up for a long time, including requesting Franzelle to assist with the refund, without success. I want to make it clear that I do not owe RS Financial Services, I did not sign a contract with them, and I am not intending to do business with them in the future. Unfortunately, the relationship started on the wrong foot, and my trust has been broken. Please, fellow consumers, do thorough research and be cautious so that you are not put in a similar situation.