Debtfree Magazine November 2018

SOUTH AFRICA’S DEBT COUNSELLING MAGAZINE 

HOW 

COMMITTED 

ARE YOU TO 

THE PROCESS? 

November 2018 

www.debtfreedigi.co.za

5

How many times have you told 

yourself that when summer 

arrives this year you are not 

going to make the same winter 

mistakes you did last time. You 

tell yourself that this time you 

are going to be in beach ready 

shape by the time summer rolls 

around. 

Does that sound familiar? It is 

always a betrayal then when this 

time of year comes around and 

the bathroom scale seems to say 

that your good intentions may have 

been in vain. 

If you do want to get in shape then 

you may consider a diet of some 

sort. Now, diets are admittedly 

more interesting to research, plan 

and discuss than actually do. They 

require a lot of self-restraint (and 

you miss out on all the yummy, 

naughty stuff your friends insist on 

eating in front of you) . You have to 

really commit if you really want to 

lose weight. 

In a similar way debt review too takes 

a very high level of commitment to 

make it through the process. The 

question then is: Have you really 

committed to the process? Check 

out the article on the topic in this 

issue and be sure to look out for 

warning signs that you may not be 

as committed as you think. 

We also have lots of recent news 

from the industry and reviews you 

will want to check out. Suddenly 

the end of the year beckons and 

brings with it dangers which we 

discuss in this issue in some detail. 

Will you make any classic debt 

review blunders this December or 

will you be able to make it through 

the end of year successfully? Be 

on the lookout for some simple 

tips on how to avoid the dangers. 

If you are looking forward to not 

only the end of year break but 

also getting out of debt then you 

have just a few more days to plan 

how you will deal with December. 

So, break out those costumes and try 

them on in the privacy of your own 

home. See if your winter routine has 

let you down or not but whatever 

the result make sure that your debt

eview routine doesn’t waiver. Make 

those payments. 

Soon you will be ready to rest and 

relax and perhaps even sooner than 

you think you may be debt free. 

FROM 

THE 

E 

D 

IT 

O 

R

HOW COMMITTED ARE 

YOU TO DEBT REVIEW? 

C 

WIN AN 

ONLINE 

COURSE 

THE DREADED 

DECEMBER 

O 

NTENTS 

NEWS 

SERVICE 

DIRECTORY 

DISCLAIMER 

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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 

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mentioned herein are believed to be reputable, 

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Magazine, authors and contributors reserve their 

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Don’t let debt be your legacy. 

Debt leaves a mark on all of us. And if we don’t manage it, it can pass from us to our children. 

But if you call us today we can help you. We have already helped 50 000 South Africans just like you. 

We can significantly reduce the monthly payments on the money you owe, so you can pay off your debt 

and live your daily life stress free. What is your financial freedom worth to you and your family? 

Call 087 237 7874 today and together we can take control of your debt. 

DebtBusters voted SA’s BEST National Debt Counsellor 

at the SA Debt Review Awards 2014, 2016, 2017 & 2018 

DebtBusters employs NCR registered debt counsellors | www.debtbusters.co.za

DEBT REVIEW 

SCHOOL 

Know your abbreviations: 

NCR = National Credit Regulator 

NCA = National Credit Act 

NCT = National Consumer Tribunal

THE DREADE

D DECEMBER

DREADED 

DECEMBER

For many people December is simply the best month of the year. They 

look forward to the end of year break and all the holidays. Kids will 

be able to rest and have lots of time with their friends and family 

and adults will get at least a few days off to do the same. A select 

few even receive the ever elusive 13th cheque or end of year bonus at 

the end of the work year. 

Malls will fill up as people head out to the shops, movies and baskets 

will be filled with gifts for friends and relatives as consumers head out to 

consume. Families may even pack their bags and head to the mountains 

or the coast for a well deserved getaway. The economy will get a boost 

and people will stretch those credit cards to the max as they try to live it up 

and have some fun. 

For those under debt review December is just another month to stick to 

their limited budget and make sure they pay their debt. In fact, the figures 

show that for those under debt review December is one of the toughest 

months of the year to stay in the process. 

For some who have been loyally paying their debts via debt review for 

many months or even years, December can be the straw that breaks the 

camel’s back and sees them bomb out of the process. This means that 

after all this time they will lose all the benefits they have been enjoying and 

will be thrown back to the collections wolves.

DREADED DECEMBER 

WHY IS DECEMBER 

SO TOUGH? 

Over the past decades marketing people have built up a false hype 

around December as they have tried to drive consumers to hit the 

shops and clear the shelves. Over time many have come to feel a 

sense of entitlement and expectation of going on a trip in December 

or getting gifts at the end of the year. 

This social pressure that often comes from the greed of others (even 

members of our own families and circle of friends) can drive those who are 

financially responsible throughout the rest of the year to crack in December. 

Rather than spending time with family and friends many of the end of year 

holidays have become almost exclusively about getting gifts. Many who 

travel back home during the end of year break from their jobs in the big 

city are expected to come either with cash in hand or many expensive gifts 

(or even better, both). 

Over spending in December leaves many consumers exposed when 

January rolls around and they are faced with a lot of extra annual costs 

such as new school clothes or stationery items for their kids. For those 

under debt review such reckless financial behavior is no longer an option.


DON’T LET 

DECEMBER 

TRIP YOU UP 

Where possible those who are under debt review should be wise and 

stick well within their budget. They should avoid any sudden increase 

in spending 

However those who have planned ahead and have been able to stick 

within their monthly budget over time may have been able to set aside 

a few extra rand during the preceding months to make use of during 

December. This may allow them to still travel to visit family. 

Rather than give large lavish gifts try to share thoughtful smaller low cost 

items or consider clever re-gifting ideas. Many smaller gifts and cards can 

be made at home in order to save money.

Let your family and friends be the ones who give to you this year. Don’t try 

and compete. 

Don’t let others greedy expectations destroy your entire financial future. 

Kids enjoy time with family and friends so make an effort to organize some 

fun for them. 

Cheap beach days and mountain adventure walks can be just as fun as 

expensive movies and hanging at the mall.

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


YOU DESERVE A 

BREAK FROM DEBT 

After a long hard year you may be focused on simply not being 

at work and the humdrum routine which wears you down. You do 

deserve a break. You do deserve some fun. Absolutely! 

With a little forethought and restraint you can ensure that you do this without 

running up big bills and running into trouble making your debt review 

payment this December. 

It’s rare these days to get a 13th cheque or bonus but it does sometimes 

happen. If you are fortunate enough to get one, what should you do with it? 

• Hit the shops, buy that flat screen tv? 

• Treat yourself? 

• Speak to your DC for advice? 

• Use to cover needed jan/annual costs and settle smaller debts? 

• Or distribute it to all debts evenly? 

Remember that you are trying to give yourself and your family the best 

financial gift of all - getting out of debt. If you do get a bonus why not talk 

to your Debt Counsellor about how best to use it?

HOW 

COMMITTED 

ARE YOU TO 

DEBT REVIEW

HOW 

COMMITTED 

ARE YOU? 

commitment 

- noun - 

“a willingness to give your time and energy to something that you 

believe in, or a promise or firm decision to do something” 

~ Cambridge Dictionary 

In life we often are asked to commit to doing things. A commitment requires 

that we mentally and emotionally decide to see something through from 

start to finish. 

For example, a couple may decide to make a commitment to stick together 

and get married or they may commit to having a child together. 

A child may ask a parent for a puppy. The parent asks the child if they will 

care for, feed and walk the pet on an ongoing basis and not only at first 

when the puppy is still fuzzy and new.

These are not short term, impulsive matters but require many years of 

energy through thick and thin to truly succeed. 

It is important to realize that debt review also requires commitment to 

be successful. Those who start the process must be prepared to see it 

through despite obstacles and even their own past bad financial habits 

and impulses. 

Those who start the process only to drop out after a short time actually 

often make their financial situation even more complicated than before 

and so a lack of commitment can really hurt those who lack staying power. 

Many who enter the debt review process find that there are certain 

challenges that they need to overcome to be successful. Debt Counsellors 

will be quick to tell you that their clients struggle to stick to the process at 

certain times of the year, like December or Easter. 

Consumers also have to force themselves to avoid old bad habits and 

mistakes. The urge to splurge, to treat yourself and to dress and eat at 

places that impress others can be hard to overcome. 

Hanging out with friends or family members who overspend can also be 

a trap for some. They may find it hard to stick to a new budget when the 

people they choose to spend time with are not wise with their spending.

HOW COMMITTED ARE YOU? 

DIET 

EXERCISE 

DEBT REVIEW

In many ways the challenge of sticking to debt review and seeing it 

through is similar to that of starting a new diet or exercise routine. 

At first, it is all fun and new but over time, as it becomes routine, you 

need real commitment to see things through. 

Starting a new Diet 

All your research 

tells you this is the 

right diet for you. 

You picture yourself 

shedding those extra 

Kgs. 

What at first was fun 

is now becoming 

routine and boring. 

All the people around 

you are eating 

delicious naughty 

stuff making it hard 

for you to stick to 

your diet. Those kgs 

are stubbornly still 

hanging around. 

Joining a Gym 

They offer you a 

month for free and 

a personal trainer 

shows you the 

exercises that will help 

you get in shape. 

After the initial 

excitement you 

struggle to get to gym 

regularly. Work and 

social commitments 

start to get in the way. 

You see little progress 

and get disheartened. 

It has been a few 

weeks. Why don’t you 

look ripped yet? 

Entering Debt Review 

The benefits are 

many. No more 

collection calls, 

reduced monthly debt 

repayments. What’s 

not to like? 

After the initial 

honeymoon period 

all you do is pay and 

pay. You seem to 

make little progress. 

Unexpected bills 

come along placing 

pressure on your 

reduced monthly 

budget. You feel like 

you are not making 

any progress.

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


UNDERSTAND 

YOUR DEBT 

REVIEW GOAL 

Different people enter debt review for different reasons. This can then 

have an impact on how much they intend to see the process through. 

For example, some may join debt review simply to get the banks’ collection 

agents off their backs. They may not really care about a long term solution 

to their debt but may be more focused on no longer being harassed. They 

may actually enjoy spending money they don’t have and are not really 

concerned about getting out of debt. 

Others may really want to pay off all their debt but cannot manage to do 

that and still cover their monthly needs at home. So, they are forced to 

pick and choose between debt repayments to some creditors and basic 

necessities for their family. For them debt review offers a new way to try 

balance the two.

Others would really like to get rid of their smaller debts so that they can 

regain financial control over their situation and stop being forced to pay 

heavy penalties and interest fees for making use of short term credit. Debt 

review could help them do this. 

Finally, some just want to get out of debt. They want to clear the slate and 

not owe anyone anything. They want to settle their small and large debts 

no matter what it takes. Debt review gives them a plan and way to do this 

within a reasonable period of time. 

Debt Counsellors often assume that their clients want to get the full benefit 

of debt review and would like to settle all their debts entirely. This is, after 

all, the basic idea of debt review. The challenge they then face is to help 

those who start debt review with some other goals to then adopt this 

ultimate goal: to get out of debt. 

That said, their client may simply want to use the process to regain control 

and gain the time and breathing space they need to turn things around 

financially in their lives. In such a case the Debt Counsellor will also be 

able to assist the consumer to leave the process earlier but it takes good 

communication between Counsellor and client to ensure they are both on 

the same page.

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HOW COMMITTED ARE YOU 

WHAT IS YOUR 

DEBT REVIEW GOAL? 

Have enough to 

cover basic costs 

each month... 

Pay off your 

smaller debts... 

Get debt collectors 

off your back... 

Pay off all 

your debts... 

While you may start the debt review process with only one goal in mind, 

you may find that you learn that all these goals are all important steps 

along the way to becoming debt free. They are, in fact, a way for you to 

measure your success in the process.


WAYS TO MEASURE 

YOUR PROGRESS 

Here are some milestones which you should keep in mind while under 

debt review. If you reach these milestones then you know that you 

are making progress and debt review is working for you. 

1 

You make your Second Debt Review Payment 

By month two you have now paid half of all the fees you will 

probably ever pay while under debt review. 

2 

You get your granted Court Order 

This legally binding court order makes it harder for your credit 

providers to step out of line and go back on any promises they 

have made. 

3 

You get through your first December and January 

This is a time of year when many fall out of the process due to

poor planning during the months leading up to December and 

over spending. If you make it through this means you have really 

embraced the process. 

4 

Get through a whole month without thinking about how 

your debt is stressing you out. 

If debt review has now become part of your monthly life then this 

is an important day. You are finally in the swing of things. This is 

actually a milestone showing that you are on the way to success. 

You are now in financial control. 

5 

You reach the Half Way Mark 

Your court order will tell you approximately how many months it 

will take to pay off your debt according to the new restructured 

repayment plan. Once you reach the half way point you will finally 

start to notice the balances on your debts beginning to shrink in 

a more obvious way. 

6 

A Smaller Debt Gets Paid Off 

One of your debts being finally paid off is a big deal. With 

debt review it is often true that even smaller debts are repaid 

over longer time periods. This can make it seem like things are 

dragging on. So, a debt paid up, even a smaller one, is a big 

deal and should be celebrated. 

7 

One Debt Left 

You can finally see the light at the end of the tunnel and even if it 

has taken you many months or even years you can start to focus 

on where to next. Now you can begin to plan to build financial 

wealth rather than just be stuck with debt.


WARNING SIGNS THAT 

YOUR COMMITMENT 

MIGHT BE WANING 

Do you have a desire for new things you cannot afford? Are you 

always shopping online or talking about things you want to buy? 

Are you frustrated with how long it is taking to pay off your debts through 

debt review? Even though you have a court order that tells you how many 

months it is going to take do you feel that you are not getting anywhere? 

Do you feel that your situation would be much better if you could just get 

another loan again like in the past? 

Are you nitpicking about the process rather than discussing any possible 

issues with your Debt Counsellor? Have you forgotten how much debt 

review is helping you every single month?

South Africa’s 

leading Debt Counsellors 

since 2007 

Start getting out 

of debt today! 

www.creditmatters.co.za 

Call our national 

call centre on 

086 111 6197

THE END OF THE 

YEAR IS COMING 

SOME DEBT REVIEW PARENTS MAY NOT BE ABLE TO REWARD 

THEIR KIDS WITH SOMETHING NICE BECAUSE THEIR BUDGETS 

ARE STRETCHED TO THE LIMIT. 

Debt Counselling Community Support are putting together a few End of Year 

gift hampers for families under debt review who are having a tough time at the 

moment making ends meet. The hampers have a little something nice for all in 

the family and might help bring a little joy to the close of a long and hard year. It 

may be just the boost to help them keep on going in the months ahead. 

If you would like to be part of the End of Year Hamper drive then please email us 

and offer a little financial support. 

admin@dccsupport.co.za 

DEBT COUNSELLING 

COMMUNITY SUPPORT


HOW LIKELY IS 

THIS PERSON 

TO SUCCEED?

10% commitment to paying off Debt 

Just tired of getting collection calls. Willing to 

try anything for a while, including debt review, 

to get those calls to stop. Still wants to live their 

old life style. 

WILL 

FAIL 

33% Commitment to paying off Debt 

Debt Review sounds great. They plan to 

temporarily use the process to turn things 

around and once things are better will go back 

to how things were before. Misses shopping 

at their old expensive shops and still hangs 

around with friends who overspend. 

WILL 

FAIL 

66% Commitment to paying off Debt 

Researched Debt Review and knows it is a great 

way to settle debt. Happy to get all the benefits 

but still likes to live the good life if possible. 

Tries to hide some facts and figures even from 

the Debt Counsellor who is helping them so 

that they can still have some little luxuries. 

WILL 

FAIL 

if they hit a 

rough patch 

along the way 

100% commitment to paying off Debt 

Prepared to do whatever it takes to get rid of 

debt and then stay out of debt. Understands 

Debt Review and how it works. Tracks their 

progress. 

LIKELY TO 

SUCCEED


COMMIT TO 

SUCCEED 

To make use of debt review to get out of debt takes commitment. For 

most people it is a process that they will be in for a number of years 

(as is true of paying back most debts anyway). 

It requires that you adjust your way of spending. It requires that you learn 

to be patient. It requires that you see the big picture and not only be 

focused on instant gratification. That’s hard for many people. 

For those who embrace the debt review process and commit to it 100% it 

is a financial lifeline that turns their entire lives around from debt slavery 

to financial freedom. By knowing what your debt review goals really are 

and being aware of important milestones along the way, you can remain 

motivated even when the process becomes routine. 

Soon, like those who stick to their diet and exercise routine you will be 

looking finically fit and sexy. You will have shed the debt that was weighing 

you down and be ready to begin to build true financial wealth without the 

burden of debt.

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

DEBT REVIEW 

SCHOOL 

The National Credit 

Regulator is in charge 

of registering and 

monitoring credit 

providers and Debt 

Counsellors.

NEWS NCR CONSUMER 

EDUCATION 

NCR HIRE 

RESEARCH FIRM 

The National Credit Regulator 

has acquired the services of 

consultants RedFlank to conduct 

an impact assessment of debt 

counselling as a debt relief 

measure since its inception in 

2007. 

The National Credit Regulator 

are tasked with regulating 

all those who participate in 

the credit industry including, 

credit providers, credit bureau, 

Alternative Dispute Resolution 

Agents, Payment Distribution 

Agents and Debt Counsellors. 

The National Credit Act also 

lays the heavy burden of 

educating South Africans about 

their credit rights and about 

the NCA. This month the NCR 

hosted a workshop with the 

public in Katlehong to help 

educate consumers.

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

DTI RESEARCH 

FORUM 

DCASA LAUNCH 

INVESTIGATION INTO 

NCA SECTION 71 

Though you may not have 

heard about it yet the 

Department of Trade & Industry 

are holding a research forum 

during December into current 

trends and the impact of the 

debt counselling industry 

in South Africa. The Market 

Research and Trend Analysis 

Chief Directorate of the 

Consumer and Corporate 

Regulations Division of the 

DTI will be holding a forum 

on the 6th of December in 

Gauteng (Sunnyside Pretoria). 

The forum will focus in on 

the current trends, challenges 

and the overall impact of 

debt counselling since it 

was introduced in 2007. 

Those wanting to attend 

have been asked to RSVP to 

LMorwamohube@thedti.gov.za 

The National Credit Act allows 

consumers who are under debt 

review, who pay off all their 

smaller credit agreements, to 

leave debt review and continue 

paying off their large debt (such 

as a bond). 

This change was made after 

it was realised that previously 

the wording of the NCA meant 

that a consumer who had 

a bond should stay in debt 

review until all debts were 

settled. This would then mean 

that consumers with a bond 

would potentially be in debt 

review for many years, possibly 

decades. Since this was clearly 

not the intention of the Act an 

amendment was made. 

Now any consumer, who pays 

off their short term credit and 

perhaps a vehicle loan and is

only left with a bond, can leave 

debt review and continue with 

reasonable payments towards 

their bond. They can then have 

the debt review status removed 

at the credit bureaus and can 

access credit again (if they can 

afford to do so). 

The Debt Counsellors 

Association of South Africa 

(DCASA) is currently preparing 

a report on how effectively 

the various large banks are 

managing this process. There 

are some who say that the 

process is being inconsistently 

dealt with and some consumers 

are getting the short end of the 

stick. 

The purpose of the changes to 

the NCA was to make it easier 

and safer for consumers with 

bonds to make use of the debt 

review process to sort out their 

short term credit issues while 

keeping their assets safe. If 

some banks are now making 

requirements of consumers which 

threaten their assets this would 

be defeating the purpose of those 

amendments. DCASA hope that 

the report will help inform the 

NCR and industry and assist with 

future implementation of this 

Section of the NCA. 

Certain consumers who wish to 

make use of this provision are 

told to first leave debt review 

entirely and only then will 

the bank negotiate with them 

about the required monthly 

repayment amount. This 

poses a danger since once the 

consumer has left the safety 

of debt review then the bank 

could demand a much higher 

payment than the consumer 

can afford.

STUCK 

USING 

ANCIENT 

TECHNOLOGY? 

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

NCT DISTRIBUTE 

RULING ON DEBT 

REVIEW 

In a bit of an unusual move the 

National Consumer Tribunal 

sent out a ruling about a debt 

review matter to all Debt 

Counsellors across the country 

via blast email this month. 

Other organisations and 

associations were also asked 

to spread the word. The ruling 

had to do with consumers 

who had been in debt review 

once before and, among other 

things, what accounts could be 

included in debt review or not. 

The Debt Counsellors involved 

are one of the largest in the 

country and because the ruling 

went against them it appeared 

to be rather negative for them. 

The firm has now decided to 

take the matter back to the 

NCT for another hearing since 

they did not actually know 

about the case the first time it 

was held. They never even got 

to attend. Because they did not 

present information to the NCT 

about his case the ruling was 

made without all the relevant 

information. This is important 

since this will then significantly 

alter the ruling after the matter 

is heard again this time with all 

parties present. It seems that 

the very unusual decision to 

so quickly and publicly share 

the ruling may have been 

somewhat premature after all.

PROFESSIONAL DEBT 

COUNSELLING ATTORNEYS 

TEL: 021 872 1968 

11 MARKET STREET, PAARL 

www.steyncoetzee.co.za

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

Die Republiek van 

SKYT AFRICA 

Hi Almal, 

Die jaar staan nou vinnig einde se kant toe, oral waar jy in die 

winkelsentrums kyk is die speelgoed, Kersversierings en dies meer so 

strategies geplaas dat jy dit kwalik kan mis kyk. Dit voel eintlik of die 

winkels nou minder loopspasie het en dat jy enige oomblik oor iets gaan 

voeter en n helse berg vrugtekoek op jou gaan neertrek. Sommige kinders 

is ook merkbaar soeter, seker maar die dreigement dat Kersvader nie 

geskenke vir stout kinders bring nie. 

Dit is elke persoon se keuse hoe hy of sy wil Kersfees vier en ek wil nou 

regtig nie n polemiek daaroor veroorsaak nie, leef en laat leef. Krismis 

is ook vir die gelukkiges n bonus of n 13de tjekkie, in baie gevalle nooit 

genoeg nie maar tog nooit te versmaai nie. Nog gelukkiger mense het 

ook in hierdie tyd n welkome breek, vakansie om die batterye te herlaai vir 

volgende jaar. Volgende jaar met hopelik meer vreugde en minder vrese. 

Maar terug na die hede, elke koerant is gepak met brosjures gevul met 

die spesiale aanbiedinge, die “Krismis specials” so vol belofte van iets wat 

n mens graag wil hê. Erge uitlokking!

Jou krediteure is ook bewus van hierdie kooplus wat kliënte hierdie tyd 

van die jaar oorval. Hulle weet vir n feit dat paaiemente oorgeslaan 

gaan word en dat mense dit doelbewus doen. Hulle weet ook dat kliënte 

ongeskik gaan wees wanneer hul verskonings van onvoorsiene uitgawes 

nie aanvaar word nie. Snaaks hoe mense kan kwaad word as hul willens 

en wetens iets doen wat verkeerd is en dit dan probeer regverdig. As jy 

onder skuldberading is het jou skuldberader al seker vir jou gesê moenie 

vir jouself n gat grou waaruit jy nie kan kom nie en dan almal na die tyd 

probeer blameer nie. 

My boodskap is dus eenvoudig, betaal eers jou skuld voordat jy in die 

versoeking val om hierdie feesseisoen te spandeer wat jy nie kan bekostig 

nie. Moenie dat jou nuwe jaar op n negatiewe noot begin wat die hele jaar 

finansieel kan bederf nie. Hou matigheid voor oë wees verantwoordelik, is 

dit nie tog wat ons by die kinders tuisbring nie, n sin vir verantwoordelikheid? 

Moenie soos n stoutkind optree nie, die gevolge kan onsmaaklik en 

verreikend wees. 

En pasop vir BLACK FRIDAY! Onoordeelkundig koop met n ander se geld 

kan n donker toekoms skep, pikgitswart met nie eens n lig in die einde van 

die tonnel nie. Desember wat voorlê is soos enige ander maand wanneer 

dit by jou finansies kom, doen n begroting en hou daarby, moenie op die 

ingewing van die oomblik vasgevang word nie, moenie verantwoordelik 

wees vir jou eie staatskaping nie! 

Groete, 

Christo 

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

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/

FREE LEGAL RESOURCE 

DOWNLOAD ALL THE LATEST LEGISLATION 

Do you sometimes find that you are struggling to locate the current 

version of the National Credit Act? 

Be sure to check out 

http://www.lawsofsouthafrica.up.ac.za/ 

The University of Pretoria working along with legal firms such as 

Webber Wentzel, Werksmans, Adams & Adams and the SA Institute 

of Chartered Accountants have a fantastic legal resource available to 

the public which shows the latest SA legislation. 

The website, run by the Oliver R Tambo Law Library and supported 

by the Constitutional Court Trust, features both the current and past 

versions of many Acts (including the National Credit Act) as well as 

many other legal resources.

PAST VERSIONS 

The laws of South Africa website also features past versions of Acts. 

This can be extremely convenient and helpful when trying to find a 

copy of an Act or related regulations for a particular time or just to 

save in digital format on your device. 

You may need to argue a point in a case that requires you to know 

what the legislation said at a particular point in time (eg in May 

2010) but you may now only able to easily find the current legislation 

which has since changed. This site will give you access to the older 

form of the Act or regulations which were applicable at that date. 

Best of all, the site features a search function which can help you 

quickly locate the desired Act. 

NEED A HARD COPY? 

This is a great resource for those working in the industry and is super 

convenient to use. For those who would like a hard copy of the Act to 

make notes on and take to court, you are most welcome to visit the 

Debtfree online shop and have one delivered to your door. The NCA 

Booklet also features a CD with the latest electronic version of the 

Act.

www.collectnetpda.co.za

Debt Counsellors Collective 

The NCR has confirmed that the 

Debt Counsellors Collective has 

been granted a seat at the Credit 

Industry Forum. We will be able to 

represent members there in the 

future so be sure to sign up for 

the Collective: 

alanm@moneyclinic.co.za 

Listen to a great interview with 

Toby Chance MP, Shadow 

Minister for Small Business 

Development in SA. Toby is 

introducing new legislation that 

creates an Ombudsman for small 

businesses 

https://soundcloud.com/scottcundill/toby-chance-mp-and-the-neweconomic-rights-alliance 

The DTI are holding a 

Research Forum Into 

Debt Counselling in Dec. 

Did anyone invite you 

to attend or contribute? 

Check our Facebook 

page for discussion. 

www.allprodc.org

Did you hand in your 

quarterly report during 

November? 

www.bdcf.co.za 

AGM Highlights: 

NEC remains unchanged for 2019 

New Constitution Uploaded onto 

website 

DCASA want to thank all industry 

stakeholders for their contribution 

to the industry this year & our 

loyal members for their support. 

NDCA continues to actively 

participate in industry 

forums, including the 

CIF, and looks forward 

to the implementation 

of proposed DCRS rule 

changes 

www.dcasa.co.za

WIN 

FREE ONLINE TRAINING 

WORTH R1050 

All Debt Counsellors need to write business memos, letters and emails to credit 

providers and clients, even reports to associations or the Regulator. This requires 

that you know how to write using the correct tone, wording and phrasing. 

Business writing may not be your strong point and there is a danger that you express 

yourself unprofessionally or incorrectly when dealing with others. Fortunately, 

Corporate Rebels have an online eLearning course which can help called Business 

Writing That Works. 

One of the very interesting and helpful features of this particular course is the 

sound clip bar at the top of each page. This means that you can simply click and 

listen to the course material being read. This is a great feature for those who don’t 

love to read but do love to learn. The course takes you through standard document 

and email layouts to common business etiquette and more. For those running an 

office who want to upskill their staff or those who would like to improve their own 

correspondence skills this is a great course.

WANT TO WIN AN ONLINE 

TRAINING COURSE? 

To Enter & Stand a Chance to Win* 

answer this COMPETITION QUESTION: 

In Business writing you need to learn how to write 

and proofread your work so that it is C______, 

C_________,C________and Correct. 

Let us know what the three missing words are via email and you will be 

entered into the draw to win a online course about business writing valued 

at R1050. 

In order to find the three missing words that start with the letter ‘c’ you must 

follow the following steps: 

1. Go to www.rebels.co.za 

2. Click on TRAINING and then go to eLearning 

3. On the eLearning page download the eLearning Brochure . 

4. On the eLearning Brochure find pg 49 and search there for a sentence 

that will give you the missing words. 

CLICK HERE TO EMAIL US YOUR ANSWER 

* T&Cs exist and the final winner will be notified by email. The winner will be chosen by 

Corporate Rebels and their decision is final. Debtfree does not control who wins or the T&Cs. 

For more info head over to Corporate Rebels website: http://www.rebels.co.za/eLearning/

CONSUMER FINANCIAL 

EDUCATION FOUNDATION 

The Consumer Financial Education Foundation (Confef) has been 

around for just over a year now and has been making a positive impact 

on consumers around the country. 

Confef’s objectives are to empower, protect and promote consumer rights 

to those previously unaware of them. In their various outreach programmes 

over the last 12 months, Confef say that they have realised that there is still 

a huge lack of knowledge and understanding among many communities 

of the available debt relief measures out there. This just goes to prove the 

need for more consumer financial education, particularly in regard to debt 

counselling. 

Confef say that they have seen how chronic levels of over-indebtedness 

is contributing negatively to the socio-economic ills and challenges faced 

by millions of people around the country. They believe that education and 

innovative programmes which bring about behavioral change will help 

drive positive change in the country. 

Confef have partnered with several organizations and firms in an effort to 

take financial education to local communities including: supporters XDS, 

FSCA & DCASA and sponsors Debtfree & DC Partner PDA. 

One of their many highlights this year has been participation in the 

Money Smart Week (8-12 October 2018) organized by the Financial 

Sector Conduct Authority. 

Confef is a registered NPO

Confef believe that through collaboration and financial support, a lot 

can be achieved in improving the financial well-being of consumers 

while growing and sustaining the debt counselling industry. 

Support Welcome 

Confef say that they are eager to do as much as they can given their limited 

budget to try increase awareness of the debt review process and what it 

involves. They are planning to get to as many people as they can in 2019. 

Founding member Octavia Hlatswayo says that they always welcome 

support and sponsors who want to work together towards this 

goal. People need to learn about debt review and make use of 

it. We always try to educate people about this option. 

If you would like to get in contact and offer support then you can 

visit their website www.confef.org.za 

or email Octavia@confef.org.za

don’t be a twit 

http://twitter.com/Debtfree_DIGI 

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

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 

“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 

debt relief ¨ 

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help today! 

016 423 3029 

082 812 5442 

info@resolutiondebt.co.za 


largest and most 

trusted, multi-award 

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www.debtbusters.co.za 

2014 

Debt Review 

Awards 

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Tel: 010 005 5326 

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www.dpalegal.co.za





National Debt Advisors 

Fighting For Consumer Justice 

Tel: 021 007 1688 

www.nationaldebtadvisors.co.za 

086 999 0606 



KWAZULU- 

NATAL 

2014 

Debt Review 

Awards 

WINNER 

2016 

Debt Review 

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2017 

Debt Review 

Awards 

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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

Get 

debt relief ¨ 

with our 

help today! 

082 937 7874 

082 812 5442 

denise@kzndebtcounselling.co.za 


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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 





086 999 0606 



2014 

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Awards 

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2016 

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LIMPOPO 



Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

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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 





086 999 0606 



2014 

Debt Review 

Awards 

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2016 

Debt Review 

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2017 

Debt Review 

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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 

Fax: 021 425 6292 




2014 

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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 





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Tel: 021 007 1688 







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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 



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2016 

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2017 

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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 

" There is no Dignity quite so Impressive and 

Independence quite so Important, 

No 

Living within your Means. - Calvin Coolidge " 

as 

For your Convenience Our Range of Services are 

Available to you Anywhere in South Africa! 

Jackie Coetzee 

079 317 8557 

documentswc@fusiondc.co.za 

“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 

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





Your Guide to Financial 

Wellness and Recovery 

0861 229 922 

info@debthero.co.za 

www.legalhero.co.za 

086 999 0606 



2014 

Debt Review 

Awards 

WINNER 

2016 

Debt Review 

Awards 

WINNER 

2017 

Debt Review 

Awards 

WINNER 

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


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 

COMING SOON 

TRAINING

DEBT 

086 126 6562 

debt@one.za.com 

www.one.za.com 

INSURANCE

LEGAL 

Specialising in Debt Review 

Applications for Debt 

Counsellors/Attorneys 

We aim to have debt review 

orders granted at the rst 

court appearance 

031 303 1004 

jbechoo@jb-attorneys.co.za 

DURBAN | VERULAM | PINETOWN 

NTUZUMA | CHATSWORTH 

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 

COLLECTNET 

+27 12 140 0602 

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 

debt management solution 

www.finwise.biz 

• 

• 

• 

• 

• 

‘’ I was pleasantly surprised by our experien 

new system is intuitive and e 

Debt counsellor Eas

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

Department Email address / Contact number TAT 

Call Centre 0861 005 901 

Absa 

En 

For your convenience we now offe 

in these departments are subject m 

could delay the resolution of your q 

Option 1: Updated balances, s 

Option 2: Any COB related qu 

Option 3: Any proposal relate 

Option 4: Any termination rel 

DRCob@absa.co.za 5 Business Days Pr 

DCTransfer@absa.co.za 5 Business Days M 

Certificate of balance 

DCCOBQueries@absa.co.za 5 Business Days M 

Debitordercancellations@absa.co.za 5 Business Days M 

DCRCAssessment@absa.co.za 10 Business Days M 

Proposal 

DCProposalquery@absa.co.za 10 Business Days M 

DRProposals@absa.co.za 10 Business Days Pr 

Legal Courtapp@absa.co.za 5 Business Days Al 

Termination 

DRTerminations@absa.co.za 10 Business Days M 

17.4@absa.co.za 10 Business Days M 

Clearance DCClearanceCertificate@absa.co.za 5 Business Days M 

KYC DCKYC@absa.co.za For return of KYC forms. 

Debtreviewqueries@absa.co.za 10 Business Days En 

Service 

Debtreviewmanager@absa.co.za 5 Business Days Es 

2 | Presentation title

Function 

nity to call our contact centre and be transferred to specific departments. Note that our consultants 

and will best be able to assist you for a swift resolution. Please note; choosing the incorrect option 

ettlements, refunds and general enquiries 

Function 

Debt Review 

try Points 

r the opportunity to call our contact centre and be transferred to specific departments. Note that our consultants 

atter experts and will best be able to assist you for a swift resolution. Please note; choosing the incorrect option 

uery. 

tatements, settlements, refunds and general enquiries 

eries e 17.1 application. 

d queries 

ated queries 

t counsellor swaps and system changes. 

ocessing of the 17.1 application. 

escalated queries and follow-ups. 

anage all debt counsellor swaps and system changes. 

it order cancellation requests. 

anage all COB escalated queries and follow-ups. 

s lending allegations. 

anage all debit order cancellation requests. 

posal escalated queries and follow-ups. 

anage reckless lending allegations. 

anage e following all proposal documents: escalated queries 17.2, proposals, and follow-ups. proof of Insurance, 17.3 & supporting documentation. 

ocessing ents to be of the provided following to documents: this department 17.2, proposals, for review. proof of Insurance, 17.3 & supporting documentation. 

l legal documents to be provided to this department for review. 

ination queries, reinstatement requests and follow-ups. 

anage all termination queries, reinstatement requests and follow-ups. 

ntary termination requests. 

anage all voluntary termination requests. 

rance-related queries and requests. 

anage all clearance-related queries and requests. 

all query-related matters. 

Types of queries managed by this department: Account closure 

try point for all query-related matters. 

Types of queries managed by this department: Account closure 

confirmation/request. Balance confirmations/query. Account status 

confirmation/request. Balance confirmations/query. Account status 

confirmation. confirmation. Statement Statement request. request. Paid Paid up up letter letter request. Refund 

request. request. All relevant All relevant operational queries to to be be referred to operational 

calation t for all point query-related for all query-related matters. matters. 

queues queues mentioned mentioned above. above. 

SECRET CONFIDENTIAL INTERNAL ONLY

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

Debtfree Magazine November 2018

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