Debtfree Magazine issue 9 of 2021-for download

debtfreemagazine

SA's Free Magazine all about Debt, Debt Counselling & Debt Review. New, Tips, Reviews, Advice and more. This month we look at some of the nasty little lies you tell yourself about your debts.
We also catch up on what happened at the Annual Debt Review Awards 2021

THE BIG LITTLE LIES

WE TELL OURSELVES

ABOUT DEBT

THE 2021

DEBT REVIEW

AWARDS

Issue 9 of 2021


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FROM THE EDITOR

There is an old saying: “How do you know when a

politician is lying? When his lips are moving”.

Cynical, no doubt, but people around the world, and throughout

history have been burnt by politicians making promises they never

intend to keep and hiding the truth. From the famous: “I did not have

sexual relations with that woman” to the ‘blame it on minorities’

strategies of the 1930’s Nazi party. It seems lies and politics goes hand

in hand.

But obviously it’s not only politicians who lie, we all tend to lie to

ourselves. Go stand in front of the mirror and tell yourself that you

look skinnier than when lockdown began, tell yourself that you look

better now than you did 10 years ago*, tell yourself that combing

your hair that way hides your bald spot.

One area where we inadvertently lie to ourselves, is when it comes

to money and debt. Often these are just ‘little’ lies (eg. I need it, I

can afford it). Small lies with massive ramifications on our decision

making, and life choices. In this issue we have a look at some of these

common lies and consider how they hurt us.

Why not read through the article and see if anything resonates with

you. Perhaps you have been selling yourself one of these lies for years

now. It might be time for a change, yes we can!

* hopefully you do, we are just using this as a generalized example of self delusion


It has been a busy few weeks for the Debtfree Magazine team as

many of us also work on the Debt Review Awards project and help

with the organisation of the event. Those of us who do, were glad

when things went off without too many hitches, phew! We really

want to thank the supporters, participants and generous sponsors for

all your help to help make the event a success. We could not have

done it without you!

We have something of a summary article (or 6) in this issue, as we

look behind the scenes and review some of the glam of the event.

Yup, even though the event was done remotely this year, some of you

really went all out to celebrate, the closest the debt review industry

gets to, a national holiday. Well done to all those recognized this year

and to those consumers who got their clearance certificates. We are

so excited that you are now debt free!

So, put the kettle on, and take a few minutes to relive the highlights of

the Awards, check out the latest financial news, some tips and advice.

Take a moment to reflect on your attitudes towards money and debt

and enjoy this issue.

Things are tough out there between the pandemic, the economic

challenges of lockdown, stress from work and family and having to

pay off your debts. If you made it through another month then we

want to say well done to you. You made it this far, please keep going.

You can do it and that’s no lie, soon you will be debt free.


FREE BOOKLET

FOR DEBT COUNSELLORS TO SHARE

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Is your inbox full of requests to remove a

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DEBT REVIEW

LESSON #1

If you have changed your phone number

or email address recently, please let your

Debt Counsellor and PDA know. They

need to get in touch with you regularly

and the PDA needs to send you a monthly

statement via email.

If your details have changed they might be

emailing an old address.


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CONTENTS

THE BIG LITTLE LIES

WE TELL OURSELVES

ABOUT DEBT

THE 2021 DEBT

REVIEW AWARDS

BANK STOPPED FROM

REPOSSESSING HOME

BECAUSE CONSUMER

WAS AHEAD ON

PAYMENTS

DEBT REVIEW

SCHOOL

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.


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POPIA COMPLIANCE IS

CRUCIAL THIS YEAR!


BREAKING

NEWS


34.4% UNEMPLOYMENT

Stats SA has recently released their Quarterly Labour Force

Survey results and the South African unemployment rate

has hit a new record high in 2021. The survey which has

been officially running since 2008 tracks how many people

are looking for work and how many people are employed.

The results of the survey, which covered the first half of 2021,

show that unemployment has gone up from its previous

official record high of 32.6% and has now increased to 34.4%.

This means that at least 54 000 South Africans lost their

jobs during April, May and June 2021.

The stats also showed that, of those who were actively

looking for work, around 186 000 more people have simply

given up during these 3 months on trying to find any kind of

employment. They now think it is a waste of time and have

become discouraged. There are currently almost 8 million

South Africans looking for work each day.

Stats SA and Government use different calculations and

classifications to define what it actually means to be

unemployed. The current 34.4% definition is actually

significantly lower than the broad description of unemployed

people. Using those parameters SA currently sits at a very

scary 44.4% unemployment.

These stats makes SA the most unemployed nation in the

world among those countries that still have the infrastructure

to report on such stats (many countries are in too much

chaos to even report).


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RCS & NIMBLE NOW

COLLECTING JET & EDGARS

DEBTS

When Edcon got into trouble and went into business rescue

things were bound to change, including what would happen

with the debtors’ book and debt review matters.

The business rescue practitioner made arrangements with

both RCS and Nimble Group to sell them part of the debtors’

book for both Jet and Edgars.

This has however made things slightly different and a little

tricky for Debt Counsellors who have clients who have debts

with those brands.

The NCR has released a short circular with a helpful

addendum letter that can be used with regard to clearance

certificates (download below).

The circular from the NCR explains that since the book has

been sold Debt Counsellors will have to check in with both

RCS and Nimble (preferably at the same time) to see if the

account they are dealing with has gone to either of them.

Debt Counsellors can do this by emailing:

RCS Group – edgarsenquiries@rcsgroup.co.za

jetenquiries@rcsgroup.co.za

Nimble Group – accounts@nimblegroup.co.za


When the account is eventually paid up then Debt Counsellors

can get paid up letters from either RCS or Nimble (depending

on who is handling the debt).

Some accounts have not been bought by RCS or Nimble

and the business rescue practitioner views these accounts

as uncollectible or they may have already legally ‘prescribed’.

They will not be attempting to ever collect these debts and

they are viewed as paid up and the account closed.

The Debt Counsellor will be able to use the addendum

(download below) to attach to their correspondence with

the credit bureaus when they have to send proof to the

credit bureau that the debt has been settled.

This means that no further payments are needed and the

account will be removed by the bureaus and the consumer

can go ahead with their clearance certificate.

Debt Counsellors should be sure to retain a copy of the

Annexure for their records as they will no doubt need it to

assist their clients.

Circular:

https://debtfreedigi.co.za/wp-content/uploads/2021/09/Jet-on-sale-accounts-Circular-06-updated.pdf

Annexure:

https://debtfreedigi.co.za/wp-content/uploads/2021/09/Annexure-A-EdgarsJet-on-sale-accounts.pdf

Debtfree Magazine want to thank the team at DCASA for their help in preparing

this news article.


NCR RECKLESS LENDING

GUIDELINE UNDER

CONSIDERATION

The National Credit Regulator (NCR) organises a group

discussion about industry topics at the Credit Industry

Forum (CIF) and calls for comments on known issues in

the industry.

One such area under discussion is reckless lending. This is

where a consumer is granted credit even though they:

• did not understand the language of the contract

• did not understand the obligations they were

agreeing to

• did not get a quote of the costs (a pre-agreement)

• did not get a contact document setting out the costs

and their obligations

It can also be reckless when a credit provider:

• fails to check if the consumer can actually afford the

debt

• finds the consumer can’t afford the debt but still give

them the credit anyway.

The final one is seen by most people to be the sole reason

why a credit agreement is reckless but all the other points

are not to be forgotten.


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since 2007

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If however any of the above is true the account is reckless

and some interesting things can happen. For example, a

court can say the debt only has to be paid after all other

debts are paid up first. A court can decide to write off

some or all of the debt. A court can even tell the credit

provider to pay the consumer back for all the payments

they already did up to that point. Or the NCR can decide

to ask the National Consumer Tribunal to fine the credit

provider (up to 1 Million rand).

So, this is serious stuff. In the past when 1 branch of

African Bank in KZN was found to have granted some

credit recklessly to 12 clients the whole bank ended up

crashing (in the confusion and chaos that followed).

At present, the NCR are trying to see if Debt Counsellors

and credit providers like the proposal they are thinking of

using to make a, non binding, guideline to send out to the

industry.

In several discussions and groups across the country, the

response to the proposal has not been favourable.

For many Debt Counsellors, one area of concern is that

the current proposal may mean they will never get paid

for the many many hours it takes to do a reckless credit

investigation. This has not been popular.

Other Debt Counsellors have raised concerns about

timelines and other technicalities that may arise as a result.

The NCR has made a call for comment and various Debt

Counsellor groups are submitting replies highlighting their

concerns.


REPO RATE UNCHANGED

The SA Reserve Bank’s Monetary Policy Committee (MPC)

has decided to leave the repo rate unchanged at the record

low of 3.5%. This will continue to provide credit users with

some relief in the face of the lockdown and pandemic.

Reserve Bank Governor, Lesetja Kganyago did, however, say

that this are going to change in the near future and that

rates are likely to go up. He said: “The implied policy rate

path of the Quarterly Projection Model indicates an increase

of 25 basis points in the fourth quarter of 2021 and further

increases in each quarter of 2022 and 2023.”

Basically, rates are going to go up a few times over the next

24 months. So, brace yourself or lock in these low rates

while you can.


We’re not back,

we never left.

NPDA is now iPDA.


As one of the four licensed Payment

Distribution Agencies in South Africa, we

work with several hundred DC’s, paying

several thousand creditors and managing

payments for thousands of consumers.

We still offer a range of benefits and controls

that make the way you serve your clients

faster, cheaper and more intuitive.

For more information or a free demo, visit us

at www.ipda.co.za.



THE

BIG LITTLE LIES

WE TELL OURSELVES

ABOUT DEBT



THE BIG LITTLE LIES WE TELL OURSELVES ABOUT DEBT

LIAR, LIAR, PANTS

ON FIRE!

You lie, you know you do. You know you shouldn’t. We

tell our kids not to and then we turn around and tell

our spouse that the burnt dinner is “not that bad” and

“no, those jeans don’t make them look fat”.

One of the people we are best at lying to is ourselves, we excel at

it. Often when we don’t want to do something, we will create an

excuse (perhaps even a lie) about why we shouldn’t, and we make a

subconscious decision to believe our own excuse.

It might be something like, it’s raining outside so I can’t exercise

today. It’s not raining inside is it? But we decide that the reason is

good enough because we actually want to avoid doing it.

Or perhaps we tell ourselves we ‘need’ something, really, really need

it, when we actually don’t. It could be that slice of cake or perhaps

even that fancy car.

When it comes to debt, there are all sorts of excuses people give for

staying in debt instead of taking steps to become debt free. Here are

some of the most popular lies and why they are not actually true:


THE BIG LITTLE LIES WE TELL OURSELVES ABOUT DEBT

EVERYONE HAS

SOME DEBT

24 Million South Africans are credit users (so, around 1

in every 3). Out of those 24 million many have missed

a payment or two as they struggle to decide who to

pay this month with the income they receive. Around

9.6 million people are behind on debt repayments by 3

months or more.

7 Million people have credit cards, and on average owe R20 000

each.

6.7 Million have personal loans and owe on average R45 000 each.

And those are just the loans in the ‘formal’ sector, which reports

to the NCR, and does not cover loans to family members of local

Mashonisas.


It is normal in South Africa to borrow money. It is normal to take a

really long time to pay off your debts, and many people will live in

debt their whole lives, never paying off their credit cards and always

taking on more loans to pay off previous loans.

So, then is it silly to ask if you really need debt? Surely, based on those

stats, you need debt just to get by in South Africa.

No, you don’t. Going to those stats again, you soon realise that if

there are 59 million people in SA and only 24 Million credit users then

35 Million South Africans are not making use of credit from the banks

and stores. That means more people don’t use credit than those who

do. It is just likely that all your friends and people that you work with

make use of credit.

It is simply not true that everyone has debt. Millions of South Africans

live debt free every month.



THE BIG LITTLE LIES WE TELL OURSELVES ABOUT DEBT

SOME DEBT IS GOOD

People will tell you that you need some debt to get a

good credit score. So, go out and take on debt so that

you can get more debt later, when you really need it.

It is true that credit scores do take into account your debt and

repayment history. If you don’t have debt, then it is hard for a credit

provider to know if you will pay them back or not. But every time you

apply for credit, whether you get the credit or not, is not dependent

on your credit score. It depends on whether you can afford it or not.

The credit provider has to do an assessment when you apply. Do you

earn enough and have enough left over after paying for your monthly

running costs to pay them back? That is what is important.

Even if you have lots of credit and pay it all back reliably, if you cannot

actually afford to repay some new form of credit, you will not get that

credit, it is illegal.


THE BIG LITTLE LIES WE TELL OURSELVES ABOUT DEBT

THERE ARE GOOD

AND BAD DEBTS

While it is true that some debts can help you get an

asset, there are also massive risks associated with

taking on big debts.

For example, you may take on credit to buy a house. You may live in

it for decades and raise your children in it, making regular monthly

repayments. You may feel like you have made a good investment.

Then the economy turns, property loses value. You lose your job

and miss too many home loan repayments, and suddenly the bank is

selling your home on auction. You find that the investment you have

been paying off for all these years, actually still belongs to the bank

and after it gets sold for cheap, you end up owing the bank a lot of

money.

It happens with people’s flashy cars all the time and they end up

paying off a car (for years) that they no longer have. It is very sad and

frustrating.

The only good debt, is one that you have paid off.




THE BIG LITTLE LIES WE TELL OURSELVES ABOUT DEBT

MONEY IS

COMPLICATED

A lot of people in debt think they have to be some sort

of math wizard to understand and win when it comes

to money.

But that’s not true, we tend to over think money, money is simple. It

is good to have money because you can use it to buy stuff and do

things.

If people owe you money, that’s not good.

If you owe people money that’s not good.

See… simple.


THE BIG LITTLE LIES WE TELL OURSELVES ABOUT DEBT

I DON’T EARN ENOUGH

TO PAY OFF MY DEBT

Whether it takes you six months or six years, paying

off your debt is possible no matter what your income

looks like. It might not be easy, but it is possible.

Often it is just a case of making a plan, putting more funds into

settling your debts and making it a priority. There are things you can

do to reduce how long it takes to pay off your debts.

EARN MORE

Sounds simple but it is not. There are however some things you can

do like:

• Start a side hustle and use those funds towards settling your

smallest debts first.

• Ask your boss for a raise.

REVIEW YOUR MONTHLY EXPENSES

You may have cut costs in the past but it is good to regularly look at

how you spend money. What we spend tends to creep up each month.

GET HELP

If you are sick you go to a professional doctor, right? If you have debt

issues then you should also get help or advice on how best to get rid

of your debt from a registered professional Debt Counsellor.




THE BIG LITTLE LIES WE TELL OURSELVES ABOUT DEBT

I DON’T KNOW

WHERE TO START

Yes, you do. You just have to cut your spending on

some things, especially if you are unable to earn more.

It’s hard to say “no” to eating at restaurants and going on holiday. Maybe

you feel you deserve it, but you deserve to live without debt even more.

A very interesting thing happened when lockdown first began. People

were not able to go out and spend money like they usually did. So,

even though lockdown messed with how much people were earning,

it also meant they were not spending as much. As a result more

people than normal managed to pay their debts, they actually had the

money they needed.

So, if you have debts then ask yourself: Are there things I can give up

to reduce my monthly running costs? It might be small things. Maybe

you don’t order out today or this week, perhaps you don’t buy that pie

at the tuck shop for lunch each day and rather make a sandwich.

In fact, it is probably good to start with small things so that you can

convince yourself that it is possible. Once you see how you can

manage to save a little with smaller changes, then you may begin to

think about other bigger ways to save a lot each month.


THE BIG LITTLE LIES WE TELL OURSELVES ABOUT DEBT

MAKING A BUDGET IS

TOO HARD

Some people who are in debt don’t even know how

much debt they owe because they’re not keeping

track of it.

They just pay their installments each month, often the minimum

amount, and then use their credit cards and overdraft to make it

through the month without ever wondering how much it is costing

them to be in debt every month.

Talk about sticking your head in the sand!

Budgeting isn’t hard, it just requires using your calculator to work out

3 figures:

1. How much do you earn (take home after tax and all that)?

2. How much do you owe to your credit providers every month

(what should you be paying them)?

3. How much do you spend on stuff every month?

Once you know those 3 figures you will quickly see if there is a

problem or not, and where you need to make adjustments. The rest

will happen by instinct.




THE BIG LITTLE LIES WE TELL OURSELVES ABOUT DEBT

I NEED TO USE CREDIT

TO LOOK GOOD AND

GET THE RESPECT I

DESERVE

People who appear to “have it all” are normally the

ones deepest in debt.

Everything they appear to own is actually owned by the bank, or other

credit providers. They have sold their future work hours and their peace

of mind to appear to have it all.

What do they actually have?

Ulcers probably, if they miss a few payments and could end up with

nothing. Goodbye house, goodbye fancy car, hello summonses,

judgments and public auctions.

If your friends only respect you because of the things you own, then you

don’t need more credit, you need better friends.


THE BIG LITTLE LIES WE TELL OURSELVES ABOUT DEBT

CREDIT LETS ME HAVE

WHAT I WANT NOW

While it is true that credit is a great way to get

something now rather than later, it is also true that

many of the things that you ‘think’ you want will

ultimately lose their glow and you will realise you

could have done without it all along.

You may need that fancy phone now, but in a few months when they

start advertising the newer, better version you may find that your

phone doesn’t seem so good any more. The question is: Was it ever?

Did you really want it or where you chasing something else?

Having lots of things can make us feel important and safe. But if

everything you have is actually owned by the bank then what do you

really have?

Have you fallen into the trap of buying things you don’t need, with

money that you don’t have, to impress people you don’t really like?




THE BIG LITTLE LIES WE TELL OURSELVES ABOUT DEBT

I CAN GET OUT OF

DEBT ANY TIME

Some people tell themselves that they are using credit

all the time as a luxury and they could get out of debt

anytime, if they really need to. They just don’t want to

right now.

As a result, they usually just make the minimum required debt

repayments each month and live in debt.

They never think about what it is costing them.

This is often because they have never sat down and had a close look at

what it costs to be in debt.

Every month they are paying interest, account fees. Every year they are

paying access fees. Your car is losing value as you read this article.


THE BIG LITTLE LIES WE TELL OURSELVES ABOUT DEBT

I NEED A CREDIT CARD

FOR EMERGENCIES

It is true that having access to a credit card in an

emergency can be a life saver. If the geyser suddenly

bursts then you can reach for the card and pay for the

repairs immediately.

If your car tires are looking a bit dodgy, you can just put the new

tires on credit now and pay it off over time. The problem is that soon

everything begins to feel like an emergency. New appliance now,

rather than later? An emergency! That new dress for your date. An

emergency! Groceries from that fancy brand store? An emergency!

Before you know it, you can be right back in debt because your entire

life seems to run from emergency to emergency.

Rather than using credit continually for emergencies, why not start to

set a little bit aside every month as an emergency fund. Don’t go wild,

start small and let it build up over time.

By just learning to wait and live with a little inconvenience, you can

also find that many emergencies can wait till payday to be resolved.




THE BIG LITTLE LIES WE TELL OURSELVES ABOUT DEBT

I CAN’T LIVE

WITHOUT CREDIT

Maybe you have been using credit for many years.

In the past, your solution to running out of money

would perhaps be to run out and get another loan or

get a higher credit limit. You just kept digging yourself

deeper and deeper into the debt pit. Old habits are

hard to break.

But hundreds of thousands of South Africans have made a change, and

taken the first steps of their debt review journey. Yes, it is a big change at

first, and most do it because they are desperate at the time, not because

they want to live without debt.

Then something strange happens. They adjust, people are amazing. They

learn to live a cash lifestyle. They no longer buy things they cannot really

afford. They learn that sometimes you have to wait to buy something

even though it is inconvenient and difficult but, they survive.

At the same time, they pay off their debts every month, getting closer

and closer to being debt free and eventually not owing anyone anything.

It is possible, hundreds of thousands of people are doing it right now,

you can too!


THE BIG LITTLE LIES WE TELL OURSELVES ABOUT DEBT

STOP LYING TO

YOURSELF

Well, it is true that getting into debt is a lot more fun

(and a lot easier) than getting out of debt.

Paying off debt requires first changing the way you think about

money and possessions. That can be a real challenge, if you carry on

thinking that your personal worth comes from the things you own,

then you are always going to struggle with having enough money.

But paying off debt is something people do every single day. Millions

of people live without any debt whatsoever. Millions of people only

use the money they have to buy the things they can afford. They have

a budget and they stick to it. They even budget in a little for having

fun and buying nice things every month.

Getting out of debt can be tricky if you have a lot of it and you may

need a little advice. Well, hundreds of thousands of South Africans just

like you have gone online, picked up the phone or walked into a Debt

Counsellor’s office and asked them how they can get out of debt, and

they are successfully doing it. You can too…if you really want to.

So, stop lying to yourself.



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DEBT REVIEW

LESSON #2

You should keep a record of all your emails,

letters, forms and statements about debt

review. Keep it somewhere safe.

Remember: computers and phones get old

and die. Remember: papers get lost and so

do phones. So, think about storing these files

online or in the “cloud” on Dropbox, Gmail or

Drive or something similar and secure.





The Annual Debt Review Awards were live streamed

via YouTube on Friday 10th September 2021.

Host Omphile Setiloane opens the online live stream


THE ANNUAL DEBT REVIEW AWARDS SHOW 2021

INDUSTRY

PRE-SHOW

The Debt Review Awards Livestream event kicked

off the mammoth 5 hour long stream with an

industry section where members of the debt review

legal fraternity discussed current legal trends and

challenges.

This was followed by a highlights package from the recent State of the

Consumer Credit Industry webinar which was hosted by Consumer

Friend.

Next viewers got to hear from previous winners of the various Award

categories about how it feels to be recognised by your peers.

Then it was time for some informative product demonstrations and

updates from DReX and Maximus. These popular and helpful software

suites help Debt Counsellors (and consumers) get the most out of the

process and with information sharing within PoPI Act guidelines.


THE ANNUAL DEBT REVIEW AWARDS SHOW 2021

THE DEBT REVIEW

AWARDS SHOW

The Awards Show began at 2pm and guests were both

amazed and entertained by the mentalist and memory

tricks and skills of Mr. Michael Abrahamson. Michael

has recently been on TV on Klop die Kunstenaar as

well as setting world records remembering Pi to the

nth degree.

He is known as the “Power Brain” and it showed. Michael made use of his

extensive memory and manipulation to get guests to pick certain things

and to work out numbers they had picked.

Michael would be back later in the program to teach guests some useful

memory techniques to use in their day to day lives (no more forgetting

that grocery list). If you watched the show you probably can recite the

list of ten items he gave you now using the tips he provided.

We will give you a hint it started with “carpet”

Just because the event was held online did not mean that guests could

not have a little fun and get dressed up and celebrate a little. At different

homes and offices across the country, people got dolled up, served

some drinks and snacks and enjoyed the livestream.



HERE ARE THE TWO WINNERS OF T

FROM THIS YEAR’S “BEST D


HE R500 TAKE-A-LOT VOUCHERS

RESSED” COMPETITION.



THE ANNUAL DEBT REVIEW AWARDS SHOW 2021

THE ONE AWARDS

Yes there are two of them... that’s just how we roll.

Though the majority of the Debt Review Awards process focuses on

the activity of credit providers and Debt Counselling practices as a

whole, each year participants in the peer reviews are asked to identify 2

individuals who are making a significant contribution to the industry.

This year, with the help of ONE, Attorney Quintin Zimmerman of Liddles

and Head of Debt Review at ABSA, Mr Jaco Van Der Merwe were

recognised.

Quintin Zimmermann founded the law firm, Liddle and Associates

with his wife, Robyn in 2009. Quintin is that rare breed of attorney that

doesn’t charge by the minute (much to his wife’s consternation). He says

he uses his loud voice to champion justice and irritate his wife. Able to

leap tall buildings in a single bound, Q will always come to your rescue,

except on Friday afternoons.

The Technology Adoption Award for 2021 went to Debt Erasers and

recognizes a practice that is making use of the DReX system and

encourages their clients to do the same to stay up to date with their debt

review matters.


THE ANNUAL DEBT REVIEW AWARDS SHOW 2021

THE SPEAKERS

There were a number of presentations and speeches during the Main

Show including words from the NCR Head of Debt Counselling Ms

Kedilatile Legodi. Ms Legodi was able to give some information about

efforts being made at the CIF and NCR in dealing with the challenges

facing consumers and the industry.

Mr. Benay Sager who spoke on behalf of the National Debt Counsellors

Association, was able to present a state of the industry update, looking at

how things have been going in the industry during the lockdown.

Benay was no doubt later very pleased as his team (at DebtBusters) was

recognised for their hard work, taking home the highest ratings in their

Debt Counsellor practice size category.

Mr. Justin vd Linde (formerly of Consumer Friend) hosted part of the

show about a day in the life of those involved in the debt review process.

The audience got to have a look into the busy lives of Credit Providers

(like Capital Data), Debt Counsellors (like DCGsa), PDAs (like Hyphen

PDA) and Attorneys (like Steyn Coetzee). The take away from this section

is that everyone works very hard, and it is not uncommon for those in

the industry to feel like they are swamped with never ending work to do.

There were also some valuable warnings for consumers from Annienne

of Consumer Debt Support, and Reinhart of Debt Therapy who delved

into the dangers consumers face before and during the process from

unscrupulous scammers.




THE ANNUAL DEBT REVIEW AWARDS SHOW 2021

CONSUMERS GETTING

OUT OF DEBT

Debt review is an amazing process that helps people

deal with their debt in a dignified way. It also helps

people pay off all their debt and become debt free.

A highlight of the show every year is to get to meet some of these

consumers and see how debt review has changed their lives.

This year it was great to see how Standard Bank and Debt Counselling

Practice, National Debt Counsellors (NDC) had worked together to cut

12 months off of the review process for two lovely consumers who had

loyally been sticking to the process for several years. It reminded the

audience that the entire process is all about helping people deal with

their debt and make a fresh start.

Well done to both NDC and Standard Bank for making it happen and to

Roseline and Nconyiswa for sticking with the process and getting out of

debt!


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THE ANNUAL DEBT REVIEW AWARDS SHOW 2021

WHO WON WHAT?

Each year, after an industry wide peer review, the

results of the peer reviews are announced during the

annual Debt Review Awards Gala (or online show

during the pandemic).

The peer review process helps identify the top rated debt counselling

practices in South Africa as well as PDAs and Credit Providers.

The highest rated practice or company in each category is awarded a

Golden Piggy Bank Award.

Let’s take a quick look at the results.




THE ANNUAL DEBT REVIEW AWARDS SHOW 2021

GOLDEN PIGGY BANK

PDA WINNERS

Each year both Debt Counsellors and credit providers

are asked to rate their interactions with the people

who handle the money side of debt review.

Debt Counsellors come up with the plans and consumers make one

single debt repayment each month but it is the Payment Distribution

Agents (PDAs) who split the money up into the right amount and pay

that over to the right accounts each month.

There are currently only 4 PDAs who are legally registered with the

National Credit Regulator (NCR). Each month the NCR check on them

and regular audits are held to ensure consumers funds are being handled

with care.

The 4 NCR Registered PDAs are:

• CollectNet PDA

• DC Partner PDA

• Hyphen PDA

• iPDA


THE ANNUAL DEBT REVIEW AWARDS SHOW 2021

Debt Counsellors receive their fees via the PDAs and the credit providers

receive the consumer payments via the PDAs, so they both are very alert

to how the PDAs are performing.

This year, like last, credit providers rated Hyphen PDA the highest among

the 4 NCR registered Payment Distribution Agents.

Debt Counsellors rated DC Partner PDA the highest among the 4 NCR

registered Payment Distribution Agents. This was a shift from the past

few years where Hyphen PDA has taken home the Golden Piggy Bank.

Debt Review Awards Founder (and our Editor) Mr. Zak King says: “With

only 4 registered candidates the PDA section is always going to be

hotly contested. Obviously, all 4 candidates are working within the

requirements of the Act and are checked on by the NCR so, all are good.

The Awards identifies who is getting the best feedback throughout the

year and that’s always very interesting to see“.




THE ANNUAL DEBT REVIEW AWARDS SHOW 2021

GOLDEN PIGGY BANK

CREDIT PROVIDER

WINNERS

Credit providers are divided into various categories

such as Short Term Finance, Retail Finance, Large Non-

Bank Credit Providers, Vehicle Finance and banks are

considered both in Secured and Unsecured Credit.

Short Term Finance

Winner: Finbond Micro Finance

Retail Credit Provider

Winner: Consumer Friend (on behalf of their clients in this category)

Large Non-Bank Credit Provider

Winner: Old Mutual Finance


THE ANNUAL DEBT REVIEW AWARDS SHOW 2021

Vehicle Finance Credit Provider

Winner: Standard Bank

Banks: Unsecured Credit

Winner: Standard Bank

Bank: Secured Credit

Winner: Standard Bank

Competition in the credit providers section is tough with over 8500

different credit providers registered with the National Credit Regulator.

Big winners on the day were Standard Bank who took 3 out of 6 possible

Awards for credit providers.

Debt Counsellors also identified FNB as the up and coming debt review

department to watch out for in the future, as their service levels continue

to improve recently.

Credit Providers: Most Improved

Winner: Standard Bank




THE ANNUAL DEBT REVIEW AWARDS SHOW 2021

GOLDEN PIGGY BANK

DEBT COUNSELLOR

WINNERS

Due to the various different size practices that exist in

debt review (from a one person operation to dozens of

Debt Counsellors working under the same brand) the

peer review results are announced in the following size

categories:

• Boutique

• Small

• Medium

• Large

• National

No one type of operation receives more recognition than another,

rather the process tries to compare apples with apples and oranges with

oranges.


This year the Top 5 Debt Counsellors and highest rated in the various

sizes looks like this:

Top 5 in alphabetical order:

• Alice Lubbe | Care for Debt

• Johan Wepener | Johan Wepener Debt Counsellors

• Lee Lombard | Garden Route Debt Counsellors

• Lee-Ann Sansom | CIDA – Capes Independent Debt Advisors

• Petra Swanepoel | Streamline Debt Counselling

Boutique Debt Counsellors have a reputation for paying close attention

to their clients and providing fast turnaround times. This year the highest

rated Debt Counsellor in this Top 5 group was Lee Lombard of Garden

Route Debt Counsellors.

Top 5 in alphabetical order:

• Andre Carelse | AC Debt Counsellors

• Joy Victoria Minnies | Debt Quest

• Karl Schweidler | Wineland Debt Counsellor

• Margaret Bekker | Help U Debt Counsellors

• Shaun Zeelie | Master Your Money

There are many smaller Debt Counselling practices in South Africa

with many possible candidates for the Top 5. This year Shaun Zeelie (a

previous winner) took top honours in this category for his work under

the brand Master Your Money.




Top 5 in alphabetical order:

• Awie Coetzee | SA Debt Help

• Eugene Cilliers | Pay Plan Solutions

• Gerhard Stoltz | Gerhard Stoltz Debt Counsellors

• Russell Dickerson | RD Debt Counselling

• Tania Dekker | Debt Free with Armani

Medium sized Debt Counsellor Practices commonly have 2 or 3 Debt

Counsellors working along with a team of admin assistants. They often

share an office (or work remotely together) and share staff resources.

Well organised operations can provide clients with a balance of

personalised attention and resources to pursue complicated matters, or

deal with challenges that come along during the review process.

This year Mr. Russell Dickerson, who is currently the Debt Counsellors

of South Africa Chairperson, once again took the top spot for the

second time in two years. Russell is well known for his hard work with

the association and in supporting fellow Debt Counsellors. It seems the

credit providers also recognise his hard work in looking after his clients.

Top 5 in alphabetical order:

• Credit Matters

• DCGsa

• Debt Care

• Debt Therapy

• Summit Financial Partners

Large Debt Counselling practices are defined in the review process as

those that have over 1000 clients and less than 4000. These are growing

practices that are taking on many new clients each month, and are

traditionally very proactive in their branding and advertising.


Most of the names in the Top 5 will be familiar to anyone involved

with the industry, and often these practices take the lead in local Debt

Counsellor initiatives and associations as they try to improve the industry

and promote the debt review process.

This year DCGsa (Debt Counselling Group South Africa) who are based

primarily in the Eastern Cape took home the Golden Piggy Bank Award.

As you can see mentioned in the video (in Afrikaans)

Top 5 in alphabetical order:

• DEBTBUSTERS

• DEBT RESCUE

• NATIONAL DEBT ADVISORS (NDA)

• NATIONAL DEBT COUNSELLORS (NDC)

• OCTOGEN

The make-up of the Top 5 National Debt Counselling practices

remained the same as in 2020 showing a high level of consistency.

These practices have many, many thousands of clients and operate with

large teams of cooperating Debt Counsellors and their admin staff. The

various Debt Counselling practices in the top 10 in this size category

have helped over 80% of the people who have ever made effective use

of the debt review process. All have a good reputation for engaging

closely with credit providers and actively trying to promote debt review

and ongoing improvements in the debt review process.

For a number of years, household brand, DebtBusters retained the top

spot in this size category. In 2020 they were replaced by National Debt

Advisors (NDA). This year DebtBusters were able to reclaim the top spot

and once again take home the Golden Piggy Bank.




Debt Review Awards Founder (and our editor) Mr Zak King says: “It

is always nice to see who has received the highest ratings by their

credit provider peers. We wait to hear the results each year with great

anticipation. It is like our industry’s Oscars”.

Zak and several members of the Debtfree team and other volunteers

have been organising the event since 2014.

He also says: “It is appropriate that extra recognition goes to those who

take home the 5 Golden Piggy Banks. It is worth mentioning, however,

that all those who made the Top 10, making up 50 different debt

counselling practices, should be really proud. There are hundreds of

Debt Counsellors in the country and to be recognised from among all

these very hard working individuals and practices is a real achievement”.


THE ANNUAL DEBT REVIEW AWARDS SHOW 2021

THAT’S A WRAP

All in all the Debt Review Awards event helped shine

a light on consumers getting out of debt and making

use of the debt review process and also recognised

the efforts of individuals who are working hard in the

industry.

It was a moment’s reprieve from a lot of the pressure and stress that

those who work hard in the industry face every day.

Those on the Debtfree Magazine team who also help on the Debt

Review Awards project say that they are very happy that all the guests

and viewers could tune in and our Editor, Mr. Zak King, said he was

“blown away by all the support and effort” made to make the event a

success.


Thank You To Our Supporters & Sponsors

The Debt Review Awards is supported by credit providers such as

ABSA, African Bank, Capital Data, Consumer Friend, FNB, Nedbank and

Standard Bank;

Service providers such as insurance giant ONE, Maximus and Slipstream

Technologies play a big role in aiding and promoting the process each

year.

Also supporting the Awards process are NCR registered Payment

Distribution Agents such as DC Partner, Hyphen PDA and iPDA.

Associations such as DCASA, NDCA, iDCC and MFSA helped in

communication with the industry about the process.

The Awards Show this year featured speeches from both the National

Debt Counsellors Association and the National Credit Regulator.

Attorneys Steyn Coetzee, Kemp du Bruyn and DL Attorneys also played a

valuable part in helping with the show this year.

The organisers want to thank all these parties as well as all the Peer

Review participants for your support and efforts this year.




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DEBT REVIEW

LESSON #3

When you call your Debt Counsellor,

remember that the person who answers

the phone is probably not going to be your

Debt Counsellor themselves but rather

some sort of administrative assistant.

If you need serious debt review advice then

speak directly to your Debt Counsellor.


What if...

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How does the partnership between Meliorleaf and Debt

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We keep you advised regarding your clients to ensure they are

covered properly, and remain covered.

We regularly remunerate you, depending on what you choose to

do:

Some debt counsellors want to be actively involved in

arranging and managing insurance relationships, and we

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Some debt counsellors are registered Financial Services

Providers who can advise their clients and provide a full

brokering service, thereby being entitled to earn the full

commission.

Meliorleaf understands that some debt counsellors cannot, or do

not want to be actively involved, but still want their clients to be

properly insured:

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Well done to all 50 Debt

Counsellors recognized

this year at the Debt

Review Awards.

www.allprodc.org

Debt Counsellors Collective

The iDDC would like to hear

from members and other

DCs about the struggles they

face and continue to face as a

consequence of the lockdown.

What issues need to be escalated

to the NCR?

Congratula

the winners

Review A


We are beyond proud of all our

DCASA members who were

nominated at the Awards this year.

We are absolutely elated that four

members won “Best DC Practices” in

the industry out of the five different

DC categories. Congratulations!!

Check out our latest video:

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www.dcasa.co.za

tions to all

at the Debt

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A LEGAL VIEW

BANK STOPPED FROM

REPOSSESSING HOME

BECAUSE CONSUMER WAS

AHEAD ON PAYMENTS


A debt review consumer missed some scheduled

monthly debt review payments. The bank wanted to

get a judgment and sell off the house but the consumer

was way ahead of their home loan repayments.

What happens in this situation?

In an Application for Summary Judgment in the Western Cape High

Court, the Bank involved argued that, despite the debt review client

having made a massive lump sum payment of R100, 000.00 back in

July 2013, the subsequent missed monthly debt review payments

constituted a default in terms of Section 88(3) of the National Credit

Act.

Even though the consumer was ahead of his payments on the bond,

the Bank persisted with the argument that “the Defendant had

defaulted each and every time he did not make the monthly payment

which means he did not comply with his obligation to pay each

month”.

The learned acting Judge De Wet agreed with Attorney Quintin

Zimmermann of Liddles and responded: “How it can be argued that

monthly non-payments in circumstances where a (debtor) such as

the Defendant had paid in excess of what was owing in terms of the

restructuring order, amounts to a default of the restructuring order, is

beyond comprehension”.

The Western Cape High Court further showed its disapproval of the

Bank’s conduct by ordering the Bank to pay the consumer’s legal

costs and holding that “the Plaintiff’s persistence with this application

in circumstances where the Defendant was clearly not in arrears


A LEGAL VIEW

when summons was issued and had in fact paid in advance, raised

serious concerns whether the Plaintiff acted bona fide herein”.

So, it is good to be a bit ahead on home loan payments in case

this situation ever comes up and this is a good precedent case for

Attorneys and Debt Counsellors to keep in mind if a similar situation

arises.

Consumers can also look into insurance products specially for

consumers in debt review that can help them make payments if they

temporarily lose income etc.

Debtfree Magazine want to thank Liddles &

Associates for their help in preparing this article

Case reference:

Western Cape High Court case no. 19520/2018


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www.debtbusters.co.za

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Tongaat

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Tel: 071 222 9481

Tel: 032 944 3446

admin@kmadebt.co.za

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FINANCIAL COACHING

MONEY MANAGEMENT

EMPLOYEE ASSISTANCE

PROGRAMMES

031 303 3690 / 084 250 2356

romie@debtfinesse.co.za

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Credit Matters

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EASTERN CAPE

info@debtbusters.co.za

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Tel: 086 111 6197

Fax: 021 425 6292

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Your Guide to Financial

Wellness and Recovery

0861 229 922

info@debthero.co.za

www.legalhero.co.za

info@debtbusters.co.za

www.debtbusters.co.za

WESTERN CAPE

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www.debtcentre.co.za


Credit Matters

South Africa’s Leading

Debt Counsellors

NCRDC533

14th Floor, The Pinnacle

Cnr Strand & Burg St

Cape Town

Tel: 086 111 6197

Fax: 021 425 6292

info@creditmatters.co.za

NCRDC1142

Tel: 087 701 9665

Email: help@zerodebt.co.za

www.zerodebt.co.za

Drastically reduce your monthly

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Get your own dedicated Debt

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Our team of friendly & efficient

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answer your quesons.

CHOOSE

YOUR

FINANCIAL

FREEDOM

TODAY

021 204 4711

067 211 4913

info@debteezy.co.za

www.debteezy.co.za

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

www.financialfreedomsolutions.co.za

dc@ffsdc.co.za

www.financialfreedomsolutions.co.za


SUPPORT SERVICES

011 451 0041

0860 072 768

www.dcmax.co.za

DC Operaon Centre (PTY)

Services:

17.1, 17.2, Proposals

Court Applicaons

Call Centre

Payment Division

COMING SOON

TRAINING

Contact Elmarie

011 394 8042

083 232 1908

admin@dcoperaons.co.za

www.dcoperaons.co.za


Credit

Life

Insurance

You make money,

your clients save money

086 126 6562

debt@one.za.com

www.one.za.com

INSURANCE

087 109 1164

info@dccp.co.za

www.dccp.co.za

BEST RATES IN THE INDUSTRY

50979


LEGAL

CONTACT

Jusn an Der Linde

1st Floor Icon House

24 Hans Strijdom Street

Cape Town

8001

079 6977 259

jusndlaorneys.co.za

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


082 974 0866

We are a Port Elizabeth based law firm

capable of assisting Debt Counsellor’s

throughout South Africa with matters

within the following

carla@cvlaw.co.za

areas of jurisdiction:

Port Elizabeth;

New Brighton;

Motherwell;

Uitenhage;

Hankey;

Jeffreys Bay; and

Humansdorp

Your Debt Counselling Attorneys

Johannesburg | Cape Town

Andre Van Zyl

021 494 4862

info@bassonvanzyl.com

082

www.cvlaw.co.za

974 0866

carla@cvlaw.co.za

www.cvlaw.co.za

www.bassonvanzyl.com

EMAIL

yolande@ydeattorneys.co.za

CELL

071 870 9535

TEL

061 250 4080

www.embattorneys.co.za


Accountability Group

wendy@accountability.co.za

Bitventure Consulting

compliance@bitventure.co.za

South African Fraud

Prevention Service NPC

Blue Oak Systems

enquiry@blueoak.co.za

Cession Central

admin@cession.co.za

CREDIT

BUREAUS

011 867 2234

maigoshians@safps.org.za

www.safps.org.za

Clearscore

regulatory@clearscore.co.za

Clicknhire

christiel@clicknhire.co.za

Consumer Profile

Bureau

marina@cpbonline.co.za

Credit Bureau Association

Credit Gateway

compliance@creditgateway.

co.za

Cred-IT-Data Online

Holdings

bureau@creditdata.co.za

info@cba.co.za

www.cba.co.za

CreditWatch

marina@cpbonline.co.za

CrossCheck

Information Bureau

marina@crosscheckonline.

co.za


Effective Intelligence

sardagh@e-intelligence.com

Fides Cloud

Technologies

craig@fidescloud.co.za

Finch Technologies

chris@finchinvestments.co.za

I-Bureau Services

abrie@ibureau.services

IDR South Africa

shane@v-report.co.za

iFacts

sonya@ifacts.co.za

Inoxico

support@inoxico.com

Kudough Credit

Solutions

chrisjvr@kudough.co.za

Lexisnexis Risk

Management

kim.bastick@lexisnexis.co.za

Lightstone

chrisb@lightstone.co.za

Loyal1

tshepiso@loyal1.co.za

Managed Integrity

Evaluation

marelizeu@mie.co.za

Maris IT Development

marius@marisit.co.za

National Validation

Services

info@nvs-sa.co.za

Octagon Business

Solutions

gregb@octogon.co.za

Omnisol Information

Technology

info@verifyid.co.za

Payprop Capital

johette.smuts@payprop.co.za

PBSA

seanb@PBSA.CO.ZA

Right Cover Online

cto@rightcover.co.za

Searchworks 360

skumandan@searchworks360.

co.za

Smart Information

Bureau

info@smartbureau.net

ThisisMe

juan@thisisme.com

TPN Group

michelle@tpn.co.za

Trans Africa Credit

Bureau

clintonc@transafricacb.co.za

Transaction Capital

Credit Health

DavidD1@tcriskservices.co.za

VeriCred Credit Bureau

sumein@vccb.co.za

WeconnectU

johann@weconnectu.co.za

Zoia Consulting

sipho@dots.africa


PAYMENT

DISTRIBUTION

AGENCIES

COLLECTNET

+27 12 140 0602

DC Partner

044 873 4530

Hyphen PDA

011 303 0060


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


Mrs. Cindy Mauritz will be heading up the debt review department and will be supported by Miss

Meghan Bruiners and Mrs. Fika Snyders in their capacity as Team Leaders.

We have updated our communication and escalation channels in this regard.

Please refer to the communication channels listed in tables 1 and 2 below. It is important that

documentation be send to the correct communication channels to ensure timeous feedback.

CAPITEC CONTACT DETAILS

Table 1: Debt Review communication channels

Channel Description E-mail address

1 Form 17’s All Forms 17’s / ccsforms17@capitecbank.co.za

Clearance Certificates

2 Proposals All Proposals ccsproposals@capitecbank.co.za

3 Court documents All Court documents ccsdebtrevieworders@capitecbank.co.za

(Notice of Motion’s /

NCT applications /

Orders)

4 Terminations Termination queries debtreviewterminations@capitecbank.co.za

5 General enquiries General Debt Review ccsdebtreviewqueries@capitecbank.co.za

Enquiries

6 Refund / Cancellation

requests

Debt Review Refund

Requests and

Cancellation of Debit

Orders

ccsrefundrequests@capitecbank.co.za

7 Insurance Certificates Replacement Insurance

Policies

8 Reckless Lending Allegation of reckless

Queries

lending and document

requests

9 Credit Insurance Claims All credit insurance

claims

10 Payment allocations Payment Allocations

11 Share Call Contact

number

queries

insurancepolicies@capitecbank.co.za

Rmcontrol@capitecbank.co.za

CreditInsuranceClaims@capitecbank.co.za

ccsdebtreviewpaymentqueries@capitecbank.co.za

086 066 7783 Option 2


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






DC QUERY PROCESS

NEDBANK DRRS

Debt Counselling Query Resolution Contact Points and Escalation Options

Fax or Email submissions (Level1)

Email: DebtCounsellingQueries@nedbank.co.za

Fax: 010 251 0055

To be used as a first point of contact for all

written communication

Call centre (Level 1: Alternative)

Tel: 0860 109 279

To be used as a first point of contact for

all telephonic communication

Attended to by Queries Team Leader

(Level 2: First Escalation)

Dcescalation1@nedbank.co.za

To be used only where no resolution is

found from first point of contact after

5 business days

Attended to by Senior Manager

(Level 3: Final escalation)

Dcescalation2@nedbank.co.za

To be used only where no resolution

is found from the first escalation after

2 Business days

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


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