Quite simply if you are a customer or retailer, avoid this organisation. As a customer they will rip you off and as a retailer they will discredit you. I have had multiple issues commencing from when they set up the account. When we made our purchase Humm (then Skye) set up the direct debit amount and payment days. All seemed good until we received a letter from Humm90 after they took over Skye saying we are about $1,000 behind in our payments. We obviously contacted them and they said we weren't paying the right amount and we were also paying a day after the payment was due and thus incurring a late payment fee. I tried to explain to them that they were the ones who gave us the amount and payment days. I eventually had to contact their complaints department (then Flexigroup) to sort it out but only after threats of going to the Ombudsman. I now have the ability to pay off the card in full and once again they are obfuscating the process. I spoke with them a few days ago and they said they had to cancel an installment plan before they can provide a payout figure and it would take 2-3 business days. I called them back 3 business days later and they said they had no record of the request or call yet the operator seemed to know the day of the week (Tuesday) when I called them. They again would not provide me with a payout figure and said another 2-3 business days. I contacted the complaints department (who coincidentally is now in the Philippines) but rather then take my complaint, they just transferred me to another operator who told me exactly what the previous operator said (all this on a dodgy line with dogs and babies crying in the background... very unprofessional). Needless to say my next stop will the the Ombudsmans office. Avoid this dodgy organisation at all costs. I know some of you will be desperate to get that product you want but there are much better ways to do it than Humm90.
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