I did not apply for loans through them as I am currently under debt review and can't quality for a loan. I contacted them through their website to enquire about the possibility of a small loan WHILE UNDER DEBT REVIEW. Someone phoned me and said they can't assist in any because i am under debt review. It's against the whole NCA policy. And then suddenly they started saying that i signed a contract with them, even sent me a pdf copy of the contract wording. I never saw those conditions on their site? I know i can't quality for a loan while under debt review. They are now threatening me with legal action if I don't pay the R1058 cancellation fee. They don't response to my emails when i tell them i am under debt review. What should i do?! I am really worried that they influence my credit score. I am three months away from my last debt review payment.