Bilqees Salie is planning to close her account at Edgars af0er the chain implemented a service fee, even on the six-month interest-free one which she has. The Kenwyn woman said she asked Edgars why they didn’t tell her and she was advised that the notice was added to her December 15 statement. It said in small print: “Our credit agreement and the National Credit Act (NCA) allow for a service fee to be charged in respect of all credit agreements. From January 2016, we will charge a monthly service fee of R22.80 on accounts with a debit balance due to increased account keeping costs, where our credit agreement and the NCA allow therefore.”“Are they allowed to do this?” Ms Salie asked. “Are they allowed to give a month’s notice and in the small print? Are they acting in accordance with the NCA? I would have assumed they should advise us in the subject line of the email. I spoke to some friends and family and many were unaware of the charge and others thought it did not apply to them as they have a six-month interest-free account. Some have already closed their Edgars accounts because of this charge. I would like Edgars to reverse these charges and I will gladly settle my account. If the NCA allows for this daylight robbery I want to know and close my account as soon as possible to avoid further charges,” said Ms Salie adding, “it was not the first time I’ve had a problem with Edgars.”“Not too long ago I went to return an item and was advised that they would not credit my account, but instead give me a cash voucher. I asked why I was expected to pay Edgars for the item on my account and then be forced to spend the same amount in store with the cash voucher? I was then shown a huge sign in the store with amended terms and conditions. I told them this was not communicated to clients and that the sign was not there when I made my purchase. My account was credited and soon after that the signs disappeared from all stores,” she said. An Edcon spokesperson, said: “Having taken into consideration the rising costs to provide unsecured credit to our customers, both Edcon and the credit provider, Absa have regrettably been compelled to amend our credit agreements to introduce a monthly service fee on our credit accounts. The NCA (Act No. 34 of 2005 Section 101(1)(c)) allows credit providers to charge monthly service fees of up to a maximum of R60. Although these fees were waived by Edcon in the past, it has unfortunately now become necessary to charge a small fee of R22.80, which is well below the prescribed maximum. “Edcon has given our customers 30 days’ notice of the change to their existing credit agreement, which we started implementing from July 4, this year.” Nthupang Magolego, senior legal advisor at the National Credit Regulator (NCR), said the NCA (Section 104) specifically states that a credit provider cannot unilaterally increase a service fee charged under a credit agreement. If Edgars did not charge a service fee at the inception of the credit agreement, they cannot just unilaterally give notice to charge or increase it, from R0 to R22.80.“But,” said Edcon, “In line with the NCA, we did not unilaterally introduce service fees on pre-existing credit agreements. All credit agreements concluded from October 2012 already provide for the charging of a service fee, which the credit provider could decide to waive in full or in part at its discretion. In respect of credit agreements concluded before October 2012, clients were notified and requested to agree to an amendment of the credit agreements to include a service fee.” Ms Salie said she will be closing her account as she kept it open in the hopes of being refunded. But if Edcon didn’t charge a service fee then Ms Salie may get a refund. However, I wouldn’t hold my breath.
It was bound to come back at some point, but Manchester United are apparently interested in Paulo Dybala once more. The Argentine forward endured a rather disappointing season last year under Max Allegri, perhaps suffering the most out of everyone from Cristiano Ronaldo’s transfer to the Allianz Stadium.This led to him being seen as expendable by certain members of the media, with a profit possibly to be made by the Serie A champions.That’s why the rumours started flying, and with few clubs in the world capable of affording him, Manchester United were inevitably mentioned.There was a brief spell when it was quite a big story, only for it to disappear relatively quickly when everyone realised no movement was taking place.However, Gazzetta dello Sport bring it back, reporting the Red Devils have ‘made contact’ with Juventus.Embed from Getty ImagesThere’s even mention of a possible tête-à-tête taking place between the two sides, after which the possibility of a concrete offer will be evaluated.For now, Gazzetta state the ‘track is open’ for something to take place.There’s is one massive hurdle, however, and that’s the fact Paulo Dybala, at least for now, wants to stay at Juventus.That’s because Maurizio Sarri is now at the helm, and with the former Chelsea manager is thinking about using the Argentine as a false nine, there’s certainly more chance for him than there was last year.Furthermore, down Manchester United’s end, this all depends on whether Inter ever find the funds to sign Romelu Lukaku, which is by no means a guarantee.This seems like a lot of effort, and we all know how the Red Devils tend to fare when they have big hurdles to overcome during the transfer period.The answer, if you were wondering, is not very well.by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksTrending TodayForge of Empires – Free Online GameIf You Like to Play, this City-Building Game is a Must Have.Forge of Empires – Free Online GameUndo聽多多 Hearmore.asia1969年前出生的香港居民現可免費試戴頂尖的歐洲助聽器聽多多 Hearmore.asiaUndoRaid: Shadow Legends | Free DownloadEven Non-Gamers Are Obsessed With This RPG Game (It’s Worth Installing!)Raid: Shadow Legends | Free DownloadUndoDating.comWhere do attractive singles meet in Tung Chung?Dating.comUndoKeto减肥1個簡單的妙招一夜「融化」腹部贅肉（今晚試試）Keto减肥UndoSmart Tech TrendOver 55? You Have to Try Those Revolutionary Glasses!Smart Tech TrendUndoSingles50Hong Kong: A 40+ Dating Site That Actually Works!Singles50UndoLoans | Search AdsNeed a loan? Search hereLoans | Search AdsUndoGeeks Reviews價格僅為HK$771 的便携自拍無人機正席捲香港Geeks ReviewsUndo