Saturday, 12 November 2022

The Voice - Consumer's Voice

Should they have sold them?

I bought solar panels from this shop and unfortunately left them at the shop because of transport logistics. We had planned on collecting same day but when we got there our car was too small. I went to Gaborone to collect only to be told the panels have been sold and I was told to wait a week for the shipment that was expected a week later. Today I went back to collect and I was told they do not have the panels still. Now am offered back the money with 12% cut or am offered better panels and I have to top up the money to get an extra 2 panels.

Is that how it is supposed to happen when I didn't cancel my order? Are they not supposed to fully refund me if they can't provide the goods? I have collected all the other things

I just thought if they wanted to sell they could have communicated. Why didn't they communicate when selling?

When I first read your message I was shocked. Shocked by how unreasonable these people are. You spent a lot of money with them and they sold a major part of your purchase before you could return with suitable transport? That's wrong in so many ways. I was ready to contact them and tell them how terribly they've treated you.

Until I asked a question. I asked how long it was between you buying the goods and returning to collect them. You told me "about 3 months".

I had assumed it was a matter of hours, perhaps even a day or two. Now I think the problem is more complicated. I still think the store was wrong to sell the solar panels without calling you. That was rude of them. I've seen your receipt and it has your cell number on it. There's no reason for them not to call and ask what you were planning to do.

However, I also think you put them in a difficult position too. You bought an item and then disappeared. For three months you didn't contact them. They stored your goods for you for much longer than was reasonable to expect and like most companies, they'll expect to be paid for that, certainly if it was for so long and wasn't agreed in advance. I suspect, given the situation, that their offer to refund you minus a fee, or to sell you newer, better equipment is reasonable.

Is this scheme legit?

I'm writing to make enquires about the running of unregistered motshelo scheme. I am one of the members. We're charged 10% interest when borrowing money.

I borrowed P4,300 back in July 2021 and then my employer closed his company during Covid-19 lockdown. I didn't manage to payback anything until when I got another job in May 2022. On the 22nd July 2022 I said I was ready to settle my debt. They said the money had accumulated and that in January this year it was P8,000. I paid P9,040 because I wanted to increase my contribution so that by December I should get a better amount PLUS my interest.

To my surprise they're saying I still owe a balance of P7,000+. According to my calculations I have paid more than I was supposed to. I must say I deeply regret the choices I made I just thought we were ladies from the same village. Now I need answers as to why exactly are they demanding some more money when I already paid.

I contacted NBFIRA and they told me that it's an illegal scheme and my interest shouldn't exceed the money borrowed. I need a second opinion from you Sir.

My second opinion is exactly the same as the first opinion you received from NBFIRA. This a very shady motshelo scheme. Firstly, the numbers are staggering. You borrowed P4,300 and you've paid back at least twice that amount. And now they want you to back almost double again? That's not acceptable. 

I think you should go back to NBFIRA and this time, don't just ask for their opinion, instead you should submit a formal complaint and ask them to investigate and get this scheme to behave itself. NBFIRA have the power and I know they have the capacity and will-power to use it.

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