Loan Detector South Africa [LDSA]
reviews and complaints

This is the biggest scam to make easy money. Why dont they accept walk in clients. All telephonically fraud and the legal department in the same building.!

I applied for a loan online via these scammers and the agent called to confirm if I'm still interested and I said no when I had about all the charges. A month later R399 was deducted from my account and i reversed it. Now I'm being treated with legal action. For what? What exactly am I paying for?

I have cancelled the service and now I must paid suddenly the R1 200. Where must I get the money?

I am ANRIëTTE LEIPOLDT from Ceres .
In the beginning with Loan Detector SA, I have never hear from them till last Friday and said per SMS I am in Arrears by the company with R1 200.
I have have no Debit Order and suddenly have to pay in 24 hour because they will give me over to LEGAL COLLECTION.
Why now suddenly LOAN DETECTOR SA!.

Hi, this also happened to me, i also think its a scam. Please tell me after you didnt pay them what did they do? Did they put you on itc? Please reply so i know how serious to take this otherwise i can just delete the messages and ignore them! Please reply! Thank you

Good day.

Please inform us what to do because the same happened to me.

Thank you in advance.

Regards
Natasha
reception@bww.co.za
[protected]

This is a multi-million scam and I am tired of being the only one fighthing this! ive since been retrenched and have no income!
Seriously people, take some responsibility and take serious action! why dont we toy-toy and destroy property like the majority in sa do when they want to be heard? see my above comment and take serious action. I now have no income so will probably be legitatemately blacklisted, but the rest of you will be faced with this fraud when wanting to buy a home or a car some day!

Also in same boat. Spoke to Producer of Special Assignment who is interested in this story, as clearly a scam.Yet having reached out to all in similar situations (and know there are hundreds, if not thousands), have only had about 20 or so people respond. This is a massively highly corrupt and illegal institution, yet if people dont want to come forward to expose them, they are going to continue making millions by scamming unsuspecting victims. Although I have a job where often work 12 hour days, and honestly dont have the time to take them on, one on one, was hoping that the masses would respond to my appeal for their experiences, and would be able to expose them via the media... You can contact sharonsbw1@gmail.com. Ive been in contact with producer of Special Assisgnment months ago, yet went cold due to lack of response. Could try to revitalise story, but need enough people who have been scammed to come forward.

I also just received an email thanking me for 'purchasing a package". I am not going to pay a cent. Why are they doing this? This is surely not an ethical business practice, is it?

Is an active case opened for reference when reporting?

Yes i think we should take this further, taking advantage of desperate people.

I totally agree with everything above, and I also experienced their rudeness and they actually have an attitude. I have also not even completed sending them all the documentation that apparently completes the loan application, but now have contracts with two places which are certainly linked to each other as I only filled in one form to one place. I too have had money removed from my account, and while the fine print is there, they also have a legal obligation to fulfil a service which I could do myself . The follow up is that you get debt councillors calling you until you want to go insane, and they harass you to a point of no return to complete the forms. They now want 2x R989.00 from me for cancelling the agreement. They swear that Loan Detector and Loan Quest have nothing to do with each other. Despite me only filling in one form, and not submitting the documents that they requested and calling them two days later to tell them that I do not need their service I can do it myself. They took R399.00 x 2 out of my bank. I suggest that we lay a charge of fraud at the police station. I am going to at lunch time. If nothing else at least they will not be able to defraud and insult anyone else the way that they did me.

Hi i tried to cancel too now they want a settlement fee of R549.00
Isn't there something we can do ?

HI The same happened to me. Within 7 days I tried to call them to say CANCELL anything as I kept getting spam sms from Debt counselling companies and they were driving me crazy with sms. I did not get any money and yet on 2 occasions they debited my account with R399 and now they threaten to blacklist me saying in their mail...If you do not pay within 24 hours then I will be blacklisted. Today I got another email saying. I regret to advise that unless payment is received by today this instruction will be processed in order to effect a summons against you and then proceed with blacklisting against your name. This will seriously affect your credit rating so I urge you to make payment immediately. Failure to make payment will result in punitive legal action against you. Now they ask for R1322.50. they have done NOTHING. Haven't given any funds. You apply online for a financial assistance as you already have NOTHING. This company is a FRAUD and must be shut down. Look all the complaints on Hello peter.com. If you call their office the unprofessional people laugh in your ears and shut the phone down in your ears.

im the victim of this company .and i hvnt recieve any of their service but they debit my money and send me threads emails and sms

I also received an email letter from this so-called company's attorney

IN RE: LOAN DISCOVERY //
YOURSELF

We have been instructed by our client, LOAN DISCOVERY to adress this letter to you.

It is our
instructions that:

1. You submitted an application for our clients’ 2
in 1 service package online via our client’s website, which includes telephonic
legal advice assistance plan
as well as a complimentary loan finding
service.
By submitting the application, you confirmed that you have read
and agreed to our client’s terms and conditions. The terms and conditions,
which is in plain and understandable language makes it very clear that the
amount of R399-00 will immediately become due and payable should your
application for our client’s services be accepted.

2. Your application for our client’s services was
accepted and accordingly the amount of R399 became due and payable.

3. In order to submit your application, and with
the purpose of bringing your attention to the following material terms and
conditions, you had to tick off a box with the following wording next to it:

“Yes, I hereby irrevocably agree to the policies
and procedures of Loan Discovery. This means that I have taken the time to
study and thoroughly understand the terms and conditions, Terms of use, Legal
Disclaimer and the Privacy Policy (collectively known as the policies). These
policies will form part of your consent and will form a binding digital mandate
and agreement between yourself (the applicant/client) and Loan Discovery and the
amount of R399-00 will immediately become due and payable should my application
for

Loan
Discovery

service package be accepted. If you agree to the policies, “tick” the box and click “submit
application”. If not, do not submit your application.”

4. If you submitted your application, you had to
tick off the abovementioned box, confirming that you have read and agreed

to our client’s policies (terms and conditions, terms of use, privacy
policy and legal disclaimer) AND that you are aware that the amount of R399-00

will immediately become due and payable should your application be
successful. If this was not over-transparent already, the application
furthermore states that you, the consumer, should not submit the application if
you do not accept our client’s policies and payment amounting to R399-00.

5. There are furthermore static notices on each and
every page of the website clearly stating our client’s services as well as the
price thereof.

6. In our opinion our client’s terms and conditions
are extremely transparent, and our client cannot be held responsible if you
have submitted an application which terms and conditions you failed and/or
neglected to read, and/or apply your mind to. The cooling off period (being
five days) referred to by the Consumer Protection Act only applies to direct
marketing, which is not relevant hereto. Our client has however implemented a
standard 7 day “cooling off” period in terms of which the consumer can cancel
the agreement, irrespective whether or not the agreement was concluded as a
result of direct marketing.

7. Assuming that your cellphone number and email
address above is correct, our client’s records indicate that you were in fact
duly notified that your application was successful and that the amount of
R399-00 be paid, and could you have exercised your right to cancel the
agreement within 7 days.

8. Our instructions are furthermore that our client
did not receive any notice of cancellation within the 7 day cooling off period,
and accordingly the amount of R399-00 is due and payable

9. Our instructions are furthermore that you have
submitted a Loan Application, but could same not be processed due to the fact
that you have failed and/or neglected to pay our client the amount of R399-00.
Should you pay same, our client will gladly assist you with their services as
indicated.

10. We wish to reiterate that our client’s terms
and conditions, which clearly state their services and the price (which is
indicated in bold in the terms and conditions) thereof, are transparent, plain
and understandable as required by the Consumer Protection Act.

11. You
furthermore consented to Attorney And Client Costs, which at this moment
amounts to:

Taking
Instructions
R114.00

Letter of
Demand
R36.48

TOTAL
R150.48

It is
furthermore our instruction to to demand from you, as we hereby do, immediate
payment of the sum of R399.00 (due to our client), which bring the total
outstanding to R549.48.

Unless the total amount of R 549.48 is
paid to our offices within 10 (TEN) DAYS from date of this letter, legal
action will follow, which will results in further legal cost and collection
commision.

Please note that all payments
are to be made to our offices at 49 Fairbairn street, Worcester, 6850,
alternatively in our trust account with the following details:

Bank.
FIRST NATIONAL BANK

Acc Name.

Esterhuyze Inc

Acc Number
[protected]

Branch Code.
200 407

HI how did you resolve this matter with them Im in the same situaltion now.

To all who have been caught by this unscrupulous company: REPPORT THEM TO THE FRAUD PREVENTION AT THE SAPS

I checked my bank account today just to find that they have taken R399 off my bank account ON 15 July 2013 without my permission. They rendered no service to me at all. they are refusing to refund me because I agreed to conditions when I logged into their website. Funny enough, they forwarded me the bank details to deposit the R399 to proceed with the application of my loan which I did not do as I was surprised at this kind of conditions. I want my money back as i never gave them permission to take it from me. They had no right. I support all the others that these scammers to be closed down. These people are criminals and should be dealt with.

These fraudstes deducted R399 into my account for what i dont know i had applied a loan with them online but i didn't/never received the money but now they debiting money into my account im taking legal actions towards them

Loan Discovery het my ge sue vir R574 n bank nr wat ek twee jaar trug toe gemaak het is gebruik 12/2/2014
11. You furthermore consented to Attorney And Client Costs, which at this moment amounts to:

Taking Instructions R114.00
Letter of Demand R36.48
TOTAL R150.48

It is furthermore our instruction to to demand from you, as we hereby do, immediate payment of the sum of R399.00 (due to our client), which bring the total outstanding to R549.48.

Unless the total amount of R 549.48 is paid to our offices within 10 (TEN) DAYS from date of this letter, legal action will follow, which will results in further legal cost and collection commision.

Please note that all payments are to be made to our offices at 49 Fairbairn street, Worcester, 6850, alternatively in our trust account with the following details:

Bank. FIRST NATIONAL BANK
Acc Name. Esterhuyze Inc
Acc Number [protected]
Branch Code. 200 407
Ref. DEB233159

Yours faithfully

ESTERHUYZE INC
PER FP SLABBER
ek het eers internet op gesit 30/3/2014
to Esterhuyze
Good morning
I do not have a bank account with nedbank my account has been closed for 2 years now . Where did they get my infomation from because i did not apply for it . fix this problem or i will take this matter further.
Thank you

IN RE: LOAN DISCOVERY // YOURSELF

We have been instructed by our client, LOAN DISCOVERY to adress this letter to you.

It is our instructions that:

1. You submitted an application for our clients’ 2 in 1 service package online via our client’s website, which includes telephonic legal advice assistance plan as well as a complimentary loan finding service. By submitting the application, you confirmed that you have read and agreed to our client’s terms and conditions. The terms and conditions, which is in plain and understandable language makes it very clear that the amount of R399-00 will immediately become due and payable should your application for our client’s services be accepted.

They did the same to me, we need to take a stand this has gone too far, a lot of people have been complaining about these ###.

They have done the sa, e to me. I am going to lodge a fraud charge against them. I alos want FNB to show me the proof of authorisation for them to process this payment.

Ek gaan iets doen, iets baie drasties, hou die nasionale koerante dop, dis n groter tragedie as Oscar Pretorius se geval.

Loan discovery het geld uit me rekening gesteel R399.00 net om dat ek wou aansoek doen vir lening! Discovery is die GOOTSTE SKELM op aarde
Ina van Deventer
En al is daar hoeveel complains niemand gaan iets daar aan doen nie of wat
R399.00 is baie geld dit is 'n tiende van my salaris?

I was surfing the net for a loan. I completed some applications on line but never took them further. To my surprise on the 25th my bank account has been debited twice with the amount of R399.00. Who is L discovery - I never signed any documents or accepted any offers made to me.

I request that my account be credited with the unauthorised deduction.

Since when does a company charge you for applying for a loan? Is this not against the NCR Regulations?

I phoned there call center and made enquiries regarding a loan because their online application requires banking details. The call centre agent could not give a reason but I was desperate and submitted a application online about 2months ago. They then emailed me application forms and said i should pay R399-00 before they would process my application. I would not have borrowed money if I had so i did not continue with the application. They sms me today with my ID number displayed and told me my debit order has been sent back and they will proceed to their legal dept. Not knowing who the sms came from I called the number and they said because i didnt cancel the loan or inform them that i didnt want it I am responsible for the amnt outstanding. This is daylight robbery and I am disgusted how the poor and desperate are being exploited in this country.

I dont realy understand how this works. but my question is, are this complaints actualy going to the people who will help or we just exchanging complaints between each other?
Is Discovery Loans SA connected with the company, Discovery? if so we need to go to any Discovery offices and lodge our complaints perhaps the'll help or or atleast direct us to this scammers...oh ja, I also happen to be one of the victims, WE NEED TO PUT MORE EFFORT TO STOP WHAT THIS GUYS ARE DOING, PROFITING FROM SCAMMING PEOPLE.

LOAN DISCOVERY SA --- crooks!