My Kulula card is currently under debt counseling. Despite fact that all my creditors were informed of this as early as the 9th of Febuary 2010 and have subsequently been informed on a weekly basis of this fact via fax, email and phone calls, Kulula maintains their debit order on my cheque account that is also part of the debt review. As there is no money in this account the debit order bounces and FNB chearges me R 175 for the return. As my payment to Kulula is R 500 per month, I could just as well have paid them despite the debt review. It... read full review »