Debtfree Magazine issue 1 of 2022

Issue 01 of 2022

DO’S AND

DON’TS

OF DEBT

REVIEW

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FROM THE EDITOR

We have now arrived at ‘Season 3’ of The Pandemic.

Like many sequels we can expect it to be derivative,

less impactful and not as original as season 1 or 2.

Remember how the world came to a standstill in

Season 1. Well, that was hardly the case in Season 2

and it looks like most places are waiting for Omicron

to taper off (like it has here in SA) before things can get

back to “normal”.

At some point, a pandemic spreads everywhere and becomes an

epidemic or even an endemic. Something local that has to be dealt

with from time to time. At this point, scientists say this is the best we

can hope for. With greater vaccination rates and lower mortality rates

(along with higher numbers of recoveries) the spread slows and the

impact is reduced.

Will things ever go back to how they were before? Not quite, but

there seems to be optimism that 2022 will be more manageable in

regard to Covid-19 given the experience, boosters and change in

social behaviors over the last two years.

Sadly, it looks like economically, the year is going to be a tough one

for all consumers and particularly for those burdened by heavy debt.

Interest rates are now on the upward swing and look to increase

for the next 2 years at least. The question is not will they increase,

but how much they will increase. Inflation is a real issue as fuel

costs increase due to the oil producing countries (and companies)

desperate to milk what they can, before global climate change makes

them the villain of every future TV show and movie.

Locally, food prices have shot up with shortages and import

costs hammering our wallets, and it looks like Eskom are in for a

rollercoaster of a year.

So, if you have a mountain of debt to deal with on top of all that,

please go talk to a professional Debt Counsellor and make a proactive

plan now. If you are already in debt review, then watch your budget.

With the cost of living shooting up, your budget is going to be in flux.

You may have to make more cuts just to make ends meet, but please

do stick with the debt review process. This way, you do not have to

have debt stress on top of everything else.

In the magazine this month we look at things you should do to make

a success of your debt review, and things that will burn your debt

review to the ground faster than you can say “parliamentary fire”. We

also track interesting financial and economic news and you can meet

a key industry person in our profile article.

Yes, Season 3 might be tough, we are not out of the woods yet, but

let’s allow ourselves a moment to be slightly optimistic. We no longer

stare at our TV sets and social media feeds in horror. We are now far

more savvy and tough. We don’t scare as easily, and we are perhaps

a little wiser and more realistic than before. So we don’t expect roses,

but who knows, maybe they will cancel season three at some point.

Wouldn’t that be nice? Almost as nice as being totally debt free.

FREE BOOKLET

TO DOWNLOAD AND SHARE

How do you leave Debt Review?

How do you have the Credit Bureau remove

the Debt Review listing on your credit report?

Leaving Debt Review Is Not As Simple As To Simply Stop Paying.

Consumers can only leave the debt review process at certain times

and in certain ways.

This free e book will help you navigate this process and avoid many

of the common mistakes people make when wanting to leave debt

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If you are curious about how you can leave debt review properly and

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DEBT REVIEW

LESSON #1

If behind on car payments: They have to

invite you to court before they can take

your car back. You get to defend yourself

at court first.

Contact a/your Debt Counsellor at once if

approached by any collections person.

PROFESSIONAL DEBT

COUNSELLING ATTORNEYS

Assisting With Debt Review Matters Nationwide

WESSEL SYMINGTON TEL: 021 872 1968

wessel@steyncoetzee.co.za www.steyncoetzee.co.za

South Africa’s

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Wessel Symington

Steyn Coetzee

Attorneys

‘‘The reason Zero Debt are industry leaders is that they get 80%

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Zero Debt regularly succeeds in convincing credit providers to reduce

their high interest rates down to less than 5% on their client’s debts.

This means that Zero Debt clients obtain their court orders and can pay

off their debts quickly. They ensure dedicated clients get their clearance

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Zero Debt’s team are very experienced and highly professional. They

work hard to ensure clients are totally debt free at the end of the debt

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087 701 9665

help@zerodebt.co.za

www.zerodebt.co.za

NCRDC1142

CONTENTS

5 DO’S AND DON’TS OF DEBT REVIEW

DOES DEBT

REVIEW PREVENT

ANY LEGAL

ACTION?

MAKE THE CALL

INDUSTRY

SPOTLIGHT

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

SHOCKING ESKOM

PRICE HIKE

Eskom have asked Nersa (who regulate the energy industry)

for a massive 20.5% tariff increase as of 1 April 2022. The

price hikes are aimed at saving the utility producer (which

will be split into 3 smaller units) and allowing them to actually

cover the maintenance and investment costs. After years of

state capture looting Eskom are in dire straits and are having

to push up prices to try repair the damage done.

They have given a bunch of reasons why and Nersa have

been ordered to make their minds up about the increase

ASAP. While it is not 100% guaranteed that they will get the

total increase they have asked for, it does appear that the

price of electricity is about to shoot up dramatically and it

may well be close to 20%. So take a look at your electricity

bill over the last few months and add an extra 20% to that

bill to see what you will be paying.

Those who use solar energy only some of the time also look

to be punished in some of the latest proposals about the

tariffs. It is predicted that this will force some to drop their

solar usage as not worthwhile after massive investments in

set up and others to go totally off grid to save more. It is safe

to say the proposals have not been popular.

Eskom have also said that some of their biggest plants will be

offline for months this year to be serviced and repaired and

this will probably mean load shedding for several months

throughout the year.

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NCRDC2484

REPO RATE NOW AT 4%

The SA Reserve Bank Monetary Policy Committee (MPC)

has announced that they will be pushing the Repo Rate up

to 4%.

This is second such increase in just 3 months. The rate also

increased by 25 basis points in November 2021 after many

months at record low rates during the height of the Pandemic.

This fits with economists (and the MPCs) warnings that the

country is now in a pattern of increasing interest rates for

the next 24 months (probably).

Because the Repo Rate has increased it means that the

banks borrowing money from the Reserve Bank have to pay

them more (in interest) and they in turn will bump up the

rates they are charging consumers on their debts. So, if you

have a credit card, overdraft, loan or bond, which is linked

to Prime, you are going to be paying more and more each

month over the next 2 years as these rates climb and climb.

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NCRDC19

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5

5 DO’S & DON’TS OF DEBT REVIEW

TO DO, OR

NOT TO DO...

Debt review has been an important part of South

African law since 2007. It has helped hundreds of

thousands of consumers to repay their debt in an

affordable way each month.

Hundreds of consumers get totally out of debt each month due

to this process, and have been able to go from being indebted to

starting to build wealth.

There are some people who start the process and quickly fail, while

others start the process and complete it successfully. What is the

difference? Why can some people pay off their debts while others

can’t?

Let’s look at 5 things you should do while in debt review and 5

things you should definitely avoid, if you want to pay off your debt

successfully.


TALK TO YOUR

DEBT COUNSELLOR

Throughout the debt review process, you are going to

be relying on one very important person, your Debt

Counsellor. This professional has the qualifications

and experience needed to successfully navigate you

through the process.

So, it is important to know who your Debt Counsellor is. Not just

the name of the practice they work at (there may be many Debt

Counsellors working at the same practice). You need to know them

by name. You need to be able to pick up the phone and talk to them

directly (not just a random staff member).

This is the person who you want to talk to about any challenges that

come along, to ask for sound financial advice and if you are worried

or unhappy about something, this is the person who can get things

done.

So, don’t go out looking for advice on random Face book pages, call

your Debt Counsellor who knows your situation intimately and get

professional, knowledgeable advice from someone who knows your

situation well.


BE VERY

ORGANIZED

Before you started debt review, you may have had

some bad financial habits like, ignoring your monthly

statements from credit providers. Maybe you just left

statements and invoices lying around or even threw

them away. Did that work out well for you?

Probably not. It may well have contributed to making your situation

harder to deal with when you first started struggling to make the

required debt repayments.

So during the debt review process, it is very important to save and

backup important emails and documents. It can help to print them

out, file or electronically store important documents.

It will help you stay motivated if you accurately track your monthly

progress towards your goal of paying off your debt. We all like to

know if we are making progress or not, so get organized and keep

track of how long you have got to go.


EDUCATE YOURSELF

ABOUT DEBT REVIEW

When you first started debt review, you probably had

several long chats with your Debt Counsellor about

how the process will work.

Maybe you had some follow up sessions and even Googled useful

articles about the process. The problem is that we tend to forget

things over time. What was at first very clear in our minds, gets fuzzy

after a while. Soon you might be pretty unsure about a lot of stuff.

This is why it is important to educate yourself about the process.

Of course you might Google things and find a lot of incorrect

information online (like everything these days) so, be careful of who

you look to for information and don’t believe everything you see

online. Choose reputable sources like the NCR or Debtfree Magazine.

Chat with your Debt Counsellor from time to time about questions

you have. Their websites may contain helpful FAQ articles and you

should always feel free to drop your Debt Counsellor an email if you

are confused about something.

The process can also change a little over time, as new court cases

happen or new adjustments are made to the law. So, it is good to stay

current with things about debt review. Consider it one of your new

hobbies, and dedicate a little time to it each week or month.


BUDGET

If you enter debt review and do not budget, then you

are heading for disaster. It may not happen right away.

It might even take a year or even two, but if you are not planning your

spending and tracking your payments, then trouble is going to hit you

out of nowhere. Your Debt Counsellor may have initially helped you

work out a monthly and annual budget figure, but it is up to you to

stick to those figures or even better, beat them if you can.

Your budget will have a section for saving towards annual expenses

(like car services or school clothes for the kids). If you are not

managing to set those funds aside, then you are going to eventually

have a problem, guaranteed. In the past maybe you never would have

planned and saved, but that has to change.

You do not have to track every single cent of your spending every

day, but you should be keeping an eye on this, in some shape or form,

if you want to succeed. It is like keeping an eye on your speed while

driving and occasionally also looking over to check that you have

enough petrol in the tank.

If your budget is not working, then talk to your Debt Counsellor right

away.


BE PATIENT AND

READY TO GO THE

WHOLE JOURNEY

Imagine travelling from Johannesburg to Cape Town for

a much deserved beach holiday. That sounds like fun.

Now imaging that you are half way to Cape Town but you feel tired

of all the driving so, you stop. How wonderful is your holiday in Cape

Town going to be?

Well, you never reached your destination, so you are not going to

have a great time are you? No, you need to keep making progress and

travel all the way to your destination to enjoy yourself. It doesn’t help

to pull over 100 km or even 50 km from your destination. So, when

you start debt review you must be determined to make it all the way.

Don’t start the process and then later decide to stop. You will not

reach your goal of getting out of debt. You will have made a little

progress, but you will not get the result you want if you are not

prepared to follow though.

Debt review is a journey, not a quick little spin around the block. It will

not take you just a month or two. No, realistically you will have to be

patient and persistent and it will take you months, it could take years.

But each year you will be closer and closer to your end goal. Each

month you will have taken yet another step towards freedom. Each

day you will be living a more manageable life without overwhelming

debt stress. So, be patient and do not give up before you get there.


DON’T MISS

A PAYMENT

The entire principle of debt review is that you pay a

realistic amount towards your debt each month.

This is why it is fair to both you and your credit providers. They agree

and even make huge concessions to help, because they know they

can count on getting paid a regular amount each month.

If you miss a payment, then you will lose all the protection of your

debt review and all the benefits, it destroys the process.

It is like being faithful to your partner in a relationship. You need to

always be faithful to them. It is unrealistic to think that they will be

happy if you suddenly cheat on them after 3 years, even if it is just

once. And if you do cheat, then it is unrealistic to expect them to be

happy in the relationship. You have broken their trust, and they would

be within their rights to end the relationship.

Never break the terms of your debt restructuring court order, and

always make your debt repayment. If you have any challenges in this

regard, then speak to your Debt Counsellor as soon as you have even

a hint of a problem on the horizon. They may be able to help limit the

fall-out, but only if you give them enough time to do so.


DON’T CHANGE YOUR CONTACT

DETAILS WITHOUT LETTING

YOUR PDA AND DC KNOW

Each month (while in debt review) your Payment

Distribution Agent (who will handle the money side of

debt review and track your payments etc) will send you

a statement showing all payments made to date. They

will send this to the contact info that they have on file

for you.

Your Debt Counsellor will send important documents (like court

documents that need to be commissioned and returned) to you. They

will need you to respond swiftly, and will use the contact info that

they have one file.

If you change your contact phone number or email address, you

must let your Debt Counsellor know even before you let your mom

or friends know. You never want to miss even one document, email

or sms.


DON’T PANIC IF YOUR CREDIT

PROVIDER STATEMENT IS NOT

WHAT YOU EXPECT

From time to time you might access a statement or

receive a statement from a credit provider that seems

to contradict what your debt restructuring court order

says.

Since the court order is legal and binding, it is obvious that there is

probably something wrong with what the credit provider is sending you.

If the difference is small, it is probably just because of minor

differences in what day interest charges are done, or if they have

allocated funds speedily or not. No big deal, but you should let your

Debt Counsellor know.

If the differences are big. Say for instance if the bank statement does

not reflect a payment that you know the Payment Distribution Agent

or yourself have made, then your Debt Counsellor will be able to help.

Get in touch and do not panic. It might take a day or two or maybe

even a month or two, but things will get worked out.

You should not ignore these differences, remember that your Debt

Counsellor has many other clients, and might not pick up the

discrepancy. Let them know, but also do not panic, things will get

sorted out.


DON’T BLAME YOUR

DEBT COUNSELLOR

FOR EVERYTHING

If one of your credit providers says they want to try

duck out of the debt review process even though you

are paying, should you blame your Debt Counsellor?

Think about it: Who is making the problem? The credit provider.

If you get a rude letter from a collections agent, should you blame

your Debt Counsellor?

Think about it: Who is making the problem? The Collections agents.

It is important that when problems arise, (and they will) that you do

not unfairly blame the wrong person.

Your Debt Counsellor is super motivated to help you with your debt

situation, so, please do not be quick to blame them for things other

people do.

Even when things are not exactly how you would like them to be,

remember that Debt Counsellors have certain legal requirements,

and can only work within the law. This occasionally takes a little

longer than we would like, but it is the best way to do things. Even if

they need to help you complain about a credit provider to one of the

Ombudsman or to a credit bureau about incorrect info showing, your

Debt Counsellor is there to help you. They are on your team.

Very few Debt Counsellors are earning a large salary. They earn

very little in fees each month and most are just motivated by a real

concern for their clients. They want to help balance your rights with

those of the big corporate banks. So, please don’t go online and bad

mouth them because of something a credit provider has done, blame

the right person.


DON’T LEAVE THE

PROCESS BEFORE

IT IS DONE

If you are cooking a meal, you wont suddenly stop

cooking the food half way through just because you

are hungry. No, you need to continue cooking the

food until it is ready.

It is similar with debt review, you cannot just stop the process half way

through and expect your debt situation to be sorted out.

In fact, if you eat half cooked food you may become super ill. The same

can be said for debt review. Half a debt review can make you more

financially sick than you think. So, never walk away from your debt

review before it is done.


DO THE DO’S AND DON’T DO

THE DON’TS OR YOU WILL END

UP IN DOODOO

This short list of Do’s and Don’ts is by no means

everything that you need to do or should avoid but

they are some important stand-out items that have

helped a lot of people make a success of the debt

review process. They are now living debt free and you

can too.

Debt review is not a passive process. It requires you be involved, it

requires you to stick to a budget, to keep an eye on costs, to save,

and actively track your progress. It is a journey that requires patience

and persistence but brings an incredible reward - a fresh start and

perhaps a debt free life, it is well worth the effort.

Some say that the most important rule of debt review is to never

miss a payment, or you will lose the progress you have made,

and protection of the process. So, if you begin to worry about a

possible future problem, pick up your phone and contact your Debt

Counsellor. Talk to them about how you can stay on track, and

possible adjustments that you need to make to stick with the process.

This is vital to start and finish the journey.

Sadly, there are many bad people out there who want to offer you

scam loans or fake services to get out of debt review without having

paid your credit providers, it will take effort to avoid these traps and to

stay the course. Even credit providers or their collections agents can

put pressure on you and confuse you during the process.

So, be vigilant and stay on course with the help of a professional Debt

Counsellor who is on your side, so that you can make a success of

the process.

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DOES DEBT REVIEW

PREVENT ANY

LEGAL ACTION?

You may have seen some Debt Counsellors advertising

that entering debt review stops legal action against

you. Is this entirely accurate?

The National Credit Act (NCA) and industry agreements and

guidelines from the National Credit Regulator do offer consumers

who enter debt review with protection. It gives consumers a way to

use the law to protect their assets. One such way is by going to court

and getting a debt restructuring court order with the help of a Debt

Counsellor (often called a debt review or debt counselling).

When consumers enter debt review notifications are sent to credit

providers to tell them to stop their usual collections methods and

refer the matter to their internal debt review departments (who are

nice and friendly people who work closely with Debt Counsellors and

really help consumers with great concessions).

If legal action has not started on the debts involved this normally

means that no further legal collections actions will be taken. So, in a

way: Yes. The promise of no further legal action is mostly correct.

DOES DEBT REVIEW PREVENT ANY LEGAL ACTION?

BUT...

It is good to remember however that just because a

law (or guidelines) may be in place, it does not mean

everyone will listen to it 100% of the time.

For example, there are laws against various crimes like theft. Does

that mean that no one will ever steal anything? No. What it means is

that if someone does steal something then you can go to the cops

and they will investigate and hopefully catch the crooks and the law

will then punish them.

When it comes to debt review something similar can happen. A credit

provider (or their collections agents) may incorrectly start new legal

action against a consumer who is under debt review. They shouldn’t

but maybe at that point in time they feel they have a legal right to.

The good news is that with the NCA in place consumers (with the

help of their Debt Counsellors and attorneys) are able to go to court

and put an end to that legal action. At Court they can point out they

are already in debt review. Are already paying back the debts every

month and already have a debt restructuring court order in place (or

on the court roll waiting to be heard).

Entering debt review doesn’t mean that you are 100% guaranteed to

never face legal action over your debts because some collections

agents or credit providers might make a bad (possibly illegal) call and

still try something. Fortunately, the Act is there to offer you protection.

SO...

If you are in debt review and receive a scary legal collections letter or

a summons then be sure to let your Debt Counsellor (and attorney)

know so that they can use the provisions of the National Credit Act to

protect you and your assets.

DEBT REVIEW

LESSON #2

If behind on car payments: Never just give

your keys to someone claiming to be from the

bank! Beware of being tricked.



MAKE THAT CALL...

These days we are all used to dealing with call centers.

They are a fundamental part of nearly every industry

from insurance to clothing stores.

If you call your bank you will not speak to the CEO about your

accounts or even your branch manager. No, you will deal with a

trained person who can help you and if they can’t they may escalate

the matter to someone else.

If you call the NCR to lodge a complaint or ask for help, you will not

speak to the Regulator. No, you will deal with a trained member of

staff who can help you and if they can’t they will escalate the matter

to someone who can.

If you call the PDA you will not talk to the CEO or COO. No, you will

deal with a trained member of staff who can help you and if needs be

they will escalate the matter to a manager or supervisor who can help

further.

If you call your Debt Counsellor’s practice you may speak to

a receptionist or member of their support team. For some

administrative matters this is totally fine. Other matters however

require you to receive advice or discuss tricky financial challenges.

MAKE THAT CALL...

For such matters, you want to talk to your

Debt Counsellor (or Debt Counsellors if

you are fortunate enough to have several

qualified professional Debt Counsellors

who work together helping you).

It is like calling a hospital or doctor’s

office. If you need to make an

appointment then, sure, you can talk to

the receptionist. If you need accounts

information then it is fine to talk to an

admin clerk. If you want to find out what

happened with your X Rays you may talk

to a senior technician who is trained but

still not a doctor. If, however, you want to

renew your prescription you will probably

have to talk to your doctor or a doctor (or

make an appointment).

So, when calling your Debt Counsellor

just remember for some administrative

matters you can talk to support staff but

you may want to escalate more complex

matters directly to your Debt Counsellor.

We pay when your

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The importance of offering your clients

protection from falling behind with their

Debt Review repayments during unforeseen

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you, the Debt Counsellor.

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on how a partnership with

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the Debt Counsellor,

peace of mind.

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Email: info@creditguard.co.za

Tel: 083 252 8410

What if...

YOUR CLIENT’S VEHICLE IS STOLEN OR WRITTEN OFF?

• Is he properly insured?

• Could the insurer repudiate the claim

due to his debt review status?

• Since he cannot get more credit,

how does he replace his vehicle?

Meliorleaf is the first and only specialist in insuring

the assets of people in debt review. We genuinely

protect your clients… in partnership with you.

CALL US NOW 010 141 2799 | www.meliorleaf.co.za

MAXIMISING INSURANCE RELATED INCOME

PARTNERSHIPS

How does the partnership between Meliorleaf and Debt

Counsellors work?

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

equally share commissions earned.

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:

For these debt counsellors, Meliorleaf can offer a fully

outsourced turnkey solution. What’s more, we will still provide

you with ongoing remuneration on all active policies.

Are you interested in partnering with Meliorleaf?

Call Sean or Elmarie today on 010 141 2799

CALL US NOW 010 141 2799 | www.meliorleaf.co.za

Members are welcome

to post questions &

suggestions on the

Facebook page.

To apply to join:

facebook.com/groups/allprodc

www.allprodc.org

Debt Counsellors Collective

We hope all o

had a goo

Do you need representation with

the NCR?

Would you like to submit

recommendations to the CIF?

iDDC can help

If you would

with BDCF re

this year pl

HE

Email: alanm@moneyclinic.co.za

Members are reminded

to check our Facebook

Members group for

downloads, updates and

discussions regarding the

industry.

www.dcasa.co.za

ur members

d break.

like to help

sponsibilities

ease email

RE

NDCA are ready to help

consumers who are

struggling with debt.

Visit our site for more

information

ndca.org.za

Careers &

Vacancies

At IDM, the sky is the limit!

If you want meaning and purpose from your work,

IDM is the place. We offer a wealth of opportunities

for diverse work experience and personal and

professional growth within a supportive and vibrant

culture.

Take a look at our careers page for more

information:

https://www.idmgroup.co.za/careers/

www.idmgroup.co.za

STEP-BY-STEP

DREX GUIDE

DREX simplifies the exchange of data and makes managing the

debt review process less admin intensive.

The below links take you to step-by-step guides on how to use the

DC Portal on DREX.

How to Register on the DC Portal

Introduction to the DC Portal

Accessing a Consumer's Profile

INDUSTRY SPOTLIGHT

CHRISTEL DE BRUIN

COLLECTNET PDA CEO

What did you do before you joined CollectNet?

After obtaining my LLB [Legal Degree] in 2003, I decided that I

needed something more out of life instead of just handling contracts.

So, I joined a company as a business analyst. My focus was very much

on the banking industry and I was able to become something of a

banking specialist with insights into banking systems.

When did you enter the PDA and Debt Counselling

industry?

I joined the industry in 2010 starting in collections. This provided me

with some really helpful experience, and at the same time I got to

know a lot of Debt Counsellors and see the challenges they face. I

have a real appreciation for their efforts, as well as other debt review

industry role players that I got to interact with in that position.

Next, in December 2015, a job opportunity arose at CollectNet PDA. It

was at that point that I joined the CollectNet team. In 2017, I became

Chief Operating Officer (COO). This was where my existing expertise

and previous practical knowledge of the banking industry and systems

proved to be invaluable.

What is your current role at CollectNet?

As of August 2021, I am the Chief Executive Officer (CEO). As you can

imagine that means I have many areas of responsibility such as:

• Ensuring strategic planning in optimization of current systems

and processes;

• Driving optimizations in payment platform to make is easy for all

role players;

• Leading the development and execution of long-term strategies,

with the goal of increasing shareholder value;

• Better the communications, on behalf of the company, with

shareholders, government entities, and the public;

• Leading the development of the company’s short- and longterm

strategy;

INDUSTRY SPOTLIGHT

• Creating and implementing the company or organization’s vision

and mission;

• Evaluating the work of other executive leaders within the

company, including directors, vice presidents, and presidents;

• Maintaining awareness of the competitive market landscape,

expansion opportunities, industry developments, etc;

• Ensuring that the company maintains high social responsibility

wherever it does business;

• Assessing risks to the company and ensuring they are monitored

and minimized;

• Setting strategic goals and making sure they are measurable,

describable and achievable;

• Actively engaged with clients queries to finalise a solution. This

enables me to understand where our processes require the

necessary improvements.

As you can see, it is a rather extensive list of responsibilities that I

tackle on a daily basis. I really enjoy the opportunities and challenges

this position offers.

What is the best thing about working at CollectNet?

We have a phenomenal culture at CollectNet. If you work on the

team or use our services you will experience how we care for staff

and DC’s. We also really focus on all our consumer clients out there,

they are key. While we are not without mistakes, when we do make a

mistake, we own up to it and fix it ASAP.

CollectNet’s leadership is honest, approachable and fair, and within

the company we like to give members of the team room for growth

and development. We like to have fun at work, and there is a large

focus on morale between employees, management and their families.

It is important to enjoy your work day.

In my experience, it really helps everyone do well at work when there

are clear expectations and instructions given on exactly how to meet

those expectations. We really encourage open collaboration between

everyone on the team, and everyone gets to offer constructive

feedback based on what they are seeing in practice every day.

Other than that, I would say our specialized relationships with the

various banks and PASA help make us a leader in the industry.

What do you find most challenging about working for

the PDA?

Occasionally, we have to assist debt review clients who’s Debt

Counsellor has sadly passed away or a Debt Counsellor who has

suddenly closed their business without information their clients. This

leaves the consumers confused, exposed and feeling helpless. It is

really complex and challenging to assist these consumers, but we

work hard to do so.

Occasionally, we help consumers who have been the target of fraud.

Those are also not easy cases, but we work hard in conjunction with

other industry parties to offer whatever assistance we can.

INDUSTRY SPOTLIGHT

What do you think would help improve Debt Review or

PDA services in the future?

I believe that better education should be given to the consumers

during the process. It can be a real protection to consumers. While

some Debt Counsellors do make a real effort, many consumers are

still unaware of various important things about debt review and the

scams that come up etc. As a result, some are still been misled. As an

industry, we need to drive a better marketing awareness up front, as

to why debt review is beneficial. This will build on the knowledge of

clients and potential clients and create a better understanding of the

entire process.

With regards to the PDA specifically, I would suggest that the banks

make the effort to contact the PDA/Debt Counsellor before reversing

the Debt Order for their clients, which actually affects the consumers’

payment plan to the creditors. Banks should educate their staff about

this type of reversal and not just add another “Unauthorised Debit

Order” to their system.

In addition, the current PDA fees really should be reworked.

Consideration needs to be taken in regard to the time and effort

invested into the entire payment/distribution process.

What should consumers know about dealing with the PDA?

The PDA is there to collect and distribute funds to credit providers

and their Debt Counsellor. Consumers should be aware that the

PDA has certain mandatory functions to perform, as per the National

Credit Act, and requirements from the NCR. Therefore, when the

PDA requires certain important information from the consumer, they

should not be reluctant to comply. We are here to help so, please do

send that info when we ask.

What should Debt Counsellors keep in mind about

dealing with the PDA?

Debt Counsellors should understand that the PDA can only assist the

Debt Counsellor with payments plans, PDA system or with anything

pertaining to distributions. The PDA works hand in hand with Debt

Counsellors, nevertheless the PDA is not responsible for loading

the actual payment plan for the Debt Counsellor, or to capture the

consumers’ information on behalf of the Debt Counsellor.

In addition, some Debt Counsellors expect the PDA to miraculously

rectify the DC’s mistake, which can be a little unrealistic. We

do urgently see to these matters, but it can take a little while to

complete. We appreciate the Debt Counsellors’ patience while we

address such issues.

If a consumer changes their banking details or email address without

informing their DC, the PDA cannot be held responsible. Debt

Counsellors should make a real effort to stay in touch with clients and

encourage them to update the PDA and their own Debt Counsellor

with their new details, this is very important.

For more information about CollectNet PDA head over to

www.collectnetpda.co.za

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

DEBT REVIEW

LESSON #3

If behind on car payments: Use your

phone to record any collections agent who

approaches you. Send them away!



Debt Counselling Practice, Debtor Wellness, is looking to

bring on board additional Debt Counsellors and qualified

administration staff (who would work under the direct

supervision of NCR registered Debt Counsellors) to work

with the team.

Debt Counsellors:

DEBT COUNSELLOR – DC MANAGEMENT

The DC needs an excellent understanding of the entire Debt Review

process and the various duties performed throughout TCDW as well

as the compilation of a Debt Review Court Application and the

processes followed at the National Consumer Tribunal ("NCT") and

the Magistrate's Court.

DEBT COUNSELLOR – CLIENT CARE

The DC must know and understand all Debt Counsellor tasks as set

out in the NCA and task team agreement, work closely with clients.

Branch: Victoria Gate

Please submit your application to hr@tcdw.co.za and note

that contact will be made with shortlisted candidates only.

Administrative Staff:

Admin staff will work under direct supervision of a NCR

registered Debt Counsellor and perform only admin functions.

DATA CAPTURE - NEW BUSINESS

File and control all incoming mail under the applicable client and

forward mail to the correct area. Work closely with the relevant Debt

Counsellor to capture and/or check incoming certificate of Balances

(COB’s), data capture on the Maximus Debt Counselling system.

FINANCIAL WELLNESS PROFESSIONAL – NEW BUSINESS

An extensive knowledge in financial wellness is essential.

MANAGER: CLIENT CARE

Manage and coordinate inward queries received from credit providers,

credit bureaus, the regulator, consumers and PDA’s.

DEBICHECK CLERK – CLIENT CARE

Process all DebiCheck transactions and contact clients where necessary

for them to authenticate the DebiCheck request received from their bank.

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

NORTH WEST

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and advice to help you reduce and

clear your debts.

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enquiries@ctrldebtdelete.co.za

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Debt Counsellors

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Credit Matters


Debt Counsellors

NCRDC533



Cape Town

Tel: 086 111 6197

Fax: 021 425 6292



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021 204 4711

068 279 5951

info@debteezy.co.za

www.debteezy.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

ONE Insurance Underwriting Managers (Pty) Ltd

Reg No. 1996/008987/07.

Authorised Financial Services Provider FSP8783

VAT No. 4370160501

Products underwritten by Old Mutual Alternative Risk Transfer

Limited, a licensed Life Insurer.

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



Cape Town

Tel: 021 202 1111, f: 021 425 0875

Email: roger@rmbrown.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

012 004 2888

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

DEBT REVIEW

NIMBLE GROUP

CONTACT DETAILS

January 2022

Dear Debt

Counsellors,

RE: THE NIMBLE GROUP DEBT REVIEW CONTACT

DETAILS AND ESCALATION PROCESS.

This letter serves to communicate to the Credit

industry to use the following contact details for the

Nimble Group when processing Debt Review related

applications, enquiries, queries and, complaints

escalation process.

Kindly take note Nimble Group hereby consents to

service all legal documents applicable to Debt review

herein by way of email.

Email & Task Type

Forms 17.1 and 17.7

Forms 17.2, Proposal Summaries, Cascade plans & Court orders

Forms 17.2 Rejection, 17.W & Form 19

Forms 17.3, General queries, settlements, balance, refunds, statements, Paid

up letter request & reckless lending allegations, payment allocation queries

& Complaints

Contact Details

drcob@nimblegroup.co.za

drproposal@nimblegroup.co.za

drtermintation@nimblegroup.co.za

drqueries@nimblegroup.co.za

DEBT REVIEW INBOUND CONTACT NUMBERS:

+27 87 250 5533

+27 21 8300 711

DEBT REVIEW ENQUIRIES ESCALATION MANAGEMENT ORDER

CONTACT DETAILS

Kindly note that escalations must only be done once you have sent your

request to the above-mentioned contact email addresses and if your requests

are out of SLA in lieu Debt Review forms response business days stipulated

in the NCR Act.

Kind Regards,

Denvor Rank

Operations Manager: Process Recoveries

1st line escalation

Aletta Tokollo Molelekeng

Debt Review: Team Manager

D: +27 11 285 7247

E: AlettaM@normanbissett.co.za

2nd line escalation

Denvor Rank

Operations Manager: Process Recoveries

O: +27 21 830 0750 (Ext. 6062)

E: denvorr@nimblegroup.co.za

3rd Line escalation

Zivia Koff

Specialised Process Manager

D: +27 21 492 4554

E: ziviak@nimblegroup.co.za

We trust this communication finds you well and that it

will improve our service to you.

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

Email addresses that will be terminated effective 1 November

Ÿ DRCOB@absa.co.za

Ÿ DRProposals@absa.co.za

Ÿ 17.4@absa.co.za

Ÿ Courtapp@absa.co.za

Ÿ DCClearanceCertificate@absa.co.za

Ÿ DCTransfer@absa.co.za

The email address that should be used from 1 November 202

Ÿ ABSADebtReviewDocuments@absa.africa

0861 005 901 ABSADebtReviewDoc

Authorised Financial Services Provider and a registered credit provider (NCRCP7)

Absa idirect’s FSP 34766

Absa Insurance Company’s FSP 8030

2021, are:

1 for all process-related documents, is:

uments@absa.africa

debtreviewqueries@absa.co.za

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

Debtfree Magazine issue 1 of 2022

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