Debtfree Magazine November 2017

South Africa’s debt counselling magazine 

ARE YOU 

WORKING 

WITH YOUR 

PDA? 

November 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!.

Summer is finally here. You 

can probably taste the end of 

year break already. Schools are 

wrapping up exams and kids are 

looking forward to the summer 

holidays. People at work are 

starting to discuss their plans 

making a you jealous (‘don’t be 

a travel hater’). Magazines are 

advertising ‘5 ways to get bikini 

fit in only 10 days’ and ‘the 

fastest ways to lose that winter 

gut’. There is a growing feeling 

that the holidays are just around 

the corner. It’s hard not to be 

swept up in the excitement. 

It’s not all fun and games though. 

The end of the year can be one 

of the most financially stressful for 

families. Particularly families under 

debt review who have to stick to a 

budget. December is often a month 

of financial recklessness and poor 

decision making and can quickly 

derail a well planned debt review. 

Make sure that this doesn’t happen 

to you. And if you are hovering on 

the borderline thinking about debt 

review - don’t delude yourself into 

thinking that your bonus cheque is 

miraculously going to turn things 

around and save the day. It’s time 

to get realistic and think long term. 

It could be the best gift you ever give 

yourself. 

One of the main goals of debt review 

is not just to get a person back to the 

bare minimum of monthly financial 

survival so this month we ask if 

debt review is making you a more 

savvy consumer. Will you leave 

the process with good financial 

understanding and habits? This is 

the debt ‘counselling’ aspect of the 

process that is often overlooked. 

Debt Counsellors can help you to 

help yourself grow as a consumer 

to educate yourself. 

We also have interviews, industry 

related news and reviews, as well 

as a look at an important court case

about debt review. All these articles 

are designed to help educate you as 

a consumer as to what is going on 

in the industry and help you gain a 

holistic view of the entire process. 

Debt Counsellors can also check 

out the DC associations’ notice 

board for announcements and may 

also be interested in the new project 

launched by Debt Counselling 

Community Support. 

FROM 

THE 

E 

D 

IT 

O 

RSDESK 

With December rolling around you 

will have to be smart if you want 

to stay in debt review and make 

a success of the process. It may 

require that you be smarter than 

ever before. But that’s the goal isn’t 

it. To be smarter than last year. So 

if you want something to fixate on, 

something to taste on the tip of your 

tongue then rather than stress about 

losing those last 5 kgs so you can 

squeeze into that old speedo of 

yours, why not rather think about 

being totally debt free.

SURE 

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For further information please 

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ARE YOU 

WORKING WITH 

YOUR PDA? 

ARE YOU 

READY FOR 

DECEMBER? 

COURT 

MATTERS 

NEWS 

C 

O 

NTENTS 

MEERKAT 

PROFILE 

SERVICE 

DIRECTORY 

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.

ARE YOU 

WORKING 

WITH YOUR 

PDA? 

Before entering debt review it is common for 

consumers to miss payments one month, and 

then make them the next. Some consumers 

would head over to an ATM or into a store to 

make payments intermittently whenever the 

collections calls became too much. Normally 

the creditor who shouted the loudest got paid 

first.

“ ” 

Half of all credit users are several 

months behind on at least one if 

not many different accounts.

ARE YOU WORKING WITH YOUR PDA? 

It would be fair to say that consistency of payments across all accounts has 

not been a priority for most financially stressed consumers in South Africa. 

The debt review process is totally different however. Fundamental to the 

process are regular monthly payments or set amounts (that change and 

cascade over time) that are never missed. The right payment, needs to go 

to the right account on the right day. 

To make things even more complicated many banks change internal 

reference numbers on debt review accounts. Payments made into the ‘old’ 

account, using the old details will go unallocated for a long time allowing 

accounting differences to build up undetected for a few months. After 

some time the bank may even think the consumer is not paying the debt 

as a result of these internal reference changes. Eventually the creditor may 

make contact and say: ”where is our money”?


YOU DON’T HAVE 

TO USE A PDA 

Consumers can pay the restructured debt themselves (and make a 

separate payment for the Debt Counsellor’s fee) each month. The 

National Credit Act makes provision for this. 

Many financially able people choose to do so. Baring in mind that, they 

should stick exactly to the cascading payment plan and keep excellent 

record of each transaction through the years. It can be tricky ensuring that 

the payments are done timeously and keeping proof which they should 

forward to their Debt Counsellors each month. These records will be vital 

when trying to reconcile the balances with the bank each month (or couple 

of months) and in case of disputes. Consumers must also pay the exact 

right amount to the right accounts each month (as they shift and change 

over time according to the repayment plan). 

For most consumers who have been struggling to make their obligatory 

monthly debt payments over many years, this is realistically out of reach 

for them. What then?


MOST PEOPLE 

USE A PDA 

Fortunately the NCA also allows consumers to make use of a National 

Credit Regulator registered Payment Distribution Agency (PDA). 

This allows them to make a single payment to one account each month and 

then letting the PDA handle the rest and report back to them. For many, 

this is a real relief after all the stress of trying to rob Peter to pay Paul each 

month and not even wanting to open their bills from credit providers. No 

complicated schedule of vital payments rather just one easy payment. The 

consumer makes use of this service provider, perhaps at the suggestion 

of their Debt Counsellor, to simplify their lives. The majority of consumers 

under debt review make use of a PDA to help with their payments.


WORK WITH 

YOUR PDA 

When using a PDA, the consumer makes their one monthly payment 

and can then relax but there are things you can do to make working 

with a PDA more successful. We spoke to the various PDASA members 

and asked them for tips and advice which can help their clients. Here 

are some of the top things to keep in mind.

Clive Pintusewitz, CEO of the DCM Group says... 

Consumers should stay actively involved with the debt review process and 

make sure annual reviews are done (a check in with your Debt Counsellor 

to see if your situation has changed dramatically). 

He says that consumers should insist on a high level of service from 

their Debt Counsellors and should learn their Debt Counsellors internal 

complain and enquiry escalation process so that they can get answers to 

their questions and complaints speedily. 

He further says that consumers should compare the statements they get 

from their PDA with the statements from their credit providers and make 

sure that every creditor is getting and showing the payments received.


Chris Van Der Straaten of Hyphen PDA says ... 

Some of the most important things are the simplest. For example, he says 

that many consumers don’t even know who their actual Debt Counsellor is 

(this can be true when dealing with large firms with many staff and many 

different DCs). 

He advises storing your Debt Counsellor’s number in your phone, pasting 

it to your fridge and putting it in the cubbyhole of your car. He points 

out that it is a more important contact number to have than that of your 

mother-in-law or the local DVD store. 

More than that, he also advises learning the physical location of the Debt 

Counsellor’s office and making a note of it. Why not go visit the office if 

possible?


Herman Joubert of DC Partner says... 

Many times when consumers send correspondence to their PDA they forget 

to take the basic step of adding their ID number to their emails. After all, 

there may be more than one John or Vuyani who makes use of a particular 

PDA. 

This then means the PDA have to send back an extra email and the 

consumer has to then respond with yet another email with their ID number, 

delaying the speed of resolving their matter.


KEEP COOL 

Debtfree magazine gets monthly emails from readers asking for help 

with their PDA or Debt Counsellor. Sadly, many consumers don’t 

know the name or contact number of which firm or even the PDA 

they are dealing with. 

Many mix up the role of the PDA with that of the Debt Counsellor. They 

may talk about their Debt Counsellor Hyphen (meaning their money 

is distributed via Hyphen PDA and they see it on their email or get a 

notification via SMS). This shows a huge gap in their knowledge and the 

initial training offered to them by their Debt Counsellor. 

Because your PDA will communicate with you via email or SMS they need 

to be informed promptly if you change phone numbers or get a new email 

address. If you forget to notify them of a change, you may suddenly stop 

getting updates and statements. You may then blame them but actually the 

fault is your own. Be sure to let both your Debt Counsellor and PDA know 

of any such changes.

When frustrated it is only human to get a bit hot under the collar. It can be 

frustrating to try explain a problem you are having to someone at the PDA 

via phone or email. It is important to remember to stay calm and respectful. 

They have hundreds of thousands of clients and want to help. Their job 

is to help. Shouting at them because of a communication disconnect or 

frustration caused by a credit provider will not help resolve the matter. 

Sadly, many PDA staff report being verbally abused by clients who are 

actually complaining about something that they have been told in error by a 

collections agent or because of a fault of their Debt Counsellor. Remember 

stress and anger are bad for your own health and will not make the person 

on the other end of the line like you more and want to help you faster.

DEBT REVIEW 

SCHOOL 

A PDA WILL NEVER CHANGE THEIR 

BANK DETAILS. IF SOMEONE PHONES 

YOU AND SAYS THEY’VE CHANGED 

THEIR BANK DETAILS CONTACT YOUR 

DEBT COUNSELLOR 

IMMEDIATELY 

BEFORE MAKING 

ANY PAYMENTS.


WORK WITH 

YOUR PDA 

Making use of a Payment Distribution Agency will make your life 

under debt review a lot easier to manage. They are an integral part of 

the National Credit Act and have to be registered with the National 

Credit Regulator - who audit them religiously. 

These firms can not only simplify your life but can prove very helpful down 

the line when tracking payments and handling disputes. But like so many 

other services it is never a good idea to take a totally “hands off” approach. 

If you can put some of the advice of these PDASA members into action you 

will find that not only do you simply make use a PDA but that you will use 

their services to the full.

QUESTIONS FROM OUR READERS 

Q 

I 

am under debt review but want to leave debt review and get a 

consolidation loan. What should I do? 

A 

If you need debt review then credit providers you apply to for a loan will 

quickly work out that you cannot afford to repay the amount of debt you 

have at a high interest rate (as most large “consolidation” loans have). 

Since it is illegal for them to give someone a loan they can’t repay or lend to 

someone under debt review, it is unlikely you could ever get such a loan. Debt 

review reduces debt and lowers interest rates. Making more debt is never a 

good solution by comparison. 

Rather, stick with your debt review and get rid of all your debt.

We offer back office services to Debt Counsellors including: 

17.1, 17.2, Capturing CoBs, sending your proposals and 

helping handle court or NCT applications. 

Our full call centre and payment division can help you 

reduce your overheads and cut staff expenses. 

Cell: 083 232 1908 | Tel: 086 722 7405 | Email: elmarie@dcoperations.co.za 

www.dcoperations.co.za

ARE YOU 

READY FOR 

DECEMBER? 

The end of the year and Easter are 

traditionally months where consumers under 

debt review slip up and destroy all their hard 

work through debt review. 

Missed payments or even short payments quickly 

see unwary debt review consumers thrown back 

to the collections wolves and out of the protection 

offered by debt review. Cars are repossessed, 

homes sold on auction and debt balances sky 

rocket as the debt review falls away. 

So the question is: are you ready for December? 

Some simple steps will help protect you from 

making big mistakes that could see your family 

lose everything you have worked towards through 

debt review.

ARE YOU READY FOR DECEMBER? 

BUDGET, 

BUDGET, 

BUDGET 

If you have been ignoring doing a monthly budget since you first 

entered debt review then now is the time to stop being lazy and 

actually figure out how you are going to cover all your December 

and January expenses. 

It is a long time between these two pay cheques and it would be wise 

to make sure you know exactly how much you will need for household 

expenses. This will also protect you from impulse December purchases.


LET THEM 

KNOW! 

Let your Debt Counsellor and PDA know when you will get paid in 

December. 

You may want to ensure that your payment for your debt review goes off 

on the right date as some companies adjust their December pay dates. 

Get that money out of your account as soon as you can so that you don’t 

accidentally spend any of it.


DON’T 

SPEND IT! 

If you did get a 13th cheque or Bonus what would you do with 

it? Now the harsh reality is that most will not get a bonus or 13th 

cheque as the failing economy makes this something of a dream. 

That said, for those that will get extra cash at the end of the year it might 

be wise to talk to your DC about how best to use this cash influx (large or 

small). Remember the DC has to ensure that your debt review is sustainable. 

This may involve settling a smaller account off in regard to end balance 

difference. It may involve covering those vehicle repairs you have been 

putting off. Your DC should have an intimate understanding of your total 

financial situation and not just your debt obligations. 

There is little benefit from trying to “hide” these funds from your DC since 

they will show you how best to use them (and yes, that could include 

having a little fun as well).


TOP TIPS 

FOR SAVING 

Most important in December is your mind set. Others might be focused 

on spending and having fun at great financial expense. Obviously 

this is not possible if you are focused on eradicating your debts. 

Everyone needs some relaxation and you can find ways to do this without 

breaking the bank. If you get sucked into old habits of over spending in 

December however it might mean you find yourself unable to pay your 

monthly debt review repayment. If you miss a payment the debt review 

arrangement quickly falls apart. Debt review does not feature any payment 

holidays or the ability to short pay. It requires discipline and the right 

amount paid each month, every month. 

The following tips will get you in the right frame of mind!


GIFTS 

Gifts are great but when under debt review you need to rethink the 

type of gifts you might give. Many parents like to spoil their kids 

for doing well in their exams, people love to give gifts during the 

religious holidays at the end of the year and travelling home to visit 

family may bring with it social pressure to bring lavish gifts home 

for everyone. 

The problem is that sometimes the family and friend can start to see us as 

a type of gift ATM or toy store, ready to bow to their every whim no matter 

the personal financial cost. Obviously, this is disrespectful towards us and 

shows a lack of care and affection. 

Our true friends and loving family should not be pressurising us into 

spending lots of money when we don’t have it available being trapped in 

debt. We may be part of the problem and may not have told our friends 

and family that things are tight financially. Well then our pride may be 

coming back to haunt us. It may be time to come clean and open up to 

friends and family about how we have set a goal of getting completely out 

of debt and how we are doing that.

Make a Gift 

Parents love it when their kids give 

them hand drawn pictures featuring 

somewhat deformed people and 

misshapen houses and stars. Who 

wouldn’t? It just goes to show it is 

the thought that counts. Of course, if 

you are able to make a nice, simple 

gift, that is of higher quality than a 

5 year olds crude drawings, they will 

be even more impressed. Maybe it 

is time to break out those knitting or 

sowing skills to the benefit of others. 

Maybe it is time to get handy and 

use those pieces of wood that have 

been sitting around in the garage 

for ages.

Re-Gift 

The idea of parting with an item that 

you seldom, if ever, use is not a new 

one but with some polish and a bow 

you can hand over that old item as 

a new and exciting gift to others. 

The trick is to make sure you don’t 

give someone their own former gift 

to you back or be seen doing it in 

front of them. Awkward! 

Be the Gift 

Consider doing things for people 

rather than giving things to people. 

You may have a skill that you are 

good at. Painting, mechanical 

repairs, handy man work, gardening 

or computer work. Why not offer 

your expertise to friends and family 

at no cost as a gift this year.


FAMILY 

TIME 

It is often great to get to spend time with family after months of being 

apart. However it is also good to establish some ground rules before 

you get together. In the past, when you were spending frivolously 

everyone may have looked to you to generously cover all the costs on 

your expanding credit card debt. 

Things have now changed. It might be a good idea to discuss who will 

cover what costs before you head over for a visit. Do others in your family 

have more than you? It might be time for them to repay the favour this 

year and cover a bit more of the share than you do. 

If your family want to head off for a trip to the coast this year, discuss 

travelling together to reduce costs. Share with them exactly what you can 

budget towards accommodation costs as soon as possible so that no one 

books a place which is more pricey than you can afford.

Do the family want to come to your place? Why not suggest that you go to 

them this year (if close by) or that they bring groceries with them. Feel free 

to send them a list. Now is not the time to be shy. 

Learning to say no to your siblings or parents can be one of the hardest 

things debt review ever teaches you to do. It is always best to follow a 

hard “no” with an alternative option so that they can see you are being 

reasonable and not just difficult. Get ahead of the problem by having 

these conversations as soon as possible.

DEBT REVIEW 

SCHOOL 

The person you regularly deal 

with at your debt counselling 

firm may not be your official 

Debt Counsellor. They may just 

work for the DC 

assisting them. 

Learn your DC’s 

name.

STUCK 

USING 

ANCIENT 

TECHNOLOGY? 

Contact Maximus on 011 451 0041


SKIP 

THE TRIP 

If you have been in the habit of travelling for the holidays and find 

that to do so this year is going to break your budget then why not 

holiday at home. Now that may sound somewhat sad but if it matches 

your financial means then it is best to embrace it rather than mope 

your way through the entire holiday. There are simple ways you can 

make staying at home fun for yourself and the kids.

1 2 

FUN FOOD 

You can still eat affordably and eat 

somewhat more holiday food. Bulk 

buying some snacks ahead of time 

will help make snacks available for 

the kids all day long (All day? Yes, it 

is a naughty holiday) 

NO CLEANING 

No need to clean your room…today 

Kids love to make a mess. It’s almost 

a necessity. If you have a habit of 

chasing them to clean up all the time 

maybe let a few days go between 

cleanups to help the kids feel the 

difference in routine.

3 4 

VISIT FRIENDS 

Looking after the kids all day can 

leave you more exhausted at the end 

of the holiday than the start. Why 

not talk to the other parents and see 

if you can take turns to look after the 

kids, creating a little quiet time for 

yourselves on some days. 

NO CURFEW 

Holidays are all about the different 

and breaking a routine. Why not let 

the kids stay up a little later or out 

with their friends a little later to help 

create the holiday vibe.

5 6 

BE SILLY 

It might be time to turn the lounge 

into a pillow fort and hide the TV 

inside. Play games with the kids. Take 

yourself for walks in the countryside 

or down at the beach. 

TO THE BEACH 

Have you been promising yourself 

to work on your tan every year 

and yet each holiday slips by in a 

flurry of activity and you never get 

around to it. Well, some responsible 

sunbathing could have you the envy 

of all your friends this year.

7 8 

READ A BOOK OR 10 

Why not escape into the world of 

fiction this year if you are unable to 

travel. Ask your fiends what they are 

reading and borrow their books to 

keep costs down. 

BE LAZY 

Normally we don’t advise on 

laziness in Debtfree magazine but 

the holidays are a time to kick back, 

grow your beard, let your hair down 

and recuperate. Help your family 

relax by not being too demanding 

and let everyone be a little lazy. Why 

not sleep late and move breakfast 

to 9am each day.

9 10 

SKIP THE MOVIES 

Going to the movies is a huge 

expense. Between paying for 

parking, the ridiculous cost of the 

movies and the snacks you will soon 

find your whole holiday budget gone 

in one afternoon. Rather go down 

to Mr Video (they still exist) and get 

a R10 movie. Sometimes they even 

throw in the popcorn for free. 

SERIES BINGE 

Ask your friends if they have any 

good TV shows they recommend. 

Join them at their place or borrow 

the shows and binge watch while 

eating ridiculous amounts of pop 

corn (it’s low fat… some say no fat 

and quite affordable). You will be 

surprised how many of your friends 

went out in years past and bought 

DVD box sets of shows they never 

watched again. If you can find some 

ancient technology to play them on 

you can have a lot of no cost fun.

ARE YOU 

READY FOR 

DECEMBER? 

Get smart, get ready and don’t let December 

be the end of your debt review. Sometimes it 

takes a little planning to have a lot of fun. 

Try some of these tips to lighten the financial load 

this holiday season. Remember that December 

is just another step on your path to financial 

freedom. It is just a few days of the year. 

It can be a tricky one but if you don’t get swept 

up in the soon to come holiday frenzy, you will be 

able to enjoy a fun and stress free end of year.

don’t be a twit 

http://twitter.com/Debtfree_DIGI

PROFESSIONAL DEBT 

COUNSELLING ATTORNEYS 

TEL: 021 872 1968 

11 MARKET STREET, PAARL 

www.steyncoetzee.co.za

All professionals have professional indemnity if the unforeseen 

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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 

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COURT MATTERS

HANS REINHARD PETTENBURGER-PERWALD // VOSLOO AND OTHERS 

CONSENSUAL CHANGES 

TO INTEREST RATES IN A 

DEBT RESTRUCTURING 

COURT ORDER 

For a long time the Western Cape Courts have been struggling to 

decide what to do with debt review court applications where the credit 

providers have offered a new lower than contractual interest rate. 

This is something that commonly happens in a debt review as credit providers 

try to be nice and help their clients get out of debt sooner. They can even 

adjust the interest rates all the way down to zero percent in many cases. 

The challenge is that while it is possible for a credit provider and consumer 

to make adjustments to their contract (in terms of other sections of the 

NCA) the section about debt review court orders in the National Credit Act 

does not specifically say that this is something a court can just do without 

the credit providers consent. The courts are able to change what is paid 

monthly, extend how long it takes to pay and change when the payments 

COURT MATTERS

have to happen but they cannot unilaterally just force a credit provider to 

change interest rates. 

The question then arose (and has been dealt with in recent cases like the 

Mars case) what happens when the courts are asked by the credit providers 

to change the interest rates in a debt review matter? Can they make such 

an order? Can they refuse to make the order just because they are unsure 

of what to do? 

This was the matter set before the Western Cape High Court in the case of 

Debt Counsellor Hans Reinhard Pettenburger-Perwald v Vosloo and Others 

(including Homechoice, Rainbow finance, RCS, Woolies, Standard Bank, 

Foschini, ABSA and African Bank). It related to a case which had gone 

to the CT Magistrates Court and been turned away due to the request to 

change interest rates. That case had referred to the infamous and often 

seemingly misinterpreted Nedbank v Jones ruling. 

Arguing the case at High Court for debt counselling firm Debt Therapy 

were Attorneys Quintin Zimmermann and Kim Armfield. Both are well 

known authorities in local Debt Counselling circles and big supporters of 

the industry. 

THE RULING 

Judges Ndita and Holderness presided over the case and their ruling sets 

out a few important points that can serve to bolster related cases. 

The ruling talks a lot about the purpose of the National Credit Act and 

considers the intention of the legislature for consensual resolution of 

disputes and debt. 

COURT MATTERS

The ruling finds that it could not have been the purpose of the legislature 

to prevent credit providers and consumers from reaching consensual new 

arrangements (like the interest rate charged). 

The ruling points out that changes to contracts is usual in business and 

in reasonable and responsible negotiations. Especially would this be the 

case where it is beneficial to both parties. 

The ruling states that Magistrates would not be acting ultra vires (outside 

of the scope of their jurisdiction and within the law) if they were to make 

such an order changing the interest rates by consent. 

The ruling also made mention of various industry guidelines and even NCR 

circulars (regarding DCRS and the Debt Review Task Team). While pointing 

out that they hold no legal power, they ruled that these circulars and task 

team findings do point to a lacuna in the NCA regarding consensual 

interest rate reductions. 

OUTCOME 

The High Court ruled that the consumer was over indebted, put any 

‘terminated’ accounts back into the debt review (in terms of NCA Sect 

86(11)) and restructured the consumer’s debt obligations including the 

interest rate reductions agreed to by consent. 

RCS, Woolies and Foschini came out looking greedy with high interest 

rates that will probably lead to induplum caps while ABSA, Standard Bank 

and Rainbow Finance came out looking like the good guys trying to help 

their clients through interest rate reductions. 

COURT MATTERS

DEBT REVIEW 

SCHOOL 

Your monthly debt review 

repayment will probably be done 

via a Payment Distribution 

Agency. Learn which PDA your 

DC likes to use. 

Learn their name. 

Ask if they are 

registered with 

the NCR.

For daily debt counselling news in 3 minutes 

or less visit www.debtfreedigi.co.za 

NEWS 

DCASA AGM 

The Annual General Meeting (AGM) 

of the Debt Counsellors Association 

of South Africa (DCASA) was held in 

November 2017 at the Kempton Park 

Golf Club. AGMs are not generally 

known to be fancy affairs but they do 

attend to some critical business, like 

updating members on the banking 

and accounts, as well as, giving 

members the chance to vote for 

the National Executive Committee 

(NEC) - who help organize the day 

to day of the association. 

The AGM is also an opportunity to 

hear the President of the association 

(Mr Paul Slot in 2017) give a report 

on what the association has achieved 

during the last year and where the 

industry finds itself. 

Then there is also the chance to look 

forward to the next year and possible 

goals that need to be focused on. 

This year there were some changes 

made to the constitution of the 

association, as well as the planned 

appointment of an auditor for the 

association. 

NCR Quarterly Reports 

In case you missed the deadline, 

the NCR are waiting on Debt 

Counsellor’s reports for the 1st of 

July till end of September 2017. The 

reports were due midway through 

November. Handing in these reports 

is obligatory for all registered Debt 

Counsellors even if they are not 

practicing. 

NCT Visit to KZN 

The National Consumer Tribunal 

visited both the Western Cape and 

KZN in recent weeks with their 

motion courts to hear debt review 

consent orders. Debt Counsellors

NEWS 

attended and were able to submit 

applications where all parties were 

happy with the proposal and had 

these granted. Applications to the 

Tribunal are much cheaper than 

the normal fees associated with 

Magistrates courts. 

DReX is Live 

The long awaited information 

exchange system DReX opened 

up to use by Debt Counsellors this 

month. The system allows Debt 

Counsellors to interact directly with 

credit providers using the system. 

At present this means all credit 

providers whose debt review matters 

are handled by Consumer Friend. 

Debt Counsellors can log into the 

system and check correspondence, 

balances and draw statements. 

Consumer Friend are encouraging 

all Debt Counsellors to sign up for 

the system so that they can benefit 

from the speed of getting information 

electronically. 

NCR After VW Financial Service 

With More Creditors To Follow 

The NCR recently issued BMW 

Financial Services with a compliance 

notice in regard to including what 

are commonly called “on the road 

fees” into credit agreements with 

consumers purchasing cars. 

They soon followed with a similar 

compliance notice to VW Financial 

Services. The compliance notice tells 

these credit providers to stop adding 

these fees to credit agreements 

(since they are not mentioned in the 

National Credit Act or regulations 

as permissible fees). 

The notices also go so far as to 

say that the credit providers need 

to audit their books and give back 

the resultant fees and charges to all 

affected consumers since 2007 when 

the National Credit Act went into 

effect. The NCR have said that soon 

they will issue similar notices to all 

vehicle finance creditors (including 

the big banks) in this regard.

Sign Up Now To Use DReX 

http://www.consumerfriend.co.za/drex-registration/

Jothie Bechoo 

ATTORNEYS & DEBT 

COUNSELLOR 

Taking care of all your legal needs 

Specialising in Debt Review Applications 

for Debt Counsellors/Attorneys 

Our offices personally attends to debt 

review applications in the following 

courts: 

Durban 

Pinetown 

Chatsworth 

Verulam 

Ntuzuma 

We aim to have debt review orders 

granted at the first court appearance 

We avoid unnecessary adjournments 

Our fees are reasonable 

We have six years’ experience in Debt 

Review applications 

We assist clients in Rescission of Debt 

Review orders & administration orders 

Suite 7 Gladstone Court 

103 Smiso Nkwanyana [Goble] Road 

Morningside 

Durban 

Tel: 031 303 1004 

Mobile: 076 835 2810 

Email: jbechoo@jb-attorneys.co.za 

Also specializes in: 

Deceased Estates, Wills, Divorces, Ante Nuptial Contracts, Correspondent Attorney, Rescissions

NEWS 

It is expected that the credit providers 

will resist having to pay back the 

millions of Rand involved and that 

things will probably escalate to the 

National Consumer Tribunal. 

National Treasury Head of 

Budget Quits 

The demand for free education has 

been high for the last few years, with 

government policy being a slow and 

gradual stalling of any such process 

due to the obvious huge bill that 

would come with it. 

Already the country is about R50 

Billion short of just covering its 

existent budget and it seems 

following the release of a report 

on the topic, that the country would 

face another annual bill of around 

an additional R40 billion more. 

The Rand took a dip after Deputy 

Director-General Michael Sachs 

(who is the senior official in charge 

of the budget office) announced 

his resignation. He has apparently 

quit after interference by the 

Presidency. There is talk of a free 

education plan put forward by the 

President and Presidential hopeful’s 

(Mz Nkosazana Dlamini-Zuma) 

daughter’s boyfriend, who is 

commonly called the “son-in-law”. 

Mr Morris Masutha’s proposal would 

obviously be a popular one among 

the all important young voters in 

the years to come but the National 

Treasury indicates that the plan is 

neither achievable nor sustainable. 

Accusations in the press that the 

President was trying to take direct 

control of the budget sent the 

Rand into free fall for a while and 

all the drama may prompt further 

downgrading by ratings agencies 

this week. 

Lewis Group Buy UFO 

Lewis Group, like all retail oriented 

credit providers, are looking for new 

clients to help bolster sales during the 

tough economic recession. In a bold

NEWS 

move, Lewis has announced that 

they have bought United Furniture 

Outlets (UFO), a high end furniture 

and homeware chain of stores. 

The chain has 30 stores and Lewis 

say they will now look to expand the 

number of stores both country wide 

and into other nearby African states. 

The deal is valued at R320 Million 

and ties in with the brands active 

push to sell to higher end clients 

and increase their cash to credit 

sales ratio. 

For daily debt 

counselling news in 3 

minutes or less visit 

www.debtfreedigi.co.za

DEBT REVIEW 

SCHOOL 

Find out exactly when your 

new debit order (for your debt 

repayments via the PDA) will 

be made so that you don’t panic 

when your new 

debt repayment 

is made for the 

first time.

Die Republiek van 

SKYT AFRICA 

Haai daar Almal, 

Die jaar staan einde se kant toe en wat kan ‘n mens sê? Lank gelede 

toe Prins Charles en Lady Di geskei het, het Koningin Liesbet daar 

van Ingeland die woorde geuiter Annus horribilis leterlik vertaal 

uit Latyns beteken dit ‘n aaklige jaar. Nou wat ons die afgelope jaar 

hier in die Suiderpunt van Afrika ervaar het regverdig seker ‘n paar 

sterker woorde maar die jaar was definitief ‘n gatslag met ‘n groot 

rottang en dit was bleddie seer. 

Die voortslepende droogte in die Wes en Noord Kaap wat geen vinnige 

oplossing in sig het nie. Die verspoelings in Durban en omliggende 

gebiede. Die hael en windstorms in die Hoëveld. Beide van hierdie het groot 

finansiële skade veroorsaak. Moeder Natuur bly maar onvoorspelbaar! 

Werkloosheid bereik rekord hoogtes en dwelmmisbruik neem met 

rasseskrede toe. Bendegeweld ruk heeltemal handuit en onskuldiges boet 

hiervoor. Zama-zamas bloei die mynbedryf en ander kommoditeite dood 

met hulle wettelose bedrywighede. Wild en perlemoenstropery word deur

Mafiatipes vanuit die Ooste beheer. Kinder en vrouegeweld is ‘n teken van 

‘n siek gemeenskap. Plaasaanvalle en moorde bereik ongekende vlakke. 

Dan is daar nog die daaglikse misdaad soos roof, kapings, inbrake, 

aanranding, verkragting en padwoede wat net aanhou. 

Ons is ‘n gelowige ou Volkie wat in die meeste gevalle van dag tot dag wil 

bestaan en in vrede aan die einde van die dag rustig met familie en vriende 

wil verkeer sonder dat ‘n doodse vrees op ons neerdaal. Die sosiale media, 

wat nou almal se beste vriend en kenner van alles is, oorheers ons denke. 

Dit is oorlaai van fop en valse berigte wat ons vir soetkoek opvreet en 

opsweep totdat emosies normale denke oorheers, dan wil ons saamstaan 

maar nie altyd vir rasionele en wel deurdagte redes nie, opsweep is aan 

die orde van die dag. 

Sport was nog altyd ons trots maar die Springbokke en Bafana se prestasies 

of eerder gebrek daaraan wil ‘n mens laat gryp vir vlugsout of miskien iets 

sterker. Op die politieke front is daar so ‘n magdom woelinge waarmee 

‘n mens sukkel om tred te hou, magspeletjies wat seker niks positief vir 

ons as Jan Alleman inhou nie. Twee boeke het onlangs die lig gesien, The 

President’s Keepers deur Jacques Pauw en A Simple Man deur Ronnie 

Kasrils, ongelukkig is dit nie fiksie nie en daar is seker nog baie ander 

vergrype wat na vore gaan kom. SARS, SASSA, ESCOM, PRASA, SAL en 

menigte ander instellings is blootgelê. Die land se ekonomie raak net al 

meer onstabieler met die uiteinde ons as verbruikers gaan vir die gelag 

betaal. Tekorte van miljarde en verduistering en selfs diefstal van meer.

Die tekorte in die Staat se bankbalans kan nie voortduur nie en sal op een 

of ander gefinansier moet word, gaan die ‘n verhoging in persoonlike 

belasing of BTW beteken? Dit blyk of dit persoonlike belasting gaan wees 

maar daar is derduisende entreperneurs in die informele sektor wat nie 

belasing betaal nie en miskien kan BTW ‘n beter opsie wees. Welke een ookal 

ons gaan hoes vir hierdie tekorte. Die gedurige geblêr om instellings soos 

banke te nasionaliseer, grond onteien sonder vergoeding, skommelings 

van Ministers, bedanking en afdanking van senior amptenare wat korrupsie 

wil staak maak van die rand ‘n speelbal en ‘n verdere kredietafgradering 

is seker op die kaarte. 

Annus horribilis die Koningin het nie ‘n clue gehad nie, ons beleef 

dit en mag dit tot ‘n einde kom! 

Groetnis. 

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

South Africa’s 

leading Debt Counsellors 

Click through to 

www.creditmatters.co.za 

or call our national call centre on 

086 111 6197

NCPDA2 

R E G . 2 0 0 8 / 0 1 8 7 4 1 / 0 7 

PAYMENT DISTRIBUTION AGENCY 

TRANSPARENCY 

INTEGRITY 

COMPLIANCE 

COMPANY BACKGROUND 

On 28 August 2008, DC Partner began 

distributing funds newly appointed by the 

National Credit Regulator as a accredited 

Payment Distribution Agent. 

DC Partner’s business has continued to 

steadily grow ever since 2008 and is a 

financially strong company that strives for 

excellent service to our customers. 

DC Partner is one of only three NCR 

accredited PDA’s in South Africa and its 

operations are based out of the scenic town 

of George in the beautiful Southern Cape, 

with satellite offices in Pretoria and Cape 

Town. At present, the company employs 

roughly 100 people. DC Partner has a high 

level of commitment and quality control. 

SECURE DISTRIBUTION OF DEBT 

REVIEW FUNDS 

DC Partner takes pride in providing accurate 

and timely distributions. After all, the ability 

to accurately and speedily distribute funds 

from consumers to credit providers forms the 

cornerstone of the debt review cycle. 

Distributions are strictly done according to 

the distribution plan provided by the relevant 

debt counselor.

W H Y C H O O S E D C P A R T N E R A S P D A ? 

A client relationship officer is assigned for EACH 

Debt Counsellor – Single point of contact & 

communication! 

We assist to follow up on default clients, unpaid 

funds and unidentified deposits. 

National representation – Frequent face to face visits 

to your office by skilled, trained agents. 

Automated e-mails which can be sent directly from 

our system – 17.1, 17.2, proposals, cascades etc. 

Systematized client statements for each distribution 

sent as e-mail or sms. 

Daily Distributions on all clients. 

24 Hour access to our system (Including distribution 

data) from any PC, Cell Phone or tablet with internet 

access. 

Individual, dedicated business bank account for each 

debt counsellor. 

Multiple management review reports accessible 

directly to manage your debt review business and 

processes. 

HEAD OFFICE: 

59 VICTORIA STREET, GEORGE 

TEL: 044 873 4530 EMAIL: PDA@DCPARTNER.CO.ZA 

WWW.DCPARTNER.CO.ZA

MANAGING DIRECTOR 

T | 021 003 4535 

INFO@MEERKAT.CO.ZA 

WWW.MEERKAT.CO.ZA 

DAVID O’BRIEN

Can you tell us a 

little about yourself 

(your background) 

and how you came 

to found Meerkat? 

I had been a product designer for 

Old Mutual for nearly 20 years, 

leading the team that delivered the 

Old Mutual products to the market. I 

felt that there was an opportunity for 

a business to be more client centric 

and to help customers do more with 

their money. Meerkat will deliver a 

range of simple new products to 

the market to fulfill that vision. The 

credit protection product offering is 

the first insurance product. We are 

keen to partner with debt counsellors 

to enhance the debt review process. 

We feel that there is an opportunity 

to add value through insurance 

expertise and enhanced DC support 

such as reporting etc. 

Why do consumers 

need insurance 

cover while under 

debt review? 

The NCA allows Credit Providers to 

insist that the obligation is covered by 

credit life insurance, as a condition 

of the loan. Some credit providers 

persist with their credit life through 

the debt counselling process, some 

do not. This will cause uncertainty 

for the customer. Meerkat believes 

that insurance is important as it 

gives the client peace of mind that 

all their debts will be settled. This 

is especially important for “living” 

benefits, such as retrenchment or 

being diagnosed with an illness such 

as cancer. If the client is unable to 

meet the monthly payment, through 

illness, then the CPs will terminate 

the plan, and that will add to the 

problems of the already ill client.

PROFILE | DAVID O’BRIEN | MEERKAT 

What is Credit 

Protection and Life 

Cover? 

Life Cover is an insurance policy that 

pays out on your life. This might be 

for death, or a living benefit, as I said 

a moment ago. Credit Protection 

is an insurance policy that is linked 

to a loan. Most loans in South 

Africa are sold with credit protection 

insurance, and the customers are 

often not aware of the amount that 

they are paying, as they think it is just 

the loan repayment. If the customer 

is not aware of the product, then 

they will not benefit when they need 

it. Meerkat will proactively look for 

reasons to pay the claim. 

Can debt review 

consumers afford it? 

Where do the funds 

come from? 

The Meerkat Credit Protection 

plan has been designed to replace 

existing credit life policies from 

the multiple credit providers that 

are involved in the debt review 

process. We generally find that the 

Meerkat premium is lower than the 

total of the existing credit provider 

premiums, and we can therefore 

save the customer money. We have 

a unique product and advice model 

that allows us to selectively replace 

the insurance products in the plan. 

Therefore, if the Meerkat product is 

not competitive, then we will leave 

the existing CP insurance in place.

If the product saves 

the consumer money 

each month what 

can be done with 

those funds? 

We see debt review as a step on 

the journey to financial wellness. 

The premium savings can go back 

into the customer’s plan. This can 

increase the likelihood of a DCRS 

solve, and can also reduce the 

time that the customer is under 

debt review. It can also be used to 

reduce the total monthly payment 

if the customer is particularly over 

indebted. The Debt Counsellor will 

control the process as to where to 

deploy any savings in the monthly 

plan. 

Who is underwriting 

this product? Can 

consumers trust the 

product to pay out? 

The Meerkat Credit Protection plan 

is underwritten by Old Mutual 

Alternative Risk Transfer. Old 

Mutual has been paying customer 

claims for over 172 years. There is 

no more secure company in South 

Africa. Consumers often forget 

the importance of choosing a big 

company that will pay their claims. 

Some insurance companies have 

gone bust leaving consumers high and 

dry, and damaging the reputations 

and businesses of intermediaries 

and other stakeholders that were 

recommending the products.


Some credit 

providers complain 

that their in-house 

cover has the best 

benefits and don’t 

want to accept other 

cover. They say it is 

inferior. Will this be 

a problem with your 

product? 

The Meerkat product has been 

specifically designed to replace the 

full range of offerings from credit 

providers. We cover critical illness, 

compulsory unpaid leave, short time, 

as well as the more usual benefits like 

death, disability and retrenchment. 

We have an independent actuarial 

opinion confirming the superiority 

of the Meerkat benefits. Most credit 

providers are comfortable to accept 

the Meerkat policy. We are still in 

discussions with some. We have 

also been discussing the industry 

dynamics with the FSB, the insurance 

regulator, and believe that the 

customer interests will win through.

What happens if 

consumers under 

debt review lose 

their jobs and can’t 

make their regular 

monthly debt review 

repayment? 

If the consumer has let the credit 

provider insurance lapse, then 

unfortunately the credit provider will 

pursue them and their family in the 

normal legal collections process. 

However, if the customer has the 

Meerkat credit protection plan and 

it is a valid retrenchment claim, then 

Meerkat will make the debt review 

payments for all the obligations that 

are covered, for up to 12 months, 

and the customer can enjoy peace 

of mind, and focus on finding 

employment. An important aspect 

for the DC, is that we pay the claim 

via Hyphen, thereby insuring that the 

Aftercare fees are also maintained. 

What happens if a 

consumer under 

debt review gets 

injured and cannot 

earn income (for 

a short or longer 

time)? 

If the customer is injured and has 

a valid temporary disability claim, 

then Meerkat will pay their debt 

review obligations until they are 

able to return to work, or for up to 

6 months. If the injury persists and 

the customer cannot return to work, 

then the disability is considered 

permanent, and then Meerkat will 

settle the outstanding obligations 

at that time. And, again, the DC 

continues to receive their Aftercare 

fees.


Is it easy to stay 

in touch and make 

claims for clients? 

Meerkat offers a dedicated call 

centre for customers. We can be 

accessed through email, telephone, 

whatsapp and live chat. We also 

offer an app, where the customer 

can submit their claim, and any 

required documentation. We also 

have a dedicated support model for 

debt counsellor partners, who can 

submit claims on behalf of clients, if 

required. 

If a Debt Counsellor 

is not a FAIS 

complaint agent 

what can they do for 

their clients? 

The Meerkat team have collectively 

over 75 years of senior insurance 

expertise, it is our core skill. We 

believe that parts of the debt 

counselling industry are unknowingly 

creating significant insurance 

regulatory risk for themselves, 

through the inappropriate provision 

of advice from unregistered agents. 

Transgressions of the FAIS Act 

come with severe penalties for noncompliance. 

We have designed 

the Meerkat model to deal with 

this. Meerkat carries 100% of the 

insurance process, product and

END 

Is it labour intensive 

to use your product? 

advice risk. We are an authorized 

FSP, and know the business and are 

comfortable with the risk. So, once 

we have an agreement in place with 

the DC, then all they do is follow a 

very simple one click process, and 

we do all the rest with the customer. 

his allows the DC to focus on their 

core business, while knowing that 

their clients have security. 

We have spent a lot of time 

designing a simple model for all 

parties involved – the DC, the 

customer, and the credit provider. 

We can get a DC up and running in 

24 hours, if needed. We can also 

work in tandem with any insurance 

provider that the DC may already 

have, if the DC would like to explore 

alternatives.

DEBT COUNSELLORS ASSOCIATIONS 

ANNOUNCEMENT BOARD 

Gauteng Branch Meeting 

24 November 2017 @ 11:00 am - 2:30 pm 

Quick News 

Our AGM was held on 14 November. 

Check the member’s newsletter for 

details. 

An open letter sent to Standard 

Bank: 

https://tinyurl.com/y7q343yr 

DCASA is meeting with FNB in November 

2017 to discuss issues and improvements 

pertaining to FNB’s Debt Review 

department. 

www.dcasa.co.za 

www.newera.org.za 

We will not be holding any regional 

meetings till next year. Members are 

encouraged to start talking to clients 

about the end of the year and not 

missing payments. 

www.bdcf.co.za 

This month we had 5 new requests from 

people wanting to join the member’s 

Facebook page. Members should feel 

free to post questions (and offer advice) 

on the members page. Remember 

we also have a public page (which we 

seldom update – we will try to put some 

new content up there for visitors soon). 

www.allprodc.org

DON’T WORK WITH AN OUT 

DATED VERSION OF THE ACT 

UPDATED 

2017 

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/

DEBT COUNSELLING 

COMMUNITY SUPPORT 

DEBT COUNSELLING 

BACK 

COMMUNITY SUPPORT 

TO 

SCHOOL 

For most parents, January’s back to school costs are far away and 

their focus is simply on making it to the end of the year. But families 

in debt review need to be more prudent and plan better than most 

families. When a family enter debt review and switch to a cash 

lifestyle they need to get wise about saving toward upcoming costs 

since they cannot simply put purchases on their credit cards as many 

do. But what happens when there just are not enough funds to take 

care of extra costs even if you are in debt review? 

Contact admin@dccsupport.co.za

Debt Counselling Comunity Support have over the last few years been 

able to help vulnerable debt review families get through this tricky part 

of the year with help from generous industry sponsors. Debt Counsellors, 

attorneys, PDAs and credit providers have all clubbed together to help 

out those deserving hard working, loyally paying consumers under debt 

review who are feeling the pressure. 

Once again this year DCCS will be launching an end of year drive to get 

supplies ready for the January Back to School drive. Vouchers and bags 

full of clothing or stationery will be provided for those families identified by 

Debt Counsellors in the community. If you know of any families who might 

qualify then please contact admin@dccsupport.co.za 

Sponsor a R150 Back to School Hamper

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

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 

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 

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 NO MORE - NCRDC1973 

Christelle du Toit 

Tel: 016 423 6301 

Cell: 083 321 6731 

FAX: 086 219 3306 

Email: debtnomore@jjckruger.co.za 

www.jpawfin.co.za 

GAUTENG 

MV Business Empowerment 

9 River Road 

Morning Hill 

Bedfordview 

(next to Eastgate mall) 

Tel: 083 490 3339 

velaphi@infitech.co.za 

Suite 7 Gladstone Court 

103 Smiso Nkwanyana [Goble] Road 

Morningside 

Durban 

Tel: 031 303 1004 

Mobile: 076 835 2810 

Email: jbechoo@jb-attorneys.co.za

National Debt Advisors 

Fighting For Consumer Justice 

Tel: 021 007 1688 

www.nationaldebtadvisors.co.za 

KWAZULU- 

NATAL 

Restore your 

financial wellness 

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 

Our Debt Management 

Process is Easy! 

DEBT 

REVIEW 

AWARDS 

Telephone 

031 303 2448 / 084 250 2356 

www.debtfinesse.co.za






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 


FREE STATE

LIMPOPO 



Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


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

GMC Debt Solutions 

52 Kerk Street 

Lydenburg 

Tel: 087 802 7054 

Tel: 087 151 1034 

www.gmcdebtsolutions.co.za 



Tel: 021 007 1688 


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 

Depopulating a generation of over 

indebted and populating a debt free 

generation. 

Office No. 6, Prime Pharm Building, 

36 Dr Nelson Mandela Drive 

Tel: 0186320053 

Tel: 0877026744 

Email: papi@maaudebts.co.za 

www.maaudebts.co.za



Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


NORTHERN CAPE



Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


EASTERN CAPE

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 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 

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 

“There is no dignity quite so 

Impressive and No Independence 

quite so important as Living 

within your Means - Calvin Coolidge” 

For your Convenience Our Range of 

Services are Availble to you Anywhere in 

South Africa! 

Jackie Coetzee 

079 317 8557 

022 713 2021 

documentswc@fusiondc.co.za

Credit Rescue 

Debt Review 

Debt Review Removal 

Administration Removal 

Garnishee Removal 

Contact 

James Scott 

0834525829 

Email: helderberg@credit-rescue.co.za 

Your Guide to Financial 

Wellness and Recovery 

0861 229 922 

info@debthero.co.za 

www.legalhero.co.za 

WESTERN CAPE 

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

SUPPORT SERVICES 

Tel: 011 451 0041 

Tel: 0860 072 768 

www.maxpayments.co.za 

lana Van Herwaarde, 

DC Operation Centre (PTY) 

Tel: 0867227405 Email: 

info@dcoperations.co.za 

www.dcoperations.co.za 

DEBT 

086 126 6562 

debt@one.za.com 

www.one.za.com

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 

CREDIT 

BUREAUS 

Xpert Decision Systems (XDS) 

South African information bureau. 

Cape Town | Johannesburg 

+27 11 645 9100 

info@xds.co.za 

www.xds.co.za

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.

DC Query Process DC Query Process 

www.nedbank.co.za

17.1, 17.2, Proposals, General 

correspondence: 

debtcounselling@africanbank.co.za 

To register for Legal Web Access: 

lwac@africanbank.co.za 

Reckless Lending investigations: 

RLA@africanbank.co.za 

ESCALATION PROCESS 

DETAILS 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 

applications@consumerfriend.co.za 

proposals@consumerfriend.co.za 

courts@consumerfriend.co.za 

customeraccounts@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.

Debtfree Magazine November 2017

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