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I refer to a matter about a Debt Counsellor I left and
Good day. I refer to a matter about a Debt Counsellor I left and started Debt Counselling with another Debt Counsellor. The previous debt council overcharged me for debt review services. I paid R14,000.00 for debt review services. I use to make enquiry about the charges and it was explained tome that it is for legal services. On 2015/11/30 I paid R4,000.00 for debt review. On 2015/12/30 I paid R4,000.00 for legal services. And from January 2016 till April 2016 I paid R1,500.00 every month for legal services and the show on my distribution statements that I was paying O'Connor and associates for legal services. When asking other people who are also under debt counselling they said I am paying way to much for debt counselling. I got frustrated with trying to get an explanation froma lady called Robyn White that I decided to hand my complaint to the NCR. A lady called Pulane Kareli was the agent assigned to work with my complaint. She explained to me that she requested for documents including a Court Order from the National Debt Advisors and that she has to give the Debt Counsellor 40 days to submit the documents to her. During those 40 days I was asked by Robyn White to print the documents she forwarded to me full it in and hand it to Du Tiot, Louw and Both Inc. Attorneys for my Debt Counselling application that was in March 2016 and was issued with a Court Order 2017/03/23. That is when I realized that O'Connor never did any legal work not even a Court Order. After 40 days I called Pulane Kareli I was told that she is not working on my complaint anymore I can remember remember the gentle man assigned for the matter but every time I called him a lady called Paballo answered and said she is the person working on the complaint and it is at the legal department she is waiting for feedback. I called several times and every time she said that the complaint is still with the legal department. She then briefed me on what is on the complaint that is when I realized that the complaint is not like the way me and Pulane Kareli every thing is just not the way I complaint. I even told her that the Court Order was only done recently by Tu Tiot, Louw and Both Inc. She was very rude because her reply was the the Court Order including all legal services was done by O'Connor and associates "not that Du Tiot Louw and who ever I call them of mine". She forwarded me the decision made by the legal department which obviously didn't go in my favor because this Paballo of the NCR obviously did not work on my complaint. I complaint to one lady which I can not remember and she forwarded me a email showing that she forwarded the complaint to the supervisor of Paballo I can't remember both these lady but I can check for the emails we exchanged during that. From there I received a letter saying the matter if filed as been finilized. I understand that I am now with another Debt Counselling but I still feel that the money which I was charged extra for services not even done by National Debt Advisors and the legal department O'Connor and associates must be refunded to me. I still have the distribution statements PDA and the Court Order issued to me 2017/03/23 by Robyn White from DuTiot, Louw and Both Inc Attorneys if they are needed. The reason now I got hopeless when I the lady at NCR did the same thing as the NDA pretending not to understand what I am complaining about. Regards ***** ***** … read more
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If a Closed Corporation company (CC) enters into and signs
If a Closed Corporation company (CC) enters into and signs a contract with an individual, however the CC is in Deregistration Process is the contract valid because the CC was not in Business?… read more
JJ
JJ
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if an cerdit account was settled in 2005 with last and final
if an cerdit account was settled in 2005 with last and final payment,now in 2013 the bank took R2000,00 from my account without any notice.is this allowed and what can i do?… read more
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My wife and I signed an offer to purchase a property for R1220
My wife and I signed an offer to purchase a property for R1220 000 in Kimberley on 25 July and guarantees must be issued before 9 September. I was approved for a bond in the first week of August but d… read more
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I was retrenched in Jan 2012, having a loan at Nedbank. The
I was retrenched in Jan 2012, having a loan at Nedbank. The loan had an Insurance for cases of retrenchment which was duly approved and I was notified that the insurance will pay the bank six instalme… read more
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Hi There. My wife made an interdict against me. We both live
Hi There. My wife made an interdict against me. We both live in Bloemfontein. On Friday last week she fled with my child to Vryburg and made an interdict against which her mother forced her to do. To … read more
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Good day, How does the consumer act, protect me? I am under
Good day, How does the consumer act, protect me? I am under debit review and have over the last four years paid my debit off (and more) than what i owed four years ago. Yet the blances with the credit… read more
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Hi there, My mom has been on debt review since 2008. She has
Hi there, My mom has been on debt review since 2008. She has missed 1 payment in Jan 2009. The bank says her home was bought in by the bank for R 200 000 but the valuation amount was R 550000. The hou… read more
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Hello, my ex-husband bought our son a car in 2006 which was
Hello, my ex-husband bought our son a car in 2006 which was registered in my ex-husband's name although for the sole purpose of my son to keep and use. My ex-husband got married and his new wife neede… read more
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I bought a car at a second hand dealer in Bloemfontein on the
I bought a car at a second hand dealer in Bloemfontein on the 6th of July 2011. Before we bought the car we asked the dealer whether the car was in an accident. He denied having any knowledge and said… read more
Mike Otis
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I received a final notice send by Creditworx, Bloemfontein,
I received a final notice send by Creditworx, Bloemfontein, stating that I owe the Department of Education Free State an amount of money. After calling the department they stated that I was re-employe… read more
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Hi Johan My husband died in a car accident in December 2007.
Hi Johan My husband died in a car accident in December 2007. We were married with the 'old' type of ANC, he had no assets as he had come to SA from Romania in 2001. At the time of his death he had R7,… read more
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In July 2010 I applied for debt counselling and the bank put
In July 2010 I applied for debt counselling and the bank put a default listing, showing my account as handed over, on one of the credit bureaus. In September 2010 I cancelled the debt counselling. My … read more
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This is the first time this has ever happened to me. I am a
This is the first time this has ever happened to me. I am a realtor and the problem is this. I introduced a tenant to a property gave access for him to view the property. Then the prospective tenant c… read more
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Dear Sir. Madam Shortly, I am (have been) under Debt counseling
Dear Sir. Madam Shortly, I am (have been) under Debt counseling since 2008 roundabout Nov. They are known as "New Culture Africa" (Reg 1999/015685/06) in Pretoria. I paid the debt counselor fees as we… read more
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Hi, I am a South African citizen living abroad since Dec 2005.
Hi, I am a South African citizen living abroad since Dec 2005. Prior to this, in South Africa, I had a credit card from a well-known company, the balance of which was fully paid in August 2006, at one… read more
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I am presently under debt review As part thereof is monthly
I am presently under "debt review" As part thereof is monthly installment on my monthly installment on my vehicle finance .Last November 2009 my debt councilor forwarded an letter to Wesbank requestin… read more
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I bought a converted Toyota Quantum ( PAnel Van )from Imperial
I bought a converted Toyota Quantum ( PAnel Van )from Imperial Toyota in Kempton Park in 2006 to use it as a Taxi. The past three years I never experience any problem till this year 2010 when I was un… read more
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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