Debtfree Magazine May 2018

DO YOU HAVE 

WHAT IT 

TAKES? 

May 2018 

www.debtfreedigi.co.za

There is a tree on the slopes of 

mountains in California that 

is said by scientists to be an 

amazing 4700 years old. It 

survives at a chilling altitude 

of over 3000m and has been in 

place from before the pyramids 

were built. The fact that this tree 

can and has survived for so long 

in such a harsh climate, clinging 

to the side of a mountain at about 

the height of 3 table mountains 

shows that a little grit and 

stubborn determination can go a 

long way. 

By growing so high up in snowy and 

cold weather, this tree has avoided 

any forest fires entirely for millennia. 

Because very little other vegetation 

is around so high up, there is hardly 

any competition for nutrients in the 

nearby soil. So what at first seems 

like a terrible place for a tree to 

grow turns out to be ideal for this 

tree which is now affectionately 

called by botanists “Methuselah”. 

This month we discuss whether you 

have what it takes to make it through 

the debt review process. Though 

not physically demanding, the debt 

review process can be emotionally 

and mentally challenging. Many 

people drop out of the process partway 

through. Our main articles 

force you to take a look at yourself 

and ask if you are a quitter or not. 

Do you have what it takes? 

We also catch up on some of the 

latest news from around the country, 

and in particular we have some 

exciting information on the Debt 

Review Awards this issue. Each year 

the industry is invited to participate 

in a peer review of those on the 

opposite side of the industry and we 

find out some of the top candidates 

for Awards this month just before 

the Annual Awards Gala coming in 

June. 

Members of the Debtfree team, 

with the help others in the industry, 

organize the Gala and we wish them 

all the best with the event.

Though debt review may not seem 

ideal, it is a highly effective means 

of getting out of debt and becoming 

rehabilitated so that you can reenter 

the credit market if you wish. The 

process can teach you new things 

about yourself you never realized or 

knew. It can teach you great habits, 

which you will use for years to come. 

FROM 

THE 

E 

D 

IT 

O 

RSDESK 

If a tree like Methuselah can make 

it in such a tricky environment for so 

long, in the face of harsh weather 

and changing climates then, surely 

we can push through a few months 

or years of tough times. People are 

the most adaptable creature on the 

planet, and we have a drive unlike 

any other animal or plant to succeed. 

If you have that determination, 

then you can turn your financial 

life around, one month at a time. 

Hopefully debt review is helping you 

to do just that. So enjoy this issue, 

keep up those repayments and we 

are sure that you will soon be debt 

free. 

IMAGE AUTHOR: RICK GOLDWASER

Cash Flow Problems? 

Home Owner? 

Need Cash Urgently? 

We Can Help! 

Tel: 011 646 2865 | info@certuspro.co.za 

www.certuspro.co.za

DO YOU HAVE 

WHAT IT TAKES 

C 

DEBT REVIEW 

AWARDS 

NOMINEES 

ANNOUNCED 

WAYS TO 

INCREASE YOUR 

STAYING POWER 

O 

NTENTS 

NEWS 

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 

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Debtfree Magazine contains material supplied to 

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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.

DO YOU HAVE 

WHAT IT 

TAKES?

DO YOU HAVE WHAT IT TAKES? 

STAYING POWER 

noun (informal) 

1. the ability to maintain an activity or commitment despite fatigue 

or difficulty; stamina. 

Debt review has been compared to running a marathon or taking a long 

distance road trip. Runners who run for many kilometers in a long distance 

race need to know how to keep going despite muscle and mental fatigue. 

If they lose focus, even briefly, they may allow their fatigue to overwhelm 

them and cause them to give up without reaching the finish line. 

Those going on a long distance road trip need to plan ahead and know that 

they will be travelling for many hours or even days. They also understand 

that because they will be travelling on the roads with other vehicles, they 

can’t lose focus during the journey or they could have an accident. 

To pay off your debts through debt review, you need staying power. Those 

without it soon fall out of the process and can end up worse off than they 

were before.


ARE YOU A 

DROP OUT? 

We respect people who endure despite hardship. The political prisoner 

who gets out of prison after 27 years who goes on to become president, 

the men who brave snow and storms to make it to the most extreme 

parts of the planet, the victim of a terrorist attack who goes on to win 

gold. Their endurance and staying power is impressive. 

To lack staying power is hardly a good quality and can also be described 

as being cowardly, weak, lacking endurance or being a drop out. Now, 

being a ‘drop out’ is nothing to strive for. If you were choosing friends to 

play on your team, or had to rely on them, would you choose a friend who 

has a reputation for endurance or for being a drop out? 

Sadly, people drop out of debt review for a variety of reasons. Many 

reasons are weak and reveal that the person doesn’t fully understand the 

debt review process. Other excuses show that the person has not really 

embraced the process and doesn’t see the value of ever getting out of 

debt. Let’s briefly look at some common reasons.


DEBT REVIEW IS 

NOT WORKING 

Some consumers panic near the start of the process (within the first 

few months) because they receive information from collections agents 

and even their credit providers which might be incorrect. 

Their statements may not reflect their debt review status, and collections 

agents looking for commission may even misinform them. Consumers need 

to realize that the process is a legal one, and the courts are involved. This 

means they can be confident that the credit providers have an obligation 

to cooperate. 

Rather than worry that your debt review is not working, why not first make 

contact with your Debt Counsellor and discuss your concerns? They will 

not mind, since many consumers experience these same concerns. Don’t 

let a few phone calls or sms scare you.

SURE 

Credit ProteCtion – debt review 

Applied to go under debt review? 

Restructuring your monthly expenses? 

why not insure all your accounts on the one Credit Protection? 

benefits offered 

• death – we settle the account 

• temporary disability – we pay your 

installment for 12 months 

• Permanent disability – we settle 

the account 

• Critical illness – we pay your 


• retrenchment – we pay your 


At a rate of R2.95 per R1000 

unsecured/short-term credit 

and R2.00 per R1000 on 

Mortgages, you can now 

insure your debt for less 

without compromising on the 

best benefits available. 

For further information please 

speak to your Broker alternatively 

contact your regional ONE office. 

0861 266 562 

admin.debt@one.za.com 

TERMS & cONDITIONS APPLY 

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

Authorised Financial Services Provider FSP8783 VAT No. 4370160501 

Underwritten by: 

A Member of A member of the Group

South Africa’s 

leading Debt Counsellors 

since 2007 

Start getting out 

of debt today! 

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Call our national 

call centre on 

086 111 6197


IT’S TAKING 

TOO LONG 

“Are we there yet”? Kids on a long distance trip often grow impatient 

because they do not appreciate the distances involved. As a parent, 

you may have a more realistic view of how long the trip will take. 

If you have a bond or are repaying a car loan, then you have already 

committed to repay debt over many years or even decades. Since most 

debt reviews are over within 3 - 5 years (leaving only the bond to be 

repaid afterwards) you should repay your debts over a reasonably short 

amount of time. If you are paying half of what you were before, is it totally 

unreasonable if it takes you twice as long? 

If you feel your debt review is taking “too long”, then try to increase 

the monthly repayment amount, rather than trying to quit the process 

prematurely. Increasing repayment amounts early on in the process can 

significantly shorten the repayment term.


I CAN’T PAY THIS 

MONTH BECAUSE... 

A runner who begins to focus on all the reasons why he doesn’t feel 

like running any more will soon give up. 

Often a lack of saving along the way or not sticking closely to the budget 

suggested by the Debt Counsellor can result in consumers running short 

on funds when emergencies do arise. Some emergencies are legitimate 

and cannot be avoided or planned for, this may mean that you will have to 

ask your Debt Counsellor to talk to the credit providers and even the courts 

to make adjustments to your plan. This could, unfortunately, add months 

to your repayment plan. Other reasons however may simply be the result 

of not setting aside funds each month towards annual expenses such as 

licensing fees or school books and uniforms in January. 

Some consumers have fallen into bad habits over the years, like missing 

debt repayments in December or around Easter. Doing this in debt review 

simply derails the entire process to the consumers’ detriment.

MELIORLEAF WON’T 

LOAD YOUR PREMIUMS 

OR REPUDIATE A 

LEGITIMATE CLAIM JUST 

BECAUSE YOU’RE IN 

DEBT REVIEW 

Specialist insurance for people in debt review. 

Ask your debt counsellor. 

CALL US NOW 0861 635 467 

www.meliorleaf.co.za


I DON’T NEED DEBT 

REVIEW ANYMORE 

Some consumers have favorable improvement in their situation. 

Maybe their partner gets a job after a long time without one, or 

they are able to find much cheaper accommodation. This can help 

increase the amount of funds available to service debt. 

If this happens to you, then you should talk to your Debt Counsellor about 

increasing your debt repayments to shorten the time it will take to get out 

of debt. Do not be quick to stop paying via debt review and lose all the 

benefits you have received (like reduced fees and interest). 

Unless your situation has dramatically shifted in the last few weeks, and 

your income has really shot up significantly, then you probably still need 

debt review and cannot afford to revert to your old contract commitments. 

Ask your Debt Counsellor to help you figure it out.


I DON’T NEED DEBT REVIEW ANYMORE 

It is also vital to realize that when you leave debt review before completing 

the process properly, your creditors may revert to your original contract 

obligations. This can mean you suddenly owe them a lot more than you 

ever thought. 

Example: 

Original obligation 

Restructured debt 

review repayment 

Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 

R1000 

(+ fees R10) 

R1000 

(+ fees R10) 

R1000 

(+ fees R10) 

R1000 

(+ fees R10) 

R1000 

(+ fees R10) 

R1000 

(+ fees R10) 

R500 

(no fees) 

R500 

(no fees) 

R500 

(no fees) 

R500 

(no fees) 

R500 

(no fees) 

R500 

(no fees) 

Growing Difference R510 R1020 R1530 R2040 R2550 R3060 

If after just a few months you suddenly leave the process, creditors may 

ask you for the difference all in one month, along with all the interest you 

missed. If you can’t pay, they may take new legal action.

KIM 

ARMFIELD 

AND ASSOCIATES 

DEBT REVIEW | CREDIT LAW | LITIGATION 

CONTRACTS | FAMILY LAW | WILLS & ESTATES 

Tel: 021 949 1758 | 084 702 3760 

info@legalwc.co.za | www.capeattorney.co.za

WAYS TO 

INCREASE YOUR 

STAYING POWER

WAYS TO INCREASE YOUR STAYING POWER 

FOCUS 

ON YOUR 

PROGRESS 

Rather than focus on what you do not have and cannot buy, try to 

focus on how far you have already come. Focus on the advantages 

that you are experiencing because of your debt review. 

For example, you may now be able to answer calls from numbers you 

don’t recognize. You may now be able to go check the mail box without 

that feeling of dread. You and your spouse may no longer be fighting 

about money. Debt review probably made all of that possible. 

You should focus on the fees and interest you are SAVING each month e.g. 

If you were paying off R100 000 at 22% interest and are now only paying 

5% then that means you are saving a HUGE amount of money over time. 

If you are saving even R50 in account fees each month and have been in 

the process for a year, that’s R600 for each account. If you have 5 accounts 

that’s R3000 in just some of the fees, never mind interest charges.


KNOW YOUR 

RESTRUCTURING 

PLAN 

Before starting a race or long trip it is important to know where you 

are going, and to study the route ahead. 

When your Debt Counsellor makes proposals to your credit providers and 

to the courts, they set out how many months it will take to repay all your 

debts. Each individual debt is planned out in payments month by month. 

You should have a copy of the plan and know exactly how far along you 

are each month. On which month will I be ¼ of the way? Which month 

is ½ way? Much like using a map on a road trip, this plan can help you 

measure your progress.


HANG OUT 

WITH OTHERS 

IN DEBT REVIEW 

There are hundreds of thousands of South Africans who have been, 

or are in debt review at the moment. 

You may have heard about debt review from a close friend who is using the 

process to repay their debt. Having people around you who understand 

your circumstances can really help. Some Debt Counselling firms even 

link their clients into a support system for one another.


AVOID 

PEOPLE WHO 

OVERSPEND 

In every group of friends, there will be some with a little more money 

than others. Every office will have some who spend more than others. 

They can leave you jealous of their lavish lifestyle and “jealousy makes you 

nasty”. Even the TV shows and Youtube Channels you watch or Instagram 

accounts you follow can expose you to people who overspend, and they 

may start to encourage you to also spend funds you can’t afford. Choose 

your company wisely.


AVOID 

ADVERTISING 

BRAINWASHING 

Companies pay clever marketing people a lot of money to get you 

to want to spend your money on their products. These people spend 

years and years at expensive collages learning how to make you 

fixate on their products. So don’t think that you won’t be influenced 

by their efforts. 

Beware of exposing yourself to too much advertising, too many emails 

promoting things you can’t afford. Don’t obsess over things you cannot 

afford at present. There is a difference between setting yourself goals, and 

being brainwashed into ‘needing’ the latest and greatest. Allowing yourself 

to be blasted by emails and adverts and sms all day long, promoting 

things you can’t afford, will only make you feel depressed that you can’t 

have them (that is how they want you to feel). You may start to think that 

you really need them and debt review is preventing you from having them.

We appear in the following courts and act as a correspondent for Dc’s 

and their attorneys. 

ATLANTIS 

BELLVILLE 

GOODWOOD 

CALEDON 

CAPE TOWN 

WYNBERG 

CERES 

GRABOUW 

HOPEFILED 

KHAYELITSHA 

KUILSRIVER 

MALEMSBURY 

MITCHELLS PLAIN 

MOORREESBURG 

PAARL 

PIKETBERG 

ROBERTSON 

SIMON’S TOWN 

SOMERSET WEST 

STELLENBOSCH 

STRAND 

TULBAGH 

WELLINGTON 

WORCESTER 

Please contact adri@kempdebruyn.co.za to 

enquire about our fees. 

 

 

 

+27 (21) 200 5644 

adri@kempdubruyn.co.za 

21 Station Street, Paarl, 7646

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


DON’T BE A 

DROP OUT 

If you are able to keep on consistently pay your debt review through 

both easy times and hard, you will soon find yourself debt free! 

Like a runner reaching the finish line or a traveler arriving in a distant town, 

you may be tired, but that will soon fade away. You will have reached your 

goal and succeeded. 

Things will come your way that will test you, you may have to power 

through. You may have to force yourself to carry on and not give up, 

but knowing clearly how long it will take, how far you have come and by 

taking practical steps to keep up repayments, you will be able to stay in 

the process. 

Every month under debt review is a month where you are saving a ton of 

money on fees and interest charges. Every month is a step closer to your 

goal. Don’t give up and don’t give in. Show a little staying power and in 

just a little longer than you originally planned, you will have paid off all 

your debt.

DEBT REVIEW 

SCHOOL 

If someone tells you the PDA 

bank details have changed: 

STEP 1: Call the PDA 

STEP 2: Call your Debt 

Counsellor and 

double check... 

Dont be scammed!

PROFESSIONAL DEBT 

COUNSELLING ATTORNEYS 

TEL: 021 872 1968 

11 MARKET STREET, PAARL 

www.steyncoetzee.co.za

DEBT REVIEW 

SCHOOL 

PDAs Do Not ever Change 

Their Bank Accounts... 

Ever!! 

Beware of 

Scams!

NEWS 

NCRPDA4 

THE LATEST PDA 

The NCR has issued a new 

PDA registration number to 

CollectNet (pty) Ltd. A PDA is 

a payment distribution agent 

who handles debt review 

related payments on behalf 

of consumers under debt 

review. CollectNet are based in 

Gauteng (Centurion) and have 

been registered as NCRPDA4. 

They join the 3 existing NCR 

registered PDAs (Hyphen PDA, 

DC Partner PDA and NPDA). 

Malcolm Povey, well known for 

his long time in the industry at 

Hyphen PDA, has now moved 

to CollectNet after a number 

of months associated with DC 

Partner. He will be heading 

up operations. Though newly 

registered the company has 

been in existence for some 

time and has been considering 

registering for a while.

PETROL PRICE TO 

JUMP IN JUNE 

FNB DC 

CONFERENCE 

IN JUNE 

Global oil costs are rising 

which means that we end up 

paying more for fuel locally. 

Tensions in the Middle East and 

other international political 

and price controlling factors 

are all pushing the worldwide 

fuel costs higher. Turns out 

Prince Harry and Meghan 

were being wise to ride a 

horse carriage back from their 

wedding. Good money saving 

tip. Thanks Royals. Now with 

the Rand not doing as well as 

it has been against the Dollar, 

SA commuters are in for a 

harsh shock as petrol prices 

rise past the R15/litre mark to 

as much as R15.50 a litre. The 

AA (Automobile Association) 

predicts a 74c increase for 

petrol and around 80c for both 

diesel and paraffin during June. 

FNB Debt Review department 

is arranging a Debt Counsellor 

conference with Gauteng DCs 

at the end of June 2018. FNB 

will call on DCs to help tackle 

some of the biggest challenges 

they are currently experiencing 

and help to develop potential 

strategies to overcome them. 

An ongoing hot topic will 

be the splitting of current 

account and overdraft and the 

subsequent use or non-use of 

the current account. The date 

for the conference has been 

set as 27th June and the event 

will take place at the FNB 

Conference Centre on Grayston 

Drive in Sandton. If you are a 

NCR registered Debt Counsellor 

and would like to attend (along 

with another member of your 

team) you can email Faadiel 

Toffie at FToffie@fnb.co.za

LEWIS VS NCR 

OVER CLUB FEES 

The National Credit Act and 

regulations set out very clearly 

what fees can and can’t be 

charged for credit accounts. 

In 2016, after a report from 

Summit Financial Wellbeing 

and in the wake of several 

similar investigations, the 

National Credit Regulator 

(NCR) had a look at Lewis 

Group’s club fees which they 

charge clients and said that 

they find them to be illegal. The 

NCR then referred the matter to 

the National Consumer Tribunal 

(NCT) who have authority to 

rule on such matters. The NCR 

asked the NCT to make Lewis 

pay back all their club fees to 

all their clients and fine the 

credit provider for breaking the 

law. 

After hearing arguments from 

both parties in 2017 the NCT 

ruled that the club fees charged 

by Lewis were not illegal. The 

NCT felt that Lewis had avoided 

mistakes that other credit 

providers may have made in 

regard to charging club fees and 

interest on these fees. The NCR 

then appealed the matter to the 

High Court as they want to see 

all club fees removed from the 

industry as the fees “increase the 

consumers’ cost of credit“.

HIGH COURT RULE 

AGAINST NCR 

The High Court in Pretoria 

heard the matter on appeal 

but eventually ruled against 

the NCR. The ruling was 

somewhat scathing against 

the NCR and will even award 

costs against the Regulator 

to try to discourage the NCR 

from repeating this type of 

application in the future. The 

Judge pointedly said that the 

NCR should have been well 

aware that they were not going 

to win the case as soon as 

they saw the credit provider’s 

replying affidavit (at NCT level). 

Part of the argument hinged 

around if consumers were 

forced to take the club 

membership in order to get 

access to credit. Lewis showed 

that less than a third of their 

clients had joined the club and 

this had not stopped any from 

gaining access to credit. The 

other half of the argument was 

about warranties which the NCR 

held to be pretty useless but 

Lewis was able to prove that they 

honoured, even when their own 

staff made some clerical errors. 

During the process in which 

the NCR showed 3 clients who 

were being incorrectly charged 

for insurance, Lewis conducted 

a massive internal investigation 

and decided to refund customers 

around R44 Million. This amount 

related to insurance fees which 

they discovered should not 

have been charged in regard 

to employment insurance (for 

example; insurance against 

being retrenched which may 

have accidentally been charged 

to a pensioner who was not 

employed). Also affected during 

the entire case at NCT and 

High Court has been Lewis 

Group shares which initially 

fell dramatically during the 

investigations and allegations. 

The High Court decision to issue 

costs against the NCR for the 

case was specifically made in an 

attempt to dissuade the Regulator 

from pursuing similar litigation.

BOUTIQUE 

(IN ALPHABETICAL ORDER) 

TOP 5 

Alan Manshon 

THE MONEY CLINIC 

Amanda Johnson 

ALGOA DEBT CARE 

Suzanne Pretorius 

DEBT SOLUTIONS 

Trevor Armfield 

DIVERSE DEBT COUNSELLORS 

INDUSTRY PEER 

REVIEW NOMINEES 

ANNOUNCED 

With less than a week to go 

until the Annual Debt Review 

Awards Gala we are eager to 

announce the Top 5 and Top 

10 nominations in each of 

the award categories for Debt 

Counsellors. Be sure to look out 

for our winners in the next issue 

of Debtfree. 

Zelda Erasmus 

CONTROL DEBT 

TOP 10 

Daniel Ludick 

LUDDICK ATTORNEYS 

Francois Schaffer 

OVERBERG DC 

Helena Joubert 

H JOUBERT DEBT COUNSELLORS 

Lee Lombard 

GARDEN ROUTE DEBT 

COUNSELLORS 

Romi Govender 

FINESSE DEBT COUNSELLORS

SMALL 


TOP 5 

Andre Carelse 

AC DEBT COUNSELLORS 

Awie Coetzee 

DEBT ASSOCIATES 

Drene Venter 

DEBT AID 

Karl Schweidler 

WYNLAND DEBT COUNSELLOR 

Shaun Zeelie 

MASTER YOUR MONEY 

TOP 10 

Darren Mannikam 

INKOSINATHI DC SERVICES 

Denver Bright 

DB DEBT COUNSELLORS 

Susan Strydom 

DEBT REVIEW CENTRE 

Thomas Swart 

DEBT SENSE GROUP (PE) 

Yolanda Jansen Van Rensburg 

RENCARE DEBT COUNSELLORS 

MEDIUM 


TOP 5 

Annemarie Marais 

DRS QUEENSTOWN 

Eugene Cilliers 

PAYPLAN SOLUTIONS 

Judy Knoetze 

CREDIT MATTERS (KLERKSDORP) 

Liana van Wyk 

DEBT WISE GROUP 

Morne Olivier 

FREEDOM DEBT COUNSELLORS 

TOP 10 

David Marston 

ALGOA DEBT CARE 

David o’Brien 

MEERKAT 

Gerhard Stoltz 

GERHARD STOLTZ DEBT 

COUNSELLORS 

Russel Dickerson 

RD DEBT COUNSELLING 

Wendy Mashegare 

DEBT MEND

LARGE 


TOP 5 

CONSUMER DEBT HELP 

CONSUMER WISE 

CREDIT MATTERS 

DEBT THERAPY 

ZERO DEBT 

NATIONAL 


TOP 5 

DEBT BUSTERS 

DEBT RESCUE 

NATIONAL DEBT ADVISORS 

OCTOGEN 

PIONEER DEBT SOLUTIONS 

TOP 10 

DC PAYMENT SOLUTIONS 

DEBT CARE 

DEBT COUNSELLING GROUP SA 

(DCGSA) 

DEBT GUIDANCE 

TOP 10 

DEBT WORKS 

ONE DEBT 

RANDWISE DMG 

THE DEBT EXPERTS 

(DC EXPERTS) 

DEBT SOLUTIONS

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

DCASA REGIONAL 

MEETINGS IN MAY 

The Debt Counsellors Association of South Africa holds regular 

regional meetings with members to discuss industry matters. Here 

are some of the highlights of recent meetings. 

MAXIMUS 

Maximus gave a presentation about the benefits of using the Maximus frontend 

system (for Debt Counsellors and Attorneys). Among other features, 

the system checks NCR Debt Help to see if a consumer is already on the 

NCR system. It also pulls information from the consumer’s credit report to 

pre-populate a bunch of info which can help with the consultation with the 

consumer. Maximus allows Attorneys to draw documents for themselves 

about each consumer. 

The Debt Counsellor doesn’t have to then print and send them anything 

(other than a signed and commissioned affidavit) as the Attorney does all 

of that. Maximus costs R200/month which also includes 200 free sms/ 

month (you can sms right from the system) and 200 credit checks/month 

via Experian. Marital status checks are done via XDS).

DEBT REVIEW AWARDS 

Zak King gave a brief presentation in regard to the Debt Review Awards 

(at the Cape Town Meeting). He covered both where things stand in the 

process which has now ended, as well as, the plans for the coming Awards 

evening Gala which will be held in Cape Town in June. 

DEBT INTERVENTION 

A discussion and report back was held about the Portfolio Committee on 

Trade and Industry’s proposed Debt Intervention Bill (an amendment to 

the NCA). The process, much like administration, is aimed at consumers 

with R50 000 or less debt (with no assets). 

The first draft of the Bill received a lot of negative feedback when hearings 

were held at parliament and many threats were made about challenging 

the constitutionality of the bill which could eventually allow for some of 

these consumers debts to be written off after some time. There were also 

many concerns expressed over the proposed criminalising not reporting 

reckless lending. 

The Portfolio Committee want the NCR to handle debt interventions. It 

has been suggested that around 300 debt intervention counsellors with 

3000 support staff be appointed. The DTI anticipated around 1.7 Million 

applications and the NCR would have to review each proposal every year. 

It is a huge workload and many fear capacity issues and the costs involved. 

The estimated cost to taxpayers to fund work at the NCR would be around 

R475 Million.

DCASA REGIONAL MEETINGS IN MAY 

CREDIT INDUSTRY FORUM UPDATE 

Members were then given a brief review of what has and has not been 

happening at CIF. Some of the highlights (or lowlights) were: 

• DCRS has not been updated 

• Joint Bonds – DCASA has been really pushing for finality on the 

matter because the NCA doesn’t properly provide for it at present. 

BASA would like to see some sort of reference to the debt review on 

the non debt review consumer’s credit record. DCASA disagree and 

have asked the NCR to issue a guideline. 

• Reckless credit investigations - Credit providers do not want to give 

all the required documentation up front (due to massive cost and 

manpower implications). 

• Pension Backed lending – still no consensus. 

• POPI Act – CIF are discussing how this impacts the industry. 

• The withdrawal guidelines are being reviewed ( in view of the new 

NCR fee guideline). 

DEBT COUNSELLORS 

ASSOCIATION OF SOUTH AFRICA

STUCK 

USING 

ANCIENT 

TECHNOLOGY? 

Contact Maximus on 011 451 0041 | www.dcmax.co.za

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

Die Republiek van 

SKYT AFRICA 

Hallo Almal, 

Ek het onlangs met iemand gesels wat sy werk verloor het en dit is 

’n gebeurtenis wat ongelukkig baie mense te beurt val. Besighede 

sukkel om kop bo water te hou en besnoeiing van salarisse of te wel die 

salarisrekening is maar altyd aan die voorpunt as dit by besparing 

kom. Wat nou gemaak, was die eerste vraag wat opkom. Met bykans 

twintig jaar diens is daar ’n relatief goeie pensioen en die ideaal 

sal wees om dit te herbelê en weer die werkerskorps te betree. Dit is 

egter makliker gesê as gedaan -- werk is skaars en die poste wat wel 

beskikbaar is, bied ’n baie swakker salaris aan -- tot so veel as vyftig 

persent minder. Is die kool die sous werd? 

Die vraag het ook ontstaan of die korporatiewe wêreld (en in die proses 

verryk base hulle) steeds ’n opsie is, of het die tyd nou aangebreek om die 

horison te verbreed? Dit is van kleins af by ons ingeprent jy moet ’n werk 

hê en om vir ’n baas of base te werk, is die in-ding. Daar is egter duisende

suksesvolle entrepreneurs daar buite wat werk aan ander verskaf, mense 

wat geleenthede geïdentifiseer het en ’n mark geskep het. 

Die verlies van ’n werk hoef nie altyd negatief te wees nie -- dit is moontlik 

’n deur wat oopgaan waar die kreatiewe denke na vore kom en drome 

bewaarheid kan word. Natuurlik is dit nie iets wat gatoorkop aangepak 

moet word nie en sal deeglike beplanning en navorsing verg. Die probleem 

wat die meeste eenmansake het, is dat hulle hul diens of produk nie korrek 

prys nie, gewoonlik te goedkoop om die transaksie te beklink sonder om 

die insetkoste behoorlik in ag te neem. 

Baie dinge in die lewe gaan oor ’n kopskuif -- is ek reg ingestel, is ek positief 

en is daar ander geleenthede wat vir my wag? Moet jou nie verknies in 

wat kon gewees het of wat moes gewees het nie; as jou omstandighede 

verander, sprei jou vlerke en vlieg ’n slag! 

Groete. 

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

HELPING 

VULNERABLE 

CONSUMERS 

CAN YOU CROCHET? 

CAN YOU KNIT? 

CAN YOU BUY WOOL? 

JOIN US IN OUR ‘BLANKETS FOR BABIES’ DRIVE! 

Contact admin@dccsupport.co.za 

DEBT COUNSELLING 

COMMUNITY SUPPORT

Debt Counsellors Collective 

iDCC is waiting to hear back from 

the NCR in regard to our official 

request to join CIF. 

Public register of slow paying 

companies. Before you do 

business with anyone, 

click to see if they are listed 

We encourage non-affiliated 

DCs to join. 

http://www.gentlereminders.club/ 

We encourage all member 

DCs to sign up to use 

Consumer Friend’s DReX 

system to make their lives 

easier. 

www.allprodc.org

We wish our 

collegues all the 

best for the coming 

Annual Debt Review Awards 

www.bdcf.co.za 

Regional Meetings 

KZN 20 June 

Free State 13 July 

Gauteng 17 July 

W Cape 24 July 

Annual DCASA Conference 

Gauteng 22 August 

Check the website for 

upcoming regional meeting 

dates in other provinces. 

We wish our 

members and all 

industry players the 

best at the upcoming 

Debt Review Awards 

www.dcasa.co.za

don’t be a twit 

http://twitter.com/Debtfree_DIGI

KIM 

ARMFIELD 

AND ASSOCIATES 

When debt 

review clients 

don’t pay they 

put your entire 

practice at risk! 

We make sure you get paid for 

the work you’ve already done! 

Tel: 021 949 1758 | 084 702 3760 

info@legalwc.co.za | www.capeattorney.co.za

CLICK THE C 

SERVICE D 


SUPPORT 

SERVICES 

TRAINING 

FINANCIAL 

FINANCIAL 

PLANNING

IRECTORY 

ATEGORY 

DO YOU WANT TO LIST 

YOUR COMPANY? 

directory@debtfreedigi.co.za 

LEGAL 

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DISTRIBUTION 

AGENCIES 

CREDIT PROVIDER CONTACT 

DETAILS & ESCALATION PROCESS


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 

“Helping you the SMART way” 

0860 061 008 

info@smartdebtadvisors.co.za 

www.smartdebtadvisors.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

Get 

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National Debt Advisors 

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Tel: 021 007 1688 

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KWAZULU- 

NATAL 

2014 

Debt Review 

Awards 

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2016 

Debt Review 

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2017 

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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

DEBT FREE, STRESS FREE 

AND LIVE BETTER 

084 367 1236 


info@bmhdebtsolutions.co.za 

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17 Arbee Drive, MP Centre 

Office 09, Tongaat,4400 

Registered Debt Counsellor 

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Cape Town 

Tel: 086 111 6197 

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Tel: 021 007 1688 







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LIMPOPO 



Tel: 021 007 1688 







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Tel: 086 111 6197 

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Depopulating a generation of over 

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generation. 

Office no 2, 5 A Schoeman Street, 

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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 





086 999 0606 



2014 

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2016 

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MPUMALANGA 

GMC Debt Solutions 

52 Kerk Street 

Lydenburg 

Tel: 087 802 7054 

Tel: 087 151 1034 

www.gmcdebtsolutions.co.za 



Tel: 021 007 1688 


Romi Oliphant 

Debt Counselling 

Service 

013 650 0116 

rodcs4u@gmail.com 

http://rodcs4u.webs.com/ 

WhatsApp 

062 502 5987 





winning South Africa’s Debt Counsellor. 

Leading 




086 Cape 999 Town 0606 

Tel: 086 111 6197 

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2014 

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Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

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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 





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2014 

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Tel: 021 007 1688 







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Tel: 086 111 6197 

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NORTHERN CAPE 





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Tel: 021 007 1688 







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Tel: 086 111 6197 

Fax: 021 425 6292 


EASTERN CAPE 





086 999 0606 



2014 

Debt Review 

Awards 

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2016 

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2017 

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WEBSITE | www.debt-therapy.co.za 

debt therapy 

integrity guaranteed 

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Tel: 021 007 1688 


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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 

CHOOSE 

YOUR 

FINANCIAL 

FREEDOM 

TODAY 

Tel: 021 204 8001 • Email: dc@ffsdc.co.za 

www.financialfreedomsolutions.co.za 

dc@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 

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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





086 999 0606 



2014 

Debt Review 

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2016 

Debt Review 

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2017 

Debt Review 

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Take control 

of your finances... 

Marie Kruger 

NCRDC2039 

021 919 2271 

083 460 3689 

marie@helpmydebt.co.za 

www.helpmydebt.co.za 


0860 061 008 



RIGHT STEP TO A 

DEBT FREE LIFE. 

086 111 2274 

081 785 3724 

info@logicaldebtsolutions.co.za 

www.logicaldebtsolutions.co.za

SUPPORT SERVICES 

011 451 0041 

0860 072 768 

www.dcmax.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 

FINWISE - INNOVATIVE DEBT M 

Tel: 011 451 0041 

Tel: 0860 072 768 

www.maxpayments.co.za 

Debt Review Software 

Tel: 016 004 0031 

South Africa’s premier 

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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 

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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

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

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

mmulaudzi2@fnb.co.za

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

mmulaudzi2@fnb.co.za

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

Debtfree Magazine May 2018

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