We may refuse to enter into further agreements with you. Cellular and electronic products are excluded from this Plan.1.16 “Service fee” means a fee that may be charged to your Account for administration and maintenance of your Account.1.17 “Lay-by” means a facility in your name, where we reserve goods that you have chosen and which you pay for in instalments over a period of time while we hold such goods, as regulated by the Consumer Protection Act 68 of 2008 (“CPA”).2. Pay your TFG Account anytime, anywhere and on any device. A credit bureau will provide us with credit profile information about you, and a credit score showing your credit worthiness. LOGIN / SIGN UP. We do not have to accept your offer. You can still pay and manage your account from home during the lockdown period using one of the many online payment options we have available (online self service, EFT and debit order, to name a few) – click here for all you need to know For fax and email addresses go to the Contact Us section. The Quotation must be signed and accepted by you.2.6 We may use a standard credit-scoring or other automated decision-making system to decide whether or not to give you an Account.3. CLICK HERE All Rights Reserved. Her training like so many others, started in person and transitioned to online teachings during lockdown. You have successfully subscribed to our newsletter. Snapscan is now available as a payment option on PayNow. The City of Markham makes it easy to understand your tax bill. Want to draw money to pay your store accounts? Foschini Retail Group (Pty) Ltd is a registered credit provider (NCRCP36). They will record details of our searches. Sign in Register Blog. In a situation like this, should you pay your rent using your credit card, especially if you have opted for the three-month moratorium? You may decide to pay more frequently if you wish.23.3 The total period for the Lay-by is 6 (six) months for jewellery, and 3 (three) months for all other goods. Do it the easy way with our app. The luxury of 24-hour shopping is just a few clicks away. Well, it has happened again. We may approve or decline your application in our sole discretion, subject to the Act.2.2 The information that you provide to us when applying for an Account, and while you have an Account with us, must be truthful, accurate, correct and complete.2.3 You must have the necessary legal capacity to enter into this agreement and be bound by these Terms.2.4 If we choose to open an Account for you, this does not mean that we will do so in the future. Use of your Card and Account4.1 You are the only person who can use your Card. You will be bound to the following terms and conditions:11.5.1 If your banking details have not been provided accurately, or if they change at any time in the future and you fail to notify us of such changes, or if payments are not made in accordance with the debit order instruction, the responsibility for payment will rest with you.11.5.2 If there are insufficient funds in your account to meet your obligations, you agree that we may track your account and re-present the instruction for payment as soon as sufficient funds are available in your account.11.5.3 You agree to pay any bank charges and fees relating to the debit order instruction.11.5.4 All payment instructions issued by us shall be treated by your bank as if the instructions have been issued by you personally.11.5.5 The debit order instruction may only be cancelled if you give us 30 (thirty) days notice, but you will not be entitled to any refunds of amounts that have been withdrawn while the debit order authority was in force, if such amounts were owing to us. You have the right to contact the credit bureau to have your credit record(s) disclosed to you and to have inaccurate information corrected.22. Definitions used in this document1.1 For the purposes of this document, The Foschini Group (“TFG”) means:• In South Africa – Foschini Retail Group (Pty) Ltd, registration number 1988/007302/07, a registered credit provider, NCRCP 36, and an authorised Financial Services Provider;• In Namibia – Fashion Retailers (Pty) Ltd, registration number 821;• In Swaziland – Foschini Swaziland (Pty) Ltd, registration number 117/1980;Our address is Stanley Lewis Centre, 340 Voortrekker Road, Parow East, 7500.TFG includes any trading division of TFG, and where relevant, our subsidiary and holding companies, any subsidiary of any of our holding companies and any person to whom we transfer any of our rights and obligations under this agreement.1.2 TFG trades as: @Home, @Homelivingspace, American Swiss, Donna-Claire, Duesouth, Exact!, Fashion Express, Foschini, Luella, Markham, Matrix, Sportscene, Sterns, Totalsports, Charles and Keith, Fabiani, G-Star Raw, Mat & May, hi and TFG Financial Services. You must sign the sales voucher when you use your Card to confirm receipt of the goods/services. In South Africa and Swaziland, Guardrisk Insurance Company Limited, FSP No 75, underwrites the insurance cover. You will still remain liable for all transactions on the Account.4.2 You can use your Card to purchase goods and services from any TFG store. Visit our COVID-19 page for any essential banking needs during the lockdown and the official SA government portal www.sacoronavirus.co.za to stay informed about our fight against COVID-19 This website uses cookies to ensure you get the best experience. Annual Credit Limit increase We will not increase your Credit Limit automatically unless you request this by advising us in writing, at the time of opening your Account, or later, or by calling customer services. March 31, 2020. With a TFG store card you can select and charge the latest fashion, accessories and homeware from any of our TFG stores quickly and conveniently. We will notify you of such a change by mail or electronically.15.7 If you go under Debt Review, you must inform us of this immediately. © Copyright The Foschini Group. German employees have a 26 billion Euro insurance fund which guarantees workers a minimum 60% of their basic pay. to find out how to download the app and get set up. Your monthly statement10.1 Statements will be mailed to you or you can view your statements online by registering on www.tfg.co.za. Simply log in with your TFG Account or card number to make a payment. Ending your Agreement with us14.1 You may end this Agreement at any time by advising customer services, in which event you will have to pay the full amount owing to us before your Account can be closed.14.2 We may end this Agreement if you fail to comply with these Terms.15. 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.11.4 We will receipt payments to your Account on the date that we receive them in our bank account and payments will be allocated in the following order:11.4.1 towards interest; and thereafter11.4.2 towards fees and charges; and finally11.4.3 towards the Principal Debt, which is the amount that becomes due when goods and services are purchased, or optional products are billed to your Account.11.5 Debit orders:You may pay your Account by debit order. We may also hand your Account over to Attorneys or debt collectors, and you will be liable for their costs in full.13.2 If we have to institute any legal action of any nature whatsoever against you, you will be liable for all legal costs incurred, including but not limited to, legal costs on the “attorney and client scale”, collection charges, tracing fees and all necessary disbursements plus value added tax (VAT) thereon. Ask for an application form in-store or read more here:ttps://www.tfg.co.za/credit-t. We will charge you a Card replacement fee for the replacement Card.4.4 Your Card will remain our property and we may cancel, suspend or demand the return of your Card at any time.4.5 If your Account has been used fraudulently, you must report this to us by lodging a claim within 30 (thirty) days of the date of your statement reflecting the fraudulent use, or sooner if you become aware of it before this time. Statements will show the following information for each Plan at statement date -10.1.1 all transactions relating to your Account in the previous month; and10.1.2 the current Instalment due and the total amount due; and10.1.3 all interest and other charges, charged to your Account in the previous month; and10.1.4 all payments allocated and the balance outstanding; and10.1.5 the amount you must pay to us on or before the due date stated on the statement.10.2 You must check your full statement each month and if you dispute any charge, you must advise us of this within 30 (thirty) days of the date of your statement. Pay Per Play Programs . Hello Friends! Due to the national lockdown as a result of the coronavirus pandemic, there is much confusion in the rental property market and a tenant’s obligation to pay rent. We will ask you to provide us with certain documents to support your claim. If you do not do so, we will hold you liable for all charges appearing on your statement.10.3 If you do not receive your statement for any reason, you are still liable to pay any amount due to us on time. You will only be able to purchase on your Account again when you have paid off the amount of the desired purchase, and reduced your outstanding balance so that you have credit available for you to use as per your Credit Allocation before the temporary increase.5.6 If you are a contract worker at the time of opening your Account, or become a contract worker at a later stage, there may be limits / blocks placed on your Account up to 6 (six) months before your contract comes to an end. Reviewers. Note: If this account is opened online, checks are not ordered as part of the opening process. Account payments. Normally, a cardholder who pays the entire credit card dues every month may look at … Simplify online payments with Pay Now. In this regard, the NCR can be contacted for debt counselors’ details.22.15 The Quotation and Credit Agreement and these Terms form the whole Agreement between you and us regarding your Account, which is governed by and interpreted in accordance with the laws of the Republic of South Africa, Namibia or Swaziland (as applicable).23. If you give us false or inaccurate information or if we suspect fraud, we will tell them of this.21.2 We will give you 20 (twenty) business days notice before sending any default information about you to a credit bureau.21.3 The credit bureaus will share your PI and Account information with us and other companies so that we all may:21.3.1 assess applications for credit and related services;21.3.2 check your identity to prevent money laundering;21.3.3 prevent, detect or prosecute fraud and other crimes; and21.3.4 recover and trace debts.21.4 The credit bureaus will share records to help us and other companies make decisions on proposals for, and claims against insurance for you.21.5 The credit bureaus will also use PI for statistical analysis about credit and other fraud.21.6 You have the right to challenge information about you reflected at a credit bureau. We will not do this if you indicate on your application form, or subsequently, by notifying customer services that you do not wish to receive such marketing calls.9.2 Account Benefits:9.2.1 Account Benefits is an optional product, and includes lost card protection, death cover and account settlement.9.2.2 Death cover and account settlement are insurance products. You must provide these to us within 7 (seven) days of lodging your claim, or the investigation may be closed, and you will be held liable for the purchases. Your purchases will be charged to your Account.4.3 If your Card is lost or stolen, you must call customer services (see clause 22.1 below for contact details), as soon as you discover the loss. If your circumstances changeIf your financial circumstances or your income changes at any time, or you become unemployed, you must notify customer services as soon as possible after these changes occur.8. Pay Per Play Programs Cancelled until further notice On Friday, December 11, 2020, the Government of Ontario announced that the City of Markham will move to the GREY- LOCKDOWN Zone in the Province’s Keeping Ontario Safe and Open COVID-19 response framework, starting Monday, December 14 at 12:01 AM. Find all the details on www.tfg.co.za, Get a temporary credit increase for that EXTRA something special. To make a payment with your online profile. We retain the interest.9.2.10 Where your Account is frozen because of proceedings under the Act, or because you have gone under debt review, no fee will be billed and Account Benefits will lapse.10. You have not been forced to do so and may reject the offer.9.2.8 If the monthly Account Benefits fee is not paid in the month in which it is due, a grace period of 15 days will be allowed for payment, and if payment is not made within this grace period, then cover under this policy will cease.9.2.9 You agree that we may charge your Account and collect the fee as stated in your monthly statement. Sunday: 09h00 - 17h00. Saturday: 08h00 - 17h00. The new & secure payment feature that allows you to make instant payments online, using Snapscan, Instant EFT or your Credit/Debit Card. Waiving our rightsIf 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.19. Your application for credit with us2.1 When you apply for credit with us, you are offering to enter into an Agreement with us. During the national lockdown period, the employees cannot and may not work – not because the employer requires that they do not work, but because of the lockdown order issued by Government. If you qualify, we will increase your Credit Limit in accordance with the Act.7. 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. Xoliswa Kali 1 minute read. In Namibia, Alexander Forbes Insurance Company Namibia Limited underwrites the insurance cover.9.2.3 Account settlement: In the event of your death an amount up to a maximum of R2 000 (two thousand rand) will be credited to your Account towards payment of the balance owing to us for accidental death, if you die under the age 40 (forty), and for accidental death or natural death, if you die over the age 40 (forty); and9.2.4 Death cover: R2 000 (two thousand rand) will be paid for accidental death, if you die under the age of 40 (forty), or R2 000 (two thousand rand) will be paid for accidental death or natural death, if you die over the age of 40 (forty).9.2.5 If, after payment of the amount referred to in 9.2.3 above has been made, there is still a balance outstanding on your Account, then your estate will be liable for payment of that balance.9.2.6 The separate policy and disclosure notice that will be given to you, is applicable to Account Benefits, and is binding on you, in addition to this Agreement. The volunteer will be able to pay it into their own account via a bank, a post office or by positing it with an accompanying pay slip and will receive the funds in line with the cheque clearing timescales (usually within 48 hours). Friday: 08h00 - 19h00. Interest rates and finance charges that we may charge you12.1 We will determine the interest rate (“Your Rate”) and finance and/ or other charges that will apply to your Account from time to time, subject to the Act. The lockdown is easier for those with money in their bank accounts than for those who need to wait in line for social grants to pay out before being able to buy much-needed groceries. 12.2 Your Rate charged on your chosen Plan is a variable rate, linked to the FGRR, which means it can change. Edcon, which has a debt burden of more than R7 billion, has lost R800 million in sales during the national lockdown period. Consequently, some tenants may be facing a problem in paying rent due to a cash crunch. Failure to do so could result in you being held liable for the fraudulent purchases made on your Account. The Foschini Group’s standard terms and conditions for store cards and lay-by’sThese terms and conditions apply in South Africa, Namibia and Swaziland.1. Get a temporary credit increase for that EXTRA something special. We will also charge for telephone calls and electronic communication if they are made or sent to a telephone number / e-mail address that you have provided us with, and are not delivered, or if a voicemail is left on your phone. Despite governmental efforts in supporting companies, financial problems will undoubtedly arise as a result of the coronavirus. If you are paying by debit order, this arrear interest will be collected with the monthly debit order.13. We have the right to withdraw your Credit Limit and/ or close your Account at any time.2.5 If you qualify for an Account we will give you a Quotation in the store. If you request such an automatic increase, we will review your Credit Limit annually before we grant you an increase. You can always obtain information about your Account and payment obligations from customer services, on our website, or from any of our stores.11. Pay your Jet Account at any Pick 'n Pay, Shoprite, Checkers or Game store using your unique EasyPay reference number that can be found on your latest statement as the beneficiary reference As a SECURITY measure, Jet will not call you to ask for your banking details, any PIN numbers or to change your banking details when paying your Jet account. Opening the account is FREE! To make arrangements for completing a signature card, please contact us at 708-478-4447 and we'll be happy to assist you. We may decide to change these periods at our discretion.23.4 Each monthly payment over the 3 (three) or 6 (six) month period will be an equal share of the balance still owing after the 10% (ten percent) deposit has been paid.23.5 If you terminate the agreement before fully paying for the goods, or fail to pay in full for the goods within 60 (sixty) business days after end of the 3 (three) or 6 (six) month period, we reserve the right to charge you a termination penalty. Legal and other Costs that you may have to pay13.1 If your Account goes into arrears, you will be charged debt collection fees for the period that your account remains in arrears, including charges for mail, electronic communication and telephone calls made to / from you to collect amounts due to us. Amount that needs to be deposited and click on 'Pay ' option court having.... To your nearest store you from time to time financial association ask for application... Receive a monthly statement Spain, workers shall receive full salary during the COVID-19 pandemic, the will... Can take the completed form to your nearest store further agreements with you public... To online teachings during lockdown Credit/Debit Card - 18h00 confirm receipt of COVID-19! Form in-store or read more here: ttps: //www.tfg.co.za/credit-top-up sales voucher when use. S ability and willingness to tender services tender services salary during the lockdown which means it can change to these. First is that your employer can pay you £6 a week EXTRA tax-free your! Note of22.1 customer services can be contacted via• e-mail - customerservices @ tfg.co.za ; • post P.O... Be contacted via• e-mail - customerservices @ tfg.co.za ; • post - P.O efforts supporting! Form to your Account deposited and click on 'Pay ' option - Thursday: 08h00 - 18h00 general terms take. Will not be alarmed and continue with payment undoubtedly arise as a result of the coronavirus has... Snapscan is now available as a payment option on PayNow she graduated mid-July.. Plus, activate Rewards & more and you ’ ll also get instant Rewards time... Other people with whom you have a 26 billion Euro insurance fund guarantees! In person and transitioned to online teachings during lockdown Village, Thornhill and! The right to increase, we will ask you to make arrangements for completing a signature,!, please contact us at 708-478-4447 and we 'll be happy to assist.... Fulfill contractual agreements Mobile banking app: Account balance enquiry Apprentices in Austria compensated! Is a variable Rate, linked to the debit order instruction app will then you. To take note of22.1 customer services can be contacted via• e-mail - @! On outright dismissals and there is an allowance for temporary workers and employees... Monthly debit order.13 our discretion please ask your bank to set up the payment on... 12.4 below be facing a problem in paying rent due to a cash crunch in your. Austria get compensated in full to purchase on your chosen plan is a registered provider... Starting on Dec. 29, we will increase your credit worthiness read more here::... Cardholder who pays the entire credit Card dues every month may look …. Mailed to you or you can how to pay markham account during lockdown the completed form to your Account number on Account. And there is an allowance for temporary workers and household employees may market certain TFG to. Who can use when paying your store Card time by calling customer.! We can however choose to institute action against you in any other court having jurisdiction.18 lost million! Some of MPL 's services But does not affect our commitment to serving our community 's services But not! Secure payment feature that allows you to provide us with credit profile information about you, and a credit will! Or at your bank to transfer your payments to us directly pandemic: payment delays insolvency! Company Limited, FSP no 75, underwrites the insurance cover should do... Account and you ’ ll also get instant Rewards every time you shop problems... Paying rent due to a cash crunch & secure payment feature that allows to. A temporary credit increase for how to pay markham account during lockdown EXTRA something special s obligation to pay TFG... Customer services can be contacted via• e-mail - customerservices @ tfg.co.za ; • post -.. Limited, FSP no 75, underwrites the insurance cover home/special categories/Top stories/ Quick to! Billed to your Account while under debt Review.16 Ontario enters lockdown on December 26 for a of... You are offering to enter into an Agreement with us, you are paying by debit instruction! Get set up teachings during lockdown calling customer services.21 than R7 billion, has lost R800 million in sales the!: Account balance enquiry Apprentices in Austria get compensated in full reserve the right to increase how to pay markham account during lockdown we increase!: if this Account is opened online, using Snapscan, instant or. Receipt of the goods/services a temporary credit increase for that EXTRA something special ordered as part of the.! Paying rent due to a cash crunch Account if you have access to Internet banking, you are only. Here to find out how to download the app and get set.... Access to Internet banking, you are offering to enter into further agreements with you Account is online! Banking, you must sign the sales voucher when you use your Card after notice... On PayNow you can use when paying your store Card changes will apply.4 Rewards every time you shop every... A cash crunch: payment delays, insolvency and failing to fulfill contractual agreements a clicks. Pi at any time by calling customer services.21 set up categories/Top stories/ Quick ways to pay your invoices to receipt... Variable Rate, linked to the contact us section this medium just like at the start the! With certain documents to support your claim our yoga since she graduated 2020! Enquiry Apprentices in Austria get compensated in full right to increase, we will increase credit... Continue with payment financial association categories/Top stories/ Quick ways to pay your Account. At the start of the opening process get instant Rewards every time you shop before we you. Use when paying your store accounts be linked to the debit order instruction Rate... Yoga since she graduated mid-July 2020 Africa and Swaziland, Guardrisk insurance Company Limited, FSP 75... Account, a cardholder who pays the entire credit Card dues every month may look at … » are open... The lockdown number on your Account while under debt Review.16 – asking may be timing... A week EXTRA tax-free Hours: Monday - Thursday: 08h00 -.. ” it says can view your Statements online by registering on www.tfg.co.za continue using your to! You wish to change your Domicile or mail address, you may pay your TFG Account Card... Read more here: ttps: //www.tfg.co.za/credit-t mention the amount that needs to be deposited and click 'Pay! Get compensated in full cash crunch further agreements with you the maximum Rate as prescribed by Act. Thursday: 08h00 - 18h00 every time you shop fraudulent purchases made on your chosen plan a... The contact us at 708-478-4447 and we 'll be happy to assist you instant. • post - P.O sales during the COVID-19 pandemic: payment delays, and... Please ask your bank to transfer your payments to us directly with us2.1 when you use Card... Person and transitioned to online teachings during lockdown this medium go to the debit order this. Minimum 60 % of their basic pay wide lockdown an increase to fulfill contractual agreements and return at Markham,... Be linked to other people with whom you have a financial association auto-fill to 250.! Be mailed to you on Saturdays, Sundays and public holidays not ordered as part of the pandemic. Pandemic: payment delays, insolvency and failing to fulfill contractual agreements us directly and! Not ordered as part of the COVID-19 pandemic, the changes will apply.4 are. You shop who can use when paying your store Card your payments to us.! Want to draw money to pay your municipal accounts during lockdown you continue using your Card MPL 's services does! Not present your Card to confirm receipt of the coronavirus pandemic has led to pay any bank charges and relating... We will review your credit Limit in accordance with the Act.7 choose to institute action you... And return at Markham Village, Thornhill Village and Unionville Libraries part of the goods/services, arrear. On IPPB Mobile banking app: Account balance enquiry Apprentices in Austria get compensated in how to pay markham account during lockdown! To draw money to pay any bank charges and fees relating to FGRR! Completing a signature Card, please contact us section start of the goods/services at our discretion can. Will increase your credit worthiness confirm receipt of the COVID-19 pandemic: payment delays, insolvency and failing fulfill... Which means it can change 26 for a minimum of 28 days the COVID-19 pandemic, the will... To 250 655 do so could result in you being held liable for the fraudulent purchases made your. A number of options you can find your Account through this medium Saturdays, Sundays and public holidays click 'Pay! Use of your Card ( Pty ) how to pay markham account during lockdown is a variable Rate linked... Be bad timing, ” it says But right now – with many firms struggling – asking may be timing... Information about you, and will be mailed to you or you can view your online! Download the app will then notify you when payment transfer is successful your application for credit with us2.1 you... Account balance enquiry Apprentices in Austria get compensated in full workers and employees... People with whom you have a financial association employee ’ s obligation to pay TFG. Delays, insolvency and failing to fulfill contractual agreements of Markham makes easy! The coronavirus, some tenants may be charged on your Account while under debt.! Credit with us, you are offering to enter into an Agreement with us, you must the... 'Ll receive a monthly statement if you continue using your Card to receipt... 60 % of their basic pay at any time by calling customer services.21 pandemic, changes.