I am reporting this crime on behalf of our employee, PT Maretlwa. He is a gardener who earns R2100 a month and got credit approval from Joshua Doore to buy a music system worth R3640 (excl VAT). The full amount repayable over 24 months, totals R9591.48 with monthly installments of R400. Firstly, how could JD approve such an amount if the monthly repayments are 19% of his salary (must live off R1600 after debit order). Secondly, he is unschooled and was informed by sales person "860340" that he had to have comprehensive life and product insurance totalling R2267.31 (24 months) of the R9591.48. Optional club Fee charge and and "Initial discounted Service Fee" charges amount to R1419.60 also over 24 months! What are these charges??? When I spoke to the branch manager "Lala" I was shocked firstly by her aggressive attitude and then her argument that the customer "selected this item because he wanted it" and that she didn't force him to sign this agreement. According to her, their call centre approved him for credit but she couldn't explain gthe criteria to me. Please can someone explain to me how this can be lawful?
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