The Voice - Consumer's Voice

Must I pay so much?

I'm a government employee having a loan which is currently deducting P12,000 monthly, but when I sought for a settlement its even higher than the loan balance. I'm currently going through a rough phase of life, I just wanted a resolution. Can't they help me with installment reduction or revisit they way they calculate their installments?

My loan balance sits at P607,000 and the settlement was estimated to P649,000. I started the loan in 2022 and I cleared a bank loan of P249k with it. I took topups in between and now I'm struggling.

Mainly I really need their help with installment reduction to P2,500 so I can care for my child and be able to pay rent I've sent them a message on Facebook and pleaded with humbleness that they help me.

They said that I should go to the nearest branch and meet the manager. When I got there I laid my case. The manager told me the loan needs restructuring but by the look of things I have to pay P30,000 to reduce the loan balance to be able to be helped with restructuring. Please sir help me communicate with them please concerning this I'm really going through a lot.

Unfortunately there's no goods news I can offer you. No lender would ever consider dropping the monthly instalments from P12,000 to P2,500 for one simple reason. It would take more than 20 years to repay a loan of P607,000 with monthly payments of P2,500. And that's if there are no problems, defaults or delays. They'll never agree to that. They want their money in the next 4 years, the time you agreed with them.

Meanwhile I understand that your situation is desperate. I'll send you details of a trusted debt counsellor who you must go and see. They'll do their best to restructure your debts in a way you can afford.

They sold me a worn out car!

I'm so stressed and I need your help. I bought a car in Durban sometimes in December. I managed to collect the car this week but the car is worn out. I spoke to those who I was buying the car from back in Durban. Now they are so reluctant to help yet they gave me a car which I think was involved in some accidents. There are a number of faults in it. The radio requires a code but they know nothing about it. It was their duty to check if everything was ok before loading the car n communicate if the condition of the car was not okay.

I paid them a deposit and had to pay the remaining balance of P15,000 to an account they gave me, it is a Botswana account. They sent an invoice through WhatsApp. The receipt was written low amount because they claimed that if they wrote the exact amount, BURS was going to charge me a lot.

Is there any help I can get?

There are several problems here. Firstly, you have a cross-border complication. Who do you complain to? The consumer protection authorities in South Africa or here in Botswana? If you need to buy a car from overseas it's always worth going through an agent based here in Botswana so you have someone who will take responsibility here, not in another country if there's a problem.

There is a slight hope because you paid some of the money to an account here. Whose account was it?

Finally, and perhaps the most worrying thing is BURS. If you and the seller knowing falsified documents about the value of the vehicle, you need to confess to BURS immediately. They're much more likely to be forgiving if you confess before they catch you. I suggest you call them as soon as possible and ask for their help.

The Voice - Consumer's Voice

They burned me!

Please I need your help. In September I went to a store to buy a chemical which unblocks the drain. Unfortunately when the manager was still explaining how it works it spilled on my hand and leg and burnt my dress.

I then went to the hospital and went back to the shop. I was told that they have a disclaimer that if anything happens to the customer they can't do anything. I had submitted a medical report and now have permanent scars but still they are just quiet. When I asked about the SHE officer the manager told me that they don't have one.

Please I need your help how to deal with this issue. Thank you.

This is unacceptable in so many different ways.

Firstly, how careless were they if they spilled something that dangerous over you? They urgently need to train their staff much better on safety and health issues. When consumers visit any store that sells dangerous products, we deserve assurance that we'll be safe. They also need to assure their staff that the risks they face are minimised.

Secondly, they need to take responsibility for their mistake. You sent me pictures of the burns you suffered and they look extremely painful. They need to stop ignoring you, take responsibility for their mistake and help you.

I'll contact their senior managers and encourage them to take responsibility and to contact you. I'll also suggest they need to review their standards and policies to make sure that mistakes like this don't happen again.

They took a year!

Hello, Richard! I bought a TV in 2024 October. In November the TV started giving me problems and I reported it. Thereafter the store promised to come and collect the TV for a whole year failing to collect. Finally they collected the TV in October 2025 and up to today its not returned. When I enquire its story after story. I am still paying for the goods but they are with them.

I have exhausted all the right channels. I escalated the matter to the manager and regional manager but still no help. I am always met with empty promises of receiving the TV. Is it possible I can get my money back since they have not fulfilled their contractual obligations and they keep their TV?

How can it take so long to respond to a complaint about a faulty item? An entire year? What were they doing for so long? I wonder if they understand that Section 14 of the Consumer Protection Act says that when "a supplier undertakes to perform any services for or on behalf of a consumer, the consumer has a right to … timely performance and completion of those services (and) timely notice of any unavoidable delay". It doesn't say what "timely" means, but we all know that it doesn't mean 365 days.

It's also very important that senior people at this company understand that it was THEIR fault that there was a delay, not yours. We don't want them to suggest that we're now outside the warranty period.

I've emailed the most senior people and I'm sure they'll take the matter seriously.