Debtfree Magazine Jan 2019

SOUTH AFRICA’S DEBT COUNSELLING MAGAZINE 

YOUR 2019 

VS 

THEIR 2019 

January 2019 

www.debtfreedigi.co.za

5

January is much like the first day 

of annual leave, it holds so much 

potential. At the start of the year, 

you imagine all the ways your life 

is going to change and improve 

over last year, this is YOUR year! 

Then, as January goes by, you stare 

at your shrinking bank balance and 

slowly emptying wallet, you begin 

to take strain. Eating healthy is 

often more expensive; going to gym 

requires a contract and time (and 

some sweat). 

Giving up those bad habits is a 

great idea, but it can leave you 

more stressed than normal and 

that starts to negatively affect your 

interaction with the people around 

you. The longer the month drags 

on, the harder it gets, and it is only 

January! There are still 11 months 

left. You begin to wonder if 2019 is 

eally going to be the year 

you achieve your goals. 

Don’t be too hasty to abandon 

your goals. In our January issue, 

we discuss not only the best kind of 

goals to set for yourself, but also why 

2019 IS going to be a great year for 

you, especially compared to your 

peers. You might not be having the 

total “Jol” you imagined, but let us 

assure you, nobody is. As you will 

see in this issue, being under debt 

review can make all the difference, 

if one of your goals is becoming 

debt free. 

We also catch up on some industry 

related news, information on what 

the debt counselling associations 

are all up to, as well as featuring 

some tips and advice. Be sure to 

check out our Mythbusting article all 

about your credit score and credit 

bureau report. 

We also look at ways to boost not 

only your Google web ranking but 

also consumer confidence in your 

website. Don’t worry we don’t get 

too technical, because we don’t 

understand all the technical stuff too, 

but it will guide you in dealing with 

your IT guys in improving things. 

After the New Year ‘glow’ wears 

off and you return to the normal 

drudgery of daily routine, it can 

be tough to stay motivated. This is 

because results take time, and most 

of us are easily distracted, easily

ored. We find it hard to maintain 

that clear vision we had at the start 

of the year. The ability to push 

through the rest of the year, day by 

day, month by month is what will 

see you make a success (or not) of 

the year. 

FROM 

THE 

E 

So, keep on making those monthly 

debt repayments, chipping away 

at your debts, keep checking your 

PDA statements to see how you are 

doing and you will keep moving 

forward towards your financial goal 

of becoming debt free. 

D 

IT 

O 

R

SURE 

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YOUR 2019 VS THEIR 2019 

C 

MYTHBUSTING 

YOUR CREDIT 

REPORT 

2019 

DEBT REVIEW 

AWARDS 

O 

NTENTS 

SET SMART 

GOALS FOR 

2019 

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 

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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: 

NCT = National Consumer Tribunal 

PDA = Payment Distribution Agency 

NDCA = National Debt Counsellors 

Association

201

9 


VS 

THEIR 2019


VS THEIR 2019 

You may be wondering what 2019 will bring. Is this going to be 

a good year or a tough year? With the way the economy has been 

going globally (and locally) it is not unfair to say that 2019 is 

going to be a tough year for everyone. Even Government, who tend 

to be upbeat about the economy to try and build confidence, is being 

conservative in their estimates of how businesses will fare in 2019. 

Economists feel that we are in for more petrol hikes, interest rate increases 

and with “Junk” status by the 3rd and final Ratings agency looming on the 

horizon, we may see a forced huge exodus of foreign investment in the 

near future. All this puts strain on what people spend, how much they can 

earn, and that is going to impact on you and your friends. 

In general terms, it means that more people will have to spend more each 

month, and at the same time be earning less or have less spending power. 

That means less people spending money at shops and businesses run by 

others, and then more pressure on everyone to pay everyone else. You 

probably have people who owe you money but haven’t paid yet and so 

you are struggling to pay your creditors.

All that makes 2019 sound like a potential nightmare. While it is true that 

things are not looking super positive, it is important to remember that you 

are not alone in dealing with these challenges. Everyone, countrywide is 

going to be in for a tough time, including your friends and neighbours.


ADJUST YOUR 

ATTITUDE 

Those who adjust to the tough times, fare best. If you are already 

in debt review then you are taking positive steps monthly towards 

improving your financial situation. 

The process however, can be slow and that brings its own challenges, but 

it is effective and can help you get out of debt as long as you don’t miss 

payments. 

Those around you might think that the solution to not being able to make 

ends meet, is to rely on credit. This is certainly something that can help in 

the short term, but is not a justifiable long term solution.


Research shows that more and more people are using credit to cover basic 

expenses like groceries. Recently Pick N Pay began offering consumers 

access to their own credit (since people were buying so much food on 

other credit provider’s credit cards anyway). They quickly extended over R1 

Billion to consumers in just a few months (and they only offer consumers a 

small amount of credit at a time). 

You may be jealous that your friends seem to still be able to go out to fancy 

restaurants, drive a big fancy car and can hop on a plane for a weekend 

getaway. What you may not realize is that your friends are probably up to 

their necks in debt, and to keep living this way, they are probably sinking 

deeper and deeper into debt. 

The other thing that is probably happening is they are repaying less and less 

of their total debt each month, quickly falling into the trap of only paying 

the minimum required amount to scrape by (especially in January). This 

means that their overall debts are growing and they are ultimately paying 

more and more in fees and interest over time.

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


A SIMPLE LIFE 

If you are in debt review, then you have probably been there. You 

were once also stuck in that downwards debt spiral. 

You know that eventually, they are going to have some sort of emergency 

they cannot afford, and it will max out all their credit. They will try to get 

more credit but won’t qualify and then things are going to get nasty very 

quickly. The horrible collections calls, SMS and threats. 

So, if you are already in debt review and are making those reduced payments 

every month, living a more simple life then: Congratulations! Each month, 

as you make that debt review payment, your debts are slowly reducing 

while those around you are slowly getting deeper and deeper into debt. 

If you are in debt review then you will also have agreements with credit 

providers about what interest rates will be used. These may very well be 

fixed, which means that if interest rates do go up, then your debt repayments 

under debt review will remain unaffected (some rates may be linked). Your 

interest rates have probably already been slashed by your credit providers, 

meaning you are paying back mostly the capital portion of your debt (Thanks 

credit Providers!). This makes you less vulnerable to rate hikes and other 

similar pressures.


SLOW & STEADY 

WINS THE RACE 

Others may not notice your slow journey towards financial freedom, 

and it certainly is not flashy and doesn’t mean you can live a life 

of luxury, but it does mean that you can be confident that you can 

provide what your family needs each month. 

This is the first and most immediate goal of debt review. The next goal is 

to pay off all your debts over time so that you end up not owing anyone 

anything. That takes a little longer. 

True, the process can be a slow one, but over the next 11 months of 2019, 

your personal debt situation will steadily be getting better and better 

regardless of what is happening to the economy around you. This gives 

you peace of mind, you can stress less about your debt, not just because 

you are not being chased by collections agents, but because you know that 

you are moving towards a better financial future.


You can see the light at the end of the tunnel, this is a serious physiological 

benefit. Your relationships with others will probably reflect this positive 

attitude - less snapping at people, less pressure, less fighting with people. 

So, yes, both you and your friends might end up paying more for petrol 

and you may see the Rand take a pounding from other currencies. The 

price of everything may go up for all of us, but if you are under debt review 

your 2019 is looking rosy. Each month is a small victory, each payment a 

step towards freedom and that means you are going to have a better year 

than most of your friends*. 

*share the love and tell your friends about debt review and how it has 

turned things around for you. They probably need it too.

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

MYTH BUSTING YOUR 

CREDIT REPORT

MYTH BUSTING YOUR CREDIT REPORT 

BLACKLISTING 

People in South Africa often use the term “blacklisted”. They think 

this refers to some sort of arrangement where you cannot get credit 

because you have not repaid your credit well in the past. You will 

often see adverts (illegal adverts) online or via SMS that promise 

loans despite being ‘blacklisted’. 

Blacklisting was used many, many, many years ago, but does not exist 

anymore. Credit Bureau Transunion says: ‘“Blacklist” is a misleading term, 

a category that dates back to when credit bureaus only kept negative 

information. Now credit bureaus hold both positive and negative data.’ 

It’s similar to reminiscing about what a great invention the telegraph was. 

Imagine an advert for the latest cell phone saying something like. 

Are you having trouble with your telegraph service in your town? 

Rather use the NEW X11 Mobile device with 4G connectivity…etc. 

You might think the advertiser had gone mad talking about technology 

from the 1800’s (and you may not be wrong).

Talking about blacklisting is old and stupid, it no longer exists. If you see an 

advert that mentions it, please be careful that you are not being scammed. 

They know that if you fall for the blacklisting reference, then you will probably 

fall for other tricks i.e. like paying them money upfront so that you can 

borrow money from them. 

*The telegraph was developed in the 1830/40 by Samuel Morse and some 

others to communicate via the dots and dashes of Morse code over long 

distances. It was ingenious at the time.


I HAVE A BAD CREDIT SCORE 

SO I CAN’T GET CREDIT 

This is simply not true. You may end up paying a higher rate of 

interest due to your poor payment history, but if you can afford credit, 

then you should be able to gain access to it. 

After changes to the National Credit Act a decade ago, credit providers must 

ask how much you earn and what you are currently spending your money 

on each month. This will include any other debts you have. If you then still 

have some money available (after making allowances for emergencies) the 

credit provider will know how much you can pay them back each month. 

They can then figure out how much to loan you. eg. If you earn R3000 

a month and spend/set aside R2800 each month towards your costs and 

saving, then you have R200 available as a possible monthly debt repayment 

installment. The credit provider can then decide how many months they 

want to get R200 back from you, and how much they are prepared to lend 

you.


For example, the online Ubank Calculator shows that you could borrow 

R1000 and pay it back over 10 months at around R204.79/ month. 

Your credit score will then help them decide what interest rate to offer you 

(but most of the time most credit providers simply make you pay the highest 

possible interest rate the government allows regardless). 

If you go to credit provider and they turn you down for credit, it is likely 

because you cannot actually afford more credit and should rather look to 

go into debt review to get rid of your debts, as opposed to accumulating 

more debt. 

THIS MYTH IS 

BUSTED!

DEBT REVIEW SCHOOL 

Set Smart Goals for 2019 

S – Specific, 

M - Measurable, 

A - Achievable, 

R - Realistic, 

T- Time-based

The more specific your goals are, the more you 

have thought them through and the more likely 

you are to reach your goal. 

If you can measure progress towards your goal it 

makes it easier for you to see how much effort is 

still needed to get to that goal. 

Setting goals relating to things that you have 

some measure of control over makes them 

achievable. Don’t set goals that depend entirely 

on other people. 

Starting with smaller realistic goals which are 

within your grasp, if you put in the effort, is better 

than dreaming too big and soon giving up in the 

face of the impossible. Rather split a big goal 

down into several smaller goals which will lead 

you towards your ultimate goal. 

Setting a goal without setting a time limit is like 

letting two teams play soccer endlessly over days 

and days - they will get bored and tired and you 

would get bored watching it. Give yourself a 

set amount of time to reach your goal. This will 

also help you measure how far along you are 

progressing and adjust the effort involved. 

Business vector created by dooder - www.freepik.com

HTTP OR HTTPS 

DOES IT REALLY MATTER?

HTTP OR HTTPS - DOES IT REALLY MATTER? 

IS IT SECURE? 

When a consumer is thinking about entering debt review (or using 

your company’s services) they will often visit your website to check 

if you have an online presence. They will use this opportunity to do 

some online research about you and also gain some knowledge of 

your branding. 

Not having a website is a bad sign, and they may immediately doubt that 

you offer a professional service (everyone has a website, right?). 

An old, out of date website indicates that you are not good at staying 

current, and are probably overworked and under resourced (if you can’t 

afford to update your site then you probably are not doing well financially). 

An informative website that has a modern feel and has helpful information, 

including ways to contact your offices, is normally a sign that this business 

might be the right service provider for you.

How good your site looks, combined with how high or quickly you (your 

business) show up on a search engine (Google) are often factors for the 

potential customer in deciding whether to use your services or not. What 

shows up in a prospective clients web browser address bar, could be the 

reason why your website is hurting (or helping) your business. 

Sitting in your visitors web browser address bar might be the words: 

Not Secure | www.yourwebsiteaddresshere...


NOT SECURE? 

SINCE WHEN AND WHAT 

DOES THAT MEAN? 

In 2018, Google Chrome users started to see this status showing 

in their address bar as Google began to show whether the site was 

HTTP or HTTPS (the S stands for secure). 

The warning shown refers to the lack of security for the connection to that 

page. It’s telling visitors that information sent and received to that page 

is unprotected and it could potentially be stolen, read, or modified by 

attackers, hackers, and entities with access to internet infrastructure, such 

as Internet Service Providers (ISPs) and governments. 

Now, would you prefer to deal with a website that is secure or not secure? 

The answer is obvious. More and more consumers are worried that their 

information may be exposed to bad people who want to scam them. When 

site visitors see this on your site, it could make them nervous.


would you prefer to deal with a website 

that is secure or not secure? 

In the past, most sites were HTTP and it is only more recently that sites 

like Facebook, Amazon and Google began shifting to HTTPS (millions of 

companies have migrated) and Google feels that a secure site is better for 

obvious reasons, and will often give it a better rating than a similar nonsecure 

one. 

What is special about HTTPS? 

HTTPS uses the SSL/TLS protocol to provide a secure connection, which is 

both encrypted and authenticated. That means it is safer to enter personal 

information. 

How do I change my site to HTTPS? 

If you manage your own website, then you can do some research online. 

It will require finding out if your web hosting provider can give you the SSL 

Certificate or not. Then, depending on how you built your website (maybe 

using something like Word press) you may need to add a plugin that can 

do all the work for you. If someone else made your site for you then it is a 

case of paying them to do that. 

Get Ahead of the Curve 

Tom Levine who is a Search Engine Marketer from TheSearch.Club says: 

“If you’re a site that deals with customer data, even just names and email 

addresses, migrate now before Google gets really serious. It might already 

be hurting your rankings and affecting user-trust in your site. With initiatives 

like Lets Encrypt for the first time in the history of SSL certification, it’s now 

possible to do it for free.”

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 

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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


Will it affect my Google ranking? 

The simple answer is: Yes and probably in a good way if you transition 

properly. You may see some fluctuation at first but over time you should see 

a positive bump. 

301 Redirects 

When your website address changes (from HTTP to HTTPS) be aware that 

some of your links and back links may be negatively affected. The way 

around this, is to add what are called 301 redirects to your old address 

that tells everyone looking for the old address (even Google), that you have 

moved to a new address. Fortunately it is quite easy. It is like putting an 

electronic version of a note on the shop front window of your old place with 

a map to the new place, and makes it easy for everyone to find you without 

you losing out on those older links and referrals. 

Update your Site Map 

Search engines use your site maps to know what you have on your site. 

Make things easier for them by updating your site map with the HTTPS 

structure. This is often done via a SEO plugin, so it can be done speedily 

as well. 

As search engines like Google become more and more cautious, and 

favor sites with HTTPS protocol it may become increasingly important for 

companies to move over to HTTPS. Currently, you may find that it is less 

stress to migrate, but your site visitors may be getting nervous about the 

‘not secure’ status showing in the address on your site. Why not talk to your 

IT guy about the benefits and challenges of switching to HTTPS?

DEBT REVIEW AWARDS 2019 

Each year NCR registered members of the debt review industry are invited 

to complete short peer reviews about those they work with on opposite 

sides of the industry. This gives credit providers the chance during the year 

to rate those Debt Counsellors they are dealing with each day. It also gives 

the Debt Counsellors a chance to rate those credit provider debt review 

departments they deal with regularly. 

The Annual Debt Review Awards Peer review is already underway and email 

invites to participate are being sent out. Remember the NCR Database of 

registrants is used as the basis of the email list – yes we know it is not 

always 100% accurate so we urge registrants to update their details if they 

have changed contact info and to let us know: 

debtreviewawards2019@debtfreedigi.co.za

NEW YEAR, NEW AWARDS 

GALA VENUE 

Each year the Peer review results throughout the year are compiled and 

announced at the Annual Debt Review Awards Gala. This black tie event is 

attended by the top performing firms within the industry and on the evening 

the top companies are announced. This year the gala evening is moving 

to KZN. 

Awards founder Zak King says:”We have been eager to bring the Gala to 

KZN for some time and are glad to be doing so this year. We look forward 

to many local Debt Counsellors and Credit Providers attending.” Over the 

years the Awards gala has alternated between Cape Town and Gauteng. 

The change will see many who have not had a chance to attend get to join 

in the event. 

Many will travel from around the country to attend and so with that in mind 

there will be some additional events held in the days leading up to the Gala 

evening. “We want to give those traveling maximum value for money and 

are excited to be hosting several workshops and meetings as well as some 

social events on the days leading to the Gala” says Zak. 

If you would like more information about the Annual Debt Review Awards 

please email: 

debtreviewawards2019@debtfreedigi.co.za 

or head to 

www.debtreviewawards.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

DID YOU KNOW... 

As of the 1st of December 2018 the UDU 

Personal Loans debt review portfolio is now 

being handled by Capital Data. 

DID YOU KNOW... 

As of 10 December 2018 Capital Data* 

is taking over older Sanlam Personal 

Loans debt review matters. 

If Capital Data mailed you a detailed list of accounts and 

clients affected please be aware that Consumer Friend will no 

longer be handling those specific matters. Your PDA should 

adjust the payment destination account. 

*Capital Data is a division of Transaction Capital Recoveries who administer 

debts for MBD Legal Collections. 

TCR is an authorised Financial Services Provider (46765) | MBD Legal 

Collections is a registered Credit Provider (NCRCP1891)

PROFESSIONAL DEBT 

COUNSELLING ATTORNEYS 

TEL: 021 872 1968 

11 MARKET STREET, PAARL 

www.steyncoetzee.co.za

Die Republiek van 

SKYT AFRICA 

Hi Almal, 

Met die aankoms van die nuwe jaar is dit altyd interessant om te sien 

wat in die sakewêreld aangaan. Veral die banksektor. Elkeen wil n 

snytjie van die koek hê maar die koek word kleiner. Aandeelhouers wil 

winste sien groei dus word daar voortdurende gekyk na bykomende 

bronne van inkomste. Daarby moet dit besigheidsin maak, menigte 

van die rolspelers in die finansiële sektor het in die verlede projekte en 

uitbreidings aangepak wat hul duur te staan gekom het. 

So wat is op die horison in Suid Afrika? Discovery Bank, TymeBank en Bank 

Zero is nuwe rolspelers met FirstRand wat die versekeringsmark betree. Of 

FirstRand en Discovery mekaar nou die stryd aansê sal ek nie weet nie 

maar iemand gaan hier op iemand se tone trap. Soos ek in begin gesê het 

daar is net soveel kliënte wat kan kwalifiseer vir nog skuld. Nog elke keer

in die verlede wanneer daar n nuwe bank sy deure oopmaak het, het die 

verbruikers wat reeds te veel skuld gehad het by die nuwe bank nog skuld 

probeer aangaan. 

Bank Zero interesseer my egter maar bygesê op n positiewe noot. Dit is 

n ten volle digitale bank met geen takke nie wat n lae bedryfskoste tot 

gevolg sal hê. Uit die aard van die saak sal dit hulle in n posisie plaas 

om goedkoper bankdienste te bied, voorwaar goeie nuus waar ons tans, 

behalwe vir brandstof, net prysstygings ervaar. Hulle gaan ook nie lenings 

toestaan nie en wil n spaar ingesteldheid vestig. Dit gaan n kopskuif vir 

menigte gebruikers wees om eers te spaar en dan te koop waar hul eerder 

nou duur skuld wil aangaan. 

Hopelik kan ons die jeug wat nog op die drumpel van die grootmens 

wêreld staan om n Bank Zero konsep te volg. Spaar vir dit wat jy eendag 

wil hê, moenie dieselfde foute maak deur net die blink raak te sien nie, 

onderdruk daardie behoefte van ek wil dit nou hê! Spaar, spaar en spaar! 

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

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

www.collectnetpda.co.za

Has your debt counselling 

business joined the Gentle 

Reminders Club yet? 

Debt Counsellors Collective 

We are heading to JHB to the CIF 

meeting (1st Feb) and will update 

all members afterwards. Check 

the Facebook page for more info. 

www.gentlereminders.club 

Its all about chasing invoices 

in a positive, friendly and 

uplifting way! 

Members should please 

participate in the most 

recent poll regarding 

our AGM. 

www.allprodc.org

We wish all in the 

industry the best for 

2019. 

www.bdcf.co.za 

Eastern Cape (Elizabeth Place) 

15-Feb-19 

Free State (Kopano Nokeng ) 

08-Feb-19 

Gauteng (Kempton Park Golf Club) 

19-Feb-19 

KZN (Westeville Country Club) 

15-Feb-19 

NDCA are ready to help 

consumers who are 

struggling with debt. 

Visit our site for more 

information 

Western Cape (Parow Golf Club) 

19-Feb-19 

www.dcasa.co.za

STUCK 

USING 

ANCIENT 

TECHNOLOGY? 

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

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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

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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086 999 0606 

info@debtbusters.co.za 

www.debtbusters.co.za 

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Debt Review 

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Tel: 010 005 5326 

Cell: 083 748 4426 

FAX: 086 571 7003 

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 

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2016 

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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 


0860 061 008 








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 

Debt Review 

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2016 

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2017 

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LIMPOPO 



Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


Depopulating a generation of over 

indebted and populating a debt free 

generation. 

Office no 2, 5 A Schoeman Street, 

Polokwane 

Tel: 0152912731 

Tel: 0877028518 

Email: admaau66@gmail.com 

www.maaudebts.co.za 





086 999 0606 



2014 

Debt Review 

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2016 

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2017 

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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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2016 

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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 

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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 





086 999 0606 



2014 

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2016 

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Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


NORTHERN CAPE 





086 999 0606 



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Debt Review 

Awards 

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2016 

Debt Review 

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2017 

Debt Review 

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Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


EASTERN CAPE 





086 999 0606 



2014 

Debt Review 

Awards 

WINNER 

2016 

Debt Review 

Awards 

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2017 

Debt Review 

Awards 

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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 

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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 

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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 

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 

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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 Jan 2019

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