I made an arrangement with SSDA on their insistence to instill a monthly debit order, a change from the usual monthly EFT payments that I made. The first month went good and well and that is as far is it went. From there on, only downhill. From the second month, they started debiting my account twice. I've contacted them numerously via phone and email. I only managed to get through once and all prior and subsequent calls were dropped, and numerously via email which had weeks of no response. Their latest excuse was blaming the reason for not refunding me on their finance department being busy with an audit and then promised to refund me all the additional deductions that they made. It's been another couple of weeks without any response to my emails. We are paying our debt through them because we ran into financial difficulties, now what they are doing is forcing you to approach people, sometimes unscrupulous, to make ends meet. They don't have a complaints department or are not willing to disclose the information if they do. Folks, never ever agree to a debit order deduction with these frauds because what I found out from my bank is that they put the debit order as a 'Debi check' which the bank can also not reverse. According to the bank, they should inform you thereof and get your consent, but they certainly did not do this with me. You can also not cancel it yourself, so your only recourse is to close your account and move other debit orders. Credit providers, think long and hard before partnering with SSDA. Hopefully this creates awareness for others who will not fall within the same trap as I.