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Vero M
Active since Jun 2019
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9 reviews5 months ago
HomeChoice Account Settled
I hope this message finds you well. I am writing to formally raise a concern regarding my HomeChoice account, which I settled in full on or around 22 September. Despite the account being settled, it is still reflecting as outstanding on my credit profile. This incorrect listing is currently affecting my financial standing and has resulted in me being declined for an advance on the FinChoice app, which indicates that I still owe HomeChoice. This is both inaccurate and highly inconvenient, as it negatively impacts my credit score and limits my access to financial services. I would like to understand: Why my settled account has not been updated with the Credit Bureau(s) Why it is still reflecting as unpaid on systems linked to FinChoice When this matter will be urgently corrected I kindly request that HomeChoice: Immediately update my account status to “Settled” with all relevant credit bureaus Provide written confirmation once this has been done Advise if any further documentation is required from my side to resolve this matter without delay Please note that continued incorrect reporting of a settled account is prejudicial and may warrant escalation if not resolved promptly. I trust this matter will receive your urgent attention, as it is directly affecting my financial freedom and credit reputation. I look forward to your prompt response. Kind regards,
1 reply
6 months ago
Formal Dispute: Incorrect Credit Reporting After Account Settlement
ChatGPT Upgrade to Go You said: I settled my account on the 27 September 2025 and paid directly to homechoice via eft got my settlement letter as the attorney company contact me and informed me that they is an outstanding amount I need to pay as the account was handed over the money was debited on the 23 November and was provided with a settlement letter on the 24 however to this date home choice says I owe them and my account is in areas as I called finchoice wanting to active my mobi money I was declined due to that fact. I have the same problem with finchoice and the matter was settled and now it finchoice like until when will my credit profile be impected by the unprofessional menner in which the company does this. it ruining my credit profile and preventing me from getting credit pls help and correct the. the settlement letter was through dmc (debt management) and a settlement letter issue what else is needed from me ChatGPT said: I’m really sorry you’re going through this. What you’re describing is not acceptable, and you are not at fault if you have a valid settlement letter and proof of payment. Let’s deal with this step by step, calmly and correctly, so you can protect your credit profile. 🔴 What the situation means (in simple terms) You paid the settlement (EFT) You received a settlement letter from DMC (Debt Management Company) Payment was debited on 23 November Settlement letter issued 24 November HomeChoice is still reflecting the account as in arrears This is now blocking FinChoice / MobiMoney The same issue already happened with FinChoice, even after settlement 👉 This is an administrative and legal failure by the credit providers, not you. ✅ What is legally required from YOU (and you already have it) You only need three things, which you already have: Proof of payment (EFT confirmation) Settlement letter (VERY IMPORTANT – this is legal proof) Reference number used for payment 👉 Nothing else is required from you. Once a settlement letter is issued, the account must be updated to “PAID / SETTLED”. 🚨 What HomeChoice and FinChoice are doing WRONG Under the National Credit Act (NCA): A credit provider must update your account within 7–21 business days They must update all credit bureaus They may NOT continue reporting arrears after settlement This is considered reckless / negligent credit reporting What they are doing is damaging your credit profile ********ly. 🛠️ ACTION PLAN – Do this in order STEP 1: Send a FORMAL WRITTEN DISPUTE (Very important) Do NOT rely on phone calls anymore. Send this email to: HomeChoice Credit Department FinChoice Disputes / Legal Department Attach DMC if possible I’ll draft it for you 👇 You can copy & paste: 📧 FORMAL CREDIT DISPUTE EMAIL Subject: URGENT: Incorrect Credit Reporting After Settlement – Account Paid in Full Dear Sir/Madam, I hereby formally dispute the incorrect reporting of my account, which reflects as being in arrears despite full settlement. Please note the following: • The account was settled via EFT on 23 November 2025 • A settlement letter was issued on 24 November 2025 by DMC (Debt Management Company) • Proof of payment and settlement letter are attached Despite this, my account still reflects as outstanding, which has directly resulted in declined credit applications and damage to my credit profile. This is in contravention of the National Credit Act, which requires credit providers to update accounts and credit bureaus accurately after settlement. I hereby demand that: My account be updated to PAID / SETTLED immediately All credit bureaus be corrected without delay Written confirmation be provided within 7 business days Failure to resolve this matter will leave me with no option but to escalate the issue to the National Credit Regulator (NCR) and the Credit Ombud. Kind regards, [Your Full Name] ID Number: Account Number: Contact Details: STEP 2: Dispute directly with CREDIT BUREAUS (Very powerful) You must also dispute with: TransUnion Experian Compuscan XDS Upload: ✔ Settlement letter ✔ Proof of payment ✔ ID copy They are legally required to investigate within 20 business days. STEP 3: Escalate if not fixed (THIS GETS RESULTS) If HomeChoice or FinChoice delay or ignore you: 🔹 National Credit Regulator (NCR) You can lodge a complaint for incorrect credit reporting 🔹 Credit Ombud South Africa They specifically deal with cases like yours and often force corrections This step alone usually fixes everything fast. 🧠 Important reassurance (please read) You did everything right A settlement letter is final and legally binding They cannot keep punishing you for their internal admin failure This is not permanent damage — it can and will be corrected ❤️ Masego, I know this is exhausting Given everything you’ve already endured emotionally and financially, this feels unfair — and it is. But this is fixable, and you are not powerless here. If you want, I can: Help you draft a complaint to the NCR Help you dispute with credit bureaus step by step Review your settlement letter wording to ensure it’s airtight Just tell me 💛 You said: pls make it a letter to finchoice ChatGPT said: Of course. Here is a clear, firm, and professional formal letter you can send directly to FinChoice. You can copy and paste it as is, or I can adjust the tone if you want it softer or more legal-strong. FORMAL LETTER TO FINCHOICE Your Full Name: ID Number: FinChoice Account Number: Contact Number: Email Address: Date: To: FinChoice – Credit Disputes / Legal Department Subject: Formal Dispute: Incorrect Credit Reporting After Account Settlement Dear Sir/Madam, I hereby formally dispute the incorrect reporting of my FinChoice account, which is currently reflected as being in arrears despite the account having been settled in full. Please note the following facts: The account was settled via EFT on 23 November 2025 A settlement letter was issued on 24 November 2025 The settlement was facilitated through DMC (Debt Management Company) Proof of payment and the settlement letter are available and can be provided upon request Despite this, my account continues to reflect as outstanding, which has resulted in declined access to FinChoice services, including MobiMoney, and has caused ongoing damage to my credit profile. This matter is causing me significant financial prejudice and is in contravention of the National Credit Act, which requires credit providers to ensure accurate and timely updating of consumer credit records once an account has been settled. I hereby formally request that FinChoice: Immediately update my account status to PAID / SETTLED Correct all adverse listings with all registered credit bureaus Provide me with written confirmation once the correction has been completed Should this matter not be resolved within 7 business days, I will have no alternative but to escalate the issue to the National Credit Regulator (NCR) and the Credit Ombud of South Africa for further intervention. I trust that FinChoice will treat this matter with the urgency it deserves and resolve it without further delay. Yours faithfully,
1 reply
11 months ago
Excellent Customer Service and Efficiency
Thank You to Standard Bank Funeral Policy My name is Tinyiko Mashaba, and I would like to take this opportunity to sincerely thank Standard Bank Funeral Policy for their professionalism and excellent service during a very difficult time in my life. When my mother passed away, the process of claiming was made so much easier by the incredible support and efficiency of your team. Your compassionate and professional approach truly stood out and made a significant impact on me. I am deeply grateful for the way you handled everything with such care and excellence. Thank you once again for making this experience a little lighter through your outstanding service. Am not sure on the name of the people that helped but would like them to be recognised and sent my appreciation . Warm regards, Tinyiko Mashaba
1 reply
16 months ago
Stop giving Companies for the shakes of making money .
You give contracts to companies that dont care about you brand Sadv has the worst or nit horrible services .unprofessional staff and bad services with no mean of contact besides automated response or email .
2 replies
16 months ago
Poor and unprofessional staff
Took the R399 package with this contractor for vumatel .Everyday before paying i would get reminder to pay until i ended up making the payment on the 23 January. They came and installed it last weekend, and they was no internet on the router after installation and i was never sent log in for my router .contacted the agent that helped when i took it up in Diepkloof branch she said no don't worry they will help u the turn around time it 24hr today is Friday no assistance what so ever to this day i still dont have connection and the reason for taking on this vuma was because i had started to work from home .the money oli had to waste busy buying data so i can work am so angry. The services is bery poor and its hard to get assisted been sending massages from sund only yersterday the responded and still told me that they are still waiting for feedback like how from who is i need my fibre fixed thats all .
0 replies
28 months ago
Bad service and poor customer services
Bad service and poor customer services .we to bank city home affairs .we had to wait for 2hours while they busy said they were off line and never even addresseed us we had to wait in line why is the branch manager not communicating with It to know when will it be back on line .Imagine a whole home affirs is off line on monday what is our minister doing we are taking leave making appointments on line to just sit and not get assisted .
1 reply
28 months ago
Bad customer services and taking advantage
I bought a generator from homechoice last year as i was working from home .The generator couldn't light other appliances beside the desktop that wasn't much of a problem until it just blasted and stopped working. Called home choice and the sent for the reture for the generator ..waited for a week for the collection called homechoice and asked if it will be collected and they thought it was collected and i told then no one came .then the lady told me that she will make sure that its collect today because a Gp list confirmed that it shhould be delivered. A guy called after an hour to vollect the generators. After collection i waited for a week with no sms stating that they have the generator .called them october to find out whats happening they said they dont have it it can take a month before they have it from the courier given it big .I kept on calling until november home choice saying they have no feed back for me i went to my phone and called the courier guy and they said it was with them and will deliver to home choice .called home choice more the 40 times from october to this day and notes on there system was only captured from the 4th of december .called homechoice and informed them of y findings since they could not give me answer , they always said they is no record on the gp list and mybe its at the warehouse to this day i havent gotten feedback .the courire said on december that the generator was now at the homechoice warehouse and home choice says they dont have any record now am expected to pay while home choice says they dont know who is suppose to do the admin me ? Email lady by the name Elise Veldsman who sent and email to me december already telling me they are on my case but have further sent communication witth no response from her .have sent an email recently to there ***** department with no response , i last month went to the walk in at Ghandi square and they promised a response to this day from October to date my Generator is no where to be found because clearly my Generator is ****** and its an inside job either from the courier or Homechoice because no one is giving me answer and am expected to pay my credit record is being damaged at the same time .I was unconvinced as i had to go back to the office living my twins who were only one year having to go back to the office and i had just lost family in September this really broke me in so many ways my kids were not ready and i wasnt ready finanicial because the money i used to transport its the same money that i was paying for the genator .who should give me answer what is the delivery department not keeping records and recordkng info on the gp list is it my fault that no one is giving me answers .Imagine if i never had excess yo a land line and i was poor because really home choice really hurt me badly honestly the professionalism and hanging up of phones .to not know where the generators is for a big company like homechoice am dissapointed i have been with home choice for years and this is a first am shock and disappointed.
1 reply
35 months ago
Excellent customer Service
I would like to thank Sipho the manager at different life for the assistance i got , it was after hours but made sure that they assist me .He was very friendly and helful , even the agent ghat was assigned to assist me was very kind and understanding. They all went and extra mile a true representative of ubuntu as i have just lost my mom .thank you sipho and staff .
1 reply
70 months ago
Bad quality products bought
am so disappointed as I always buy Beefmaster bones from ur company. The disappointment I got as the quality of the beef master was not pleasing at all on the 3 August , it was packed with off cuts that didn't match the quality tht is always adhered to by ur company the size and mixing of different types of animals bones and a lot tht were so clean not even a dog would eat. I hv lost customers due to the inconsistency of the quality sold by u. I prefer beef Master and has no problem paying the amount I do as it was the best quality. I am so disappointed and angry and had to pay the hard way by lossing clients imagine 15 20KG that was full of nothing inside but false advertising as the outside looked good while inside was nothing as i had 10kg that was something and the other 10 tht had to be thrown as they was nothing not even broth.
0 replies
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5 Star
2 (22.22222222222222%)
4 Star
0 (0%)
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1 Star
7 (77.77777777777777%)