Debtfree Magazine Issue 9 of 2022

WHO REALLY

OWNS

YOUR CREDIT

DEBT

REVIEW

AWARDS

IS COMING

REPORT

Issue 09 of 2022

EXCELLENCE IS DOING

ORDINARY THINGS

EXTRAORDINARILY

WELL

– John W. Gardner

WHAT MAKES US

EXCELLENT?

/ Unimpaired and automated PDA systems

/ Integration with top-ranked Debt Counsellor systems

/ Best customer support in the country – queries are resolved within 24 hours

/ Strong compliance and best-industry-practice implementation is at our centre

Call Saishen Krishnan

Head of Hyphen PDA | 071 884 7300

Or call our friendly support centre on 011 303 0060 - Option 2

or visit our website www.hyphenpda.co.za

CREDIT PROTECTION

CREDIT PROTECTION

Have you applied to go under debt review? Are you restructuring your monthly expenses? Would you like to insure your debt?

Why not insure all your outstanding accounts in a single ONE Credit Protection Policy?

Have you applied to go under debt review? Are you restructuring your monthly expenses? Would you like to insure your debt?

BENEFITS OFFERED:

• Death – we settle the account

Why not insure all your outstanding accounts in a single ONE Credit Protection Policy?

• Temporary Disability – we pay your installment for 12 months

• Permanent Disability – we settle the account

BENEFITS • OFFERED:

Critical Illness – we pay your installments for 3 months

• Death •– Retrenchment we settle the – account we pay your installments for 12 months

• Temporary Disability – we pay your installment for 12 months

• Permanent At a rate of Disability R2.95 per R1000 – we settle unsecured/short-term the account credit and R2.00 per R1000 on mortgages and you can now insure your debt

for less.

• Critical Illness – we pay your installments for 3 months

• Retrenchment – we pay your installments for 12 months

The following financial obligations or debt can be covered on the ONE Credit Protection Policy:

• Credit Cards

At a rate of • R2.95 Overdrafts per R1000 unsecured/short-term credit and R2.00 per R1000 on mortgages and you can now insure your debt

for less. • Personal Loans

• Home Loans

The following • Retail financial Accounts obligations or debt can be covered on the ONE Credit Protection Policy:

• Rental Agreement

• Credit Cards

• Maintenance Orders

• Overdrafts

• Personal

For further

Loans

information please speak to your Broker, Debt Counsellor or alternatively contact your regional ONE office.

• Home Loans

• Retail 0861 Accounts 266 562

• Rental admin.debt@one.za.com

Agreement

• Maintenance Orders

Terms and Conditions Apply

For further information please speak to your Broker, Debt Counsellor or alternatively contact your regional ONE office.

0861 266 562

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Authorised Financial Services Provider FSP8783 VAT No. 4370160501

Products underwritten by Old Mutual Alternative Risk Transfer Limited, a licensed Life Insurer.

FROM THE EDITOR

Awards. Everyone loves recognition for all their hard

work. It’s nice when somebody says “well done”. Who

wouldn’t enjoy receiving an award?

Recently, the world got to enjoy the 74th Emmy Awards when actors

and directors like Lee Jung-jae (the Squid Games guy) and Michael

Keaton (batman who recently played a drugged up small town

doctor) received awards for their roles in popular TV shows. It great

to find out who gets an award, and see if you agree that the industry

chose the right winner (or moan when they choose the wrong one).

While those ceremonies are going on, a different nation morns the

loss of their Queen, other nations are blowing each other up in the

Ukraine, and people are trying to keep their heads above water in

Pakistan. The world is weird like that. But disasters and tragedy should

not prevent us from recognising a job well done and effort well spent.

So, in the midst of a challenging world still reeling from a Pandemic

and energy crisis, we will be having the 9th Annual Debt Review

Awards at the end of this month.

Debt Counsellors and credit provider staff members who work hard at

the various debt review departments, also deserve a little recognition.

As do those who are making the effort to pay off their debts each

month. In this issue, we will get a better idea of when, where and how

you can watch the Debt Review Awards and what to expect. We really

do hope that you are able to join online.

We also discuss some facts about credit and debt review that you

may not have known before. We take a little while to get to know key

industry role players better, and pick up a few tips for success along

the way.

If you are a consumer pushing through the challenges of just making

ends meet these days while trying to keep your head above water,

and pay off your debts through debt review then, you are the star of

your own movie. You are the lead character, we are all rooting for

you, we hope that you win and we salute you for all your hard work in

sticking with the process.

Sure, famous actors and smart TV shows are pretty cool and all that

but, you are the real winners. You deserve an award, in reality of

course, you are going to be rewarded if you stick with the process.

Not long now and you will be debt free.

NCRDC1142

South Africa’s

Leading Debt

Solutions Provider

Wessel Symington

Steyn Coetzee

Attorneys

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

acceptances on their initial proposals to credit providers, right away. They

also make excellent use of the DCRS proposal system in negotiations

with credit providers.

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

certificates and are soon able to start their debt free life.

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

review process.’’

087 701 9665 | help@zerodebt.co.za | www.zerodebt.co.za

DEBT REVIEW

LESSON #1

When starting debt review it is very

important to cancel your existing debit

orders towards all other debt repayments.

Since you will now make payments towards

your debt through a single consolidated

repayment via a PDA, you do not want to

be double debited.

Be sure to discuss how to cancel such

debit orders with your Debt Counsellor.

They may ask you to help or ask you to

sign special forms to send to your

credit providers.

PROFESSIONAL DEBT

COUNSELLING ATTORNEYS

Assisting With Debt Review Matters Nationwide

WESSEL SYMINGTON TEL: 021 872 1968

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

No more debt-stress.

Let’s get it sorted.

We’ll get your interest rates right down. You’ll

make one consolidated payment a month. You’ll

have more cash to live on. Your assets will be

legally protected. Sorted.

0861 365 910

www.debtbusters.co.za

info@debtbusters.co.za

NCRDC2484

CONTENTS

WHO REALLY OWNS

YOUR CREDIT REPORT

DOLLAR

VS RAND

THE TOP 50 DEBT

COUNSELLORS

ANNOUNCED

HABIT

STACKING

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.

CONSUMER FRIEND

USES

SOFTWARE TO ENSURE

POPIA COMPLIANCE!

- Secure system-to-system data transfer (no human contact)

- Elimination of data exposure from the use of email

- Data specification is fit for purpose

POPIA COMPLIANCE

IS CRUCIAL!

WHO REALLY

OWNS

YOUR CREDIT

REPORT

WHO REALLY OWNS YOUR CREDIT REPORT?

WE KNOW WHO

YOU ARE...

When you apply for credit, one of

the things that a credit provider has

to do is check your existing financial

situation and your overall debt

situation. They do this speedily by

drawing a credit report.

There are many credit bureaus that store

information about you and the credit provider

will have their preferred supplier (or two).

The credit report has a lot of information

about you including details on how you have

been paying your various credit accounts and

how much you owe each one of them.

Something else that is available is your credit

score. This is a quick rating on how well you

use credit as represented by a number or

score. The higher the number the better

the score.


THE MAGIC THEY DO

WITH NUMBERS

Credit Bureaus calculate your credit

score based on the following:

• Your debt repayment history (missing

payments is bad);

• Amounts owed;

• Types of credit applied for and

how often;

• How long your accounts have

been open;

• How much of your available credit

you’re using (are you maxed out?);

• Whether there is any history of you not

honouring a debt obligation that resulted

in bankruptcy or a judgment against you.

Ironically, if you never use credit then your

score is lower and credit providers find it hard

to figure out if you are a good payer or not.

This is often why people will advise you to

have “some credit” so that you can build up a

reliable credit history and repayment pattern.


WHOSE INFORMATION

IS IT ANYWAY?

You may wonder, if this information

is all about me who owns the

information? Is it mine? No.

While you are the ‘subject’ of the information

you are not the owner of the information. In

fact, credit providers (and others) are able to

buy access to this information that the credit

bureaus have stored about you.

Since the information is about you,

Government has insisted that you should be

able to get this information and check that

it is correct. It’s not uncommon for there

to be some small errors in such reports.

Credit providers sometimes submit incorrect

information by mistake.

Also, access to such reports may reveal that

someone else is pretending to be you and

opening up credit accounts using your details.

This type of identity theft fraud is on the rise.

So, it is good to check your information at the

various credit bureaus.


FREE

CREDIT

REPORTS

Government requires that credit

bureaus give you free access at least

once a year.

You can check the various credit bureaus’

websites for how to get free access. If offered

the choice between a free credit score or a

free credit report, the report is always best

as it contains a lot of information about the

different debts you have (and other things like

if you are under debt review or have a recent

judgement against your name).

Many debt counselling practices will also give

you a free report if you contact them and ask.


THAT’S

NOT RIGHT!

If you see something you disagree

with on your credit report then

you can submit a complaint to the

relevant credit bureau using the

forms provided for download on the

credit bureaus’ websites.

It normally takes about 3 weeks for such a

query to be resolved and traditionally most are

resolved in the favour of the consumer.

If you are under debt review then you will

have what is known as a “debt review flag”

or listing shown on your report (until you

finish up debt review and get a clearance

certificate).

This temporary listing helps speed things up

when credit providers check your report and

score as they then know you are paying off

debt and not meant to access more debt

during this time.


KNOW

THY SELF

If you are thinking of accessing

credit then knowing your credit

score and checking that your

credit report contains accurate

information about you is worth the

time (and perhaps expense).

For more information about the various credit

bureaus in South Africa check out the Service

Directory Section later in this issue. There are

more than you think.

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

review.

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

with no risk to your assets then be sure to download and read this

free booklet

DOWNLOAD AND SHARE

DOLLAR

USD

VS

$

RAND

ZAR

R

DOLLAR VS RAND

WHY SHOULD YOU

CARE?

We often see news reports and

stock market people talking about

the Rand vs Dollar exchange rate.

We never use Dollars here so why

should we care what the exchange

rate is?

When SA buys oil, we do so in Dollars. This is

true of many products that are imported. This

means that when the Rand gets weaker vs the

Dollar, it pushes up how much we have to pay

locally for such products.

This is why it is worth knowing what is

happening when we compare the relative

value of the 2 currencies, even though we

never use Dollars when we go shopping.

At the moment* the rate is:

R17.75 for 1 US Dollar

* Mid Sept 2022. The rate changes daily. You can google the

current rate: Go to google.co.za and type in: USD to ZAR

DOLLAR VS RAND

WHAT DOES THAT

MEAN?

This means that if you want to get

your hands on $1 you have to pay

R17.75 (plus whatever mark up and

fees the exchange charges).

For the majority of the past 5 years, the Rand

has been under R15/Dollar but recently you

will have felt the impact of the higher rate as

petrol prices (and thus transport prices and

the price of goods at shops) have gone up.

In the last 30 days the Rand has lost about

75c/Dollar. This means that even when global

petrol prices fall (which is great) we get

disappointed that the price of local fuel does

not drop as much as we would expect.

This is just one reason why it is useful to check

what the Rand Vs Dollar rate is.

DEBT REVIEW

LESSON #2

DCASA Conference

If a credit provider debits your bank

account after you have already started to

make payments to them, via debt review,

you should talk to your Debt Counsellor

immediately. They can try to get the money

returned to your account, but it will

take a few days.

Remember that if this happens, the credit

provider is most often at fault, not your

Debt Counsellor.

The Debt Counsellor will assist you.

HABIT

STACKING

THE ART OF ADDING

NEW GOOD HABITS

TO EXISTING ONES

HABIT STACKING

HOW TO PICK UP

GOOD

HABITS

If you struggle to implement new

‘good habits’ then you are not alone,

trying to pick up and maintain new

good habits is tough!

Repetition is key to developing new habits,

we can easily start a new good habit, skip it

a few times and then loose motivation and

momentum to keep it up.

How can we trick ourselves into keeping up

new positive habits?

HABIT STACKING

PUT IT ON

TOP

One tip is to piggy-back the new

habit onto an existing, already

ingrained one.

For example, you probably have the habit of

brushing your teeth before heading off to bed

at night. So, if your want to get into the habit

of taking a pill in the evening, putting the pill

bottle next to your toothbrush can be a great

way to add the new habit to an existing one.

If you go for a walk each day, but want to add

some stretching into your physical fitness

routine, then why not take a break half way

through your walk (or right after your walk) to

include a few minutes of stretching.

If you always check out your debt review

statement from your PDA immediately after

you receive it, then that might be a good time

to log into your banking app, and move your

small savings contribution into that savings

pocket each month.

If you enjoy having a special meal once a

month with the family (Pizza night or Sunday

lunch anyone?) then that is a good time to

include a short discussion about how your

budget and debt review are going. The new

but admittedly tough habit can get added to

the existing good time. This will help trick your

brain into associating the new habit with the

existing one.

Do you always spend time on Instagram in

bed before going to sleep? Why not add in

a few minutes of reading before you get too

tired?

You get the idea. Find times in your daily,

weekly or monthly routine when you regularly

repeat something and then tack the new

habit onto that existing routine. This will

make it much easier to be consistent and stay

motivated.

Why not try habit stacking in your life, and see

if it makes picking up a new good habit any

easier?

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clients’ debt recovery journey. And, don't forget about the ‘insurance load’ taken off your company's shoulders

going forward.

CreditGuard Credit Life Insurance (CLI) has taken care of Debt Review consumers' payment needs since 2016.

It’s administrated by Siyavika Risk Solutions (an authorised financial service provider – FSP no. 44999) and

underwritten by Guardrisk Life Limited (1999/013922/05) – a licensed life insurer and an official financial

service provider (FSP no.76).

Looking for specific core values is crucial in today's competitive market before partnering with a Credit Life

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Here at CreditGuard, our focus revolves around trusted, considerate client care service & quality products,

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CreditGuard offers:

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• Solid understanding of your client's needs rather than just a 'commercial agreement'.

Our industry and brokerage experts know that life can take unexpected turns, even under Debt Review.

With this, our promise is to take care of your Debt Review clients and their debt repayment responsibilities

when their lives have changed in such a way that they aren’t able to.

CreditGuard’s comprehensive Credit Life Insurance policy/product allows you to switch from current CLI

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It’s time to get going and partner with the qualified Credit Life Insurance

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Contact the CreditGuard team today to get you sorted and your clients covered.

THE TOP

DEBT COUNSELLORS

ANNOUNCED

Each year as we get closer to the day of the Debt

Review Awards the Peer Review Audit Team release the

names of the Top 10 Debt Counsellors as reviewed by

the credit provider Peer Reviews.

The Top 10 in 5 different size categories have been announced. Among

these Top 10 are the Top 5 and Highest rated practice* and the people

who will ultimately walk home with the 5 Golden Piggy Banks for Debt

Counsellors in 2022.

The Top 5 and highest rated practice will be announced live during the

Debt Review Award Show (be sure to read the article all about how

you can watch the show live in this issue). The Awards Show will be live

streamed between 3pm and 4pm on Friday 30th September.

* Debt Counsellors register with the NCR on a personal or individual basis unlike credit providers,

credit bureaus or PDAs. Though they may work together in an office under a united brand and

may have support staff, these support staff are not allowed to perform the functions of an NCR

registered Debt Counsellor. Each Debt Counsellor has an NCR issued Certificate which should

be shared with consumers when they are contacted. Traditionally, these are displayed in the

Debt Counsellors office for all to see. These can however be displayed on websites or emailed to

consumers these days. It is important for consumers to deal with and know their Debt Counsellor

well during their debt review.

TOP 10

BOUTIQUE

DEBT COUNSELLORS

Many Debt Counsellors operate on their own or with a small staff to

offer highly personalised service to a very select number of clients. In

alphabitcal order here are the TOP 10 Boutique Debt Counsellors:

Alsinah Chuene Mashiloane | Mashiloane Debt Counselling Services

Angela Marcell Crowder | Refine Debt Solutions

Catharina Elizabeth Webster | Debt Relieve

Johan Wepener | Johan Wepener Debt Counsellor

Lee Lombard | Garden Route Debt Counsellors

Marius Arnould Neethling | Ulwembu Debt Counsellors

Olivia Mocke | DebtCrew

Olwen Jacobs | Newlo Debt Counsellors

Petra Swanepoel | Streamline Debt Counselling

Sibongile Fihla | Credit Clear Remedy

Debt Counselling / Debt Review Completion

Debt Review Clearance Certificates

We pledge to deliver the utmost in client service

and act with the highest standards of integrity.

Visit our social networks for more information.

Contact us to if you are ready to enter or finish debt review

the proper way.

info@ndrc.org.za www.ndrc.org.za

NCR Registration No: NCRDC3106

TOP 10

SMALL DEBT

COUNSELLING

PRACTICES

These Debt Counsellors have small admin team that help them assist

more clients and often assist clients from a larger area than just their

home town or city. They strive to offer the best service and continue

to grow to assist more clients. In alphabitcal order here are the TOP

10 Small Debt Counselling Practices:

Anthony Mac Minn | 2nd Chance Debt Counsellors

Corrie Gouws | Mabcor

Gaynor De Kock | Debt Smart SA

Jacobus Stephanus de Vos | Complete Debt Counselling

Leandie Carina Brink | Gauteng Debt Counselling

Mark James Fulton | Consumer Relief

Shaun Zeelie | Master Your Money

Shimone Beckett | AC Debt Counsellors

Thomas Chauke | TP Debt Solutions

Wendy Angela Kaalsen | DS Administrators

TOP 10

MEDIUM DEBT

COUNSELLING

PRACTICES

These long established Debt Counselling Practices may have a few

Debt Counsellors who now pool their resources and experience to

assist a large number of clients across the country. The ability to help

hundreds of clients at the same time requires excellent organisation

and administrative processes. In alphabitcal order here are the TOP 10

Medium Debt Counselling Practices:

Annienne Nel | Consumer Debt Support

Anton Meiring | Debt Fresh

Awie Coetzee | SA Debt Help

Bernice Koekemoer | The Debt Experts

Cornel Strydom | Debt Review Centre

Eugene Cilliers | Pay Plan Solutions

Gerhard Stoltz | Gerhard Stoltz Debt Counsellors

Marius Coetzee | DRS

Nadia De Weerdt | Sandton Debt Counselling

Tania Dekker | Debt Free with Armani

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

CollectNet

collect / review / disburse

Welcome to our world of

efciency

and

automation

Why choose us?

New generation technology

Fully automated and integrated

Dedicated support for DC business growth

Knowledgeable staff with extended support hours

Tel: +27 12 140 0602 | Email: info@collectnetpda.co.za | Web: www.collectnetpda.co.za

TOP 10

LARGE DEBT

COUNSELLING

PRACTICES

Large Debt Counselling practices are able to assist many hundreds

or even thousands of clients at the same time by having many Debt

Counsellors working within the practice. Each Debt Counsellor

has access to a pool of admin support staff and brand resources.

Commonly these practices are operating across the country and

may have several branches where they are able to assist consumers

face to face if they wish (which is admittedly less popular these days

due to the pandemic and advances in technology combined with

consumer’s desire for convenience and privacy). In alphabitcal order

here are the TOP 10 Large Debt Counselling Practices:

Consumer Wise

Credit Matters

DCGsa

Debt Care

Debt Therapy

DebtLine

FDC (Freedom Debt Counsellors)

Meerkat

Summit Financial Partners

Vantage Debt Management

TOP 10

NATIONAL DEBT

COUNSELLING

PRACTICES

Some Debt Counsellors have progressively grown their debt review

practice over many, many years and been able to help many

thousands of clients. National debt counselling practices often have

dozens of NCR registered Debt Counsellors working together and

making use of the most advanced systems to care for hundreds of

new clients each month. They are well known and go to a lot of effort

to let consumers know about the debt review process. In alphabitcal

order here are the TOP 10 National Debt Counselling Practices:

CDC Experts

Debt Rescue

DebtBusters

Debtco Group

DebtSafe

NDA (National Debt Advisors)

NDC (National Debt Counsellors)

Octogen

Pioneer Debt Solutions

Zero Debt

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

WELL DONE TO THE TOP

DEBT COUNSELLORS

Congratulations to all these Debt Counsellors for

being recognised in this year’s Debt Review Awards by

their credit provider peers. There are over 1700 NCR

registered and hardworking Debt Counsellors in the

industry. To receive such high ratings among such

good company is no small feat. Well Done!

To find out which practices received the Top 5 and Highest ratings

be sure to catch the Debt Review Awards Show on 30th September

2022. Find out more here: wwww.debtreviewawards.co.za

DEBT REVIEW

LESSON #3

If you are able to make a slightly larger

than planned payment towards your debt

each month, this can help speed up your

debt review (and can even save you lots in

interest over time).

Chat to your Debt Counsellor if it seems

this is something you can realistically and

consistently manage each month, while

still saving towards annual expenses and

an emergency fund.

South Africa’s

leading Debt Counsellors

since 2007

Just got out

of debt!

Call our national call centre on 086 111 6197

www.creditmatters.co.za

NCRDC19

As human beings, we have to continuously step out of our comfort

zones in order to grow and become better than we were yesterday.

The same holds

true for a business, which must evolve and grow in order to better

serve its customers.

This is our story:

IPDA DISTRIBUTIONS

iPDA formerly known as NPDA was registered in 2007 and became

industry leaders. Like any other business, the company tested

various products and systems, kept what worked and enhanced

what didn’t.

In 2020 the iPDA was launched. With 15 years of industry

experience and built with Debt Counsellors in mind, the iPDA

delivers superior collections, distributions, and reporting

capabilities. We offer a range of benefits and controls that make

the way our Debt Counsellors serve their clients faster, cheaper

and more intuitive.

We are happy to be among the first pioneers to operate completely

remotely as we are accustomed to setting trends. For the past

two years, our team has been operating fully remotely. We are

immensely proud of the resilience, flexibility, and professionalism

of our employees, who have stayed focused on service delivery

and getting things done.

The iPDA Company strongly believes in its values:

• Intuitive PDA stands firm in our company values ensuring that

we:

Act Like An Owner: to be the best, expect the best and invest

ourselves;

• Be a Proactive Innovator: having inquisitive minds that invent

the future and embrace change;

• We Fall Forward: yet still we rise;

• We Foster Integrity: and do the right thing, even when no one

is watching.

Our goal is to make a formidable impact and lead the Debt Review

Industry by fostering relationships that are mutually beneficial and

creating cutting-edge, long-lasting solutions for all stakeholders.

...and this is our story. We would love to hear your story!

Contact us on via email to info@intuitive.co.za

Visit our website: https://www.ipda.co.za/

See you at the Annual Debt Review Awards 2022

ARE YOU READY

FOR THE

WWW.DEBTREVIEWAWARDS.CO.ZA

The 2022 Annual Debt Review

Awards show will be held on the 30th

September, Friday afternoon.

During the live stream of the Awards

Show, the results of industry peer

reviews will be announced and

hardworking Debt Counsellors, PDAs

and credit providers recognised.

WHAT ARE THE

DEBT REVIEW

AWARDS

Over the last 9 years, hard work and excellence in the

field of debt review has been recognised through the

annual Debt Review Awards.

There are plenty of hard working individuals, and entire departments,

who help consumers through their debt review journey. The Awards

are a way for the industry to show appreciation for all that hard

work.

Each year Golden Piggy Banks are awarded to these hard working

people, credit providers and DC practices. The Awards combine a

pat on the back and bragging rights for those who are putting their

heart and soul into making the industry better for consumers.

OUR AMAZING

SPONSORS &

SUPPORTERS

The organisers want to say a big thank you to the

various sponsors and supporters of the Awards

process. These brands and individuals help make the

process possible each year.

The Awards also partners with two brands for some unique Awards

each year. The Technology Adoption Award is organised along with

the assistance of Slipstream Software Solutions (the brains behind

DReX and Switch).

ONE are well known for their broad range of insurance offerings, and

their specialist offerings, in the debt review space. They help organise

two Awards recognising the hard work of individuals who work

within the industry. The Significant Contribution to the Debt Review

Industry and Significant Contribution to the Debt Review Process

are covetted awards that have been awarded to some of the hardest

working individuals in the industry over the years.

Partners like the various Debt Counsellors associations (DCASA,

NDCA, AllProDC, IDCC, BDCF) and others like MFSA, BASA members

and the PDAs such as Hyphen PDA, have helped spread the word and

ensured that registrants get a chance to participate.

The industry owes these brands a big thank you for their help in

making the Awards possible.

HOW ARE THE

RESULTS

DETERMINED

Many years ago, a panel of industry experts were asked

to help evaluate the top-performing candidates. The

workload soon grew exponentially, as the industry

expanded. For example, at present, there are over 1700

active registered Debt Counsellors on the National

Credit Regulator’s database.

It would not be easy for a small group to perform that many reviews.

Instead, for many years now, through the use of online software, the

results are essentially crowdsourced from across the industry.

Each year NCR Registrants have opportunities to review their NCR

registered peers working on the opposite side of the industry. This

is how companies and individuals get reviewed by hundreds of

participants each year. The results are processed and audited to reveal

who the highest rated across the industry is, in various categories.

For example, NCR registered Debt Counsellors get to weigh in about

credit providers who specialise in bonds and vehicles or retail or

short-term finance. NCR registered Credit providers get to review the

various NCR registered Payment Distribution Agents (PDAs) and the

Debt Counsellors they work with each day.

THE 2022

DEBT REVIEW

AWARDS SHOW

The Awards have been held for many years now and

traditionally only those who were nominees were

able to attend in person, to find out the results (due to

space and cost limitations). However, the organisers

have always wanted to include as many people as

possible, so with the increased ease of access to

broadcasting software and online platforms like

YouTube, we have achieved this.

For the past few years, online viewers have been able to join in the

fun and hear the results (live for the last 2 years). This year, people

across the internet will be able to watch the Awards show (and preshow

warm-up) live.

The Pre-Show

The Debt Review Awards Show | Pre Show will be streamed from 12

noon till 2:30 pm. It will feature interviews and discussions about the

insurance side of the industry, as well as its impact on consumers.

We will also be hearing from legal experts about various cases and

challenges they face. Some who work in the industry may even get to

see themselves on screen (IYKYK).

The Awards Show

The Awards show begins at 3 pm and runs for an hour. During

the show, we will hear one or two short speeches, watch a minidocumentary

about the debt review industry and find out about some

consumers who are having some of their debts written off.

The special category Awards will be announced during the first half

of the show.

We will then hear about changes to the peer review process this year,

and planned ones for next year before the results of the various peer

reviews are announced.

The program is designed to be shorter and faster this year. Overall

there will be less focus on live streaming the entertainment portion

of the event, and more focus on getting to the results. This should

allow more offices, across the country, to enjoy watching the results

together on a rather busy day of the month. An hour right near the

end of the work day is manageable for most offices.

There will be other activities before and after the live-streamed

Show for those nominees who were invited to attend in person, but

these will not be on stream. The focus of the live stream will be the

announcement of the Top 5 and highest rated.

HOW TO WATCH THE

AWARDS SHOW

If you would like to watch the Pre Show or the Awards

Show, you can do so on your phone, tablet, laptop,

Computer and some Smart TVs.

You have several options on how to access the information.

Visit www.debtreviewawards.co.za

You will be able to watch via the website.

Visit www.debtfreedigi.co.za

You will be able to watch via the website.

Watch on YouTube

On the day, you will be able to type: Debt Review Awards or Debt Review

Awards 2022 into the search and you will find the show or you can already

go over to the page where it will be streamed HERE and subscribe for

notifications so long. As always, there is no costs to watch (other than your

own data costs).

Social Media

We will also be posting Results, Pics and links via social media on Facebook,

LinkedIn and Instagram. You can search #debtreviewawards2022 for the

latest results.

NEWS FROM OUR SUPPORTERS

We are also excited that one of our event supporters,

Capital Data,

will be offering some fortunate consumers some

much needed relief.

‘it is part of human dignity to be able to give’

Keeping this in mind, Capital Data is proud to partner with

this year’s Debt Review awards to give back to three

deserving consumers.

Capital Data will consider consumers over the age of 60, who

diligently service their debt via the debt review process, have

not skipped a payment as per the accepted proposal, and are

serious about rehabilitation.

Consumers who meet the criteria, will go into a draw, and

the very deserving winners will be announced at the Awards

ceremony.

Debt Counsellors, get ready, this could be

one of your clients!!

We wish all our members

the best for the Debt Review

Awards.

All our members are invited

to the DC/CP meet up in CT

on the 29th Sept before the

event. Details on Facebook.

facebook.com/groups/allprodc

www.allprodc.org

Debt Counsellors Collective

Our members are able to attend

the DC & CP Meet up, being held

on the 29th Sept, in Cape Town

the day before the Debt Review

Awards. For more info check our

Facebook page.

Email: alanm@moneyclinic.co.za

DCASA REGIONAL MEETINGS

Thanks to everyone who attended

the Annual DCASA Conference.

Upcoming Meetings:

Gauteng - 25 October 2022

Free State - 8 November 2022

W Cape - We will be joining the

DC/CP Meet up 29 Sept 2022

www.dcasa.co.za

NDCA are ready to help

consumers who are

struggling with debt.

Visit our site for more

information

ndca.org.za

JOBS

Looking for

your next

adventure?

Do you have a job you would

like to advertise?

Email us on:

jobs@debtfreedigi.co.za

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?

Ensure your client can get a replacement car

if their vehicle is stolen or written off with the

Meliorleaf Motor Replacement Plan.

CALL US NOW

010 141 2799

Did you know you can add the

Meliorleaf Motor Replacement Plan to

your existing vehicle insurance policy?

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more information.



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info@debteezy.co.za

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WESTERN CAPE

SUPPORT

SERVICES

DC Operaon Centre (PTY)

Services:

17.1, 17.2, Proposals

Court Applicaons

Call Centre

Payment Division

Contact Elmarie

011 394 8042

083 232 1908

admin@dcoperaons.co.za

www.dcoperaons.co.za



Why Us?





more information.



TRAINING

Octavia Hlatshwayo

084 032 7640

octavia@olwazini.co.za

Mpumalanga | Regus Business Centre

Nelspruit

11 Van Der Merwe Street | Mbombela

www.olwazini.co.za

@olwaziniskillsdevelopment

Training Provider Accreditation Number: BANK-Ozswn190123

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

WE OFFER LEGAL SUPPORT TO DEBT

COUNSELLORS WHO HELP OVER-INDEBTED

CONSUMERS TO GET THEIR FINANCES BACK

ON TRACK.

We have obtained granted court orders in more

than 30 Magistrate Courts all over South Africa.

TO MAKE USE OF OUR SERVICES, PLEASE

CONTACT US ON THE

DETAILS BELOW

021 100 4189

www.colynlaw.co.za

info@colynlaw.co.za

163 Uys Krige Drive,

SARU House, Tygerberg

Office Park

Liddles & Associates

“If you do what you’ve always

done, you’ll get what

you’ve always gotten.”

- Tony Robbins

(T) +27 87 138 3275

(E) quintin@liddlesinc.com

www.liddlesinc.com

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

Motherwell;

Uitenhage;

Hankey;

Jeffreys Bay; and

Humansdorp

CONTACT

Jusn an Der Linde

1st Floor Icon House

24 Hans Strijdom Street

Cape Town

8001

079 6977 259

jusndlaorneys.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

082

www.cvlaw.co.za

974 0866

carla@cvlaw.co.za

www.cvlaw.co.za

Accountability Group

wendy@accountability.co.za

CREDIT

BUREAUS

Get your Credit Report Here

For Credit Bureau Services for

Debt Counsellors contact

sumein@vccb.co.za

087 150 3601

087 803 4798

www.vccb.co.za

Bitventure Consulting

compliance@bitventure.co.za

Blue Oak Systems

enquiry@blueoak.co.za

Cession Central

admin@cession.co.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

info@cba.co.za

www.cba.co.za

South African Fraud

Prevention Service NPC

011 867 2234

maigoshians@safps.org.za

www.safps.org.za

Cred-IT-Data Online

Holdings

bureau@creditdata.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



Why Us?





more information.



FINWISE - INNOVATIVE DEBT M

MAXIMUS

Tel: 011 451 0041

Tel: 0860 072 768

Debt Review Software

Tel: 016 004 0031

South Africa’s premier

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•

•

•

•

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‘’ I was pleasantly surprised by our experien

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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.

2021.

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.

CAPITEC BANK CONTACT DETAILS

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.

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

086 066 7783

0861 111 525

For more information about the

escalation process please contact

the call centre

17.1, 17.2, Proposals, General

correspondence:

debtcounselling@africanbank.co.za

To register for Legal Web Access:

lwac@africanbank.co.za

Reckless Lending investigations:

debtcounselling@africanbank.co.za

RLA@africanbank.co.za



the call centre

ESCALATION PROCESS

DETAILS COMING SOON

0860 111 2265

For more information

about the escalation

process please contact

the call centre

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

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

012 674 7949



the call centre

For updated consent to service documentation

please contact the call centre.

Debtfree Magazine Issue 9 of 2022

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