Debtfree DIGI July 2016

South Africa’s debt counselling magazine 

July 2016 

www.debtfreedigi.co.za

What you can expect from Hyphen PDA: 

• Increased Debt Counsellor Profitability 

• Flawless Systems 

• Meaningful Reporting 

• Contented Consumers! 

Chris van der Straaten, 

Head: PDA 

082 557 0437 

Malcom Povey, 

Head: Operations PDA 

082 445 5604 

www.hyp

henpda.co.za 

Don’t expect to hear an endless amount 

of “spin” around why things failed!.

Professional Debt 

Counselling Attorneys 

Tel: 021 872 1968 

11 MARKET STREET, PAARL 

www.steyncoetzee.co.za

CONTENTS 

NEWS 

DEBT REVIEW 

AWARDS 

Ubisoft Give 

Away FREE GAMES 

BUILDING A SOLID 

DEBT COUNSELLING 

PRACTICE 

DROP 

Workshop 

SERVICE 

DIRECTORY

EDITOR’S NOTE 

Don’t you hate getting up when it is cold and 

miserable? Some mornings in winter you just 

want to curl back up and pull the covers over 

your head rather than face the cold outside 

your bed. Well, truth be told that even happens 

in summer but it is definitely harder in winter. 

Not to mention that with winter comes higher 

electricity bills which don’t help. Transport 

costs go up as well. Not just because petrol 

went up but because where we may have 

walked before now we have the urge to ride. 

And when you’re cold your brain tells you it 

is time to eat more. No wonder winter fat is a 

real thing. The cold aside though, things have 

really been hotting up in debt review. 

It has been an exciting few weeks since our last 

issue. The big event for the Debtfree team was 

the annual Debt Review Awards that saw SBSA, 

Hyphen, Consumer Friend and the IDM Group 

take home some of the big awards. Debtfree 

help organise the peer review process (which 

decides who wins) and help organise the red 

carpet gala evening where the announcements 

are made. Everyone looked so snazzy and we 

have a full report on the fun and excitement of 

the evening. Thanks again to everyone on our 

team for their great work. 

want from consumers and Debt Counsellors 

with regard to debt review applications. It will 

make a difference in your life whether you are 

a consumer, credit provider or DC so be sure to 

check it out. 

If you have been feeling to cold, too tired and 

too down to hop out of bed in the morning 

(seriously who actually hops??) then like the 

rest of us maybe it just takes a nice warm drink 

and some time to get up to speed. After all 

once you are up and about it is hardly as bad as 

we imaging it to be while hiding in bed. Debt 

review can be the same. At first you just want 

to forget about your debt and ignore it, like 

a new day interrupting your sleep. However 

after a short while of being in the process you 

start to benefit. As things move along and 

the balances start to drop you get a feeling of 

actually accomplishing something and all the 

while you are no doubt saving lots of fees and 

interest thanks to concessions from creditors. 

Yes, debt review is about shifting focus from 

desperate right now to a bright and warm 

future free from debt stress. It’s about taking 

back control and we hope this issue of Debtfree 

helps you get a small boost to your day as you 

look ahead to being debt free. 

This issue we also consider news effecting 

the industry (like how some credit providers 

got arrested) and have a look at a new court 

case ruling which helps define what courts

We are very proud of the achievements of Hyphen PDA at the 2016 

Debt Review Awards. Simplicity Debt Counsellor Software is a 

Hyphen PDA Business Partner.

“ It always seems 

impossible until 

it is done” - Nelson Mandela 

Specialist Attorneys dealing 

with Debt Review matters 

Magistrates Court 

and High Court Matters 

Tel 021 913 2514 Fax 0866070940 Email info@liddles.co.za 

PHYSICAL ADDRESS 7 Chenin Blanc Street, Oude Westhof Postal address PO Box 3407, tygervalley, 7536

INDUSTRY 

CONSUMER 

NEWS FLASH 

For daily debt counselling news in 3 minutes or less visit www.debtfreedigi.co.za 

July Petrol Hike Got 

you Down? Hang on For 

August 

Consumers and businesses were hard hit by yet 

another petrol price hike in July. Though petrol 

only went up by about 11 Cents, this was added 

to the April, May and June increases making 

Petrol in July cost about R1.60 more than in 

March 2016. The good news is that there is talk 

of a decent drop in petrol prices in August 2016 

of as much as 83 Cents/litre dependant on how 

the Rand is doing at the time. 

NCR Warn Not To Add 

Extra R10 Service Fee 

The NCR have issued a circular saying that they 

are aware that some credit providers have been 

adding an extra R10 to consumers monthly 

credit account fees (after the new DTI published 

R60/month rate came into effect). They have 

pointed out that the new rate applies to new 

accounts after May 6, 2016 only. This would 

also apply to consumers under debt review 

before that time. Where creditors have started 

incorrectly adding this fee the NCR warn they 

will take action. 

NCR Stats Show Less People 

Qualify For Credit 

The Recent credit report from the NCR has 

shown that though a few less people are in very, 

very serious default (haven’t paid for 3 months 

or more) a large number of consumers are still 

desperate to use credit. Of the 11.85 million 

applications for credit during the 3 months 

reported on over half of the applications were 

turned down by the banks and other creditors 

because they viewed the consumers as too risky 

or that they could not actually afford to repay 

the credit. This stat may have a lot to do with the 

new more stringent regulation requirements 

for assessing a consumers financial situation. If 

a consumer finds themselves turned down for 

credit for these reasons, rather than running out 

and trying to get more credit elsewhere, they 

should turn to a professional Debt Counsellor 

to help them get rid of all their debt altogether. 

Changes at Consumer 

Friend & Their Clients 

Consumer Friend has been making some 

adjustments in an effort to provide improved 

service to the industry. One of the big changes 

has been adjustments and an overhaul of their 

telephone system (which has been somewhat 

…temperamental in the past). This and other 

upcoming innovations are being put into place 

by new team members. Things have also been 

changing with some of the companies that 

Consumer Friend represent: Capfin Loans are 

now going to be known as Century Capitol 

Loans, JDG Trading have become Pepkor 

Trading and JD Consumer Finance is now

NEWS CONTINUED 

Century Capitol. If it seems confusing all DCs 

have to do is check closely what the CoBs from 

Consumer Friend say and quote these entities 

in any court applications. For the most part the 

changes will have little impact on the process 

other than different names on some papers. 

Consumer Friend was one of the big winners 

in this years’ Debt Review Awards. 

NCR Website Seems Fine 

During July 2016 the NCR’s website became 

a scary place. Visitors who went to visit were 

warned that the site was infected with malware 

that wanted to infect their computers and that 

they should not go onto the website. The issue 

has since been resolved and you can now visit 

the site without any scary red warning screen. 

SBSA & DCRS Acceptances 

Standard Bank (SBSA) have reminded Debt 

Counsellors that they will only be willing 

to send a final acceptance letter for a DCRS 

proposal (a computer system that shows 

the way credit providers suggest debt be 

restructured) if the Debt Counsellor send 

them (SBSA) an acceptance letter for the DCRS 

proposal the Debt Counsellor sent them. If the 

Debt Counsellor sends SBSA an acceptance 

letter for the proposal they made via DCRS 

then SBSA will send back an acceptance letter 

of their own. 

Send The Sheriff 

SA Taxi have recently began corresponding 

with Debt Counsellors telling them that they 

want to have any court documents served 

on them via the Sheriff of the Court. This is an 

option (along with service via registered mail) 

that all parties have under the Magistrates 

Court Act. Most credit providers chose to have 

service via email since this is faster and saves 

consumer money. 

Credit Providers Arrested 

The NCR recently joined the SAPS in raiding 

10 credit providers in the Northern Cape. The 

raids turned up several illegal activities such as 

keeping consumers ID books, ATM cards and 

SASSA cards. As a result 4 of these naughty 

credit providers found themselves under 

arrest for breaking the law. The NCR recently 

conducted a workshop for Debt Counsellors 

and Credit Providers in the Northern Cape. 

The NCR also took the opportunity to pop past 

several companies and individuals who had 

formerly been registered with them (but had 

not paid to renew their registration) to check 

that these firms were not still operating without 

being registered. The arrested credit providers 

will face not only the cops but also the NCR will 

take these matters to the National Consumer 

Tribunal and fines and deregistration may 

follow. The NCR recently announced that 

they are not only investigating smaller credit 

providers but even the (now defunct) old 

African Bank. 

2016 Debt Review Awards 

The annual Debt Review Awards recently took 

place in Cape Town. Big winners on the night 

were Hyphen PDA, Consumer Friend, Standard 

Bank and the IDM group. The awards were 

based on an industry wide peer review. Read 

More about the 2016 Annual Debt Review 

Awards in this issue: HERE

Switch 

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e-maill: petro@dcpartner.co.za 

Cell: 083 6139 826 

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terms & Conditions aPPly 

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ONE Insurance ONE Insurance Underwriting Underwriting Managers ONE Insurance (PTY) Managers LTD Underwriting Reg (PTY) No. 1996/008987/07 

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NEWS CONTINUED 

20 Years of Insurance 

ONE|SURE offer consumers under debt review 

special insurance to cover their debts. Credit 

providers want to have their debts insured in 

case something happens to their clients. This is 

why they offer insurance when consumers take 

out credit. However many times the insurance 

that comes with credit agreements is actually 

quite expensive and consumers don’t realize 

they could be paying less. ONE|SURE provide 

consumers with replacement insurance and 

offer lots of additional benefits like covering 

debt review repayments for many month 

should a consumer under debt review lose 

their job. 2016 sees ONE being in business 

for 20 years, showing how stable the brand 

is. They work together with Mutual & Federal 

which is of course another very well known 

insurance brand. At the 2016 Debt Review 

Awards the ONE|SURE and M&F sponsored two 

amazing prizes for people making a significant 

contribution to the industry. More about that 

in this issue. 

don’t be a twit 

http://twitter.com/Debtfree_DIGI 

For daily debt counselling news in 3 minutes 

or less visit www.debtfreedigi.co.za 

NEXT 

THE ANNUAL DEBT 

REVIEW AWARDS 2016 

NEXT 

Ubisoft Give 

Away FREE GAMES

THE ANNUAL DEBT 

REVIEW AWARDS 

2016 

The annual Debt Review Award gala took place in a surprisingly 

pleasant mid-winter Cape Town. Guests from around the 

country attended to find out the results of an industry-wide 

peer review into how well Debt Counsellors, Credit Providers 

and PDAs are doing. The results had long been anticipated 

and many golden piggys found themselves new homes as the 

winners were announced on the evening. 

Big winners on the night included Standard Bank, Consumer Friend, the IDM Group and Hyphen 

PDA. On the evening, awards were handed out to not only individuals who are working hard to 

make the industry succeed, but also those credit providers, PDAs and Debt Counsellors who are 

at the top of their game. A number of presentations and speeches were made by individuals 

from the industry, including the NCR and NCT.

RED CARPET 

It is true that Debt Counsellors and Credit Providers seldom have cause to dress to the nines, 

however at the annual Debt Review Awards Gala in Cape Town in June, everyone wanted to 

put their best foot forward. Even those consumers who attended to receive their clearance 

certificates (which say their debt is now paid up) were looking pretty snazzy. From the NCR, and 

NCT, to Consumers and PDAs everyone looked fabulous! 

After all the guests had arrived down the red carpet and mingled with the sponsors (and once 

the big rugby game had finished) the evening was ready to begin. Mr. Sebastien Alexanderson, 

Debt Counsellor and all round funny guy, was the host for the evening and opened the Debt 

Review Awards Gala with words about how the Awards process had grown over the years and 

now commanded the industry’s participation. He then introduced the first non-speaker of the 

night, Mr Steve Barnett the Silent Conductor.

The Speeches (and Non Speech) 

The Silent Conductor is known for his unusual way of getting the audience to participate and 

cooperate together in producing interesting sound effects and music. By using only hand 

gestures and simple miming, he was able to get the audience engaged and collaborating to 

produce music. The message was clear: cooperation between Consumers, Credit Providers, 

Regulators, PDAs, Attorneys and Debt Counsellors can produce wonderful things. There were 

some outstanding solo performances by certain members of the audience.

Next Ms. Kedilatile Lagodi of the NCR Debt Review Department spoke about the incredible system 

we have (debt review) and how the numbers tell the story that despite challenges the industry 

is helping a lot of people every month to deal with debt and repay their creditors responsibly. 

Next the National Consumer Tribunal’s Advocate John Simpson spoke enthusiastically about the 

progress the NCT has been making in dealing with the backlog of cases they have received, the 

benefits of the SA debt review process and how people from other countries have learned from 

the progress made locally. 

Consumers Receive Clearance Certificates 

Only 2% of SA consumers have no debt whatsoever, and the evening of the gala was a highlight 

for 3 couples who have been under debt review and who received their clearance certificates on 

the night. They were assisted to go from being in debt, to debt free by Debt Counselling firms 

Debt Rescue and Octogen. These certificates mean that the consumer is totally debt free. A rare 

and wonderful situation to be in. Congratulations to them!

Significant Contribution to Debt Review 

The first of the Awards handed out on the evening focused on the individual efforts of people 

in the industry and revealed who the industry wide peer review had identified as hard working 

individuals who were making a significant contribution to the industry and process. Ms. Sam 

Haasbrooke of ONE|SURE, the sponsors of the 2 awards, handed out the awards and announced 

the generous prize money from co sponsors Mutual & Federal. The Awards went to Mr. Chris Van 

Der Straaten and Mr. Rob Easton-Berry who are both well known, hard working figures in the 

debt review community.

The guests then had the opportunity to enjoy some light refreshments during an intermission. 

The break afforded the guests a chance to mingle and meet the generous event contributors 

and sponsors. Contributors such as ABSA, Capitec, FNB and Nedbank were present along with 

sponsors such as DCM NPDA, DC Partner, Hyphen PDA, DCASA, Consumer Friend and ONE|SURE 

and Maximus (for a full list of all the sponsors and contributors click here). 

Once again the MC, Seb Alexanderson began the session with a few words (and a joke about 

how a DC, PDA and CP walk into a bar). Sebastien is a registered Debt Counsellor and business 

owner. He was well poised to remark on industry developments. 

Seb then invited Bernidene Thierhof, of the charitable Debt Counselling Community Support 

program to the podium. Bernidene made a short audio visual presentation in regard to the recent 

DCCS projects and what DCCS has been up to since last year’s awards. She briefly recapped how 

she had run the Comrades on behalf of DCCS to raise awareness (and funds) for the project. She 

thanked Meliorleaf and other sponsors for their help throughout the year. 

Next Mr. Clive Pintusewitz, CEO of the DCM Group gave a presentation in regard to helping 

shift the perception of the industry in the public’s mind and how the insurance industry had 

previously faced the same issue. He showed how Discovery Health had turned their business 

focus onto their consumer’s physical well-being, and made this understandable and accessible 

to consumers. He stressed how the Debt Counselling industry needs to likewise shift focus 

toward consumers financial well being and not just data capture and court orders. 

The third speaker of the session was our own Mr. Zak King, Editor of Debtfree Magazine and 

founder of the Debt Review Awards. Zak spoke about the peer review process and explained a 

bit about how it worked. He thanked the Audits BKF and Mr. Barry Fuchs who was present on the 

evening to hand out the results. This year, rather than through evaluation by an industry expert 

panel, the Awards are based off an industry wide peer review where members of the industry

were invited to rate the performance of other parties on the opposite side of the industry. The 

answers helped create a picture of the top performing companies and were then announced 

in 3 main categories namely: Credit Providers, Payment Distribution Agencies and finally Debt 

Counsellors. 

After a light hearted first session and a number of informative speeches and consumer clearance 

certificates the evening had reach the exciting point where the first of the awards categories 

were about to be announced. 

Taking the stage were an unusual looking “Brad and Angelina” (as they named themselves) 

namely Debt Counsellor and Attorney Mr. Roger Brown of Credit Matters and Mr.Terri Codd of 

DCM Group. The First Credit Provider Category under consideration was in regard to smaller or 

shorter term focused credit provision. The top rated Creditor from the industry wide peer review 

was Real People/Addcon.

Consumer Friend Scoop Two Awards 

The next two awards went to Consumer Friend who represent clients in both the Large Non Bank 

Credit Provider and Retail Credit Provider space. Consumer Friend are an outsourced service 

provider who handle debt review matters for such firms as Woolworths, RCS, Sanlam and TFG. 

Focus then shifted to the always fast and furiously contested vehicle finance category. Here the 

winner was Wesbank who managed to retain the title for another year.

The final Award in this section is considered by some to be “the” Credit Provider Award namely 

Banks. Over the last few years this has also been a closely contested award with all the major 

banks in the running. This year, Standard Bank managed to take the honours as they were the 

top rated bank across the peer review. 

The last part of this section was dedicated to recognising the progress made by a credit provider 

in regard to the way their debt review or collections department deals with debt counsellors and 

consumers under debt review. A certificate of recognition was awarded to ABSA Bank and was 

well received by the entire audience. 

The Audience were sad to see the glitz of ‘Brad and Angelina’ go but next up were the PDA 

categories Presenting the awards for Payment Distribution Agencies were the legal team of Robyn 

and Quintin Zimmermann of Liddle & Associates. Putting away their serious court demeanour, 

the two shone and kept the audience amused with comments like: “oh no I hope it is not another 

one for them” and “why are these envelopes so small?”

The Payment Distribution categories this year were very similar to those in 2015. The 4 categories 

were: Customer Service, Industry Support, Software Integration and the big one Payment 

Distribution. As in 2015 only 3 PDA’s were considered namely DC Partner, Hyphen PDA and NPDA 

(DCM Group). Since the results were based on a peer review of hundreds of people it is hard to 

know what the exact margins were, but the ultimate winner in each of the four categories was 

Hyphen PDA, who went home with an armful of certificates and awards. With only 3 firms in the 

running it is always going to be a tight race, but it seems full honours belong to Hyphen PDA 

over the last 6 months. 

Debt Review Awards – The Debt Counsellor Awards 

The final 3 awards of the evening were those for Debt Counselling firms. The awards are split into 

the size categories. First up was the smaller Boutique Debt Counselling firm’s award. Traditionally 

these firms are run by a single debt Counsellor with a smaller staff compliment who knows every 

client by name. This year the award went to Cape Town Debt Counsellor Alan Manshon. He is 

well known for engaging with credit providers and assisting other Debt Counsellors with advice 

about reckless credit and more. The DC Category awards presenters were Ms. Denise Hartley 

(of Nedbank) and Athaly Khan (of FNB). The next award was for Large Debt Counselling firms 

with either several Debt Counsellors or larger staff numbers and more clients. Over the last 

few years Consumer Debt Help (a Cape Town based debt counselling firms which focuses on 

lower income consumers) has taken the top honours. This year was no exception, as they were

evealed to have been the highest rated firm in the peer review in this category in 2016. The final 

award of the evening before the end of the second session was in regard to the largest national 

debt counselling firms. These giant firms operate all over the country and employ several debt 

counsellors and have large offices with plenty of staff. They are perhaps the most regulated and 

most monitored as they deal with so many consumers every month. The winners this year were 

well known debt counselling firm (and former winners in 2014) DebtBusters. 

The evening ended just after 9pm with a few words from the MC before guests were invited to 

collect goody bags and enjoy some coffee and brownies. Guests were then once again able to 

mingle and spend time chatting with the sponsors and enjoyed scratching through their gift 

bags for all the kind gifts from the generous sponsors. 

As organisers of the event, the Debtfree team want to say a big Thank You to all the presenters, 

organising team and volunteers, as well as, the generous sponsors for their help in making the 

awards possible this year.

Annual Debt R 

For more red carp

eview Awards 

et shots click here

Reckless Reckless Lending Lending Allegations Allegations 

re 

*Debt *Debt Review Review documents: documents: Form Form 17.1; Form 17.1; Form 17.2; P1 

**Debt **Debt Review Review Admin Admin related related requests: requests: debit order debit 

letters; letters; account account closure closure instructions; instructions; settlement settleme bala 

Other Other Standard Bank Bank areas 

Credit Credit Card Card 

0 

Diners Diners Club Club 

0 

Vehicle Vehicle Asset Asset Finance Finance Recoveries Recoveries 0 

Vehicle Vehicle Asset Asset Finance Finance Collections Collections 0 

Reviewing Debt, 

home Loans Pre Legal 

Changing lives 

home Loans Pre Legal 0 

home home Loans Loans Customer Customer Service Service 0 

nd Time 

Standard Standard Bank Bank Insurance Insurance 

0 

Deceased Deceased Estates Estates 

0

cklesslendingallegations@standardbank.co.za 

That is the slogan of the vibrant Debt Review Department at 

Standard Bank, a Team consisting of about 200 individuals 

based in the heart of Johannesburg and second home to a 

happy and engaged family. 

roposals; Court Applications; Court Orders 

cancellations; statement requests ; refunds; paid up 

nces; or outstanding balances 

About the Standard Bank Debt Review Team: Headed by Kershnee Naidoo. Debt Review 

Consists of 11 teams within the Department and comprises of 10 Managers and 15 Team Leaders. 

The Debt Review department acts as a link between the Customer, Debt Counsellors, Payment 

Distribution Agencies, the National Credit Regulator and internal Product Houses. 

Focus of the team: We offer the best service we can to all stakeholders within the industry, with 

the ultimate goal of rehabilitating our customers so that they can go back to participating in the 

credit market. 

Vision for the team: To become the number one credit provider in the debt review industry. 

86120 1000 

Culture: Debt Review prides itself in their culture of oneness and having a harmonious 

atmosphere, they unapologetically love food, fun, feast and fulfilment. 

113588400 / 0860346377 

My Blood is blue - living the Values: The debt review team understands that, to make a difference 

in the industry and in the lives of their customers, you have to think differently and that takes 

spirit, courage and resilience. Every day presents an opportunity to challenge the status quo to 

see things for what they can be and embrace change. There is no limit to what we can achieve, 

excellence is our benchmark. 

861102347 

861102347 

860102270 

Becoming number 1: In June 2016 dreams became a reality when Standard Bank was named as 

the number one Credit Provider in the Debt Review industry at the Annual Debt Review Awards. 

This has affirmed that our passion and determination can make anything possible and we hope 

to continue being affirmed by the Industry. 

860123001 

860123911 

861001868 

CONTACT US

LIVIng on less 

Ubisoft Give 

Away FREE GAMES 

This year computer gaming company Ubisoft turn 30. To 

celebrate staying in business and making so much money 

they are giving away downloads of their older games for free. 

In total 7 games, over 7 months through to December 2016. If 

you are a enthusiastic game player or have kids that like to play 

computer games you will know how scary the prices of games 

can be so when some come along for free it is worth looking at 

if you are living on less. 

So far Ubisoft have already given away the popular Prince of Persia (the sands of time) in June 

and in July are giving Ubisoft Club members Tom Clancy’s Splinter Cell. Ubisoft have released 

such game titles over the years as: Far Cry, Watch Dogs, Myst, Call of Juarez and Assassins Creed 

To be able to download the games you need to (have an internet connection with the required 

data (EG. 2 Gigs download for Splinter Cell) and a free Ubisoft Club account. The account is 

fortunately not too arduous to set up taking less than 5 minutes. Having the account will also 

give you bonuses down the line. 

splinter cell 

Splinter Cell is a game all about sneaking around behind enemy lines trying not to set off alarms 

and is based of the Tom Clancy novels about black ops. If you are a fan of computer games and 

love getting something for free (the best price) then be sure not to miss out on this and the other 

upcoming titles over the next few months. 

To join the free Ubisoft club and start downloads head over to: https://uplay.ubi.com/#!/en-GB/

BUILDING A SOLID 


PRACTICE 

One of the great things about operating a Debt Counselling 

business is that, after a time, a well-run practice will generate 

good aftercare revenues. This is important from a business 

point of view both because Debt Counselling is quite a cyclical 

business and because a good solid aftercare book adds a lot 

to the valuation of the business. Of course there is the added 

benefit (and no small matter) that happy customers will always 

bring in more happy customers.

It goes without saying then that looking after that book is of paramount importance to a Debt 

Counsellor. So what are the important things to do in order to keep customers on our books 

right up to the moment that a Form 19 is issued? This article will give you the heads up on what 

to do and how the leading edge Maximus solution can assist you in building a great business. 

HABIT CHANGING 

In the early stages of the Debt Review it is important for the Debt Counsellor to change the 

behaviour of the consumer. This is done by first providing new customers with information and 

tools to get them going. Maximus produces various documents for the Debt Counsellor to give 

to the consumer in this regard, including a monthly budget template and customised to do list. 

Next the first two payments are vital. A phone call to the consumer just before the payment date 

is of great help. In addition to automatically sending the consumer a sms just before payday, 

Maximus has powerful management reports to support the Debt Counsellor. One of these 

reports details the consumers who need to be contacted within the next six days to make that 

personal call. 

COMMUNICATION 

Notwithstanding the personal phone call, it is fact that the more Debt Counsellors communicate 

with their consumers the better the relationship becomes and the greater the chance of a 

successful Debt Review. To this end Maximus assists the Debt Counsellor in two important ways. 

Firstly the system continuously informs the consumer of the progress of their application. This 

is done by sending email or sms (depending on the consumer preference) whenever there is 

progress made. For example, when the Form 17.1 is sent the customer will receive a message to 

say that all Credit Providers have been informed of the Debt Review. 

Debt Counsellors can also send Communications to their customers by sms or email directly 

from Maximus. These messages are then recorded on the built-in Maximus Note Pad Memo that 

is kept for each case. Maximus even provides Debt Counsellors with an integrated dialling facility 

whereby all calls made to customers are recorded and accessed from the notes. 

Contact Maximus on 011 451 0041 

Next month we will explore 

further ways that Maximus 

helps Debt Counsellors to build 

a successful practice.

UNDERSTANDING 

INDUSTRY JARGON 

CoB 

“We need to see what your CoBs say”. 

Short for Certificate of Balance. 

The Certificate of Balance is how credit providers 

like to send info about a consumers account 

to a Debt Counsellor. The information shows 

the balance of the account and what fees and 

services apply. For example, it will show if 

there is linked insurance on the account. It will 

also show the legal status of the collections 

process and should disclose the date of defualt 

(when you started to msiss payments). Debt 

Counsellors use this information to try make 

proposals regarding your debt to the credit 

providers and the courts.

All professionals have professional indemnity if the unforeseen 

happens. Do you as a professional Debt Counselor have 

professional indemnity as stipulated by the ethical code? 

contact us today for more information 

086 111 2882 

Telephone 0861 112 882 Facsimile 086 605 9751 Mobile 082 449 6856 EMAIL andre@in2insurance.co.za 

www.in2insurance.co.za 

MELIORLEAF WON’T 

LOAD YOUR PREMIUMS 

OR REPUDIATE A 

LEGITIMATE CLAIM 

Specialist insurance for people in debt 

review. Ask your debt counsellor. 

CALL US NOW 0861 635 467 

www.meliorleaf.co.za

Rijkheer V NCR 

and others 

Bloemfontein High Court ruling on Debt Review matters 

Ealier this year honourable Justice NM Mbhele heard a matter regarding the debt review process 

(in particular in regard to how matters are dealt with at court) and made several important 

rulings. The rulings are very similar in nature to the court matter referred to as the Van De Hoven 

Declaratory order (Gauteng). 

Some of the matters addressed are things like: Does the DC have to attend court? Does the DC 

need to supply a copy of his renewed certificate from the NCR? Does the DC need to attach the 

original Form16 to the court documents? 

Several interested parties were involved in what is being called the declaratory order namely the 

NCR, Department of justice, the banking association of South Africa and the Debt Counsellors

Association of South Africa. 

We run through some of the highlights of the ruling to give a quick overview so that you know 

when to refer to this ruling as a precident. 

First off the ruling indicated that since a debt review matter is heard at Magistrates court in 

terms of rule 55 the DC who is the applicant does not have to appear personally but can like all 

applicants pay someone to do so on their behalf. The DC does not have to attach their registration 

and annual renewal certificate as long as they swear they have these in their founding affidavit. 

Next it was declared that since a consumer can submit all the info needed to be apply without 

submitting a form 16 the court does not require a forms 16 to be attached to the court order. 

Service by electronic means or by hand (not necessarily by a Sheriff) is ok as long as email or fax 

is allowed for by both parties. Most Credit Providers prefer email these days and say so in their 

CoBs and other documents. 

The ruling said that courts can hear these matters even when the original application for help 

was done long ago as long as they check the updated info. Where the original documents have 

been lost the DC can swear an affidavit about why and provide copies. 

In point 7 of the ruling it is said that if two parties (ie. the consumer and the credit provider) agree 

to a reduced interest rate this info can be included in the court order. The NCA itself doesn’t make 

allowance for this in Section 86, 87 and so many courts hesitate to include a change in interest 

rates - even if everyone wants it and other laws allow for it. Rather than leave it off the court order 

and just write the amount to be paid and how long this ruling says: go ahead, add the interest 

rate in (after all lower rates mean consumers save lots of money and all parties are happy). 

The Rijkheer ruling also says that the use of the NCCRDEBTHELP system is fine for notifying all 

credit bureaus when someone applies for debt counselling advice. 

All in all the ruling is very similar to the Van Der Hoven Declaratory order. Sure the name is 

harder to pronounce but the message is pretty consistent. While some in the industry have a bit 

of concern that the NCR were not the applicant (which would be more in line with the NCA) this 

ruling does bring further clarity to what the courts are prepared to do to help consumers. The 

ruling sets another important precedent for lower courts and will make things run somewhat 

smoother in courts where hiccups have delayed consumers getting the full protection of the law. 

For a download of the ruling click HERE.

DROP Workshop 

The Debt Review industry is hardly short of Acronyms: NCR, DTI. 

NCT, CIF, DCRS, DCASA etc. So what is DROP? 

DROP stands for Debt Review Operations 

DROP is a series or irregular meetings and workshops held around the country between credit 

providers, PDAS, software vendors, attorneys and Debt Counsellors to handle small stuff that 

won’t be handled by the Credit Industry Forum (CIF). The meetings focus on smaller day to day 

operations level issues (eg. What is the wording on that form, how does the system calculate that 

cascade etc). 

While not earth shattering in outcome the workshops have proved very valuable as several small 

day to day issues have been identified and this has allowed all parties to give consideration as 

to how to solve them. Sometimes solutions have presented themselves at the workshop and 

other times the discussion has simply helped all parties be aware that an issue exists for one of 

the industry parties. 

2 DROP meetings were recently held and here is some feed back from those meetings 

May: 

Chaired by DC Alan Manshon (of the Money Clinic) the meeting, held in Parow, discussed various 

industry challenges with each step of the process from application to clearance certificate. The 

NCR attended and were able to take note of several smaller issues. They kindly helped answer 

some of the questions raised. Among other credit providers, African Bank also attended and 

were able to help discuss their particular much discussed insurance replacement requirements 

(they have a very specific insurance product linked to their credit. It is however pricey and this 

was discussed in depth). The product has some particular benefits and to replace it they require 

any replacement policy match the benefits 100% or more. 

June: 

The most recent DROP meeting happened on the morning of the annual Debt Review Awards. 

Presentations were made by 2 Debt Counsellors, an Attorney and PDA software vendor. Here is 

a quick round up.

Alan Manshon (The Money Clinic) 

Discussed a day in the life of a Debt Counsellor and was able to highlight 

several common every day issues and frustrations DCs face which 

many credit providers were unaware of. In particular he discussed the 

low entry requirements to be come a DC and the challenges this can 

present when issues arise. 

Quintin Zimmermann (Liddle & Associates) 

Quintin discussed the legal side of Debt Review. Sect 129 letters no 

longer constitute the commencement of legal action meaning that 

an account would be excluded from debt review. CPs need to watch 

this in their CoBs. During the discussion ABSA in particular were able 

to identify some wording on their correspondence to DCs they plan 

to change. A brief pointer or two in regard to Sect 103(5) based on a 

recent court case was discussed. 

Kobus Burger (Bitech) 

Kobus discussed the debt review “cake” and showed the audience how 

some payment amounts can be calculated in various ways (regarding 

PDA fees) and how this can then influence the repayment term (in 

small but compounding ways). It was scary to see how quickly things 

can escalate. He pointed out that each CP and PDA calculates things 

slightly differently and how CPS and DCs need to take this into account. 

Reinhard Pettenberger (Debt Therapy & DCASA W Cape.) 

Reinhard discussed how the industry can ensure quality service to 

consumers and uphold it’s integrity. Good DCs make for a good 

debt review. DCs who are not delivering on their promises and take 

advantage of consumers create a negative impact on the industry. He 

posed several simple questions and asked how CPs help report to the 

DC associations and NCR when they see things they don’t think are 

appropriate. He also put the issue of debt mediation (unregistered and 

unregulated debt counselling) to the audience and this was discussed 

in some detail.

UNDERSTANDING 


NCR Database 

“Your name will be added to the NCR 

Database”. 

The National Credit Regulator have a computer 

program which notifies the various credit 

bureaus when a person applies for debt review. 

This helps the credit bureaus update their 

records to show the consumer is considering 

debt review. The system should also inform the 

credit bureaus when the debt review is over and 

to remove this information. The NCR’s system 

is called NCRDebtHelp and can only be used by 

Debt Counsellors.

Maximus, the leading debt counselling software is proud 

to congratulate our PDA partners 

on their exceptional success in the Debt Review Awards. 

Maximus is the original System Partner to Hyphen PDA. 

Contact Maximus on 011 451 0041

UNDERSTANDING 


Form 17.2 

A form sent to all your credit providers 

once your Debt Counsellor has reviewed 

your debt situation. It either says that you 

do qualify and need assistance and will be 

going through the process or that you do 

not need debt review.

South Africa’s 

leading Debt Counsellors 

Click through to 

www.creditmatters.co.za 

or call our national call centre on 

086 111 6197

IN A NUTSHELL 

A great vision is 

like water for a 

parched man 

Extraordinary people and organisations dream boldly and set 

visions that are inspiring, create value in this world and guide 

the future. Malaysian-born Vishen Lakhiani in his book ‘The 

code of the extraordinary mind,’ talks about “dreams, visions… 

as essential to an extraordinary life”. They provide forward 

momentum. “When life doesn’t hold meaning for us, it’s like 

living in the desert, parched for water.”

The South African credit market needs individuals and organisations that can pioneer a new way 

of thinking, a new vision for the future. According to the latest Credit Bureau report, 60% of the 

adult population in South Africa is using loans to finance their lifestyle. Almost 50% (10.5 million) 

of these individuals are at least three months in arrears with their debt repayments. The financial 

wellbeing of these South Africans is precarious. 

The debt review industry needs a shake-up and a new way of thinking, similar to what Discovery 

did in the Health Insurance space. 

A paper by Anna Orthofer on wealth inequality shows that 10 percent of the South African 

population own at least 90-95 percent of all wealth. The Debt Review industry deals with people 

on the opposite end of this wealth spectrum. And the few that have declared themselves overindebted 

are the tip of the 10.5 million iceberg. 

The exciting opportunity lies in working with people to move them from being cash flow negative 

to net worth positive. This was the key message delivered by Clive Pintusewitz, CEO of the DCM 

Group at the recent 2016 Debt Review Industry Awards in Cape Town. According to Clive, the 

focus needs to change from focusing on just managing debt to building assets, in addition to 

securing income and cash flow. 

In this world, Debt Counsellors have the opportunity to grow into financial coaches and planners 

making a valuable contribution to the net worth of ordinary South African families. 

The DCM Group is working on the bold dream of changing the approach to not just debt 

rehabilitation but the ongoing journey of what happens next. Watch this space... 

* Source: Source: Anna Orthofer. 2016. 

“Wealth inequality in South Africa: Insights from wealth surveys and tax returns data,” University of Stellenbosch. Unpublished. 

IN A NUTSHELL is brought you by the DCM Business Partnership Programme, designed to 

support debt counsellors and consumers during the debt review process, in collaboration with 

the National Payment Distribution Agency (NPDA). For help, contact the NPDA on 0861 628 628. 

If you have suggestions for topics that you would like covered in future, please email info@dcmgroup.co.za 

Debt Review Awards Winner 2014 and 2015: 

NPDA: Payment Distribution; Client & Customer Service; Industry Support & Engagement 

Care Premier: Debt Counselling Software


COMMUNITY SUPPORT 

DCCS are currently busy with the Winter Warmer project and are currently in need of the 

following: 

1. Warm Cloths -Money contribution or Voucher 

2. Blankets - Money contribution or Voucher 

3. Food - Money contribution or Voucher 

4. Toiletries - Money contribution or Voucher 


COMMUNITY SUPPORT 

The reason why money or a voucher is better/easier is that the families that DCCS are helping, 

are all over South Africa. 

How a deserving family is chosen: 

· Any debt counsellor (or credit provider) who wants to get involved in this project will 

nominate a vulnerable debt review family that really needs a hamper and let DCCS know 

about the consumers situation. DCCS will then do everything they can to make sure the family 

receives the Winter Warmer Hamper. 

Why? 

· For many DCs times are tough and budgets are tight as we all know but some of these 

families really need our help and without it could fall out of the process back into dire financial 

ruin. Our small donations can make a world of a difference to an entire family. 

It only takes ONE default to derail the client from the process and it can take ONE 

hamper to make all the difference 

If you want to help or get involved in this project, you can contact: admin@dccsupport.co.za

Debt Counsellors Associations 

Announcement Board 

Upcoming Regional Meeting Dates: 

Free State 7 October 2016 

KZN 26 August 2016 

WESTERN Cape 1 November 2016 

Gauteng 26 October 2016 

DCASA Annual Conference 

The Annual Conference will be held in Gauteng on 

the 17th of August 

A couple lost both of their houses... because they 

didn’t pay for a photocopier machine. 

http://www.acts.co.za/news/blog/2016/06/joburgcouple-lose-two-houses-over-photocopier-machine 

www.dcasa.co.za 

www.newera.org.za 

Congratulations to all the winners at this years Debt 

Review Awards. Well Done. 

For more info about joining the BDCF please visit 

our webpage. 

We call on the industry to join our boycott of the 

CIF. We call on the NCR to step in and assist both 

consumers and Debt Counsellors by referring 

matters to the courts for clarity. For more info please 

see this month’s newsletter in Debtfree. 

www.bdcf.co.za 

www.allprodc.org

JULY 

NEWSLETTER 

ALLIANCE OF PROFESSIONAL DEBT COUNSELLORS (ALLPRODC) NOTICE OF WITHDRAWAL FROM THE 

NATIONAL CREDIT REGULATOR’S (NCR) CREDIT INDUSTRY FORUM (CIF) AND CREDIT INDUSTRY FORUM 

(CIF) SUB-COMMITTEES. 

At the CIF End-Balance subcommittee meeting dated 10 June 2016 Allprodc was prevented from tabling a 

presentation relating to the end balance problem in the industry. This was not the first time that Allprodc’s 

right to be heard was unconstitutionally refused. Allprodc subsequently wrote to Mrs Kedilatile Legodi, 

HOD of Debt Review at the NCR on 14 July 2016 declaring a dispute and on 21 July 2016 a letter was sent 

with the intention to suspend/withdraw participation at CIF. The letter pointed out that many of the 

problems in the credit market industry will be resolved if the correct “point of departure” in a debt review 

application is used and if debt counsellors adhere to the specific provisions in the NCA and Regulations. 

Allprodc referred to inter alia the following: 

1. Place a moratorium on the training of prospective and registered debt counsellors until such time 

as the training manual has been corrected to be in line with the National Credit Act, 34 of 2005 and 

Regulations thereof; 

2. That all circulars, guidelines and communiques issued not based on the National Credit Act, 34 of 

2005 and Regulations be withdrawn with immediate effect; 

3. That ALL practicing debt counsellors, credit providers and credit bureaux be brought in line with the 

debt review process as prescribed in the National Credit Act, 34 of 2005 and Regulations; 

4. That Credit Industry Forum be dissolved with immediate effect; 

5. That the unlawful referral of over-indebted consumers to the National Consumer Tribunal be stopped 

and those consumers’ applications be referred to Court to be declared over indebted. 

6. A process be set in motion to rectify all incorrect, unlawful and subsequent null and void debt review 

orders brought to be in line with the specific provisions of the NCA. 

7. All Magistrates Courts and the National Consumer Tribunal be informed of the revocation of the nonbinding 

guidelines and circulars. 

8. The Van der Hoven and Rjikheer “declaratory orders” be set aside as they are in direct contravention 

of the Amendments to the Regulations of the NCA published by the Minister in the Gazette on 10 May 

2012. 

9. The NCR issue a media statement to all consumers in South Africa in accordance with S16 of the NCA 

to have their debt review reassessed and it to be brought in line with the specific provisions of Law. 

Pending the outcome of our dispute with the NCR, we have suspended any further participation at the 

Credit Industry Forum (CIF). The NCR has until the 28 of July 2016 to respond to our requests. 

www.allprodc.org 

FACEBOOK: www.facebook.com/AllProDC / TWITTER: www.twitter.com/AllProDC

click the c 

Service D 

Debt CounsellORS 

Support 

services 

TRAINING 

FINANCIAL 

FINANCIAL 

PLANNING

irectory 

aTEGORY 

DO YOU WANT TO LIST 

YOUR COMPANY? 

directory@debtfreedigi.co.za 

LEGAL 

CREDIT BUREAUS 

PAYMENT 

DISTRIBUTION 

AGENCIES 

CREDIT PROVIDER CONTACT 

DETAILS & ESCALATION PROCESS

Debt CounsellORS 

Gauteng 

KwaZulu- 

Natal 

Free State

Limpopo North West Eastern CapE 

Mpumalanga Northern Cape Western Cape

National Debt Advisors 

Fighting For Consumer Justice 

Tel: 021 007 1688 

www.nationaldebtadvisors.co.za 

Credit Matters 

South Africa’s Leading 

Debt Counsellors 

14th Floor, The Pinnacle 

Cnr Strand & Burg St 

Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 

info@creditmatters.co.za 

Gauteng 

Armani Debt Counselling 

Take the First Step 

to Financial Freedom 

Tania Dekker 

Tel: 011 849 3654 / 7659 

www.armanigroup.co.za 

Dynamix Debt Counselling TLC 

Alida Christie NCRDC2324 

Office 1, 34 Beefwoodstreet, 

Vanderbijlpark, 1911 

Tel: 079 520 4369 

Tel: 016 100 8020 

tlcdebt@mweb.co.za

Specialist Debt Management Centre 

Beverley Ludick, NCRDC948 

Pretoria 

Tel: 012 377-3557 

Email: obligco@gmail.com 

Email: dc@obligco.co.za 

www.obligco.co.za Tel: 0861 123 644 

Email: info@debtrescue.co.za 

Creators In Financial Wellbeing 

NCRDC677 

You Are Not Alone 

We’ll handle your creditors so you 

don’t have to! 

1 Dingler Street, Rynfield, Benoni 

0861 10 11 00 

info@debtmend.co.za 

www.debtmend.co.za 

NCRDC197 

Tel: 011 660 9970 

Fax: 086 540 5017 

KRUGERSDORP 

e-mail: nicky@nvdmdc.co.za 

www.nvdmdc.co.za 

All Debt Solutions 

Fast tracking your financial freedom 

Tel: 0861 255 3328 / 021-557 9981 

Email: info@allds.co.za 

www.alldebtsolutions.co.za 

https://www.facebook.com/ 

alldebtsolutions



Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


KwaZulu- 

Natal 

Tel: 0861 123 644 

Email: info@debtrescue.co.za



Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


Free State 

Tel: 0861 123 644 




Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


Limpopo 

SMS Salary Management Services 

Annerien de Jager 

Registered Debt Counsellor 

NCRDC0075 

015 307 2772 

info@smslimpopo.co.za 

Tel: 0861 123 644 




Tel: 021 007 1688 


Tel: 0861 123 644 


Mpumalanga 






Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 

info@creditmatters.co.za



Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


North West 

Tel: 0861 123 644 




Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


Northern Cape 

Tel: 0861 123 644 




Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


Eastern CapE 

Debt Counselling Group SA 

Affordable Assistance with offices across 

the EASTERN CAPE. 

Casper Francois le Grange 

NCRDC 1560 / CALL: 086 100 1047 

Offices: 

East London: Shop 7, New Colonnade 

Building, Devereux Av, Vincent 

Port Elizabeth: Room 302, Pier 14, 444 

Goven Mbeki Av, North End 

Queenstown: Office 107, Nedbank 

Building, 89 Cathcart Road 

King Williams Town: Office 4, 49 Eales 

Street 

E-mail: help@dcgsa.co.za 

www.dcgsa.co.za 

www.facebook.com/dcg.southafrica 

Tel: 0861 123 644 


Don’t work with an out 

dated version of the Act 

UPDATED 

2015 

We are happy to announce that the Amended National Credit Act booklet 

is now available via our shop. 

Get the latest version for only R250.00 

Order NOW 

http://debtfreedigi.co.za/product/pocket-sized-national-credit-act-booklet/

WEBSITE | www.debt-therapy.co.za 

debt therapy 

integrity guaranteed 

debt therapy is registered with NCR | NCRDC49 



Tel: 021 007 1688 


Drastically reduce your monthly 

debt repayments 

Let US help 0861111863 

Regain control of your finances 

www.debt-therapy.co.za 

Western Cape 

Consolidebt 

Heidie Knorr NCRDC209 

Paarl, Worcester, Wellington, Ceres, 

Piketberg, Clanwilliam, Vredendal 

Tel: 021 863 2754 / 082 380 4401 

consolidebt@vodamail.co.za 

Encouraging Freedom, Creating Wealth 

Etienne Pieterse (NCRDC 2210) 

Tel. (021) 826-2699 

etienne@financialfreedomsolutions.co.za 

www.financialfreedomsolutions.co.za

CONSUMER 

& Solution Centre 

NCRDC2452 

ISISEKO DEBT HELP 

Get Your Life back on track 

TEL: 087 230 0223 

FAX: 086 551 1649 

EMAIL: makanti@isiseko.co.za 

WEB: www.isiseko.co.za 

Debt Review and 

Support Centre 

Annienne Nel NCRDC2452 

Kairo’s House, 22 Fairfield 

Southstreet, Parow, 7550 

Office: 021 930 5791 

Cell: 082 641 2328 

Fax: 086 563 3264 

e-mail: info@debtcentre.co.za 

www.debtcentre.co.za 

NCRDC1142 

No 2 Golden Isle Building 

281 Durban Road, Oakdale, 

Bellville, 7535 

Tel: 086 111 3749 

Email: help@zerodebt.co.za 

www.zerodebt.co.za 






Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


All Debt Solutions 

Fast tracking your financial freedom 

Tel: 0861 255 3328 / 021-557 9981 

Email: info@allds.co.za 

www.alldebtsolutions.co.za 

https://www.facebook.com/ 

alldebtsolutions 

Debt Budget 

One Monthly Payment For All Your Debt 

Bruce Leslie Borez 

NCRDC1643 

52 Church Street, 

“NBS Building”,Wynberg 

Tel: 021 824 8885 

www.debtbudget.co.za

Tel: 0861 123 644 


Your Guide to Financial 

Wellness and Recovery 

0861 229 922 

info@debthero.co.za 

www.legalhero.co.za 

Western Cape

Telephone: 031 251 4151 

Fax: 031 251 4252 

GENERAL CONTACT DETAILS (FIRST POINT OF CALL)* 

17.1‘s, 17 .2’s, 17.3’s, Rejections and 17 .W’s, Change or 

Transfer of Debt Counsellor 

Proposals / Revised Proposals / Consents / 

Related Queries 

Notice of Service / Court Applications 

Updated Balances / Settlements / General Queries 

Section 86(10) Letters and All Related Queries 

nca@consumerfriend.co.za 

proposal@consumerfriend.co.za 

court@consumerfriend.co.za 

queries@consumerfriend.co.za 

terminations@consumerfriend.co.za 

ESCELATION CONTACT DETAILS* 

Complaints / Service Delivery / Management 

17.1‘s, 17 .2’s, 17.3’s, Rejections and 17 .W’s, 

Change or Transfer of Debt Counsellor 

Proposals / Revised Proposals / Consents / 

Related Queries 

Notice of Service / Court Applications 

Updated Balances / Settlements / General Queries 

ryan@consumerfriend.co.za 

justin@consumerfriend.co.za 

charlene@consumerfriend.co.za 

charlene@consumerfriend.co.za 

roderick@consumerfriend.co.za 

diane@consumerfriend.co.za 

*Please do not CC multiple email addresses.

Support services 

Akani Solutions 

Information Data Solutions 

lana Van Herwaarde, 

DC Operation Centre (PTY) 

Tel: 0867227405 Email: 

info@dcoperations.co.za 

www.dcoperations.co.za 

Credit Report App 

Access Your Credit Bureau Report 

Instantly on Your Phone 

DCs help your clients use it during 

application & to protect their ID 

ID Protector 

Detect ID Theft or possible ID Fraud 

Subscribers notified by SMS when number is activated 

DEBT 

086 126 6562 

debt@one.za.com 

www.one.za.com 

info@akanisolutions.co.za 

www.akanisolutions.co.za

COMING SOON 

TRAINING 

COMING SOON 

FINANCIAL PLANNING

LEGAL 

Liddles & Associates 

“It always seems impossible until it 

is done” N. Mandela 

(T) 021 930 5790 

(F) 0866070940 

(E) frontdesk@liddles.co.za 

www.liddles.co.za 

Steyn Coetzee Attorneys / 

Prokureurs 

Adri de Bruyn 

11 Market Street / Markstraat 11, 

Paarl, 7646 

Tel: 021 872 1968 

Fax: 021 872 2678 

adri@steyncoetzee.co.za 

RM Brown and Associates 



Cape Town 

Tel: 021 202 1111, f: 021 425 0875 

Email: roger@rmbrown.co.za

Your Debt Counselling Attorneys 

Johannesburg | Cape Town 

Kim Armfield 

Attorney & Family Law Mediator 

Address: Unit 1B, FinansHuis, 7 

Voortrekker Road, Bellville 

Tel: 021 949 1758 / 021 945 2526 

Office cell: 084 8588 284 

kim@legalwc.co.za 

Andre Van Zyl 

021 494 4862 

info@bassonvanzyl.com 

www.bassonvanzyl.com 

COMING SOON 

CREDIT BUREAUS

PAYMENT DISTRIBUTION AGENCIES 

DC Partner 

044 873 4530 

Hyphen PDA 

011 303 0060 

NPDA 

0861 628 628

SOFTWARE PROVIDERS

CAPITEC CONTACT DETAILS 

Form 17’s 

Proposals 

Court documents 

General Queries 

Refund Requests / 

Cancellation of Debit Orders 

Complaints 

Insurance Certificates 

ccsforms17@capitecbank.co.za 

ccsproposals@capitecbank.co.za 

ccsdebtrevieworders@capitecbank.co.za 

ccsdebtreviewqueries@capitecbank.co.za 

ccsrefundrequests@capitecbank.co.za 

ComplaintManagement@capitecbank.co.za 

coming soon 

Sharecall Contact Number 086 066 7783 - Select Option 2 

ESCALATION PROCESS 

coming soon

Debt Review DepartmentEmail Address 

Turnaround Time 

Contact Details Standard Bank Debt Review 

Debt Review Call Center: 0861 111 525 or 0861 111 402 

Debt Review Documents*: 

DRApplications@standardbank.co.za 

Debt Review Service requests: debtreviewservices@standardbank.co.za 5 days 

Debt Review payment queries: DRPayments@standardbank.co.za 7 days 

Debt Review administrative requests**: DebtReviewAdmin@standardbank.co.za 5 days 

Debt Review complaints and escalations: debtreviewcomplaints@standardbank.co.za 5 days 

Reckless Lending Allegations 

recklesslendingallegations@standardbank.co.za 

*Debt Review documents: Form 17.1; Form 17.2; Proposals; Court Applications; Court Orders 

**Debt Review Admin related requests: debit order cancellations; statement requests ; refunds; paid up 

letters; account closure instructions; settlement balances; or outstanding balances 

Other Standard Bank areas 

Credit Card 086120 1000 

Diners Club 0113588400 / 0860346377 

Vehicle Asset Finance Recoveries 0861102347 

Vehicle Asset Finance Collections 0861102347 

home Loans Pre Legal 0860102270 

home Loans Customer Service 0860123001 

Standard Bank Insurance 0860123911 

Deceased Estates 0861001868

ABSA TASK SPECIFIC DEBT 

ABSA TASK SPECIFIC DEBT REVIEW ENTRY POINTS 

REVIEW ENTRY POINTS 

Form 17.1 

DRCOB@absa.co.za 

Debit Order Cancellations 

Debitordercancellations@absa.co.za 

Proposals 

DRProposals@absa.co.za 

Exits from Debt Review 

17.4@absa.co.za 

All Court Documents 

Courtapp@absa.co.za 

DC Switches 

DCTransfere@absa.co.za 

Termination Queries 

DRTerminations@absa.co.za 

Queries 

debtreviewqueries@absa.co.za 

Escalated Queries 

debtreviewmanager@absa.co.za 

Call Centre 

0861 222 272

DC Query Process DC Query Process 

www.nedbank.co.za

AFRICAN BANK CONTACT DETAILS 

011 256 9323 

DebtCounselling@africanbank.co.za 

ESCALATION PROCESS 

COMING 

SOON

Debtfree DIGI July 2016

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