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Blu Credit Deals is a lead generation service rather than a lender. Note the spelling before you go looking for it: the site is blucreditdeals, spelled blu without an e, and it is operated by Blue Label Data Solutions.

Official contact channels

The two numbers are for different things. The 087 number is the consumer line for queries about the service, while the 011 number is for corporate enquiries and will not help with a personal query. The operator also states that it communicates under the brand name Blu Approved, so a message arriving from that name relates to this service rather than being an unrelated approach.

What this organisation provides

You sign up and consent to receive offers, complete a pre-approval process, and then receive personalised offers for personal loans of between R2 000 and R200 000, credit cards and cellphone contracts. The site states that getting pre-approved does not affect your credit score, and that it will not share your information with unaffiliated third parties for their own marketing purposes.

The important thing to understand is who you end up contracting with. Blue Label Data Solutions does not itself offer credit. Once you are pre-approved, the actual offer comes from a credit provider, and any agreement you sign is with that provider. So the balance, the interest rate, the debit order and any arrears all belong to the lender rather than to this service.

Address and operating information

The operator is located at 75 Grayston Drive, Sandton, Gauteng. There is no walk in service for consumers; the process runs through the website and the telephone lines above.

Support and escalation routes

A dispute about a loan or a card you were granted goes to the credit provider that granted it, not to this service. If it is unresolved there, conduct under the National Credit Act goes to the National Credit Regulator on 0860 627 627 and a dispute with the provider goes to the National Financial Ombud Scheme South Africa on 0860 800 900.

The complaint that does belong here is about the marketing itself. Because the whole service is built on collecting your details and passing them to providers, a concern about how your personal information was collected, used or shared, or about continuing to receive offers after asking to stop, goes to the Information Regulator of South Africa under POPIA. Withdraw consent in writing and keep a copy, because that is what the regulator will ask to see.

Sources