Debtfree Magazine December 2017

South Africa’s debt counselling magazine 

HAVE YOU 

LEARNED 

ANYTHING? 

December 2017 

www.debtfreedigi.co.za

Picture the scene; you are 

enjoying a pleasant evening with 

your friend when they start to tell 

you about how business is tough 

and their debts are mounting. 

They feel stressed because their 

clients don’t have money to spend 

and are buying less. You stand 

there knowing that debt review 

could be the solution they are 

looking for but you feel weird to 

talk about finances. 

After all, as a nation we don’t like to 

reveal that we are having troubles 

ourselves. We love to project an 

appearance of well being. That’s 

half the reason we all get into 

financial trouble: Spending money 

to look good and have the latest 

gadgets we don’t really need in 

order to impress other people. 

So, you ask yourself: has debt 

review made my life better? Have I 

benefitted from the process? Should 

I share my dirty little debt review 

secret with others? 

Think back to when you first started 

the debt review process? How 

stressed were you? How bad was it? 

Think how far you have come in just 

a short time. The process works and 

can help consumers become better 

equipped to handle their finances. 

Or does it? 

We discuss the aspect of consumer 

education while under debt review 

in this issue. We ask if your Debt 

Counsellor has been training you, 

equipping you for future financial 

success. Have you actually learned 

anything while under debt review? 

We also talk about 2017 as we 

look back at some stand out events 

locally and internationally. We 

can’t cover them all but we have 

chosen some events which have 

shaped the country and industry this 

year - Including the NCR’s annual 

conference, which we review.

The truth is that debt review has 

helped more people this year than 

ever before. The number of new 

applications remains high and 

more and more consumers are able 

to get their clearance certificates 

saying they no longer have debt or 

are over indebted. Debt review is 

helping hundreds of thousands of 

consumers to get out of debt or at 

least get a handle on their debt. 

FROM 

THE 

E 

D 

IT 

O 

RSDESK 

With over 1 200 000 views during 

2017 of our various issues of this 

magazine, we are happy that we are 

helping spread the news about debt 

review and how it can help people. 

If you are under debt review then 

why not recommend it to others? 

You probably don’t realize it but your 

friends are taking strain. They need 

help and you may hold the key to 

them taking back control. Don’t get 

swept up in the December holidays 

gift madness and ignore the big 

picture. Why not share the love this 

year and help others get debt free?

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HAVE YOU LEARNED 

ANYTHING? 

C 

O 

NTENTS 

REVIEW OF 

2017 

DEBT 

COUNSELLOR 

PROFILE 

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.

HAVE YOU 

LEARNED 

ANYTHING? 

For most consumers, the debt review process is a 

temporary solution to a temporary financially 

stressed situation. Many people enter the 

process and after as little as 3 years are able 

to leave the process as their situation changes 

for the better (or they fall into old habits and 

miss a payment, ending the protection of the 

debt review process). The question is: do they 

leave the process better equipped to handle 

their finances in the future?

“ ” 

Do zey leave ze process better 

equipped to handle zeir finances 

in ze future?

HAVE YOU LEARNED ANYTHING? 

Getting help from a NCR registered, professional Debt Counsellor is vital 

in solving complicated debt problems. Most consumers who enter debt 

review will tell you that getting the protection of the National Credit Act is 

a great relief, after months of having been harassed by credit providers 

and collections agents. 

The name “Debt Counsellor” however implies that you will be counseled 

on your debt habits. Much like any sort of addiction, (over)spending on 

credit can be a very hard habit to break. The switch to a cash lifestyle 

is beneficial but can be very tough. Debt review is not easy and your 

Debt Counsellor can either help you through the transition or leave you to 

muddle through on your own. How they treat you can make or break your 

chances of success.

consumer their court order. 


FOCUS ON THE 

COURT ORDER 

Most Debt Counsellors tend to focus on helping consumers get a debt 

restructuring court order. 

This has become the case, due to the unnecessary push back by credit 

providers desperate for every last drop of cash they can get every month 

from consumers to appease their accountants. This greedy focus on bean 

counting has drastically hurt the process. Other forms of collection have 

much greater scope for allowances and leeway than the debt review 

departments of most major credit providers have been given. This has 

lead to some ridiculous situations where credit providers even complain 

when they are paid too much each month. 

Early abuse by credit providers of NCA Section 86(10) where they tried 

to remove consumers from debt review also pushed the need to focus on 

initial dealings with consumers rather than ongoing support and training. 

These habits forced on Debt Counsellors years ago still have affects today 

which lead to almost all the Debt Counsellors energy going into getting a


REDUCED AFTER 

CARE FEES LEAD 

TO REDUCED 

AFTER CARE 

The small amount of money allocated each month toward after 

care fees and the 24 month drop in after care fees allocated to Debt 

Counsellors has reduced after care service to consumers. 

This shouldn’t come as a surprise. People tend to focus on profitable aspects 

of any job. The NCR have recently been thinking of further reducing after 

care income to Debt Counsellors which will naturally lead to even less 

after care for consumers. This does not bode well for the process.


LACK OF 

CONSUMER 

EDUCATION 

Ironically, one of the things the NCR would like to see is, consumers 

being educated about debt and how credit works. 

Interestingly however, the concept of consumer education or even 

counselling does not exist in the section of the NCA about debt review. 

Debt Counsellors have no legal obligation to educate their clients. Rather 

the Act only discusses the role of the National Credit Regulator in educating 

consumers. This falls squarely on their shoulders. 

The NCR recently announced that over the last 10 years they have managed 

to engage and do some form of education with 400 000 consumers out of 

the 9 million plus consumers who are many months behind on repaying 

their credit and out of the over 20 million credit users. Perhaps the name 

Debt Counsellor is a slightly misleading one and implies something that 

the professional is not obliged to do.


LACK OF 

EDUCATION 

LEADS TO 

BAD BEHAVIOR 

Debt Counsellors soon find that, due to focusing on other matters, not 

educating their clients and not communicating with them regularly 

leads to consumers falling out the process and failing to benefit from 

debt review.

This means that the Debt Counsellor does a lot of work and sees little 

financial return. For example, lack of communication can lead to a lack 

of trust in the process. Then even one misleading collections call from 

a commission hungry collections agent, from a recognized creditor, can 

lead to consumers not paying their debt review payment. They then have 

to be removed from the process. 

These consumers are then left feeling cheated by a poorly executed debt 

review process which they themselves have broken. They are not likely to 

recommend it to others and may begin to complain about their former 

Debt Counsellor. This is why the best debt counselling firms take time to 

help their clients grow and learn during the process.


ARE YOU 

GETTING 

SMARTER? 

So, ask yourself if you have used the time that you have been under 

debt review to (1) ignore your debt and let someone else take over your 

financial future or (2) have you been getting smarter and learning 

about financial matters? 

Reportedly, SA has one of the lowest financial education standards in the 

entire world. Financial literacy in SA is basically pathetic and as products 

of this, sadly inferior, financial education most of us suffer as a result. Why 

make bad decisions, we sign anything that gets put in front of us and we 

don’t ask enough questions or demand a high level of service.

If you ended up in debt review because you never knew that interest was an 

amount extra you would have to pay over what you borrowed from the bank 

then you are not alone. Millions of South Africans don’t understand interest. 

The question is: do you want to leave debt review after a number of years 

and stumble back into the same old bad habits and traps that tripped you 

up before? If so, you will soon need debt review once again.

Sign Up Now To Use DReX 

http://www.consumerfriend.co.za/drex-registration/


LEARN TO 

BUDGET! 

Most consumers are handed a vague, somewhat generic budget at 

the start of their debt review by their Debt Counsellor, or worse, by 

one of their assistants. 

The figures may not make much sense or even be that realistic (unless they 

really know their stuff). These figures may not be discussed with you at all. 

If this is the last time you did or saw a budget then you need to learn to 

figure out how to do a budget. Can you ask your Debt Counsellor to train 

you?


LEARN TO 

HOLD A FAMILY 

FINANCIAL 

DISCUSSION! 

When beginning debt review many couples are horrified at the debt 

their partners have accumulated without them realizing it. It can 

place a huge strain on a relationship and is one of the causes that 

many people never get help in the first place. 

Have you learned to open up and be honest about spending, debt and 

discussing your financial goals and desires?

A lack of communication about financial matters will quickly send you back 

into serious problems the moment you leave debt review. Are you holding 

a fun family discussion about your finances once a month - chatting about 

the budget that you should be doing? 

If not, then now is the time to try it out. Keep it simple. Serve some nice 

snacks (maybe a fun meal like hotdogs or burgers) and keep things happy 

and light. Maybe do it on the day after you get your PDA statement each 

month. 

Doing this regularly gives everyone the chance to contribute, communicate 

and work together as a team against your debt (not blame each other). It 

creates a safe space to discuss debt and your financial goals.

STUCK 

USING 

ANCIENT 

TECHNOLOGY? 

Contact Maximus on 011 451 0041


LEARN TO 

SAVE! 

You may think that being under debt review means you will not be 

saving anything. This is completely wrong. 

Your Debt Counsellor will have added savings towards annual expenses 

into your monthly budget. They know you have to save towards these 

expenses. It is important that you learn to stick to these savings amounts 

or your debt review will fail within the first year. 

The savings amounts may be small but you need to make sure they are 

regularly set aside. These savings may cover things like: servicing your 

car, new tyres for the car, paying your annual TV license, school clothes 

and books in January. Learn to save and not just spend every last penny 

because it is available.


LEARN TO GET 

EVERYTHING 

IN WRITING! 

If you ever had one of those collections calls where they told you that 

everything would be fine as long as you just paid x… only to have 

another person call you the next week with a different story, you will 

have learnt the need to put things down in writing. 

You may have wished you did it in the past but have you learnt to do so 

now? Do you have all the info about your Debt Counsellor, the debt review 

arrangement and your monthly obligations in writing?

If not, it is time you sorted that out. From now on you should get everything 

in writing. Get into the habit of sending people emails and keeping records 

and backups confirming telephone conversations. It is amazing how a 

credit provider can lose a recording of a conversation they really don’t 

want to find.

We offer back office services to Debt Counsellors including: 

17.1, 17.2, Capturing CoBs, sending your proposals and 

helping handle court or NCT applications. 

Our full call centre and payment division can help you 

reduce your overheads and cut staff expenses. 

Cell: 083 232 1908 | Tel: 086 722 7405 | Email: elmarie@dcoperations.co.za 

www.dcoperations.co.za


LEARN TO 

GET ORGANIZED! 

It is tempting to just let your Debt Counsellor keep records of everything 

and to expect them to always be available to you. But what if they 

are not? 

What if the Debt Counsellor dies or goes out of business? What if their 

office burns down or their computers get fried? 

It is a good habit to become a good record keeper. Not only should you 

keep copies of everything you should learn to categorize and store this 

information in a way that makes it easier to find years later. Don’t delay in 

doing this. Start today.


LEARN TO READ 

EVERYTHING! 

When you owed money and the bank threatened to take away your 

assets you may have been horrified that you signed in your original 

contract that you would pay for them to sue you. 

There were probably a dozen other clauses that you never even noticed as 

you just signed the papers set before you. In debt review it is important to 

get away from this bad habit. If your Debt Counsellor or your attorney asked 

you to sign an affidavit for court, make sure you have read it thoroughly 

and understand it. Get into the habit of asking for clarification. There is no 

benefit to signing anything people shove in front of your nose.

Jothie Bechoo 

ATTORNEYS & DEBT 

COUNSELLOR 

Taking care of all your legal needs 

Specialising in Debt Review Applications 

for Debt Counsellors/Attorneys 

Our offices personally attends to debt 

review applications in the following 

courts: 

Durban 

Pinetown 

Chatsworth 

Verulam 

Ntuzuma 

We aim to have debt review orders 

granted at the first court appearance 

We avoid unnecessary adjournments 

Our fees are reasonable 

We have six years’ experience in Debt 

Review applications 

We assist clients in Rescission of Debt 

Review orders & administration orders 

Suite 7 Gladstone Court 

103 Smiso Nkwanyana [Goble] Road 

Morningside 

Durban 

Tel: 031 303 1004 

Mobile: 076 835 2810 

Email: jbechoo@jb-attorneys.co.za 

Also specializes in: 

Deceased Estates, Wills, Divorces, Ante Nuptial Contracts, Correspondent Attorney, Rescissions


DEBT REVIEW 

IS A TIME FOR 

PERSONAL 

GROWTH 

If you go through the entire debt review process and come out with 

the same level of financial awareness and habits you had before hand 

then you will soon be back calling on your past Debt Counsellor for 

help again.

Make sure you apply your mind to growing as a consumer during the debt 

review process. Take advantage of the time to learn good financial habits 

that will help you for years to come no matter what your financial situation. 

If you have a good Debt Counsellor they will help you even though they 

do not have to and it makes no financial sense to do so. Be sure to ask a 

potential debt counselling firm if they offer any sort of after care and what 

that will be. 

If your Debt Counsellor has not been helping you recently then why not 

make contact and ask for some counselling? Maybe they can review your 

budget with you (the one you have worked on yourself and think is how 

best to spend your available funds). 

Read a book, read Debtfree Magazine, watch the news, follow a blog 

or twitter accounts about finances. Benefit from the advice of others and 

learn to separate the good advice from the silly. Educating yourself is key. 

Learn now, so that you never have to repeat the mistakes of the past.

ROUNDUP

THE YEAR HAS COME AND GONE. 

2017 was a complicated and exciting year for debt review. Thousands of 

Debt Counsellors found their registration had lapsed and their clients were 

moved to other firms. The NCR found out they may have to do debt review 

themselves next year and the NCT launched their online system.

The year was a financially tough one for both governments and companies 

local and international. Even the weather seemed to be ganging up on 

South Africa and the Caribbean. Financially, it was not a great year locally. 

Inflation and ever increasing prices, along with consumers having less 

money to spend, hit retailers and businesses hard. Even SARS wasn’t able 

to collect what was needed. 

Political and business scandals both amused and horrified the country. We 

take a look back at 2017 and look at some of the good, the bad and the 

ugly world events that impacted on the economy and debt review.

JAN 

Lack of clarity over DCRS future 

funding and management 

dominate industry discussions 

Debt Counselling Community 

Support charity (DCCS) gives 

out back to school hampers to 

families across SA 

Donald Trump inaugurated as 

45th President of the USA – let 

the handshakes and lack of wall 

building begin. (ps. You’re Fired!)

FEB 

NCR announce they are looking 

for an actuary to review new 

proposed Debt Counselling Fees 

NCR cancel Workshop very last 

minute leaving travelling Credit 

Providers and DCs stranded and 

angry 

British MPs officially vote to leave 

the EU (Brexit) 

Joost Vd Westhuizen Dies of 

motor neurone disease aged 45

SA’s Favorite Public Voting 

Results announced: 

Boutique Debt Counsellors: 

Debt Mend (Gauteng); 

Debt Finesse (KZN), 

Consumer Debt Support (WC) 

SA’s Favourite Large Debt 

Counselling Firm: 

Consumer Debt Help 

SA’s Favourite National Debt 

Counselling Firm: 

Debt Busters 

SA’s Favourite VAF provider: 

MFC 

SA’s Favourite PDA: 

Hyphen PDA 

SA’s Favourite Bank: 

Standard Bank 

Pravin Gordhan gives his last 

budget speech (he didn’t know it 

at the time)

MAR 

FNB host Debt Counsellors at 

Conference 

NCR finally hold delayed Debt 

Counsellor workshop (announce 

DC fees being reviewed) 

NCR and ABSA agree to R10 

Million Fine over R699 car 

scheme (valued at R2.8 Billion) 

US President Trump once again 

tries to ban travelers from Muslim 

countries. Federal Courts block 

the ban 

Infamous Midnight SA Cabinet 

Shake up (known as “the night of 

long knives”) Ratings downgrades 

follow 

NCR raid unregistered Credit 

Providers 

NCT revoke Eagle Loans 

Registration

APR 

1st Online DCASA webinar 

hosted 

NCR call for comment on 

Call Centre Debt Counselling 

operations 

NCT launch online automated 

filing system for debt review cases 

S&P downgrade SA credit Rating 

Book The Republic of Gupta: A 

Story of State Capture released

MAY 

NCR win case vs Edcon at NCT 

over club fees 

NCR refer Mr Price to NCT over 

club fees 

NCR go After Pawn Your Car & 

Drive it Schemes 

DC Partner Event in Cape. They 

announce iDocs integration and 

massive donation to DCCS 

Drought declared in Western 

Cape (worst in 113 years) 

WannaCry global Cyber 

Ransomware attack 

James Bond Actor, Sir Roger 

Moore dies, aged 89

JUN 

Debt Review Awards in JHB. 

Capitec, Consumer Friend, 

Hyphen PDA and IDM win 

industry peer review. 

Alison Magrath appointed 

new Credit Bureau Association 

Executive Manager 

Lewis dodge NCR club fee case at 

NCT 

Debt Therapy bring appeal 

case over Nedbank v Jones 

interpretation in W Cape Courts 

(which would eventually be won)

USA announces it is withdrawing 

from Paris Climate Agreement 

(bye bye planet) 

Bahrain, Saudi Arabia, UAE, 

Yemen, Maldives and Egypt sever 

ties with Qatar over support of 

terrorists 

65.6 Million people displaced 

around the world in ongoing 

refugee crisis 

Supreme Court in Venuzuela 

attacked by rogue police 

helicopter pilot 

Facebook announces 2 Billion 

monthly users 

North Korea fires provocative 

Intercontinental Ballistic Missile 

into Sea of Japan

JUL 

Debt Counsellor, Deborah 

Solomon wins 3 yr case vs NCR at 

Tribunal 

6000sq km iceberg breaks off 

Larsen C Ice Shelf in Antarctica 

(global warming anyone?) 

National Consumer Commission 

holds public hearings about time 

share abuses 

World’s most popular song 

Despacito streamed 4.6 Billion 

times (and counting) 

Annual renewals of registration 

for NCA registrants (1/3rd of 

Debt Counsellors registration 

lapsed) 

Bill Gates drops to second richest 

man in the world for 12 hours 

before retaking the title. 

NCR take Foschini to NCT over 

club fees

AUG 

DCASA hold their annual 

Conference in JHB 

New Cheaper Maximum Credit 

Life rates come into affect 

Category 4 Hurricane Harvey 

Hits Texas; Category 5 Hurricane 

Irma becomes the world’s most 

powerful Atlantic hurricane

NCR begin to issue annual 

certificates by email and post to 

desperate Debt Counsellors 

USA impose sanctions on Russia 

over 2016 election interference 

SA President Zuma wins noconfidence 

vote by a narrow 

margin of only 21 votes 

Grace Mugabe uses diplomatic 

immunity to escape assault 

charges in SA 

Solar Eclipse 

22 186 cases of Swine Flu 

reported in India

SA Athletics team win big at 

London IAAF World 

Championships (among others 

Manyonga, Van Niekerk and 

Semenya take medals) 

Mayweather vs McGregor Boxing 

Match 

Violence in Myanmar - 370 000 

forced to flee

SEP 

NCR publish proposed Fee 

Structure for Debt Counselling 

proposing a reduction in income 

Samson Vs Mars court case 

ruling undoes damage caused by 

negative Nedbank v Jones ruling 

interpretations 

Capitec host their first conference 

for Debt Counsellors in 

Stellenbosch 

All Blacks Beat Boks 57 – 0 in 

Auckland

Shoprite hit with R1 Million fine 

by NCT 

Hurricane Irma makes landfall 

causing chaos for over 7 million 

families and many deaths 

Playboy founder Hugh Hefner 

Dies Aged 91, survived by his 31 

year old wife 

Puerto Rico hit by hurricane. 

All electrical power wiped out 

country wide 

Saudi Arabia become last country 

in the world to remove ban on 

women drivers 

Bell Pottinger Scadal Breaks- 

Racist campaigns run to help 

distract from Gupta State Capture 

allegations

OCT 

NCR go after VW Financial 

Services and BMW Financial 

Services for ‘on the road’ fees 

(mostly ignored) 

Consumer Friend change their 

contact details 

KPMG caught in anti Gupta 

frenzy

R3 Billion in tax funds used in 

bailout of SAA 

Shooting in Las Vegas kills 58 

people and injures 489 

New York Times publishes sexual 

harassment article on Hollywood 

producer Harvey Weinstein. Huge 

influx of revelations from other 

actors and actresses follow that 

rocks Hollywood glitterati. Similar 

accusations sweep through US 

political circles 

Plague outbreak in Madagascar 

Marburg virus outbreak in 

Uganda 

Another SA Cabinet reshuffle 

Lackluster Mini Budget offers little 

substance

NOV 

Parliamentary Portfolio 

Committee announce proposed 

Bill to amend NCA to include 

NCR run debt review for poor 

DCASA AGM – Mr Tony Richards 

announces he will not be on 

NEC after 11 years, Mr Paul Slot 

announces he won’t serve as 

DCASA President in 2018. 

Consumer Friend’s DReX system 

goes live for Debt Counsellors 

S & P finally rate SA as “junk” 

(Local Currency rating)

11 Saudi Princes arrested along 

with others on corruption charges 

World largest retailer Alibaba 

does $25.3 billion in sales on one 

day 

Zimbabwean Vice President 

fired. Grace gets the job briefly. 

Military moves into capital. 

President Mugabe at first refuses 

to step down, in TV appearance, 

but soon his resignation is 

announced during impeachment 

proceedings. Emmerson 

Mnangagwa becomes new 

President 

Prince Harry engaged to actress 

Meghan Markle (Rachel from 

Suits)

DEC 

NCR Conference held in Cape 

Town –Debt Counsellors, PDAs 

and Credit Providers attend 

US Supreme Court Rule in favour 

of Trump travel ban on 6 Muslim 

countries 

Bitcoin value spikes suddenly 

Iraq announce victory against ISIS

Star Wars: The Last Jedi launches 

(just days before Suadi Arabia lifts 

35yr ban on Cinemas) 

President Zuma faced with R6 Mil 

in legal fees after losing court 

battles against state capture 

inquiry 

Steinhoff accounting fraud 

scandal hits press 

ANC elect Cyril Ramaphosa as 

party President

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NCR 

CONFERENCE 


The National Credit Regulator (NCR) held their annual conference 

in Cape Town this year. The conference was themed as a ‘Reflection 

and Celebration‘ of debt review. The NCR and National Credit Act 

turned 10 years old half way through the year and there was plenty 

of history to look back over during the speeches. Speakers at the 

conference ranged from Magistrates to Debt Counsellors, Credit 

Providers, the NCT and NCR themselves. Credit Providers and even 

some Debt Counsellors flew from other parts of the country to attend.

Both the NCR’s acting Head of Debt 

Review, Mr Ngoako Mabeba and 

Senior Legal Advisor, Ms Nthupang 

Magolego addressed the audience 

as the day began. Statistics show 

that debt review is working but 

could be doing even more to help 

the economy and those in financial 

trouble. Time was given to reviewing 

some of the major legal victories 

(and loses) that the NCR has been 

involved with including enforcement 

action against Debt Counsellors 

and Credit Providers. Surprisingly 

the speeches even touched on Debt 

Intervention as envisioned in the 

recent proposed NCA amendment 

bill. Ms Magolego (NCR Senior 

Legal Advisor) described it simply as 

debt review done by the NCR. 

...Surprisingly the speeches even 

touched on Debt Intervention as 

envisioned in the recent proposed 

NCA amendment bill... 

It was highlighted that in the nearly 

4000 education programmes the 

NCR has held over the last 10 years 

they have helped educate 403 108 

consumers (out of the +-21 Million 

credit users) with information about 

the NCA and in many cases debt 

review. 

Rob Easton-Berry (Credit Provider) 

spoke very openly about the 2009 

NCR Task Team, which gave rise

to many of the common practices 

within debt review today. He 

discussed the need at the time and 

the way solutions were reached in 

a short time through many hours 

of hard negotiation and sometimes 

confrontation. He ended his speech 

by predicting hard times ahead 

economically for the country. He 

said that Debt Counsellors need to 

be ready and have systems in place 

to handle more clients than ever. 

The NCT briefly touched on their 

functions within the framework of 

the NCA. They mentioned their new 

automated system and how that is 

designed to help them cope with 

the dramatic increase in cases for 

debt review they have been flooded 

with over the last few years. The 

audience were very positive about 

the travelling motion courts the NCT 

have been operating country wide. 

Debt Counsellor Alan Manshon 

looked back at how debt review has 

changed and highlighted some of 

the current challenges. Unlike many 

of the previous speakers he asked 

his audience to get involved and 

comment. There were many laughs, 

some pained groans and even

forehead slapping as Alan took 

the audience through a decade of 

almost constant change within the 

industry. 

The (PDASA) Payment Distribution 

Association of South Africa were 

represented by DC Partner’s 

Herman de Jager. He begged the 

NCR to look into the issue of PDA 

fees and payment turnaround 

times. He warned that the industry 

will struggle greatly in the future if 

PDAs are forced out of business by 

non sustainable costing models. His 

sentiments received an enthusiastic 

and supportive round of applause 

from the concerned audience. 

...the industry will struggle 

greatly in the future if PDAs are 

forced out of business by non 

sustainable costing models... 

Local Western Cape Magistrate 

Nyati called on the NCR to help 

educate more consumers. She 

then took some time to discuss 

applications for debt review locally 

in the Western Cape. She thanked 

the NCR for the invite and said that 

she and her colleagues who had 

attended had found it interesting 

to sit among Debt Counsellors and 

see the way they think and the issues 

raised. They hope to engage more 

with the industry in the future for 

further insights.

Mr Peter Michaels of the NCR closed 

out the day as he spoke about 

things like registration and lapsing 

of registrations prior to a question 

and answer session. It was revealed 

that another 300 Debt Counsellors 

registration was to lapse shortly. This 

means that the number of previously 

registered Debt Counsellors will 

now be halved in the country since 

the increased annual renewal fees 

began. Many questions were asked 

and this provided the chance for 

industry role players to comment 

and take note of concerns of those 

in the audience. 

The event was well supported 

(though some had to leave during 

the conference to go to mosque 

since it was held on a Friday) and 

the audience was generally positive 

about the day. Both Debt Counsellors 

and Credit Providers benefitted 

from getting to meet face to face 

and engage with one another about 

current challenges (such as end 

balance differences). The NCR can 

chalk this one up as a great success.

Die Republiek van 

SKYT AFRICA 

Hi daar mense, 

Ek het in verlede maand se berig n oorsig gedoen van die afgelope 

jaar en weereens tot die besef gekom dat die nie help om te tob en 

talm oor die verlede nie, wat verby is is verby en daar is niks wat ek 

of jy kan doen om die horlosie terug te draai nie. Daar is dinge wat 

nou weg is soos die motorvervaardiger Chevrolet, die ouer garde sal 

onthou in die 60’s en 70’s het ons almal iemand geken wat n Chevy 

gery het asook die advertensieklingel “braaivleis, rugby, sonneskyn 

en Chevrolet”, hartseer maar dit is die lewe – nostalgie. 

Die regerende party het sopas n nuwe leier gekies en die finansiële markte 

het positief daarop reageer, die huidige President van die land bly egter 

nog in sy amp tot die volgende verkiesing, genoeg oor poletiek! 

Teen hierdie tyd het al die skoolgaande kinders hulle rapporte gekry, 

sommige het geslaag met onderskeidings, sommige met bogemiddelde

punte en dan is daar die wat nie die paal gehaal het nie. Ek wil hierdie 

maand met jou gesels oor rapporte. N rapport is n samevatting en oorsig 

van prestasie of onderprestasie deur die jaar. Elkeen van ons behoort vir 

onsself n rapport op te stel, n eerlike rapport oor die afgelope jaar. Waar 

het ek presteer en hoekom en waar het ek onderpresteer en hoekom? 

Was ek ten alle tye n regverdige mens in my doen en late of het ek soms 

toegelaat dat my emosies die oorhand kry/ Hierdie tydskrif is uitsluitlik 

vir die doel van finansiële welstand en dit is onbetwisbaar dat geldelike 

druk ons irrasioneel laat optree, ons blameer wyd en syd sonder om self 

ondersoek te doen en dit is waarom n rapport ons kan help om te verstaan, 

is daar areas wat kan verbeter en nog belangriker het ek geslaag of het 

ek gefaal? 

Om, soos die oumense gesê het, te dop is nie die einde van die wêreld 

nie solank ek daaruit leer en die nodige aksieplanne in plek sit wat n 

verbetering sal verseker. Selfkastyding en bejammering gaan nie die

oplossing wees nie so ook nie om blaam te verskuif nie, dit is jou rapport 

en jou punte en dit is in jou hande om positiewe veranderinge te beplan, 

in te stel en deur te voer. 

Indien jou rapport hierdie jaar toon daar is ruimte vir verbetering streef 

daarna om die nodige aanpassings te doen, jy is dit aan jouself en jou 

familie verskuldig. Mag elkeen van julle met lof slaag op volgende jaar se 

rapport, indien jy onder skuldberadering is en vasgebyt het, gee jouself n 

klop op die skouer, jy slaag met lof omdat jy die regte besluit gemaak het 

en die probleem positief en daadwerklik benader het. 

Lekker vakansie almal! 

Groetnis. 

Christo Hattingh 

Kyk gerus my LinkedIn profile: 

https://www.linkedin.com/in/christo-hattingh-351a52130/ 

* Seriously please do let us know if you found this article to be 

funny/offensive/amusing/interesting feedback@debtfreedigi.co.za

South Africa’s 

leading Debt Counsellors 

Click through to 

www.creditmatters.co.za 

or call our national call centre on 

086 111 6197

NCPDA2 

R E G . 2 0 0 8 / 0 1 8 7 4 1 / 0 7 

PAYMENT DISTRIBUTION AGENCY 

TRANSPARENCY 

INTEGRITY 

COMPLIANCE 

COMPANY BACKGROUND 

On 28 August 2008, DC Partner began 

distributing funds newly appointed by the 

National Credit Regulator as a accredited 

Payment Distribution Agent. 

DC Partner’s business has continued to 

steadily grow ever since 2008 and is a 

financially strong company that strives for 

excellent service to our customers. 

DC Partner is one of only three NCR 

accredited PDA’s in South Africa and its 

operations are based out of the scenic town 

of George in the beautiful Southern Cape, 

with satellite offices in Pretoria and Cape 

Town. At present, the company employs 

roughly 100 people. DC Partner has a high 

level of commitment and quality control. 

SECURE DISTRIBUTION OF DEBT 

REVIEW FUNDS 

DC Partner takes pride in providing accurate 

and timely distributions. After all, the ability 

to accurately and speedily distribute funds 

from consumers to credit providers forms the 

cornerstone of the debt review cycle. 

Distributions are strictly done according to 

the distribution plan provided by the relevant 

debt counselor.

W H Y C H O O S E D C P A R T N E R A S P D A ? 

A client relationship officer is assigned for EACH 

Debt Counsellor – Single point of contact & 

communication! 

We assist to follow up on default clients, unpaid 

funds and unidentified deposits. 

National representation – Frequent face to face visits 

to your office by skilled, trained agents. 

Automated e-mails which can be sent directly from 

our system – 17.1, 17.2, proposals, cascades etc. 

Systematized client statements for each distribution 

sent as e-mail or sms. 

Daily Distributions on all clients. 

24 Hour access to our system (Including distribution 

data) from any PC, Cell Phone or tablet with internet 

access. 

Individual, dedicated business bank account for each 

debt counsellor. 

Multiple management review reports accessible 

directly to manage your debt review business and 

processes. 

HEAD OFFICE: 

59 VICTORIA STREET, GEORGE 

TEL: 044 873 4530 EMAIL: PDA@DCPARTNER.CO.ZA 

WWW.DCPARTNER.CO.ZA

MANAGING DIRECTOR 

T | 086 111 3749 

CHRIS@ZERODEBT.CO.ZA 

WWW.ZERODEBT.CO.ZA 

CHRIS CRAVEN

Why did you get 

involved in the 

industry? 

What did you do 

before becoming 

a DC? 

I had various business interests in 

the financial sector and became 

interested in debt counselling in 

2009. We formed Zero Debt and 

began offering debt review services 

back in 2009. 

As a team, we identified the needs 

of people who were over-indebted – 

essentially the need to protect their 

assets and have their instalments and 

interest rates reduced to an amount 

that was within their means. The 

debt review process meets this need 

for our clients and inevitably helps 

to solve their financial dilemma. The 

debt review process was back then, 

and still is, the most effective way 

to reduce instalments and interest 

rates while retaining assets.

PROFILE | CHRIS CRAVEN | ZERODEBT 

What area (of SA) 

do you practice in? 

Zero Debt offers debt review services 

throughout South Africa. 

Where do you find 

new business? 

We market nationally in the media 

and online and generate a lot of 

business through referrals. 

What makes your 

business a success? 

Our service solves a problem. We 

focus on reducing interest rates by 

getting acceptances from creditors 

– an agreement our clients would 

not be able to attain, without 

our involvement. We also pride 

ourselves in retaining the best staff 

in the industry, who administer the 

entire process.

END 

Do you think the 

proposed NCA 

amendments bill 

address all the 

current needs of 

the industry? 

The proposed NCA amendments 

bill is aimed to assist extreme low 

income consumers. Currently the 

Debt Counsellors cannot assist 

these members as proposals for 

repayment will not solve in terms 

agreed by Credit Providers. 

What is the biggest 

challenge facing 

your consumers at 

the moment? 

Inflation, along with the rising cost 

of living. This makes it difficult for 

consumers as they have to constantly 

adjust their budget throughout the 

process. 

What advice do you 

have for consumers 

under debt review? 

My advice is to trust in the process, 

and stay with us until your debt is fully 

paid and you receive a clearance 

certificate.

DEBT COUNSELLORS ASSOCIATIONS 

ANNOUNCEMENT BOARD 

We wish our members a good holiday 

break and look forward toa productive 

2018. We will be holding a series of 

regional meetings early in the year 

and you can check the January issue 

of Debtfree or our website for all the 

details. 

Curious about Crypto Currencies? 

Contact us for info on 

how they work: 

admin@neweracomms.co.za 

www.dcasa.co.za 

www.newera.org.za 

We thank all our members for their 

support this year. We wish everyone 

happy holidays. 

We wish our members a good end of the 

year holiday break and remind everyone 

to make use of the Facebook page if you 

want to share any suggestions or ask 

questions. 

www.bdcf.co.za 

www.allprodc.org

DON’T WORK WITH AN OUT 

DATED VERSION OF THE ACT 

UPDATED 


We are happy to announce that the Amended National Credit Act booklet 

is now available via our shop. 

Get the latest version for only R250.00 

ORDER NOW 

http://debtfreedigi.co.za/product/pocket-sized-national-credit-act-booklet/

DEBT COUNSELLING 

COMMUNITY SUPPORT 

DEBT COUNSELLING 

BACK 

COMMUNITY SUPPORT 

TO 

SCHOOL 

DCCS want to thank Nedbank for leading the charge with end 

of year hampers for our vulnerable Debt Review consumers. These 

consumers have been identified by their Debt Counsellors as needing 

a little extra help at the end of the year. 

Nedbank have been collecting cans of non perishables, as well as, 

basic toiletries and food stuffs. DCCS are helping distribute these to 

debt review families who are under pressure. 

Contact admin@dccsupport.co.za

Nedbank have also donated thousands of Rands so that DCCS can 

reach even more consumers at the end of the year and families with 

needs. 

These efforts go hand in hand with the DCCS back to school project 

for Jan 2018 where participating debt counsellors and PDAs and 

credit providers are helping us give ‘back to school’ packs to over 

100 debt review families this year. 

Sponsor a R150 Back to School Hamper

CLICK THE C 

SERVICE D 

DEBT COUNSELLORS 

SUPPORT 

SERVICES 

TRAINING 

FINANCIAL 

FINANCIAL 

PLANNING

IRECTORY 

ATEGORY 

DO YOU WANT TO LIST 

YOUR COMPANY? 

directory@debtfreedigi.co.za 

LEGAL 

CREDIT BUREAUS 

PAYMENT 

DISTRIBUTION 

AGENCIES 

CREDIT PROVIDER CONTACT 

DETAILS & ESCALATION PROCESS

DEBT COUNSELLORS 

GAUTENG 

KWAZULU- 

NATAL 

FREE STATE

LIMPOPO NORTH WEST EASTERN CAPE 

MPUMALANGA NORTHERN CAPE WESTERN CAPE

PENNY WISE 

Cathy Foster 

Debt Counsellor – NCRDC1977 

Penny Wise Debt Counselling 

Tel: (011) 679 1540 

Fax: 086 719 3378 

Mobile: 083 298 4467 

Email: cathy@pennywise.co.za 

www.pennywise.co.za 

Credit Matters 

South Africa’s Leading 

Debt Counsellors 

14th Floor, The Pinnacle 

Cnr Strand & Burg St 

Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 

info@creditmatters.co.za 

GAUTENG 

Armani Debt Counselling 

Take the First Step 

to Financial Freedom 

Tania Dekker 

Tel: 011 849 3654 / 7659 

www.armanigroup.co.za 

Dynamix Debt Counselling TLC 

Alida Christie NCRDC2324 

Office 1, 34 Beefwoodstreet, 

Vanderbijlpark, 1911 

Tel: 079 520 4369 

Tel: 016 100 8020 

tlcdebt@mweb.co.za

0861 123 644 

Specialist Debt Management Centre 

Beverley Ludick, NCRDC948 

Pretoria 

Tel: 012 377-3557 

Email: obligco@gmail.com 

Email: dc@obligco.co.za 

www.obligco.co.za 

Creators In Financial Wellbeing 

NCRDC677 

You Are Not Alone 

We’ll handle your creditors so you 

don’t have to! 

1 Dingler Street, Rynfield, Benoni 

0861 10 11 00 

info@debtmend.co.za 

www.debtmend.co.za 

info@debtrescue.co.za 

NCRDC197 

Tel: 011 660 9970 

Fax: 086 540 5017 

KRUGERSDORP 

e-mail: nicky@nvdmdc.co.za 

www.nvdmdc.co.za 

All Debt Solutions 

Fast tracking your financial freedom 

Tel: 0861 255 3328 / 021-557 9981 

Email: info@allds.co.za 

www.alldebtsolutions.co.za 

https://www.facebook.com/ 

alldebtsolutions 

CCDC 

Consumer Care Is our Priority. 

Tel: 018 462 4263 / 073 624 6949 

Email: info@ccdc.co.za 

www.ccdc.co.za

DEBT NO MORE - NCRDC1973 

Christelle du Toit 

Tel: 016 423 6301 

Cell: 083 321 6731 

FAX: 086 219 3306 

Email: debtnomore@jjckruger.co.za 

www.jpawfin.co.za 

GAUTENG 

MV Business Empowerment 

9 River Road 

Morning Hill 

Bedfordview 

(next to Eastgate mall) 

Tel: 083 490 3339 

velaphi@infitech.co.za 

Suite 7 Gladstone Court 

103 Smiso Nkwanyana [Goble] Road 

Morningside 

Durban 

Tel: 031 303 1004 

Mobile: 076 835 2810 

Email: jbechoo@jb-attorneys.co.za

0861 123 644 

National Debt Advisors 

Fighting For Consumer Justice 

Tel: 021 007 1688 

www.nationaldebtadvisors.co.za 


KWAZULU- 

NATAL 

Restore your 

financial wellness 

Debt Review Specialists 

23 Coronation Road 

Mithanagar 

Tongaat 

4399 

Tel: 071 222 9481 

Tel: 032 944 3446 

admin@kmadebt.co.za 

www.kmadebt.co.za 

Our Debt Management 

Process is Easy! 

DEBT 

REVIEW 

AWARDS 

Telephone 

031 303 2448 / 084 250 2356 

www.debtfinesse.co.za

DEBT FREE, STRESS FREE 

AND LIVE BETTER 

087 001 0867 

info@bmhdebtsolutions.co.za 

www.bmhdebtsolutions.co.za 

Registered Debt Counsellor 

NCRDC2662 






Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 

info@creditmatters.co.za



Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


FREE STATE 

0861 123 644 

info@debtrescue.co.za

LIMPOPO 



Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


Depopulating a generation of over 

indebted and populating a debt free 

generation. 

Office no 2, 5 A Schoeman Street, 

Polokwane 

Tel: 0152912731 

Tel: 0877028518 

Email: admaau66@gmail.com 

www.maaudebts.co.za 

SMS Salary Management Services 

Annerien de Jager 

Registered Debt Counsellor 

NCRDC0075 

015 307 2772 

info@smslimpopo.co.za 

0861 123 644 


MPUMALANGA 

GMC Debt Solutions 

52 Kerk Street 

Lydenburg 

Tel: 087 802 7054 

Tel: 087 151 1034 

www.gmcdebtsolutions.co.za 



Tel: 021 007 1688 


Romi Oliphant 

Debt Counselling 

Service 

013 650 0116 

rodcs4u@gmail.com 

http://rodcs4u.webs.com/ 

WhatsApp 

062 502 5987 






Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


0861 123 644 




Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


NORTH WEST 

Depopulating a generation of over 

indebted and populating a debt free 

generation. 

Office No. 6, Prime Pharm Building, 

36 Dr Nelson Mandela Drive 

Tel: 0186320053 

Tel: 0877026744 

Email: papi@maaudebts.co.za 

www.maaudebts.co.za 

0861 123 644 




Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


NORTHERN CAPE 

0861 123 644 




Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


EASTERN CAPE 

0861 123 644 


WEBSITE | www.debt-therapy.co.za 

debt therapy 

integrity guaranteed 

debt therapy is registered with NCR | NCRDC49 



Tel: 021 007 1688 


Drastically reduce your monthly 

debt repayments 

Let US help 0861111863 

Regain control of your finances 

www.debt-therapy.co.za 

WESTERN CAPE 

CONSOLIDEBT 

Heidie Knorr NCRDC209 

Paarl, Worcester, Wellington, Ceres, 

Piketberg, Clanwilliam, Vredendal 

Tel: 021 863 2754 / 082 380 4401 

consolidebt@vodamail.co.za 

Encouraging Freedom, Creating Wealth 

Etienne Pieterse NCRDC2210 

Tel. (021) 204-8001 

etienne@ffsdc.co.za 

www.financialfreedomsolutions.co.za

ISISEKO DEBT HELP 

Get Your Life back on track 

TEL: 087 230 0223 

FAX: 086 551 1649 

EMAIL: makanti@isiseko.co.za 

WEB: www.isiseko.co.za 

NCRDC1142 

No 2 Golden Isle Building 

281 Durban Road, Oakdale, 

Bellville, 7535 

Tel: 086 111 3749 

Email: help@zerodebt.co.za 

www.zerodebt.co.za 






Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


All Debt Solutions 

Fast tracking your financial freedom 

Tel: 0861 255 3328 / 021-557 9981 

Email: info@allds.co.za 

www.alldebtsolutions.co.za 

https://www.facebook.com/ 

alldebtsolutions 

“There is no dignity quite so 

Impressive and No Independence 

quite so important as Living 

within your Means - Calvin Coolidge” 

For your Convenience Our Range of 

Services are Availble to you Anywhere in 

South Africa! 

Jackie Coetzee 

079 317 8557 

022 713 2021 

documentswc@fusiondc.co.za

Credit Rescue 

Debt Review 

Debt Review Removal 

Administration Removal 

Garnishee Removal 

Contact 

James Scott 

0834525829 

Email: helderberg@credit-rescue.co.za 

Your Guide to Financial 

Wellness and Recovery 

0861 229 922 

info@debthero.co.za 

www.legalhero.co.za 

WESTERN CAPE 

CONSUMER DEBT SUPPORT 

Annienne Nel NCRDC2452 

Kairo’s House, 22 Fairfield 

Southstreet, Parow, 7550 

Office: 021 930 5791 

Cell: 082 641 2328 

Fax: 086 563 3264 

e-mail: info@debtcentre.co.za 

www.debtcentre.co.za

0861 123 644 


RIGHT STEP TO A 

DEBT FREE LIFE. 

086 111 2274 

081 785 3724 

info@logicaldebtsolutions.co.za 

www.logicaldebtsolutions.co.za

SUPPORT SERVICES 

Tel: 011 451 0041 

Tel: 0860 072 768 

www.maxpayments.co.za 

lana Van Herwaarde, 

DC Operation Centre (PTY) 

Tel: 0867227405 Email: 

info@dcoperations.co.za 

www.dcoperations.co.za 

DEBT 

086 126 6562 

debt@one.za.com 

www.one.za.com

COMING SOON 

TRAINING 

COMING SOON 

FINANCIAL PLANNING

LEGAL 

Liddles & Associates 

“It always seems impossible until it 

is done” N. Mandela 

(T) 021 930 5790 

(F) 0866070940 

(E) frontdesk@liddles.co.za 

www.liddles.co.za 

Steyn Coetzee Attorneys / 

Prokureurs 

Adri de Bruyn 

11 Market Street / Markstraat 11, 

Paarl, 7646 

Tel: 021 872 1968 

Fax: 021 872 2678 

adri@steyncoetzee.co.za 

RM Brown and Associates 



Cape Town 

Tel: 021 202 1111, f: 021 425 0875 

Email: roger@rmbrown.co.za

Your Debt Counselling Attorneys 

Johannesburg | Cape Town 

Kim Armfield 

Attorney & Family Law Mediator 

Address: Unit 1B, FinansHuis, 7 

Voortrekker Road, Bellville 

Tel: 021 949 1758 / 021 945 2526 

Office cell: 084 8588 284 

kim@legalwc.co.za 

Andre Van Zyl 

021 494 4862 

info@bassonvanzyl.com 

www.bassonvanzyl.com 

CREDIT 

BUREAUS 

Xpert Decision Systems (XDS) 

South African information bureau. 

Cape Town | Johannesburg 

+27 11 645 9100 

info@xds.co.za 

www.xds.co.za

PAYMENT DISTRIBUTION AGENCIES 

DC Partner 

044 873 4530 

Hyphen PDA 

011 303 0060 

NPDA 

0861 628 628

SYSTEM PROVIDERS 

Tel: 011 451 0041 

Tel: 0860 072 768 

www.maxpayments.co.za 

Debt Review Software 

Tel: 016 004 0031

CAPITEC CONTACT DETAILS 

Form 17’s 

Proposals 

Court documents 

General Queries 

Refund Requests / 

Cancellation of Debit Orders 

Complaints 

Insurance Certificates 

ccsforms17@capitecbank.co.za 

ccsproposals@capitecbank.co.za 

ccsdebtrevieworders@capitecbank.co.za 

ccsdebtreviewqueries@capitecbank.co.za 

ccsrefundrequests@capitecbank.co.za 

ComplaintManagement@capitecbank.co.za 

coming soon 

Sharecall Contact Number 086 066 7783 - Select Option 2 

ESCALATION PROCESS 

COMING SOON

Debt Review DepartmentEmail Address 

Turnaround Time 

Contact Details Standard Bank Debt Review 

Debt Review Call Center: 0861 111 525 or 0861 111 402 

Debt Review Documents*: 

DRApplications@standardbank.co.za 

Debt Review Service requests: debtreviewservices@standardbank.co.za 5 days 

Debt Review payment queries: DRPayments@standardbank.co.za 7 days 

Debt Review administrative requests**: DebtReviewAdmin@standardbank.co.za 5 days 

Debt Review complaints and escalations: debtreviewcomplaints@standardbank.co.za 5 days 

Reckless Lending Allegations 

recklesslendingallegations@standardbank.co.za 

*Debt Review documents: Form 17.1; Form 17.2; Proposals; Court Applications; Court Orders 

**Debt Review Admin related requests: debit order cancellations; statement requests ; refunds; paid up 

letters; account closure instructions; settlement balances; or outstanding balances 

Other Standard Bank areas 

Credit Card 086120 1000 

Diners Club 0113588400 / 0860346377 

Vehicle Asset Finance Recoveries 0861102347 

Vehicle Asset Finance Collections 0861102347 

Home Loans Pre Legal 0860102270 

Home Loans Customer Service 0860123001 

Standard Bank Insurance 0860123911 

Deceased Estates 0861001868

ABSA TASK SPECIFIC DEBT 

ABSA TASK SPECIFIC DEBT REVIEW ENTRY POINTS 

REVIEW ENTRY POINTS 

Form 17.1 

DRCOB@absa.co.za 

Debit Order Cancellations 

Debitordercancellations@absa.co.za 

Proposals 

DRProposals@absa.co.za 

Exits from Debt Review 

17.4@absa.co.za 

All Court Documents 

Courtapp@absa.co.za 

DC Switches 

DCTransfere@absa.co.za 

Termination Queries 

DRTerminations@absa.co.za 

Queries 

debtreviewqueries@absa.co.za 

Escalated Queries 

debtreviewmanager@absa.co.za 

Call Centre 

0861 222 272

First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). Reg. No. 1929/001225/06.

DC Query Process DC Query Process 

www.nedbank.co.za

17.1, 17.2, Proposals, General 

correspondence: 

debtcounselling@africanbank.co.za 

To register for Legal Web Access: 

lwac@africanbank.co.za 

Reckless Lending investigations: 

RLA@africanbank.co.za 

ESCALATION PROCESS 

DETAILS COMING SOON

Telephone: 031 251 4151 

Fax: 031 251 4252 

GENERAL CONTACT DETAILS (FIRST POINT OF CALL)* 

17.1‘s, 17 .2’s, 17.3’s, Rejections and 17 .W’s, Change or 

Transfer of Debt Counsellor 

Proposals / Revised Proposals / Consents / 

Related Queries 

Notice of Service / Court Applications 

Updated Balances / Settlements / General Queries 

Section 86(10) Letters and All Related Queries 

applications@consumerfriend.co.za 

proposals@consumerfriend.co.za 

courts@consumerfriend.co.za 

customeraccounts@consumerfriend.co.za 

terminations@consumerfriend.co.za 

ESCALATION CONTACT DETAILS* 

Complaints / Service Delivery / Management 

17.1‘s, 17 .2’s, 17.3’s, Rejections and 17 .W’s, 

Change or Transfer of Debt Counsellor 

Proposals / Revised Proposals / Consents / 

Related Queries 

Notice of Service / Court Applications 

Updated Balances / Settlements / General Queries 

ryan@consumerfriend.co.za 

justin@consumerfriend.co.za 

charlene@consumerfriend.co.za 

charlene@consumerfriend.co.za 

roderick@consumerfriend.co.za 

diane@consumerfriend.co.za 

*Please do not CC multiple email addresses.

Debtfree Magazine December 2017

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