Some credit companies prioritise profit over fairness, warns the NFO. Image: Supplied. Credit companies often gamble with consumers’ livelihoods, extending agreements or enforcing measures without proper authority. Profit-driven practices often override fairness and legality. This is according to the National Financial Ombud Scheme SA (NFO), which reported that 62% of complaints lodged against credit companies with the NFO have been upheld in favour of consumers.