Will I get a refund?
I laybyed a couch back in March and due to unforeseen circumstances of financial problems I wasn't able to pay it off and my laybye has expired. Would they refund me or they don't do refunds? It was back in Jwaneng but I've relocated back to the village now and I haven't been able to go and enquire at the store. I called one day and they told me they will get back to me till now.
Update: They contacted me today, they said I should send you my bank statement and copy of ID so that they could refund me, since the call was logged from you.
Does this store have any idea how they should treat their customers? I don't think so.
I emailed their Head Office in South Africa when you first contacted me.
This particular chain of stores seems to have a policy that they offer support customers to in Botswana from South Africa and I have a problem with that. I think every South African company that wants to do business in Botswana needs to have an office and country manager here in Botswana. Dealing with problems across a border doesn't work, even in the age of electronic communications. We need someone here in Botswana who can take responsibility.
Eventually they said they'd help. But this latest update is crazy. Because I emailed them they now need you to send all the documents through me? Why on earth is that necessary? I don't need to see your bank statement and your ID. I can understand that they need this to verify your identity but you should make sure you blank out all of your transaction details. All they need to know is where you bank and that you can prove your identity. Nothing more.
Maybe it's their policy? Then they need a better policy. For a large fee I'll write it for them. I emailed them again and told them that their suggestion was "inappropriate and unreasonable". I've also sent you their email address so you can contact them directly.
How long will I be blacklisted?
Hello Mr Richard. Please help. How long does it take to be removed from a blacklist. It's been a year now. I paid a furniture store debt last year July and cleared. Where can I get help.
The first thing to understand is that there's no blacklist. Credit reference bureaus hold information on everyone who has borrowed money, whether from a bank, a lender or a furniture store. They don't just hold bad information but they record the good things too. That way, potential lenders can see the recent history of anyone who wants to borrow money from them. They can see who pays their debts and who has problems. They use that information to make rational decisions about who they lend money to.
In every case, when a debt is settled, they record that as well. It can take up to 30 days for them to do that but, most importantly, the record of the settled debt remains online for another 2 years. That's so potential lenders can decide if we're a good risk or a bad one.
The good news is that this information isn't secret. You can access your credit history at any time to see what information these companies hold on you. If they give you any arguments, just mention the Data Protection Act and they'll cooperate. If necessary, remind them that breaking the Data Protection Act can result in massive fines and prison time, or both.
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