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New owner Retailability announced the scrapping of the option and then, weeks later, in the face of a huge outcry from account holders, changed its mind and the six-month free plan would be maintained, after all.

That was in early October, but quite a few account holders have since complained to TimesLIVE of being charged interest on their accounts. Karthiga paid R1, for a branded hoodie for her daughter online on a Black Friday sale. No can do, the company said: the product is discontinued, and their Black Friday terms and conditions don't allow refunds, only exchanges or a voucher. The Electronic Communications and Transactions Act ECTA allows you to return an item within seven days of delivery for a refund, minus the courier cost of returning it to them, though the bigger e-tailers do not pass this cost on to their customers as a service.

You simply get to change your mind and send it back - a perk you don't get when you buy something in a store. And that perk applies whether the product was on sale or not. If that were not the case, all online companies would have to do to avoid the send-backs is claim that their entire stock was on a permanent sale. She returned it within 45 minutes but was denied a refund or exchange, because, the company said, it had specified that in its online Ts and Cs. If you lose your ID book, or it is stolen, registering it with SAFPS means that they will enter the document's details on their Protective Registration database to inform their members - banks and other credit providers - that your identity has been compromised and that they should take extra care when confirming your identity for loan or account applications.

To get on to that register, call or e-mail protection safps. The policy and disclosure notice gives details on when and how the benefits may be claimed and by whom and it explains how lost card protection works. You have not been forced to do so and may reject the offer. Interest may be charged on the fee, if applicable, and will be levied as per clause We retain the interest. Your monthly statement Statements will show the following information for each Plan at statement date - If you do not do so, we will hold you liable for all charges appearing on your statement.

You can always obtain information about your Account and payment obligations from customer services, on our website, or from any of our stores. Paying your Account The payment method you choose is at your risk, and we will only consider a payment as properly made when we receive and credit it to your Account. You need to complete the debit order section in the application form, or a separate debit order instruction, or you can speak to customer services to arrange a debit order.

You will be bound to the following terms and conditions: The cancellation of the debit order instruction will not cancel your Agreement with us.

Interest rates and finance charges that we may charge you We may charge the maximum rate as prescribed by the Act. We will advise you of any change to Your Rate by a notice on your monthly statement within 30 thirty days of a change. The interest is added to your outstanding balance. If you are paying by debit order, this arrear interest will be collected with the monthly debit order. Legal and other Costs that you may have to pay We may also hand your Account over to Attorneys or debt collectors, and you will be liable for their costs in full.

These costs will be charged to your Account. Ending your Agreement with us If you fail to pay your Account or comply with these Terms We will notify you of such a change by mail or electronically. You will not be allowed to purchase on your Account while under Debt Review. Proof of your indebtedness to us A certificate signed by any of our managers whose appointment and authority need not be proved in which the amount of your indebtedness to us and Your Rate is stated, will be accepted as sufficient proof of your indebtedness in any legal proceedings and will be regarded as correct unless you prove that the amount or Your Rate is incorrect.

We can however choose to institute action against you in any other court having jurisdiction. Waiving our rights If for any reason or purpose whatsoever, we do not immediately enforce or implement any of our rights in terms of this Agreement, it does not mean that we have abandoned, given up or waived any of those rights.

How we may process your Personal Information We advise you that we may process your PI in the following ways: By opening an Account with us, you consent to us processing your PI, and you waive any rights or claims that you may have against us relating to the provision of PI by or to us in terms of this Agreement.

We will only keep your PI for as long as we need to or have to by law. In such an event the third party will then process your PI. You may update your PI at any time by calling customer services. How to add comment : 1 Type your comment below.

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