Debtfree Magazine Jan 2019

debtfreemagazine

SA's Free Debt Counselling & Debt Review Magazine - the Jan 2019 issue. Why your 2019 is going to better than your friends 2019...and more

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

Credit ProteCtion – debt review

Applied to go under debt review?

Restructuring your monthly expenses?

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

benefits offered

• death – we settle the account

• temporary disability – we pay your

installment for 12 months

• Permanent disability – we settle

the account

• Critical illness – we pay your

installment for 3 months

• retrenchment – we pay your

installment for 12 months

At a rate of R2.95 per R1000

unsecured/short-term credit

and R2.00 per R1000 on

Mortgages, you can now

insure your debt for less

without compromising on the

best benefits available.

For further information please

speak to your Broker alternatively

contact your regional ONE office.

0861 266 562

admin.debt@one.za.com

TERMS & cONDITIONS APPLY

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

Authorised Financial Services Provider FSP8783 VAT No. 4370160501

Underwritten by:

A Member of A member of the Group


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

content available with the understanding that

the publisher is not rendering legal services or

financial advice. Although persons and companies

mentioned herein are believed to be reputable,

neither Debtfree Magazine nor any of its

employees, sales executives or contributors accept

any responsibility whatsoever for their activities.

Debtfree Magazine contains material supplied to

us by advertisers which does not necessarily reflect

the views and opinions of the Debtfree Magazine

team. No person, organization or party can copy

or re-produce the content on this site and/or

magazine or any part of this publication without

a written consent from the editors’ panel and the

author of the content, as applicable. Debtfree

Magazine, authors and contributors reserve their

rights with regards to copyright of their work.


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

YOUR 2019

VS

THEIR 2019


YOUR 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.


YOUR 2019 VS THEIR 2019

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.


YOUR 2019 VS THEIR 2019

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


YOUR 2019 VS THEIR 2019

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.


YOUR 2019 VS THEIR 2019

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.


YOUR 2019 VS THEIR 2019

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.


MYTH BUSTING YOUR CREDIT REPORT

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.


MYTH BUSTING YOUR CREDIT REPORT

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...


HTTP OR HTTPS - DOES IT REALLY MATTER?

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.


HTTP OR HTTPS - DOES IT REALLY MATTER?

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

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


HTTP OR HTTPS - DOES IT REALLY MATTER?

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


CLICK THE C

SERVICE D

DEBT COUNSELLORS

SUPPORT

SERVICES

TRAINING

FINANCIAL

INSURANCE


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


Get

debt relief ¨

with our

help today!

016 423 3029

082 812 5442

info@resolutiondebt.co.za

South Africa’s

largest and most

trusted, multi-award

winning Debt Counsellor.

086 999 0606

info@debtbusters.co.za

www.debtbusters.co.za

2014

Debt Review

Awards

WINNER

2016

Debt Review

Awards

WINNER

2017

Debt Review

Awards

WINNER

Tel: 010 005 5326

Cell: 083 748 4426

FAX: 086 571 7003

www.dpalegal.co.za


South Africa’s

largest and most

trusted, multi-award

winning Debt Counsellor.

National Debt Advisors

Fighting For Consumer Justice

Tel: 021 007 1688

www.nationaldebtadvisors.co.za

086 999 0606

info@debtbusters.co.za

www.debtbusters.co.za

KWAZULU-

NATAL

2014

Debt Review

Awards

WINNER

2016

Debt Review

Awards

WINNER

2017

Debt Review

Awards

WINNER

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

“Helping you the SMART way”

0860 061 008

info@smartdebtadvisors.co.za

www.smartdebtadvisors.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


National Debt Advisors

Fighting For Consumer Justice

Tel: 021 007 1688

www.nationaldebtadvisors.co.za

Credit Matters

South Africa’s Leading

Debt Counsellors

14th Floor, The Pinnacle

Cnr Strand & Burg St

Cape Town

Tel: 086 111 6197

Fax: 021 425 6292

info@creditmatters.co.za

FREE STATE

South Africa’s

largest and most

trusted, multi-award

winning Debt Counsellor.

086 999 0606

info@debtbusters.co.za

www.debtbusters.co.za

2014

Debt Review

Awards

WINNER

2016

Debt Review

Awards

WINNER

2017

Debt Review

Awards

WINNER


LIMPOPO

National Debt Advisors

Fighting For Consumer Justice

Tel: 021 007 1688

www.nationaldebtadvisors.co.za

Credit Matters

South Africa’s Leading

Debt Counsellors

14th Floor, The Pinnacle

Cnr Strand & Burg St

Cape Town

Tel: 086 111 6197

Fax: 021 425 6292

info@creditmatters.co.za

Depopulating a generation of over

indebted and populating a debt free

generation.

Office no 2, 5 A Schoeman Street,

Polokwane

Tel: 0152912731

Tel: 0877028518

Email: admaau66@gmail.com

www.maaudebts.co.za

South Africa’s

largest and most

trusted, multi-award

winning Debt Counsellor.

086 999 0606

info@debtbusters.co.za

www.debtbusters.co.za

2014

Debt Review

Awards

WINNER

2016

Debt Review

Awards

WINNER

2017

Debt Review

Awards

WINNER


MPUMALANGA

GMC Debt Solutions

52 Kerk Street

Lydenburg

Tel: 087 802 7054

Tel: 087 151 1034

www.gmcdebtsolutions.co.za

National Debt Advisors

Fighting For Consumer Justice

Tel: 021 007 1688

www.nationaldebtadvisors.co.za

Romi Oliphant

Debt Counselling

Service

013 650 0116

rodcs4u@gmail.com

http://rodcs4u.webs.com/

WhatsApp

062 502 5987

South Africa’s

largest and most

trusted, multi-award

Credit Matters

winning South Africa’s Debt Counsellor.

Leading

Debt Counsellors

14th Floor, The Pinnacle

Cnr Strand & Burg St

086 Cape 999 Town 0606

Tel: 086 111 6197

Fax: 021 425 6292

info@creditmatters.co.za

info@debtbusters.co.za

www.debtbusters.co.za

2014

Debt Review

Awards

WINNER

2016

Debt Review

Awards

WINNER

2017

Debt Review

Awards

WINNER


National Debt Advisors

Fighting For Consumer Justice

Tel: 021 007 1688

www.nationaldebtadvisors.co.za

Credit Matters

South Africa’s Leading

Debt Counsellors

14th Floor, The Pinnacle

Cnr Strand & Burg St

Cape Town

Tel: 086 111 6197

Fax: 021 425 6292

info@creditmatters.co.za

NORTH WEST

Depopulating a generation of over

indebted and populating a debt free

generation.

Office No. 6, Prime Pharm Building,

36 Dr Nelson Mandela Drive

Tel: 0186320053

Tel: 0877026744

Email: papi@maaudebts.co.za

www.maaudebts.co.za

South Africa’s

largest and most

trusted, multi-award

winning Debt Counsellor.

086 999 0606

info@debtbusters.co.za

www.debtbusters.co.za

2014

Debt Review

Awards

WINNER

2016

Debt Review

Awards

WINNER

2017

Debt Review

Awards

WINNER


National Debt Advisors

Fighting For Consumer Justice

Tel: 021 007 1688

www.nationaldebtadvisors.co.za

Credit Matters

South Africa’s Leading

Debt Counsellors

14th Floor, The Pinnacle

Cnr Strand & Burg St

Cape Town

Tel: 086 111 6197

Fax: 021 425 6292

info@creditmatters.co.za

NORTHERN CAPE

South Africa’s

largest and most

trusted, multi-award

winning Debt Counsellor.

086 999 0606

info@debtbusters.co.za

www.debtbusters.co.za

2014

Debt Review

Awards

WINNER

2016

Debt Review

Awards

WINNER

2017

Debt Review

Awards

WINNER


National Debt Advisors

Fighting For Consumer Justice

Tel: 021 007 1688

www.nationaldebtadvisors.co.za

Credit Matters

South Africa’s Leading

Debt Counsellors

14th Floor, The Pinnacle

Cnr Strand & Burg St

Cape Town

Tel: 086 111 6197

Fax: 021 425 6292

info@creditmatters.co.za

EASTERN CAPE

South Africa’s

largest and most

trusted, multi-award

winning Debt Counsellor.

086 999 0606

info@debtbusters.co.za

www.debtbusters.co.za

2014

Debt Review

Awards

WINNER

2016

Debt Review

Awards

WINNER

2017

Debt Review

Awards

WINNER


WEBSITE | www.debt-therapy.co.za

debt therapy

integrity guaranteed

debt therapy is registered with NCR | NCRDC49

National Debt Advisors

Fighting For Consumer Justice

Tel: 021 007 1688

www.nationaldebtadvisors.co.za

Drastically reduce your monthly

debt repayments

Let US help 0861111863

Regain control of your finances

www.debt-therapy.co.za

WESTERN CAPE

" 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

Credit Matters

South Africa’s Leading

Debt Counsellors

14th Floor, The Pinnacle

Cnr Strand & Burg St

Cape Town

Tel: 086 111 6197

Fax: 021 425 6292

info@creditmatters.co.za

All Debt Solutions

Fast tracking your financial freedom

Tel: 0861 255 3328 / 021-557 9981

Email: info@allds.co.za

www.alldebtsolutions.co.za

https://www.facebook.com/

alldebtsolutions


South Africa’s

largest and most

trusted, multi-award

winning Debt Counsellor.

Your Guide to Financial

Wellness and Recovery

0861 229 922

info@debthero.co.za

www.legalhero.co.za

086 999 0606

info@debtbusters.co.za

www.debtbusters.co.za

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


“Helping you the SMART way”

0860 061 008

info@smartdebtadvisors.co.za

www.smartdebtadvisors.co.za

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

16th Floor, The Pinnacle

Cnr Strand & Burg St

Cape Town

Tel: 021 202 1111, f: 021 425 0875

Email: roger@rmbrown.co.za


Your Debt Counselling Attorneys

Johannesburg | Cape Town

Kim Armfield

Attorney & Family Law Mediator

Address: Unit 1B, FinansHuis, 7

Voortrekker Road, Bellville

Tel: 021 949 1758 / 021 945 2526

Office cell: 084 8588 284

kim@legalwc.co.za

Andre Van Zyl

021 494 4862

info@bassonvanzyl.com

www.bassonvanzyl.com

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

More magazines by this user
Similar magazines