Debtfree Magazine March 2017

South Africa’s debt counselling magazine
IS DEBT
REVIEW THE
END OF FUN?
March 2017
www.debtfreedigi.co.za

What you can expect from Hyphen PDA:
• Increased Debt Counsellor Profitability
• Flawless Systems
• Meaningful Reporting
• Contented Consumers!
www.hyphenpda.co.za
Chris van der Straaten,
Head: PDA
082 557 0437
Malcom Povey,
Head: Operations PDA
082 445 5604

Don’t expect to hear an endless amount
of “spin” around why things failed!.
DEBT
REVIEW
AWARDS
WINNER
PAYMENT
DISTRIBUTION
CUSTOMER
SERVICE
INDUSTRY
SUPPORT
SOFTWARE
INTEgraTION

Debt Review Explained
Let’s be honest. We all spend a little too much occasionally. Maybe
we go a few bucks over the grocery budget or something unexpected
happens that we didn’t plan to pay for. Life happens. But when oncein-a-while
becomes almost-every-time, we end up over-indebted.
How to tell if you’re over indebted?
1. The money you have coming in, simply
isn’t enough to cover all the payments
going out. So you start missing
installments here and there.
2. You’ve probably had one or two calls
from creditors demanding payment.
3. You get that empty pit in your stomach
every time you have to look at your bank
balance.
4. You’re either thinking about or have
already tried going the consolidated
loan root, but that only made your debt
worse, because it didn’t address the core
issue of spending too much.
5. You’re more snappy, because you’re
constantly stressed.
6. Payday can never come too early,
because your bank account is empty
within the first week of the month.
It’s safe to say that if you are experiencing the
above symptoms, you are over-indebted and
a candidate for Debt Counselling.
Debt Counselling! Say what?
Debt counselling or debt review as it’s also
known, is a medium to long-term process
(depending on your level of debt) that
aims to clear your bad debt. This process
can only be done through a qualified
Debt Counsellor. After applying to a Debt
Counselling firm, such as DebtCare, you are
assigned a dedicated Debt Counsellor who
reviews your debt to see how to best assist.
Your DC then looks at your income and
expenses to determine what you can afford
to pay every month. This single minimum
amount covers all your debt repayments.
After this has been determined, your DC
contacts your creditors, informs them that
you are under Debt Review and negotiates
lower payments and interest. Once your
creditors agree, your DC will inform you to
pay the single minimum amount, which
your creditors share amongst each other.
Once your Debt Counselling process is
completed, life goes back to normal. Well
almost. Better spending habits and tighter
reigns on your budget will keep you out of
debt for good!
Watch video at www.debtcare.co.za

EDITOR’S NOTE
All work and no play makes Jack a dull
boy. So the saying goes and this month
we consider if there is any space within
debt review for consumers undergoing
debt counselling to have a little fun. We
know girls just want to have it, we’ve been
welcomed to the house of fun but how can
that work if you are on a tight budget and
paying all your available funds to your
creditors to get out of debt?
We also have some great articles about
going paperless in a digital world. It should
be easy. Right? Well, maybe not that easy, as
you will see in the article. We also get some
good advice in the Nutshell article this
month looking at sticking to good habits
during the Easter season. Interestingly,
this time of year is traditionally a period
where many consumers skip or short pay
their court ordered debt review payments
and fall out of the process. This then puts
them in a worse off financial position. What
a shame. So much wasted time and effort.
If you are having any financial difficulties
please talk to your Debt Counsellor as soon
as you can to get some advice.
We also have a large selection of the
latest news in the industry and a look at
the upcoming industry events. We have
some exciting news from both Consumer
Friend and DC Partner so be sure to look
out for those stories. We also get some
more information about the Annual Debt
Review Awards peer review process which
ramps up in April this year. As our readers
will know the whole Debtfree team tries to
help out with the organizing of the process
each year along with other volunteers. So,
we have the inside scoop for you. With
just over 2 months to go until the Debt
Review Awards gala, things are getting
interesting. If you are a credit provider or
Debt Counsellor you will also see how you
can take part this year.
So don’t be a dull boy. Take a few minutes
to have a little fun and read this issue. Why
not have a quick break and a cup of tea or
coffee while you give it a read? We hope this
issue helps you look at debt review in a new
way and to allow yourself to have a little fun
over all the upcoming long weekends and
short weeks. Short weeks make for short
months and before you know it between
all the work, fun and paying off your debts
you could soon be debt free.

don’t be a twit
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DISCLAIMER
Debtfree Magazine considers its sources reliable and verifies as
much information as possible. However, reporting inaccuracies
can occur, consequently readers using this information do so
at their own risk. Debtfree Magazine makes content available
with the understanding that the publisher is not rendering legal
services or financial advice. Although persons and companies
mentioned herein are believed to be reputable, neither
Debtfree Magazine nor any of its employees, sales executives
or contributors accept any responsibility whatsoever for their
activities. Debtfree Magazine contains material supplied to
us by advertisers which does not necessarily reflect the views
and opinions of the Debtfree Magazine team. No person,
organization or party can copy or re-produce the content
on this site and/or magazine or any part of this publication
without a written consent from the editors’ panel and the
author of the content, as applicable. Debtfree Magazine,
authors and contributors reserve their rights with regards to
copyright of their work.

CONTENTS
NO MORE FUN?
THE BIG LIE
DEBT REVIEW
AWARDS
NEWS
DEBT OR
WEALTH
SERVICE
DIRECTORY

HAVE SOME FUN
No Money – No Fun
We all enjoy the holidays. Why? Because we get to relax and
have a little fun. One of the things that gets squeezed out,
when we are having financial difficulty is all those fun things
we used to be able to do.
Suddenly, as the cash dries up, so too
does the fun. The worst part is that
when the money dries up and the stress
levels increase this is exactly when a
little fun might help more than ever.
So many of the things we enjoy doing
for fun cost money and when there is no
money for anything then those things
have to fall away. It makes no sense to
head off to the movies with the whole
family and spend hundreds of rand
when there is not enough food on our
plates. Cutting back on unnecessary
things is how we try deal with mounting
debt. Of course, sometimes the debt
simply grows out of control and we
need to get professional help. This is
wise and why the debt review process
was created.
So, what happens when a consumer
who is going through financial strain
approaches a Debt Counsellor for
advice? Is it the end of fun?

Credit ProteCtion – debt review
SuRe SuRe
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Restructuring your monthly expenses?
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• temporary disability – we pay the Debt Review payment
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• Permanent disability – we settle the account
• death • Critical – we settle • illness the death account –– we settle the account
• temporary • retrenchment disability • temporary – we we pay pay disability the the Debt Debt – Review we pay payment the Debt Review payment
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Review payment for up to 9 months
• Permanent disability • Permanent – we settle disability the account – we settle the account
• Critical illness • – we Critical settle illness the account – we settle the account
• retrenchment At a rate of R • – 2.95 we retrenchment pay per the R1000, Debt – our we pay the Debt
Review rates are payment among for Review up the to best 9 payment months and our for up to 9 months
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At a rate market. of R 2.95 At per a R1000, rate of R our 2.95 per R1000, our
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Counsellor! debt Counsellor!
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082 550 7294
sam Haasbroek: sam Haasbroek:
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082 550 7294 082 550 7294
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marijke wessels:
marijke 082 729 wessels: 3833 marijke wessels:
082 729 marijke.w@one.za.com
3833 082 729 3833
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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
LTD Managers Reg No. (PTY) 1996/008987/07
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Underwritten by:
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Underwritten Underwritten by: by:
A Member of A Member of A member of the A member of Group the Group
A Member of A member of the Group

HAVE SOME FUN
We Need To Have Fun
Employers will know that happy employees are more productive
and innovative in dealing with challenges that come their way.
Happy employees make for happy clients, which in turn makes
for a better, more profitable business. Parents will know that
their kids are more manageable when they get a chance to
‘let off steam’ and play. Kids love to play and it helps them
to learn and express themselves both of which are greatly
advantageous.
The bottom line is that humans have a
capacity to have fun. It is a built in desire
and ability. While we all enjoy many of
the same activities, each person has
things they particularly like to do for fun.
Obviously, fun needs to be kept in it’s
proper place or it can become addictive
and lead to a totally unproductive
existence. For those who find the
balance, having a little fun can help
greatly reduce stress and improve one’s
overall quality of life. their PDA. Some
consumers even think that the Debt
Counsellor handles their money and
sends them a statement. This is not
true. Either a PDA handles the payment
side of things or the consumer does it
themselves. Debt Counsellors are not
able to take funds from consumers
due to certain Terms & Conditions of
Registration* with the National Credit
Regulator (NCR).

South Africa’s
leading Debt Counsellors
Click through to
www.creditmatters.co.za
or call our national call centre on
086 111 6197

HAVE SOME FUN
THE BIG LIE
Fun Costs Money
We live in a very commercialized world which focuses on
moving money out of your wallet into the hands of business
owners. In fact, we may ourselves, spend all day, every day
convincing others they need our services and should pay for
them. As a result, much of what is considered “fun” these days
costs money.
Speak to an older person and they will tell
you silly stories about how they used to
play with a tyre and stick or homemade
doll and that was all they had growing
up. When compared to the demand for
Playstations, Xbox, the Cartoon Network,
a mini drone or the latest mobile phone,
those things seem archaic and simple.
Worst of all, they may seem boring.
However the reality is that many fun
activities cost very little if you can
drag your head out of the commercial
propaganda all around us. Most will
agree that it is often who you do some
fun activity with that can make or break
the occasion.
This shows us that we enjoy being with
people and friends won’t charge you for
their time. The fact that older ones who
played with simpler items and lived a
less technological life and still had fun
teaches us that gadgets are not needed
to have fun.
Many older ones long back to the days
of their childhood for the simplicity and
fun they were able to have. Watch a
young boy climbing a tree, pretending
to be Spiderman and having fun with his
friends and you will wish you could find
pleasure in such simple fun. The truth is
you can. Having fun does not have to
cost money or a lot of money.

HAVE SOME FUN
Is Debt Review the End of Fun?
Entering Debt Review is admittedly a
big change. A good one but a big one
as it influences so many aspects of your
life not just your debt repayments.
Primarily it is a change from an instant
gratification lifestyle to a more thought
out, planned way of living.
Budgeting is central to the whole
debt review process and when a Debt
Counsellor helps a consumer reevaluate
their monthly spending habits it can be
a little tough at first.
At the same time the Debt Counsellor
strives to be realistic which is an area
some of us struggle with when planning
our monthly finances. They may see
gaps where we are not spending
money like we should. Perhaps they
see a consumer has a vehicle financed
but has neglected to have insurance as
required by the terms and conditions of
their contract with the bank. They may
see we spend lots of money on snacks
at work but have not set money aside
for our kid’s school clothes and books in
January next year.
A good Debt Counsellor balances the
needs of both creditors and consumer.
So, he may cut some of the money we
previously used for fun out of the budget.
Here it is important to remember though
that fun does not have to cost lots of
money. We may simply need to think a
little differently about the topic.

HAVE SOME FUN
Have Some Fun
If you are under debt review or experiencing debt stress then
you might want to consider some ways to have fun that don’t
cost and arm and a leg. Alternatively you may want to slowly
save up funds each month to do something that costs a little.

HAVE SOME FUN
Free Stuff
Many stores hand out loyalty cards
which can be filled for free over time IF
you are sneaky and patient.
Does your company send you out for
lunch? Does the shop you visit give you
stickers or stamps when you go there?
Can you ask your friends for their stickers,
points or stamps?
You will find that getting the stamps
will soon be half the fun and the free
smoothy or coffee is just the cherry on
top.
Many companies like Vida e Café and
the Table Mountain Cable Car will also
give you free stuff on your birthday.
Head over to the library and enjoy
online access or a good read (a small
membership fee may apply).
Things like soccer, frisbee or cricket
can be enjoyed as long as one of your
friends has a ball and bat or similar items.
Getting the team together once a week
on the weekend can be a great stress
reliever and a lot of fun.

HAVE SOME FUN
Free Stuff Online
Free Stuff
If you have access to the internet and
have budgeted for it with your Debt
Counsellor, you can also find many free
things online. Many have enjoyed the
numerous free resources of books that
can be read, music that can be listened
to or games that can be played. Often
they are slightly older which is normally
convenient since you will not need the
latest and most expensive technology
to enjoy them.
A lot of parents panic at the prospect of
perhaps having to cancel their satelite
TV in an effort to save funds. Well if
you have web access you will find that
children enjoy watching Youtube videos
as much as they would a pay tv cartoon
channel. Many of the shows are also
educational like Pancake Manor.

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

HAVE SOME FUN
Get Fit
Being fit and healthy is a great form of
having fun. Sure it takes a little sweat
but it is worth it. You see people across
the country streaming to gyms. These
facilities offer convenience and the
latest equipment at a cost.
It is important to realize though, that
many forms of exercise can be engaged
in for free (or very little expense). A lot of
the time, you just need a safe place to
work out. Why not ask a group of your
friends if they would like to go for a jog,
as a group or a cycle together. Ask the
girls to come around to try those Kayla
exercises or a pilates session.
The guys can dig in the back of the
cupboard or their friend’s garage to find
some old free weights that were starting
to rust. It might be time to finally use
those workout gadgets you couldn’t
help yourself from buying a few years
back. Who knows? They may even work.
Cross fit has become a popular form of
exercise recently but if you think about
it, it seems to revolve around working
out without all that fancy equipment.
No, you don’t need to go buy a tractor
tyre to do cross fit and you don’t need
to spend lots of money to get in shape.

HAVE SOME FUN
Nature
There is a wide world out there.
Sometimes we just get so busy we
never get to see it. There are beautiful
mountains, forests, rivers, waterfalls and
even some of the world’s best beachs.
Why not get a group of friends together
and explore nature. Some areas have
fantastic day hikes which can be enjoyed
even in your old takkies (don’t fall into
the “I need to shop for new boots” pitfall).
Season dependent you may be able to
head to the ocean for a swim or perhaps
your local swimming pool. A little fresh
and and sunshine can go a long way to
putting you in a good mood.

HAVE SOME FUN
Spend Wisely
Not all fun can be had without spending.
Some activities are just too expensive.
This means that some things will not
be possible. Goodbye helicopter-ridebungee-jumping.
However with some
saving you may find you have a little
cash on hand which might be used for
something fun. You may find that there
are other less extravagant options that
you can engage in with a minimum
spend. With some careful budgeting and
shopping each month you may be able
to set some funds aside for something
special. You may want to occasionally
spoil yourself, your partner or your kids
without going over the top.
Some restaurants offer two burgers for
the price of one or a wacky special on
certain foods on certain days. With some
saving and good planning you can take
advantage of these specials and not go
overboard when you do what to splash
out a little. The key here is restraint.
Certain restaurants offer such large
portions that two people can share on
meal (try Eastern Food Bizarre in the
Cape Town CBD). It takes keeping an eye
out and watching your spend.

The Aquarium
Some cities, like Cape Town, have
an aquarium which is both fun and
educational for kids and adults alike.
Let’s be honest who does love Nemo
and his friend? Fish are our Friends. The
Two Oceans Aquarium offers a 10%
discount to those who book online.
Pensioners qualify for discounts as well.
If you plan to take your kids regularly
throughout the year, you could explore
their membership option. For the price
of 3 visits members get unlimited access
through the year. IF you have saved for
it and if this will be one of your main
activities then it is worth investigating.
Movie Night
While it is certainly cheaper to enjoy TV or
a movie at home, you may occasionally
want to head out on date night to the
movies or catch that ‘must be seen
on the big screen’ movie. Well, if you
belong to certain insurance providers or
other loyalty programmes you probably
can also get discounted movie tickets
for those movies which just have to be
seen on the big screen. This takes good
planning and self control as they might
give you a cheap ticket hoping you will
blow your money on the snack. You
have been warned!

Is Debt Review the End of Fun?
Yoda dog says:
NO
Debt Review does force us to re-evaluate
how much money we spend to do some
fun activities. But with a little saving and
cunning there is a world of fun out there.
From chilling by the fire and reading a
book to just getting together with your
friends with some popcorn and a movie
(they bring the movie) you can have a
good time without spending lots of
money. In fact, saving money while still
having fun can be very satisfying. So go
get fit, go play some sport and get out
there for some fresh air. Take the kids to
the park to play or to the beach to build
sandcastles. Blow off some steam. Have
some fun.
Have some fun.
You deserve it.

CALL FOR SOUTH AFRICANS
TO CONTROL THEIR DEBT AND
STICK TO A BUDGET
South Africans are more cash-strapped than ever. A slumping
local economy, paired with a downturn on the global commodity
price cycle; a vicious drought; and increasing interventionist
economic policies are just a few of the issues that have
contributed to growing high household debt burdens and rising
debt service costs. Statistics from the National Credit Regulator
show that up to 10 million South Africans are severely
in arrears on their debt and would greatly benefit from debt
counselling.
“According to a World Bank report in
2015, we live in the most indebted
country on the planet. And it doesn’t
look like things are going to turn
around any time soon. Millions of people
are at the end of their rope. Enough
is enough. As a nation, we are drowning
in debt,” explained Ian Wason, CEO
of DebtBusters.
“It is very easy to get into debt on your
own, but almost impossible to get out
of debt on your own. We know that
many South African consumers often
have little understanding of how they
got into this situation and how to get
out. We see that the majority of searches
on Google are for consolidation
loans, not for debt counselling. People
need to know that there are ways to
get out of their debt. We are reaching
out to South Africans to help them do
something before it gets out of control,”
he continued.
DebtBusters’ new TV ad shows how
easy it is to fall into debt, which can feel
overwhelming, but that it is possible

to take control of the situation and get
back on track. The ad portrays the burden
of debt and the anxiety it invokes
in people, and follows a man living with
the constant stress felt by the indebted
while maintaining the semblance of
normality. It shows a number of different
kinds of people that are suffering
from out-of-control debt. It shows that
everyone, to some extent, suffers from
debt, and that many people have debt
that they hide from others. However,
those that are smart about it, can manage
it.
“We wanted to look at the real stories
of real people and how they have been
affected by debt. We want people to
know that there is a way out. We are
here to help,” finished Wason.
Wason believes firmly in giving people
a second chance at a brighter financial
future: “Over the course of the past
five to ten years, rising food and petrol
prices, a weakened Rand and rising
interest rates have hit consumers’
pockets so hard that entering into a
personal loan agreement has become
a commonplace solution to making
ends meet. Unfortunately, this has led
to a crippling debt spiral. But it doesn’t
need to be like this, which is why we
are determined to do everything we
can to help,” says Wason.
DebtBusters believes in giving South
African consumers a second chance to
build a brighter financial future - there
is life after debt. In order to achieve
financial freedom after debt review,
successful planning and budgeting is
required. Millions of South Africans are
battling to stick to a budget, and at
month end consumers often resort to
taking out more debt to supplement
their income, even using expensive
short-term debt to pay for basic living
expenses. To ensure that you do
not find yourself in this financial stress
you need to set up a monthly budget,
which is closely monitored and followed.
Drawing up a budget requires
a lot of discipline, and even more discipline
is needed to adhere to it. Sticking
to your budget will assist in tracking
spending, planning and debt management,
and will enable you to enjoy a
debt free life.
Managing debt is an essential skill in
today’s financial world. We all have a
responsibility to ensure that we do not
become part of the problem but rather
part of the solution. In an age where
economic conditions are deteriorating,
responsible debt management is essential
for a brighter financial future.
To see DebtBusters’ TV ad: https://www.youtube.com/watch?v=ClbSdtsWxiM

INDUSTRY
CONSUMER
NEWS FLASH
For daily debt counselling news in 3 minutes or less visit www.debtfreedigi.co.za
NCR Takes Wesbank to
the National Consumer
Tribunal
The National Credit Regulator (NCR)
has referred Wesbank to the National
Consumer Tribunal (NCT) for what it
sees as breaches of the National Credit
Act (NCA). The case revolves around
collections practices by Wesbank’s
agents who the NCR say have been
sneakily coercing consumers into
handing over their car keys when in
arrears.
The case followed an NCR investigation
into Wesbank’s debt collection practices.
While it is totally legal for a consumer
to decide to surrender goods that they
have purchased and for these goods to
then be sold (or stored and later once
the arrears are paid up returned) this
needs to be the consumer’s decision.
Jacqueline Peters, NCR manager
investigations and enforcement
says that this right is usually used in
connection with “motor vehicles that
are bought under installment sale
agreements which can be returned
voluntarily by defaulting consumers to
credit providers”. Alternatively, where
consumers do not wish to hand over the
vehicle, credit providers are able take
legal action to enforce their rights.
When this happens the credit provider
can eventually send the dreaded sheriff
of the court to repossess the goods. They
are only able to do this after certain legal
steps have first been taken. Such steps
include the bank sending a Section
129 letter suggesting debt review or
settling the arrears, after some time a
summons, then getting a court order
and a ultimately warrant. After that they
need to send out the sheriff to serve the
warrant. This takes time and needs to
follow a precise order of events.
Peters says that: “The investigation…
revealed that Wesbank, through its debt
collection agents, coaxed defaulting
consumers into relinquishing possession
of their motor vehicles”. It seems,
that they got consumers to surrender
their vehicles in a way that made the
consumers think they absolutely had
to hand over the vehicle to collections
agents when, in fact, they had a choice
not to. Pointing to the issue Peters
continues: “This procedure undermines
the voluntary nature of the surrender

NEWS CONTINUED
process”. It also keeps consumers from
exercising their other rights under the
National Credit Act.
The NCR remind consumers that when
they default on their vehicle payments
they should consider the suggestion
made in the Section 129 demand letter.
Mz Peters says: “The consumer also has
the right to apply for debt review” and
that consumers should be aware that
“a credit provider can only repossess
a motor vehicle from the consumer if
there is a court order authorising the
credit provider to do so”. Consumers
should not believe just anyone who
comes along, claiming to be from a
credit provider, saying they “have” to
give their car back because they have
some mysterious papers showing the
consumer is in arrears even if they look
like legal documents. Consumers in
this situation should feel free to take
video on their phone of these so called
collections agents and send them away,
if they wish. They should then be swift to
contact their creditor to make payment
arrangements or contact their local Debt
Counsellor.
NCT Hand out R180 00 fines
to Two Debt Counselling
Firms
Many years ago, when a credit provider
took advantage of a paperwork mixup
between two Debt Counsellors, the
consumer involved came under a lot
of pressure and made some decisions
which later left them unhappy. This lead
to the consumer eventually complaining
to the National Credit Regulator (NCR).
The cause of many of the problems in the
matter began with how Debt Counsellors
used to try transfer consumers from
one Debt Counsellor to another Debt
Counsellor, back in the day, using the
17.4 form. This was the norm many
years ago when debt review was in it’s
infancy. The entire transfer process only
recently became more defined with
some additional industry-created forms
now being commonly used (a 17.4 is no
longer one of them) but admittedly the
transfer process still remains somewhat
problematic. Seeing a gap, caused by
how the paperwork was handled, the
credit provider decided to go after the
consumer rather than continue to help
through debt review.
After looking over the complaint, the
NCR took the matter to the NCT asking
for fines and that the Debt Counsellors
be deregistered. The NCT did not feel
that deregistration was an option but
did hand down fines to three individuals.
The fines totaled R180 000 between
the three individuals involved - two
of whom are Debt Counsellors. Two
issues came to light in the case. Firstly,
that it is important for a consumer to

NEWS CONTINUED
know exactly who their registered Debt
Counsellor is even when they deal with
multiple Debt Counsellors at the same
firm. They should also not be confused
about the status of anyone just assisting
Debt Counsellors. The second issue
raised, is that Debt Counsellors must be
careful not to allow others to act on their
behalf and should ensure they only sign
forms they are fully aware of.
DC Partner Announce
Exciting Event
Payment Distribution Agency DC Partner
will be hosting a full day seminar for
Debt Counsellors and related industry
members on the 11th of May 2017, in the
Western Cape. The seminar will feature
several speakers and presentations on
industry related matters during the full
day event which will be hosted at the
Stellenrust Wine Estate in Stellenbosch,
Cape Town. For more info, head over to
their website.
year, had handed in retrenchment letters
as supporting documents along with
their request. Consumers in this situation
can also often claim fromt heir credit
insurance which will cover minimum
monthly repayments for several months
while they search for new work. It has
been a hard year for most consumers in
the country and many businesses have
suffered. Capitec however, took on an
amazing 1.3 million new clients this past
financial year and opened another 76
new stores.
Consumer Friend
Announce Roadshow
Consumer Friend represents multiple
credit providers in the debt review
space. They work closely with Debt
Counsellors each day to facilitate debt
restructuring for consumers. Consumer
Friend have been active in the industry
for a long time and have taken a
number of awards over the years at the
Annual Debt Review Awards. Recently,
Capitec Clients Feeling
the Pinch
A depressed economy is hitting clients
of Capitec hard as the bank reports that
the number of their clients applying for
debt review during the past financial
year increased by 20%. Capitec report
that 15% more clients than the previous
For daily debt
counselling news in 3
minutes or less visit
www.debtfreedigi.co.za

NEWS CONTINUED
Consumer Friend announced that they
will be traveling the country with a
roadshow aimed at Debt Counsellors.
The roadshow will start on the 11th of
May in Bloemfontein, before heading to
Stellenbosch on the 15th &16th. Next
they are off to PE on the 18th &19th
before heading to Jo’burg for the 22nd &
23rd. Their country tour ends in Durban
on the 25th of May. They are currently
inviting all Debt Counsellors to let them
know if they would like to attend. There
are rumors of an exciting launch that
could change the way debt review is
done.
FNB Launch Campaign To
Educate 11 000 Branch
Staff
Debt Counsellors and consumers
often find that when they talk to bank
staff at a branch level they are not as
knowledgeable about the debt review
process as the specialized debt review
departments within the banks. This is one
of the reasons why FNB have launched a
campaign to educate over 11000 branch
staff about how debt review works and
what to do when dealing with a client
who is undergoing debt review. At a
recent workshop with FNB in Gauteng,
Debt Counsellors asked that the training
also cover the often contentious issue of
debit order cancellation.
NCR Transfers Backlog
At the recent NCR workshop the NCR
discussed the challenges surrounding
the long time it takes for consumers to
be transferred from one Debt Counsellor
on their website data base to another.
The reported that due to high amounts
of backlog in 2016 many in the office
had to stop doing their regular work
and assist with transfers. This drive
apparently lowered the backlog from
9000 requests to only 2000. However,
after the drive, once things went back to
normal, so the number of request began
to grow again. Currently the request
list is somewhere back up around 9000
names long.
ABSA Debt Review Centre
Begin New Training
As of March, the ABSA debt review centre
will be holding weekly training sessions
with staff on Monday afternoons. As a
result they are closing their call center
slightly early on Mondays at 3:30pm.
They ask that Debt Counsellors keep it
in mind when trying to make contact.
Eagle Cash Loans Shut
Down
After an NCR investigation into claims
of reckless lending and contraventions
of the National credit Act, the National

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
don’t be a twit
http://twitter.com/Debtfree_DIGI

NEWS CONTINUED
Consumer Tribunal (NCT) has ordered
the deregistration of Eagle Cash Loans.
The NCR investigation found that not
only was the creditor recklessly lending
to those who could not afford to repay
the loans, they were also taking peoples
IDs and Bank cards. This is illegal. As a
result the NCT also handed down a R250
000 fine.
Loan Sharks Ordered To
Register
The NCR recently took 6 unregistered
credit providers to task for lending
money for profit without having
registered with them as required by law.
Changes to the National Credit Act now
mean that there is no minimum amount
that one has to loan or minimum amount
of clients before a person or business
needs to register as a credit provider,
if they charge fees or interest on loans.
The 6 unregistered credit providers have
been given a short time to comply and
register.
Relief For Some In R699
Scheme
When the R699/Satinsky car advertising
deal fell through, thousands of consumers
were affected. When their monthly
car repayment premiums suddenly
shot up and they could not afford to
make payments, the creditors began
to contemplate repossessing vehicles.
At the same time Debt Counsellors,
Politicians, consumer rights activists
and those affected began to ask if they
had been victims of reckless lending.
The NCR launched an investigation into
some of the cases (it seems around 70 of
the thousands of matters) and recently
came to an agreement with ABSA. ABSA
have agreed to pay a R10 Million fine
and to come to an arrangement with
the affected consumers, which will
enable them to retain their vehicles and
make manageable repayments each
month. Though this is a small victory
and will greatly assist these consumers,
the public are asking is the fine enough,
what happens to the other creditors and
consumers? The NCR have said that they
intend to lodge a case against Satinsky.
Debt Review Awards Gala
Date Announced
The date of the 2017 annual Debt Review
Awards gala has been announced by
the organisers. This year the event will
happen in Gauteng on the evening
of the 10th of June 2017. Attendance
at the red carpet event is by invitation
only. The event sees the results of the
industry peer review announced and
Golden Piggy banks awarded to Debt
Counsellors, Credit Providers and PDAs.

SIGN UP TO BE CONSIDERED FOR THE
2017 Debt Review Awards
CLICK HERE TO REGISTER

Debt Review Awards
Peer Review
The annual Debt Review Awards peer review process has been
underway for a little while and ramps up drastically during
April and May. During this time, many credit providers and
Debt Counsellors will get to review how the other side of the
industry is doing.
This involves clicking on a few buttons online regarding various facets of the debt
review process and the recent performance of various industry role players. By
getting many different individual firms to participate, a global opinion is formed
as information from all those who participate is collected on the backend database
attached to the peer review. Every peer review matters and we are inviting all
Debt Counsellors and Credit Providers to participate. Why not help promote good
business practice through the peer review process?
Be A Winner
We also invite you to be eligible to win Awards by registering:
If you do not register participants may still review you but you may not be eligible
for an award at the Awards Gala which will be held on the 10th of June 2017
CLICK HERE TO REGISTER

IN A NUTSHELL
Increasing Debt or
Building Wealth
during the holidays?
The months of March and April are characterised by the number of
public holidays. This is something to look forward to if you’ve planned
to take leave over this period and take advantage of this benefit.
However, during holiday periods consumers tend to ignore their debt
obligations, aggravating their financial burden.
As a Debt Counsellor, it may be
worthwhile to remind your consumers
to exercise caution during these months.
Holiday periods tend to illicit ‘false
bubbles’ of consumer confidence, which
lead to overspending. Overindebted
consumers need to develop good
money management habits, which will
ultimately shift them from the state of
overindebtedness into a state of wealth
building.
Stick with your good habits
The challenge with holiday periods

is that good habits, particularly those
associated with money management
can change. The Merriam-Webster
dictionary defines a ‘habit’ as “a usual way
of behaving: something that a person
does often in a regular and repeated
way.” Changing your habits during the
holidays not only affects behaviour at
that time, but the risk is that it continues
long after the holidays are over.
Plan ahead, this may seem obvious, but
are you planning for what you can afford
rather than what is desirable?
Plan ahead
Get your kids involved and make handmade
gifts during this time of year,
for example, your own hand-made
chocolate gifts for Easter. Commit to
only ‘spoiling the children’.
Prepare homemade meals and limit the
high cost of ‘eating out’. If you planning
day trips pack some snacks or a family
lunch box. Picnics can be cost effective
family fun filled days.
The holidays and Easter period are a good
opportunity to get the family together.
Share the financial responsibility and
ask people to help contribute towards
the meal, either drinks or a dessert.
Avoid the malls over this time of year. If
you have to shop, go with a list and a
defined budget and don’t get swayed by
all the tempting specials and advertising.
Leave your credit cards at home, take enough cash to get you through the day.
This will eliminate the temptation to overspend. The process of planning, being
creative, and making good memories, is a wise approach to the upcoming holiday
period.
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

AND THE
WINNER IS...
Announcing the Winners
of DCM’s annual DC competition
Debt Counsellors were selected
based on their achievement across
the following three categories
relative to their business size:
1. Number of new applications
2. Conversion rate of new applications
3. Churn rate
Congratulations to the three
winners of an exotic holiday:
Zerodebt: Chris Craven
NCDS & Solutions T/A Debtcare: Cadle Odendaal
Help U Debt Counsellors CC: Belinda Driskel

Professional Debt
Counselling Attorneys
Tel: 021 872 1968
11 MARKET STREET, PAARL
www.steyncoetzee.co.za

The cost of
printing and paper
The cost of printing and paper is a major part of most Debt
Counselling firms’ overheads and the smaller the firm the bigger
the overhead.
In 1999 Bill Gates said “The paperless office, like artificial intelligence, is one of those ‘any
day now’ phenomena that somehow never seem to actually arrive.” 18 years later in 2017
this is still largely true and we have to ask ourselves why. There are two reasons – human
and technological.
HUMAN
Here’s the truth. I have owned a tablet for nearly six years now. I confidently use it to
get stuff off the internet and even to do my banking and yet I still get my Sunday Times
delivered every week and I still go to the bookshop to buy books. The reason? Well actually
I like spreading the paper out and I like the smell and feel of the book in my hand. It is
familiar and it is comfortable, so why would I want to read on a piece of technology even
if it is better?
This is called resistance to change, the natural instinct to stay with what is comfortable
and is the number one stumbling block to getting rid of the paper.
Technology
There are a number of technical issues that have stood in the way of the realisation of
digital offices. These centre around the quality of the document image of a scanned
document, the concern about the ease at which am electronic document can be

tampered with and the storage space required to hold the documents, as well as
the security of the documents themselves. And how do you get a signature onto an
electronic document?
The Paperless
Debt Counselling Practice
In order to implement the paperless office a Debt Counsellor needs to make a firm
commitment to getting rid of the paper. Look at the office and see where paper is been
produced unnecessarily and then seek ways to eliminate it. Staff can be offered incentives
for not printing documents and in time the comfortable habits will break.
Needless to say, the technology needs to be right to support the paperless office and this
is where Maximus comes in. Maximus produces and stores all documents necessary to do
the Debt Review. These documents need never be printed except for the Courts. Good
news is that Maximus will also cater for digital signatures pretty soon.
This means that consumers will be able to sign docuemnts without them ever having
been printed – and that signature is admissible in Court! A digitally signed document
cannot be tampered with and the signature is as good if not better than an ink on paper
one. Storage is not a problem as Maximus stores all documents automatically and securely
in the cloud.
Maximus always stays on the forefront of technology to help
Debt Counsellors work quicker, smatter and better.
Till next time
Max
Next month we look at the information
you need to run a successful practice.
Contact Maximus on 011 451 0041

Die Republiek van
SKYT AFRICA
‘N maand is verby en danksy julle ondersteuning en positiewe
kommentaar is ons nog steeds aan die gang. As daar spel foute
was blameer die redakteur, ek werk nog aan sy Afrikaans – sorry
Zak!
Nou ja ek het laas verkondig dat daar altyd
n humoristiese aspek in die meeste dinge
in die lewe is maar die politieke woeling
rondom onse Minister van Finansies sal
enige regdenkende persoon skyt bang
maak. Ons normale mense verdien nie
geld in $ nie en ons het ook niks om uit te
voer om $ te verdien nie so dit is moeilik
om iets snaaks in hierdie situasie te sien.
Dit is mos nie snaaks om kaalvoet in nat
hondebollie te trap nie behalwe vir die
person wat dit waarneem. Ai, Afrika is
mos nie vir sissies nie maar dit voel of ek
aan ‘n bang babelaas ly.
Die eerste langnaweek is verby en vir die
van ons wat met Jantuisbly se karretjie
gereis het weens finansies, of ‘n gebrek
daaraan, moes maar toe kyk hoe die
ander helfde met 4X4’s gepak met
bergfietse, quads, karavane, motorbote
en wat nog al verby ons flits. Ons oppad
werktoe, hulle oppad na waar ookal
hulle vet beursies hulle kon neem. Is ek
suurgat? Nee maar dit voel net bleddie
onregverdig, miskien doen hulle dit op
hul kredietkaarte, pasop, is al wat ek
kan vermaan, moenie dat jou volgende
opdraande skuldbult is nie!

Komende April het nog vakansiedae
en in baie huishoudings gaan daar
kinders wees wat moan dat Jannie , die
skoolvriend, weg is met vakansie en ons
moet verveeld by die huis sit, daar is nie
n maatjie om mee te speel nie, dis nie fair
nie. Is daar n kits oplossing? Ongelukkig
nie maar as die son skyn en daar is nog
‘n geldjie om ‘n braai te hou is die Kaap
nog Hollands. Al het die braai gekrimp
na hamburger patties dan noem ons
dit maar n barbeque en verbeel ons
dat ons in die US of A is, miskien nie
perfek nie maar dit is nie nodig dat ons
‘n doodskleed oor ons gemoedere trek
nie. As vleis nie op die spyskaart is nie
kry n ou pan en laat die kinders help om
pannekoek te maak, ja sommer op ‘n
vuurtjie.Luister musiek, vertel die kinders
van die ou dae en deel jou drome.
Groete van die Republiek van Skyt Akfrika. Ons gesels met
julle ondersteuning volgende maand weer.
Christo Hattingh
Kyk gerus my LinkedIn profile:
https://www.linkedin.com/in/christo-hattingh-351a52130/
* Seriously please do let us know if you found this article to be
funny/offensive/amusing/interesting feedback@debtfreedigi.co.za

Debt Counsellors Associations
Announcement Board
Regional Meetings
Kwa-Zulu Natal: 19/05/17
Western Cape: 23/05/17
Gauteng: 23/05/17
Freestate: 12/05/17
Eastern Cape: 21/07/17
The Date of the DCASA Annual Conference is
Wednesday the 16th August 2017
Check out this huge banner that someone
draped over the N1 highway in Joburg:
http://ewn.co.za/2017/01/09/fnb-customertakes-fight-with-bank-to-the-streets
www.dcasa.co.za
www.newera.org.za
1. The Executive committee will hold its first
meeting by end of March 2017
2. The main focus in 2017 is on ensuring that all
BDCF members comply with all legislation,
regulations and conditions of registration.
3. Our communication channels will be
strengthened to enhance accessibility by
members.
4. Special projects will be launched around April
in areas such as Incapacitation or death of DCs,
usage of PDAs by consumers, as well as fees.
5. Members and supporters will be fully engaged
when the projects are launched to ensure
maximum input and participation.
www.bdcf.co.za
Want to attend an AllProDC meeting
in your area next month? We will be
discussing professionalism, new DC fees
and possible amendments to the Act.
Let us know:
bernidene@csdebtcounselling.co.za
www.allprodc.org

march
NEWSLETTER
Regional Meetings
At the recent AGM it was highlighted how important it is for our members to get to meet
face to face (in addition to meeting online and chatting on Facebook). It allows for an
exchange of experience and offers the chance for members to discuss regional issues that
are particular to their area. We invite members to offer to host a regional meeting at their
facilities. Those wishing to host a meeting can email: bernidene@csdebtcounselling.co.za
who will then be able to notify local members and find a convenient date.
DC Fees and Amendments to the NCA
As yet it seems that the NCR still intend to find an Actuary to review the 3 possible fee
structures that were proposed after their recent research. AS yet the possible fee structure
has not been made available for comment. We invite members to discuss this topic on
the facebook page and at their regional meetings. We also ask that members continue to
discuss possible amendments to the NCA which will improve the debt review process or
bring clarity to the process. We would like to compile all the suggestions from our members
to present to the relevant parties in the near future.
Membership
Debt Counselling is a very complicated professional process that needs to be well
managed. The Alliance of Professional Debt Counsellors want to ensure that members
are up to standard and offer professional services as our name reflects. This topic will be
on the agenda for regional meetings. We urge all members to maintain a high level of
customer service and professionalism. If you are a professional Debt Counsellor who would
like representation and the benefit of resource sharing then please contact our association
secretary on bernidene@csdebtcounselling.co.za
www.allprodc.org
FACEBOOK: www.facebook.com/AllProDC / TWITTER: www.twitter.com/AllProDC

FINWISE - Innovative Debt Management Program
No monthly program fees!
Accessible on PC or Desktop
• Excellent audit trail
• Workflow management
• Easy to navigate functions
• Quick data capturing
• DCRS and standard proposals
accommodated.
‘’ I was pleasantly surprised by our experience and changeover to Finwise. The
new system is intuitive and easy to understand.‘’
Debt Counsellor Eastern Cape
‘’ I’ve found the Finwise system to be very useful. I’m new in the debt counselling
field, I managed to find my way around the system as it is very user-friendly. The
training manuals provided are also helpful and informative.’’
Debt Counsellor Gauteng

BUSINESS SUCCESS - THE “GO-GETTER” APPROACH
Various things like good financial management and quality products are vital to run a
successful business. Human capital, however, is the driving force in any business and
can make or break a business. Looking at successful businesses, they are high energy
and the staff are passionate, motivated and believe in the business objectives. The
‘’go-getters’’ see opportunities in every situation and when interacting with clients,
they instill trust with the positive image they deliver about the organizations they work
for. Persons with a ‘’can do’’ attitude are needed in all walks of life, the ones who say
yes to change because change means growth. What kind of business leader or person
are you? Challenge yourself to be a go-getter with a can do attitude and align your
company with businesses practicing the same good conduct.
Some Qualities of the ‘’Go-Getter’’
• The go-getter attitude does not hesitate; he/she thinks, when do I start?
• The go-getter attitude does not ponder whether he/she can, they know they can
get it done with collaboration and action.
• The go-getter believes in him/herself, and the company. He/she believes in the
times ahead and wants to be a key part of it.
• The go-getter sees continual change as a recurrent opportunity.
• The go-getter only knows one way of doing and living: with bravery,
self-assurance, passion and integrity.
Why settle for less? DC Partner is positively orientated towards change, growth, industry
development, product enhancement and delivering high quality customer service.
Article by: Petro de Beer
Say yes to change, say yes to a company with a
‘’Can do Approach ‘’ and a ‘’Go-Getter team’’!
Head Office 59 Victoria Street, George
Telephone 044 873 4530 Fax 086 246 2450
www.dcpartner.co.za

JOBS
apply for your dream job now
Join the
Meerkat Team
An exciting place to work!
Meerkat are looking for:
Frontline Sales Agents
to join our energetic team.
This is a great opportunity to become part of a fast-paced, high growth
and professional debt counselling environment.
We offer a consistent hot lead flow as well as an aggressive remuneration model.
If you are looking for a company with an entrepreneurial spirit at its heart,
and are keen to join a dynamic, hardworking but fun team contact us.
We would love to hear from you!
Mail us on info@meerkat.co.za
www.meerkat.co.za/careers/
MyMeerkat (PTY) Ltd. Meerkat is an authorised financial services provider (FSP 46535)

DEBT COUNSELLING
COMMUNITY SUPPORT
Debt Review Is A Marathon Not A Sprint
Would you sponsor R100 if our DCCS runner could finish the Two Oceans Marathon?
We put in the blood, sweat and tears and you put in R100 but ONLY IF OUR RUNNER MAKES IT.
DEBT COUNSELLING
COMMUNITY SUPPORT
We then use those funds to support DCCS projects and help those vulnerable debt review
clients who are in desperate need of assistance to stay in the process.
To sponsor contact:
bernidene@dccsupport.co.za
Check out our website for pictures, stories and more and as always if you would like to get
involved in one of our projects (like our back to school project for Jan) then we ask that you
simply email admin@dccsupport.co.za

click the c
Service D
Debt CounsellORS
Support
services
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FINANCIAL
FINANCIAL
PLANNING

irectory
aTEGORY
DO YOU WANT TO LIST
YOUR COMPANY?
directory@debtfreedigi.co.za
LEGAL
CREDIT BUREAUS
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CREDIT PROVIDER CONTACT
DETAILS & ESCALATION PROCESS

Debt CounsellORS
Gauteng
KwaZulu-
Natal
Free State

Limpopo North West Eastern CapE
Mpumalanga Northern Cape Western Cape

Gauteng
PENNY WISE
Cathy Foster
Debt Counsellor – NCRDC1977
Penny Wise Debt Counselling
Tel: (011) 679 1540
Fax: 086 719 3378
Mobile: 083 298 4467
Email: cathy@pennywise.co.za
www.pennywise.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
MV Business Empowerment
9 River Road
Morning Hill
Bedfordview
(next to Eastgate mall)
Tel: 083 490 3339
velaphi@infitech.co.za
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
CCDC
Consumer Care Is our Priority.
Tel: 018 462 4263 / 073 624 6949
Email: info@ccdc.co.za
www.ccdc.co.za

Debt Review Specialists
23 Coronation Road
Mithanagar
Tongaat
4399
Tel: 071 222 9481
Tel: 032 944 3446
admin@kmadebt.co.za
www.kmadebt.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
KwaZulu-
Natal
Restore your
financial wellness
Our Debt Management
Process is Easy!
DEBT
REVIEW
AWARDS
Telephone
031 303 2448 / 084 250 2356
www.debtfinesse.co.za

Helping you to get back on your
feet and on the road to recovery
The Square
250 Umhlanga Rocks Drive
Umhlanga
Durban
4319
Tel: 031 566 2029
Tel: 071 902 4445
info@mnmdebtrecovery.co.za
www.mnmdebtrecovery.co.za
Tel: 0861 123 644
Email: info@debtrescue.co.za
National Debt Advisors
Fighting For Consumer Justice
Tel: 021 007 1688
www.nationaldebtadvisors.co.za

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
Free State
Tel: 0861 123 644
Email: info@debtrescue.co.za

Limpopo
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
Depopulating a generation of over
indebted and populating a debt free
generation.
Office no 2, 5 A Schoeman Street,
Polokwane
Tel: 0152912731
Tel: 0877028518
Email: admaau66@gmail.com
www.maaudebts.co.za
SMS Salary Management Services
Annerien de Jager
Registered Debt Counsellor
NCRDC0075
015 307 2772
info@smslimpopo.co.za
Tel: 0861 123 644
Email: info@debtrescue.co.za

National Debt Advisors
Fighting For Consumer Justice
Tel: 021 007 1688
www.nationaldebtadvisors.co.za
Tel: 0861 123 644
Email: info@debtrescue.co.za
Mpumalanga
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

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
North West
Depopulating a generation of over
indebted and populating a debt free
generation.
Tel: 0861 123 644
Email: info@debtrescue.co.za
Office No. 6, Prime Pharm Building,
36 Dr Nelson Mandela Drive
Tel: 0186320053
Tel: 0877026744
Email: papi@maaudebts.co.za
www.maaudebts.co.za

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
Northern Cape
Tel: 0861 123 644
Email: info@debtrescue.co.za

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
Eastern CapE
Tel: 0861 123 644
Email: info@debtrescue.co.za

WEBSITE | www.debt-therapy.co.za
debt therapy
integrity guaranteed
debt therapy is registered with NCR | NCRDC49
National Debt Advisors
Fighting For Consumer Justice
Tel: 021 007 1688
www.nationaldebtadvisors.co.za
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 NCRDC2210
Tel. (021) 204-8001
etienne@ffsdc.co.za
www.financialfreedomsolutions.co.za

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
CONSUMER Debt Support
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
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
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
Email: info@debtrescue.co.za
Your Guide to Financial
Wellness and Recovery
0861 229 922
info@debthero.co.za
www.legalhero.co.za
Western Cape

Don’t work with an out
dated version of the Act
UPDATED
2016
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/

Support services
Tel: 011 451 0041
Tel: 0860 072 768
www.maxpayments.co.za
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
16th Floor, The Pinnacle
Cnr Strand & Burg St
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

system providers
Tel: 011 451 0041
Tel: 0860 072 768
www.maxpayments.co.za
Debt Review Software
Tel: 016 004 0031

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

First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). Reg. No. 1929/001225/06.
First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). Reg. No. 1929/001225/06.

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

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
ESCALATION 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.