Debtfree DIGI March 2016

South Africa’s debt counselling magazine 

March 2016 

www.debtfreedigi.co.za

What you can expect from Hyphen PDA: 

• Increased Debt Counsellor Profitability 

• Flawless Systems 

• Meaningful Reporting 

• Contented Consumers! 

Chris van der Straaten, 

Head: PDA 

082 557 0437 

Malcom Povey, 

Head: Operations PDA 

082 445 5604 

www.hyp

henpda.co.za 

Don’t expect to hear an endless amount 

of “spin” around why things failed!.

“ It always seems 

impossible until 

it is done” - Nelson Mandela 

Specialist Attorneys dealing 

with Debt Review matters 

Magistrates Court 

and High Court Matters 

TEL 021 913 2514 FAX 0866070940 EMAIL info@liddles.co.za 

PHYSICAL ADDRESS 7 Chenin Blanc Street, Oude Westhof POSTAL ADDRESS PO Box 3407, tygervalley, 7536

CONTENTS 

NEWS 

HAVE YOUR PDA 

FEES CHANGED? 

NEDBANK V NORRIS 

NCR WORKSHOP 

FNB WORKSHOP 

SERVICE 

DIRECTORY

EDITOR’S NOTE 

March sees a spate of public holidays and long 

weekends. A brief respite from the pressures 

that weigh down both those religious and 

secular. Of course, all the public holidays are 

either a boon or curse depending on whether 

you earn on those days or not. For those who 

have to pay staff regardless, it is hardly a boon 

but rather a burden. For those who do not earn 

on days they do not work, it is a frustrating 

time of year which sees bank balances further 

decimated. For the rest, it gives a moment of 

quiet in the storm to collect ones thoughts and 

plan ahead. 

As the last days of summer slip between our 

fingers, it seems that clever consumers are 

clambering for debt help through debt review. 

The chickens (of Dec and Jan spending) are 

home to roost and for many February was 

a harsh month calling for action which was 

finally taken in March. Application numbers 

are high. The interest rate hikes and food price 

increases at the shops are hitting all of us hard. 

Predictions are that further rate hikes and 

more pressure on the Rand lies ahead so, brace 

yourself. 

meeting held in Cape Town suddenly turned 

sour. 

We look into all the local news about the 

industry and consider how this will impact on 

consumers and debt counselling firms. New 

court cases have also captured the attention 

of the industry recently. These matters may 

shape the way ahead or may simply be another 

matter referenced in upcoming appeals cases. 

Either way we have a look at what has been 

coming out of the courts in this issue. 

Debt Review can also be a real respite from 

debt pressures that are weighing in on you. 

If you are feeling crushed and unsure about 

how to deal with debt then head down to your 

local Debt Counsellor. Get a fresh perspective, 

professional advice on your situation and take 

the first steps towards being debt free. 

March has been the month of industry 

workshops by both the Regulator and credit 

providers. This issue we look into the recent 

series of NCR workshops rolling out across 

the country for Debt Counsellors and Credit 

Providers and see how the very well supported

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INDUSTRY 

CONSUMER 

NEWS FLASH 

For daily debt counselling news in 3 minutes or less visit www.debtfreedigi.co.za 

REPO RATE CLIMBS 

In March, Reserve Bank Governor Lesetja 

Kganyago announced that due to pressures on 

the economy (including a higher than hoped 

for inflation rate) and weakening national 

currency the Reserve Bank had decided to 

push up the rate to 7%. This follows on the 

heels of similar hikes over the last few months 

in reaction to the world and local economy and 

is not expected to be the last increase this year. 

LEWIS GET GO AHEAD 

Last year, Lewis Stores announced their 

intention to purchase Beares and Ellerines (for 

something of a bargain from their struggling 

parent company). It has taken until this month 

for all the red tape by the regulatory and 

competition authorities to give the green light 

for the transaction to go ahead. Though Lewis 

themselves have been going through tough 

times with share prices being low and pressure 

from new legislation and investigations by 

the NCR making life interesting, they are still 

looking ahead to diversify and expand into a 

higher income client bracket. 3/4 of the 57 new 

stores acquired carry the Beares brand (the rest 

are Ellerines stores). It is hoped that with the 

acquisition of many Beares Stores , Lewis will 

be able to gain traction among higher income 

earners, who will be able to comply with more 

ease with recent changes to affordability 

assessments as per new legislation. Consumers 

applying for credit are now required to provide 

not only bank slips but also proof of recent 

income (eg. 3 months pay slips). Lewis recently 

reported little growth (1.1%) over the end 

of 2015 and this was attributed, in part, to 

challenges facing the lower to middle income 

earners who comprise most of their current 

clientele. 

LEAVING DEBT REVIEW 

NCR GUIDELINE 

When a person approaches a Debt Counsellor 

they begin a statutory process governed by 

the National Credit Act (NCA). When a person 

asks a Debt Counsellor to look over their 

situation this needs to be indicated on the 

National Credit Regulator’s (NCR) data base. 

They, in turn notify the credit bureaus. Then 

the Debt Counsellor asks the consumer and 

all their credit providers for more information 

(the Debt Counsellor sends out a form called 

a Form 17.1). Once they have looked over 

that info they know if the person needs to 

simply adjust their monthly spending habits 

or whether they need legal protection though 

the NCA and debt review. At this point the Debt 

Counsellor will send out a form called a Form 

17.2 which says either the consumer needs 

help or not. If the consumer needs help the 

Debt Counsellor will make a few proposals to 

the credit providers and gather their responses 

for inclusion in a court document. The matter

NEWS CONTINUED 

then goes to court for a debt restructuring 

court order. This stays in force for as long as the 

consumer pays according to the arrangement. 

Later the Consumer’s situation may change 

drastically and they may be able to leave debt 

review sooner than planned or they may pay 

according to the plan and come to the end of 

the arrangement with all their debt settled. 

The NCR issued a guideline on how to treat the 

process when someone wants to leave debt 

review. Not too long ago the National Credit 

Act was amended to allow for consumers who 

had paid up all their smaller debt to leave the 

process sooner. Thus the process changed 

somewhat and the NCR issued a new guideline 

or non binding opinion. The guideline 

highlights that the process is a serious one and 

should not be undertaken lightly and without 

commitment to the process. The NCR wish 

to help create uniformity across the industry 

with how the withdrawal process should be 

conducted. 

DOWNLOAD THE GUIDELINE 

http://debtfreedigi.co.za/wp-content/ 

uploads/2016/03/Withdrawal-from-debtreview-NCR-guidelines-Feb-2015.pdf 

NCR ISSUE MASSIVE 

R1 MILLION FINE 

According to the National Credit Act if a person 

or company want to issue credit to consumers 

they have to register with the National Credit 

Regulator. The idea behind the legislation 

is to stop the prevalence of loan sharks in 

communities across South Africa. These loan 

sharks have a terrible reputation for taking 

advantage of those they loan funds to. The 

NCA also requires that after registration the 

credit provider pay an annual fee so that the 

NCR can keep an eye on who is currently in 

business. The NCR have reminded registrants 

that they do not have to remind them of the 

annual renewal of their registration fee (though 

they do via email normally). If the annual 

renewal fee is not paid then the registrant is 

technically not allowed to trade. Recently the 

National Credit Regulator took action against 

an unregistered (un-renewed) credit provider 

Akudle Kutshiyele who operate in Nelspruit in 

Mpumalanga. The firm had let their registration 

lapse without renewing but had continued 

to offer new credit to consumers. The matter 

was referred to the National Consumer 

Tribunal who handed down a R1 million fine. 

The fine covered not only offering new credit 

while not renewed but also granting credit 

to consumers without checking if they could 

afford it. They also on many occasions did not 

inform consumers in advance in a quotation 

or “pre agreement” document of what the 

total cost of the credit will be. This means that 

they were offering “reckless credit”. Akudle 

also took consumers bank cards and ID books 

from consumers borrowing funds in an effort 

to enforce payment of their loans. This is illegal 

and if a credit provider (big or small) ever ask 

you for them you should report the matter to 

the NCR as soon as possible or simply refuse. 

‘GARNISHEE’ CASE GOES TO 

CONSTITUTIONAL COURT 

The all important Constitutional Court case 

regarding Emoluments Attachment Orders 

– EAOs (often called Garnishee Orders) was 

heard on the 3rd of March 2016. The case 

began a long while back in Stellenbosch 

in Cape Town and has to do with a specific 

number of EAOs against several farm workers

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NEWS CONTINUED 

which Cape Town’s courts felt were not valid 

for a variety of reasons. The court case raised 

big (constitutional) issues in regard to the use 

and abuse of the EAO system. The Con Court 

case touches on a number of important and 

far reaching common practices in regard to 

EAOs - most of which are very bad and unfair 

to consumers. Often times the way things have 

been done in the past prevented consumers 

from having their day in court to protect 

themselves from abuse. Some even claim that 

credit provider’s collection agents regularly 

engage in ‘forum shopping’ at far away courts 

in order to get their EAOs rubber stamped 

and prevent consumers from every changing 

these deductions. An EAO currently has to be 

changed at the court it was granted in. If that 

court is far from the consumer’s home town 

this makes it expensive and extremely difficult 

to get the EAO changed or thrown out. At High 

Court things went the consumers way and as 

a result many EAOs in the Western Cape have 

not been enforced since that ruling. If things 

once again go the consumers way it would 

have a massive impact on how many legal 

collections firms and credit providers go about 

recovering funds from consumers across the 

entire country. 

For daily debt counselling news in 3 minutes 

or less visit www.debtfreedigi.co.za 

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HAVE YOUR PDA FEES 

CHANGED? 

With changes to the National Credit Act made last year by 

the National Credit Amendment Act one aspect that was set 

to change was the fees charged by the Payment Distribution 

Agencies (PDAs). 

These are firms which distribute funds on behalf of consumers to their various credit providers 

in accordance with the payment plan set out by the Debt Counsellor. Consumers have the right 

to distribute their own funds but most would struggle to do so in the right amount, to the right 

account, at the right time, with the right reference each month as the plan shifts and changes. 

Use of a PDA reduces confusion and increases accuracy of payment amounts. It also allows for 

good record keeping should disputes arise. 

When the changes were first announced the PDAs (who have previously operated under a service 

level agreement with the NCR and were not required to be ‘registered’) were concerned partially 

about the reduction of income as a result of the changes. Their main concern mainly focused 

on the timelines for payments which were published with the amendments as it leaves them 

exposed to returns and disputes and the loss of revenue as a result. In many cases they would 

have to pay funds over before they had even received them (cleared), never mind if the consumer 

later went and reversed them. In such a case they would have paid for the consumers debt out of 

their own pocket. Since they deal with hundreds of thousands of consumers the threat to their 

viability is clear. The various PDAs have been meeting repeatedly since last year with the NCR, 

DTI and Parliamentary committees in an effort to get the fee structure and timelines adjusted. 

In the meantime, the PDAs have indicated that once registered they will stick to the required fee 

amounts. All the previously NCR service level agreement recognised PDAs have submitted all 

needed documents and made the needed payments etc. They now await their certification and 

the outcome of their conversations with the various bodies. 

NEW FEE STRUCTURE MARCH 2016 

Here is a look at the new fee structure for payments as set out with the amendments to the Act. If 

consumers check their statements from the PDAs they will soon see these new amounts (should 

they not change in the next week or two) shown.

SMALL payments of less than R200 will be charged R5 (VAT incl) each. 

MEDIUM sized payments (R200 – R500) will be charged R10 (VAT incl) each. 

LARGER payments of over R500 will have a charge of R15 (VAT incl) each. 

PREVIOUS FEE STRUCTURES 

This is not the first time the fee structure which PDAs are allowed to charge has changed. If you 

were wondering if this is a big change from before you can compare the upcoming structure to 

the various previous fee structures that have been in place over the years. 

FEES BEFORE JUNE 2008 

R5.00 for each payment between R1.00 and R200.00 


R30.00 for each payment above R501.00 

FEES FROM JUNE 2008 TO 31 JAN 2011 



R25.00 for each payment above R501.00 

FEES SINCE FEBRUARY 2011 

3% of the distributed amount (as per the DCs Plan) with a min of R50.00 and Max of R500.00 

excluding VAT. 

So, you can see that, while the new fee structure is not totally dissimilar to what has been charged 

in the past, it is a probable income reduction for the PDAs. Particularly will this mean a big 

change in income for PDAs as the amount of different accounts reduce (this normally happens 

as a smaller accounts are settled and only a vehicle or bond account is eventually left over). In the 

past the 3% payment stayed the same even though less and less creditors were receiving funds. 

Now their income will reduce with each credit provider that is settled. Of course, the PDAs offer 

more than simply a payment from one account to several. They also offer reporting, support, 

computer programs and DC assistance etc. The PDAs are discussing with the regulator and DTI 

how the pricing structure can be adjusted to reflect these services. At the recent NCR workshop 

with credit providers and Debt Counsellors it was indicated that since the NCR has not issued 

any official certification to any of the applying PDAs as yet, they (the PDAs) are not charging the 

fees as required of certified registrants. At the same time it was indicated that the NCR were busy 

finalising the registrations. When that happens shortly, consumers can expect the fees they are 

charged to change as per the new structure.

All professionals have professional indemnity if the unforeseen 

happens. Do you as a professional Debt Counselor have 

professional indemnity as stipulated by the ethical code? 

contact us today for more information 

086 111 2882 

TELEPHONE 0861 112 882 FACSIMILE 086 605 9751 MOBILE 082 449 6856 EMAIL andre@in2insurance.co.za 

www.in2insurance.co.za

NEDBANK 

V 

NORRIS 

(AND MAGISTRATE 

DUMANI N.O.)

A recent court case out of the Eastern Cape has caught the 

attention of the Debt Counselling Community. In the case 

Nedbank asked the court to review a debt restructuring order 

which had happened without them attending and where the 

interest rate was changed without their consent. The PE High 

Court overturned the debt restructuring court order and issued 

2 interesting declaratory judgments. 

SOME BACKGROUND 

In 2011 Mr Norris took an unsecured personal loan in the amount of R120 000 with Nedbank. 

Nedbank checked that he could afford the loan and issued it to him. The total repayment amount 

would be a whopping R220 000 over the 60 months of the loan. Monthly Mr Norris was to repay 

R3674.49 at 17.5% interest. Not to be forgotten was the Credit Life insurance of R529.80 on the 

amount each month (+- R 31 000 over the 60 months). 

Within two years Mr Norris had a change of circumstances and due to increased pressure to 

service all debt approached a Debt Counsellor in PE. (Sonja Volschenk of Madiba Bay Debt 

counsellors 041 379 2621 info@madibadc.co.za) 

At this point Mr Norris still owed R105 612. 15 on this particular loan (figure probably taken from 

the Nedbank CoB) and don’t forget those monthly insurance costs. 

Whereas Nedbank wanted R 3674.49 monthly for their loan now the Debt Counsellor determined 

that Mr Norris had only R1600 to pay all his debt each month (incl amounts to among others 

ABSA , Wonga, Ellerines, Edgars, Bridge loans, African bank). 

Proposals were sent to all creditors (which were all for very low amounts over a very long time). 

The proposals were then turned into a court application and the matter was set down for a short 

while later in Jan 2014. 

Nedbank put on record and submitted their intention to oppose the application as they were 

not happy with the proposals. Due to a somewhat irregular chain of events the court matter was 

not held the day it was originally planned (when Nedbank did show up) but several days later 

when Nedbank were not present (note: they had asked to be informed of the new set down date 

but never heard back from the consumers attorneys).

As a result Magistrate Dumani N.O. granted an order and the court order reduced Nedbank’s 

interest to zero (instead of letting run to induplum) 

At R289.15 a month x 260 (the DC had planned for a cascading increase in the repayment amount 

over time as smaller debts were settled) 

Nedbank were obviously not happy that they had not got to oppose and that the interest amount 

had been changed without their consent and wanted to rescind the court order. They then later 

applied to the court and rather than hear the whole matter the court changed interest rate back 

to the original 17.5 %. Nedbank were still not happy and the repayment amount of R289.15 was 

thus too little to cover interest (and don’t forget the credit life insurance of R529.80) 

Many banks prefer to recover funds over 60 months (for unsecured credit). It is a target they like 

to achieve. If the consumers circumstances did nto change at all (which they likely would over 

time) the reality is that even if Nedbank got every cent from the consumer each month (R1600 

x 60) this amount would simply be too little as well if the interest rate and credit life payments 

were not adjusted). Thus the need for the debt review. 

In November 2015 Nedbank’s case was heard by the High Court in Port Elizabeth. We will refer to 

the case as : Nedbank V Norris (& Magistrate Dumani N.O.) The judgement was handed down 

in March 2016 and has since been much discussed. 

After summarising the original loan agreement, the application for debt review and the granted 

court order the judgement focused on Jurisdictional matters for a while before looking into the 

matter. 

The PE High Court pointed to deficiencies in not only the fact that Nedbank never got their day 

in court but that the original debt restructuring court application did not have a lot of evidence 

in it that Mr Norris was actually over indebted (he obviously was but you have to show it not just 

say it) 

The High Court (not considering any cascading payment increases over time) pointed out that 

the proposed repayment plan of R289.15 x 260 doesn’t add up to total figure owed at zero 

interest (never mind the interest). Obviously, cascading payments change that but this is hard to 

show without the full cascading repayment schedule. 

The High Court then focused on the fact that the Magistrate had reduced interest from 17.5 % to 

0% without the creditor agreeing to this/ proposing this. This is not in line with the powers set 

out in the National Credit Act regarding debt restructuring. 

Next discussed was the irregular manner in which the interest rate was just changed back to

17.5% and how this hadn’t take into consideration the effect on the other creditors. 

As a result of these facts the High Court ordered that the 2014 debt restructuring court order be 

set aside. And that the Jan 2015 court order changing interest back to 17.5 % be set aside. 

Next 2 declaratory orders were made: 

DECLARATORY ORDER #1: 

It was ordered that a Magistrates Court must not change a contractually “agreed” interest rate. 

Obviously this needs to be taken in context since the recent Declaratory Order (made prior to 

this case in March 2015) Van der Hoven Attorneys v The National Credit Regulator and 4 others 

states that where parties do agree to a reduction it (the interest rate) can be included in the court 

order. This would be due to changes to the “agreed” amended agreement between the parties. 

Nedbank have issued a statement to the same effect that the law is very clear that, where the 

parties have reached an agreement with regards to the re-arrangement of a debt , that any court 

hearing the matter has the authority to grant such an order. 

DECLARATORY ORDER #2: 

It was ordered that a rearrangement proposal in terms of NCA S86(7)(c) which pays (monthly) 

less than interest rate increase amount (monthly) doesn’t match the purpose of the NCA and 

would be “ultra vires” and a Magistrates Court has no jurisdiction to grant such an order. 

This makes sense when enough funds are available to match the interest portion. In this case 

clearly at first no such available funds. 

QUESTIONS TO CONSIDER: 

Such an order could effectively remove debt review as a legal right from those who have too 

little in total to cover full un-adjusted interest portions toward their credit agreements even if 

over indebted. 

Admittedly there is less short term benefit to the credit provider if the consumers debt continues 

to grow over time (with the safety net of Sect 103(5) in duplum which insures that a credit 

provider gets the full legal limit of recovery from a defaulting consumer). 

If all credit providers decided to refuse to change interest rates (which would be their right) most 

debt restructuring proposals would probably fall into such a case (where someone, somewhere 

among the creditors is getting less than the interest amounts as the debt grows to the legally 

built in Sect 103(5) in duplum limit).

However this declaratory order makes no allowance for increased payments over time though 

low at first. Eg a consumer who is receiving a salary increase, at a time shortly after the order 

would be made, which would drastically increase the monthly repayment amounts. 

OTHER OPTIONS A COURT WOULD HAVE IN SUCH A CASE: 

Though it can unilaterally change interest rates without consent a court can order that certain 

payment obligations are set aside for a brief time (eg if consumer loses job and is looking for 

new work). The focus of the NCA is not on monthly meeting of the obligation but “eventual” 

satisfaction of the debt. So, where consumers don’t have enough to cover the interest portion 

these debts could have their payments stopped for a while to allow other debts to be settled. 

The challenge would then be to decide who gets their money first in a fair manner. Not a great 

alternative really. 

So, it seems that with this second declaratory order there is potential conflict since the NCA 

lays importance on “eventual” satisfaction of the debt and not monthly satisfaction of interest 

amounts. Thus the NCA has built in protections for consumers and creditors such as NCA Section 

103(5). 

There is little doubt that Nedbank V Norris (& Magistrate Dumani N.O.) will be referenced in 

future cases so Debt Counsellors and Attorneys should become familiar with it. 

Fortunately Nedbank and Mr Norris have already come to an agreement about his debt. 

The debt restructuring court order has been set aside, but a payment plan is in place. 

PS. If Mr Norris were to switch credit life products to companies such as ONE|SURE his monthly 

credit life cover on that debt would only be R317.70.

South Africa’s 

leading Debt Counsellors

DEBT REVIEW 

Q & A WITH NDA! 

Having a Debt Counsellor assess your financial health to see if you qualify for 

debt review is a positive first step towards paying back your credit providers and 

becoming debt free. But some people are still apprehensive about debt review 

and that’s why NDA have compiled an insightful, to-the-point Q & A to clear up 

any doubts. 

1. I’m worried about debt review fees. Won’t I just rack up more debt? 

Debt review fees are regulated by the National Credit Regulator (NCR) to stop unscrupulous 

Debt Counsellors from charging consumers excessive rates and tariffs for debt review services. 

NDA is an official NCR-registered debt counselling firm. We always ensure our clients can afford 

their living expenses, monthly instalments and our fees comfortably, without struggling. 

2. Can I take out more credit while I’m under debt review? 

Not until you have settled all of your debts and received a clearance certificate. Which is really a 

good thing if you think about it! Debt review is an official, proven way of rehabilitating consumers 

into the credit market, which means you’ll be able to apply for credit upon completion. 

3. Does debt review take forever and a day to complete, as the rumours suggest? 

Debt review does involve extending your repayment term. But, it also means that your credit 

providers will reduce your monthly instalments and interest rates now. This will allow you to 

keep up with your payments and maintain a normal standard of living, instead of barely scraping 

by each month. 

4. Will my house and car be protected while I’m under debt review? 

As soon as we notify your credit providers that you are under debt review, they won’t be able 

to take legal action against you. Meaning, your home, car and other valuable assets will be 

protected. We hope this clears things up for anyone who is still unsure about entering debt 

review. I’m sure you will agree the pros of debt review really do outweigh the cons! 

To find out if you qualify for debt review with National Debt Advisors, get in touch at: 

http://nationaldebtadvisors.co.za/contact-us/

Storm Horstead 

My name is Storm Horstead. I am twenty one years of 

age, studying a Bachelor of Commerce in Marketing and 

Management. 

I am passionate about business and finance. I have recently 

been employed full time as an agent based in Kwa-Zulu 

Natal. I could not have wished for a better start to my 

business career as I have been blessed with the opportunity 

to work alongside extremely experienced and talented staff 

at DC Partner. 

The debt review industry is one which incorporates business, the distribution of funds and 

helping over indebted people across the county. It is my goal to help as many people along the 

way as possible. My main function is to provide a service to Debt Counsellors, train them on our 

programs and help them wherever needed. Due to effective and consistent training provided 

to Debt Counsellors from DC Partner and myself I believe our DCs are able to provide a better 

service to their clients. 

DC Partner is a PDA ( Payment Distribution Agency) and this also one of the reasons I entered this 

industry as it involves the distribution of small to tremendously large amounts of money which 

are paid from the consumer to the creditors. DC Partner has been distributing funds for over 9 

years now. They come highly recommended. I have always wanted to work for a big corporate 

company such as DC Partner.î 

www.dcpartner.co.za

IN A NUTSHELL 

DEBT COUNSELLING 

CAN MAKE A POSITIVE 

ECONOMIC IMPACT

Minister Pravin Gordhan’s 2016 budget speech earlier this year 

reiterated the following statement several times “We are resilient, 

we are committed, we are resourceful”. He chose to repeat this 

statement no less than five times during his budget address. 

An address whose message was primarily hopeful. Times are 

tough, but South Africans are resilient, and if we are committed 

as a nation we can find creative and resourceful ways to improve 

our economic future. 

Characterising these tough times is the fragile business confidence in the region, the concern 

and theory that our debt will soon be given junk status, and the impact of the current severe 

drought. Our weak forecast of economic growth at only 0,9% further exacerbates this sentiment. 

Investopedia describes ‘economic growth as an increase in the capacity of an economy to 

produce goods and services.’ Economic growth is a measure of a country’s productivity, and its 

ability to increase revenue. If revenue is under pressure and costs are increasing then the only 

way to avoid the debt trap in the short-term is to curb costs. 

South Africa as a country much like its citizens spends more than it earns. To make up the shortfall, 

South Africa needs to borrow R139 billion, which is equivalent to 3.4% of the Gross Domestic 

Profit (GDP). Similarly, based on the latest statistics from the National Credit Regulator (NCR) 

close to 50% of South Africans are over-indebted, which means they spend more than they earn. 

Minster Pravin Gordhan did not offer much regarding consumer relief. Although the lower to 

middle-income groups will gain a personal income tax relief of R5.5 billion, this is a marginal 

amount on an individual basis. Here are two examples, an individual earning a modest salary 

of R8,000 per month will gain an annual relief of R243. An individual earning R25,000 per will 

gain an annual relief of R1,206. These marginal gains will be eroded by the rising costs of living, 

driven by increases in the fuel price, electricity, interest rates and the decline in the exchange 

rate. Inflation is expected to be in the region of 6.8%. The general fuel levy will be raised by 30c/ 

litre to R2.85/l for petrol and R2.70/l for diesel. Most goods are transported by road which means 

that this will impact food prices and other goods. The National Energy Regulator (Nersa) recently 

announced that electricity prices will be increasing by 9.4% from April 2016. Before consumers 

reach for that glass of wine or beer to drown their sorrows, sin tax is going up as well, meaning 

that the prices on alcoholic beverages and tobacco products are also increasing between 6% to 

8%.

For consumers to keep their heads above water, they will need to reassess their budgets and kerb 

expenses where possible. Budgeting and budget monitoring become crucial in tough economic 

times. 

Consumers who battle to meet their debt obligations and are at risk of losing their homes and 

cars need to consider debt counselling as an option. The latest Credit Bureau statistics for the 

quarter ending Sep 2015 indicate that of the over 23 million credit active consumers, 9.91 million 

have impaired credit records. An impaired record means that a consumer is more than three 

months in arrears on payments. 

At this time in our economy, it is necessary that all South Africans take responsible and resourceful 

steps to improve their financial situation. Overindebtedness adds to the costs of borrowing 

money for all borrowers in the economy. If borrowers were to borrow and repay responsibly, it 

would free up more capital for investment. 

Debt Counsellors have a very important role to play in helping overindebted consumers 

budget responsibly, educating them on the benefits of debt counselling and encouraging their 

commitment to the debt review process. 

Consumers that are already under debt review should have an annual review with their debt 

counsellor to reassess their budgets in light of the expected increase in the cost of living. 

As South Africans, we are resilient, we are committed, we are resourceful. But we all need to work 

together to achieve financial freedom. 

If you’re a Debt Counsellor, consider sharing this article with your clients. 

IN A NUTSHELL is brought you by the DCM Business Partnership Programme, designed to 

support debt counsellors and consumers during the debt review process, in collaboration with 

the National Payment Distribution Agency (NPDA). For help, contact the NPDA on 0861 628 628. 

If you have suggestions for topics that you would like covered in future, please email info@dcmgroup.co.za 

The NPDA was recognised as the industry winner for PAYMENT DISTRIBUTION and Care Premier as the industry 

winner for DEBT COUNSELLING SOFTWARE at the Debt Review Awards 2015.

NCR WORKSHOP 

The National Credit Regulator recently began a series of 

workshops for Debt Counsellors (and Credit Providers) across 

the country. The workshop is an opportunity for registrants to 

network and be briefed by the NCR on their plans and recent 

industry trends. Debtfree reports on the Recent Workshop held 

in Cape Town. 

Ms. Tshepa Molefi acted as Chairperson for the day and in the morning introduced Ms. Kedilatile 

Legodi (who is Manager of the NCR’s Debt Counselling Department) to welcome everyone 

and set out the agenda for the day. Ms Legodi said in her opening remarks that she hoped the 

workshop would inspire, excite and challenge those attending. 

The first speaker for the day was ms Mmbatho Senyarelo of the NCR Investigations and 

Enforcement Department. She discussed some recent NCR labelled “raids” on large debt 

counselling firms in Cape Town. Since these so called raids nothing has happened and members 

of the audience were no doubt curious to find out what was happening and why there had 

been raids as opposed to the normal monitoring visits. Ms Senyarelo said that raids do not 

necessarily mean there were violations by the Debt Counsellors. She stated that in some cases 

no contraventions were found. She went on to say that referral of contraventions to the National 

Consumer Tribunal was also not automatic. Even if matters were referred to the NCT the NCR 

would still engage with these firms to resolve matters. She did however state that some of the 

firms (plural) who had been raided have been referred to the NCT. This has not previously been 

public knowledge.

After vaguely fielding questions about why the NCR were lax on taking action against debt 

mediators (debt review outside of the NCA) and ADRAs who offered debt review-like services, 

outside of what they were allowed to do, she mentioned that a recent raid in Limpopo had 

resulted in the DC being referred to the NCT. 

Ms Georgina Kgadima next spoke on behalf of the NCR monitoring office. Ms Kgadima spoke 

on the topic of Debt Counsellors cancelling appointments last minute and how the NCR have a 

problem with the promotion of debt review over the phone or via a call centre set up. This was 

one of the first times that the NCR have somewhat defined what they are concerned about when 

it comes to consumers dealing with call centres. The NCR even has a billboard campaign costing 

thousands and the reasons have never been clear as to why they disapprove. It seems that some 

of the concern is over consumers being contacted (not contacting a DC themselves) and told 

about debt review. In some cases, consumers have been signed up for debt review without 

making a proper commitment to the process. Later such consumers ,who go looking for further 

credit, find they cannot get it as they are now registered with the NCR. They then contact the 

NCR, creating more work for the NCR in trying to sort the matter out. 

POPI IGNORED? 

An interesting question was raised in regard to POPI violation when the NCR arrives at a Debt 

Counsellors Office and asks to see consumers private and confidential information without 

consent from the consumer. Ms Kgadima indicated that waiting for permission from such 

consumers would make it hard for the NCR to monitor timeously and thus “it would not work” 

for them. No real resolution was reached about if this represented a POPI violation or not. 

Magistrate Mannie Van Reenen (of the Bellville Magistrates Court) presented regarding the 

2009 Declaratory Order and more recent court matters including FNB v Barnardt (where the DC 

was ordered to pay costs) and Nedbank v Norris & Magistrate Dumani (where the High Court 

said the Magistrate should never have unilaterally changed interest rates without consent). He 

discussed how he likes applications to look and stated;” I am not a difficult Magistrate”. 

After a presentation by Ms Lizelle Squirra ( NCR Registrations & Compliance) regarding affordability 

assessments Ms Celancia Froneman of the new African Bank (formerly known as African Bank) 

discussed the recent organisational changes at African Bank. Recently the Bank has split into 

Residual Debt Services and the all new African Bank. African Bank will collect on behalf of Residual 

Debt Services so little will change from a consumer perspective. She did however explain the 

changes that may be needed for court documentation in regard to registration numbers and 

phrasing that may be needed to clarify who was who. She also had the opportunity to review the 

new look African Bank CoBs which will help clarify which debt is with whom. 

Lunch was a busy affair with lots of opportunities to mingle and engage with various displaying

service providers and registrants. The various PDAs were in attendance as well as several banks 

and ONE|SURE. 

After lunch it was down to the serious business as Mr Graham Bellairs and Ms Yusria Cornelius 

presented on behalf of the Cape Law Society. The topic of the hour is something called “fee 

sharing” between Debt Counsellors and Attorneys. They discussed several ways in which some 

firms are using funds from one consumer to help cover the legal fee costs of another consumer 

or where the Debt Counsellor does not use the funds exclusively for legal work or where the 

legal firm may reimburse the Debt Counsellor in some way. Their message was clear: fee sharing 

is illegal. 

Ms Cornelius mentioned that some attorneys have not been able to get work from Debt 

Counselling firms because they refuse to share fees in some way. The NCR and the Law Society 

have met and will issue a joint statement on the topic shortly. 

Ms Cornelius mentioned that Debt Counsellors can do legal work and prepare documentation 

etc (they are the applicant) but they simply must not charge for the work (unless it is legal work 

for the NCT where the NCR has said that Debt Counsellors can charge a “legal fee”). 

Where the presentation had been going strong (if somewhat stern) things next turned sour as 

Ms Cornelius made seemingly condescending comments about longstanding Debt Counsellor 

Mr John Steyn’s contribution in helping establish the now commonly used debt review court 

application documentation. These were not well received and the meeting almost came to a halt 

among the raised voices, hushed boos and heckling. Ms Kedilitile Legodi apologised on behalf 

of the Cape Law Society and managed to get things back under control, though some people 

began to leave at that point. 

Ms Senyarelo next took the podium again to discuss the NCRs complaints process. The NCR 

are trying to resolve complaints within 14 days and she discussed the steps the NCR use in this 

process. Interestingly as per the NCA the NCR are not required (or supposed) to resolve matters 

only consider and the refer them to the relevant body to do so. 

PDAs have been a hot topic with the recent deadline for the PDAs to register with the NCR 

happening at this time. Ms Legodi discussed how out of all consumers the NCR think are under 

debt review only half make use of a PDA. On average consumers making use of a PDA make 

payments around R4500 monthly and each month the PDAs pay over R569 Million to credit 

providers. It came out during the day that only registered PDAs have to charge according to the 

new fee structure and that none of the PDAs registrations had been finalised (Debt Counsellors 

often wait between 6 to 9 months for their registrations to come through) yet. Thus none of the 

current PDAs had changed their fee structure yet.

Mr. Peter Michaels made a spirited presentation toward the close of the day and broached the 

topic of recent industry updates in the wake of the amendments to the NCA last year. He also 

touched on all the sub committees being formed by the NCR organised Credit Industry Forum 

(CIF). Some of the upcoming projects include: Section 103(5), Clarity on Withdrawal Guidelines, 

End Balance Disputes, the NCR Debt Help System, PBLs, Reckless Lending Process (when 

complaints/allegations are made to the NCR). He also touched on the recent court judgements 

regarding debt review. In one case a DC was forced to pay fees partially because they followed 

the NCR’s guideline on fees and caused the consumers vehicle to go into default (among other 

issues). He lightly glossed over that as he focussed on how there had been no plan (within the 

60 days of review) to sell the consumers second house. He also touched on the Nedbank v Norris 

& Mag. Dumani case. The NCR feel that where the credit provider and consumer agree to lower 

the interest rates not doing so would prejudice the consumer. 

The NCR trying to figure out why consumers are wanting to/ are changing Debt Counsellors so 

much. It is causing havoc with their NCR Debt Help system and making lots of work for them. It 

also was said that Debt Counsellor training material has been updated in line with amendments 

to the NCA. Very exciting was a comment that the NCR will soon be releasing a very pro debt 

review brochure. 

Ms Legodi closed out the day by discouraging credit providers from reckless credit granting and 

saying the NCR want to see consumers maximising the use of debt review to address debt. 

THE GOOD, THE BAD AND THE UGLY 

GOOD 

The venue and large number of attendees was great. Ms Legodi said that there will be a review 

of Debt Counselling fees (no indication of when and by who). 

BAD 

The NCR indicated that as per rumour they wish to take their non binding guidelines and try 

squeeze them into the Debt Counsellor conditions of registration (thus making them binding). 

This will no doubt lead to lots of applications to the NCT contesting this. 

UGLY 

The Cape Law Society presentation started out strong but ended ugly.

FNB WORKSHOP 

GAUTENG 

It can happen that when dealing with a consumer’s debt situation Debt Counsellors and Credit 

Providers take opposite views on the same account. This can occasionally lead to some conflict. 

This is why relationship building is so vital in maintaining a professional industry. Workshops held 

by credit providers make it possible for them to meet and engage with Debt Counsellors and 

reduce difference in understanding of their processes. This can in turn reduce possible causes 

for conflict. 

Recently, FNB held such a conference with Debt Counsellors in Gauteng. Topics ranged from 

Annual Reviews (where DCs check on a consumers situation) to FNB’s outreach programs. 

When it comes to annual reviews credit providers often hope that consumers will have received 

increases that outstrip the increased cost of living. This is sadly seldom the case but FNB feel it is 

an important step for both themselves and Debt Counsellors to try in order to try help consumers 

shorten their time under debt review, if possible. 

NEW PROJECTS 

FNB are busy sending notices long in advance of any possible 86(10) Termination letters. This pretermination 

project helps reduce unnecessary extra work for all parties by identifying where wires 

may be getting crossed. It was stressed that DCs should please send as much documentation to 

support any replies as possible to speed things along. 

FNB are also trying to clean up their files on certain clients and may contact DCs in regard to 

missing documentation. They ask that DCs help them and not get upset even if they have sent 

these documents before. They hope that they will get good co-operation with this project. 

Another very exciting project is FNB sending out balances to DCs for FNB products. This is still in 

the pilot phase but could help reduce end balance differences and speed up issuing of clearance 

certificates greatly. 

Attending Debt Counsellors benefited, as always, from the well run workshop and look forward 

to engaging with FNB with now increased understanding of recent trends at FNB. FNB plan to 

hold similar workshops across the country over time in an ongoing commitment to engaging 

with Debt Counsellors.


COMMUNITY SUPPORT 


COMMUNITY SUPPORT 

With the help of our generous sponsors DCCS was able to assist vulnerable debt review families 

from across SA to get their kids back to school with all the needed stationery and school 

goodies. We want to thank both our sponsors and those DCs in the community who helped 

identify these families. 

If you would like to get involved and help keep hard working, regularly paying, responsible 

debt review families in the debt review process please feel free to contact us on 

info@dccsupport.co.za 

www.DCCSupport.co.za

DEBT COUNSELLORS ASSOCIATIONS 

ANNOUNCEMENT BOARD 

Free State Friday, 29 April 2016 

KZN Friday, 20th May 2016 

Western Cape Tuesday, 24th May 2016 

Gauteng Wednesday, 18th May 2016 

Eastern Cape Friday, 15th April 2016 

32 Billion to be paid by US Banksters 

http://news.acts.co.za/blog/2016/02/morganstanley-to-pay-32bn-over-flawed-mortgage-loans 

Please RSVP to dcasa@dcasa.co.za for further details. 

www.dcasa.co.za 

www.newera.org.za 

National Elective Conference will be held in KZN on 

the 8th and 9th of April. 

Members are invited to attend (and vote). 

Please RSVP 

We recently held a regional meeting in W Cape 

and plan to hold our AGM or regional meeting in 

Bloemfontein during April. 

Members should contact zune@allprodc.org 

for more info 

www.bdcf.co.za 

www.allprodc.org

MARCH 

Old way of calculating max interest rate 

Repo rate effective from Repo Factor Add on Maximum interest 

rate 

New way of calculating max interest rate 

Factor Add on Maximum interest 

rate 

17 Maart 2016 7 01 May 2016 

Prime rate 10,5 

Mortgage agreements 7 2,2 5 20,4 0 12 19,00 per annum 

Credit Facilities 7 2,2 10 25,4 1,7 10 21,90 per annum 

Unsecured credit transactions 7 2,2 20 27 1,7 15 26,90 per annum 

Developmental credit 7 2,2 20 35,4 1,7 23 34,90 per annum 

Short term credit transactions 

1st loan 7 5% 5% per month 


2nd loan and more 7 5% 3% per month 

Other credit agreements 7 2,2 10 25,4 0 17 24,00 per annum 

Incidental credit agreements 7 2% 2% per month 

Fees Old New 

Mortgage agreements R1 000 per agreement plus 10% of the amount in excess of 10 00 

but never more than R 5 000 

Credit Facilities 

R150 per agreement plus 10% of the amount in excess of 10 00 but 

never more than R 1 000 

Unsecured credit transactions R150 per agreement plus 10% of the amount in excess of 10 00 but 


Developmental credit 



Developmental credit 

agreement for low income 

housing 


1st loan 


2nd loan and more 

Other credit agreements 




never more than R1 000 





Incidental credit agreements None None 

R1 100 per agreement plus 10% of the amount in excess of 10 00 but never 

more than R 5 250 

R165 per agreement plus 10% of the amount in excess of 10 00 but never 









more than R1 050 





CONTACT DETAILS 

FORUM: www.debtconcern.webs.com / WEBSITE: www.allprodc.org / 

FACEBOOK: www.facebook.com/AllProDC / TWITTER: www.twitter.com/AllProDC

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

National Debt Advisors 

Fighting For Consumer Justice 

Tel: 021 007 1688 

www.nationaldebtadvisors.co.za 

Credit Matters 

South Africa’s Leading 

Debt Counsellors 

14th Floor, The Pinnacle 

Cnr Strand & Burg St 

Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 

info@creditmatters.co.za 

GAUTENG 

Armani Debt Counselling 

Take the First Step 

to Financial Freedom 

Tania Dekker 

Tel: 011 849 3654 / 7659 

www.armanigroup.co.za 

Dynamix Debt Counselling TLC 

Alida Christie NCRDC2324 

Office 1, 34 Beefwoodstreet, 

Vanderbijlpark, 1911 

Tel: 079 520 4369 

Tel: 016 100 8020 

tlcdebt@mweb.co.za

Specialist Debt Management Centre 

Beverley Ludick, NCRDC948 

Pretoria 

Tel: 012 377-3557 

Email: obligco@gmail.com 

Email: dc@obligco.co.za 

www.obligco.co.za Tel: 0861 123 644 

Email: info@debtrescue.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 

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



Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


KWAZULU- 

NATAL 

Tel: 0861 123 644 

Email: info@debtrescue.co.za



Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


FREE STATE 

Tel: 0861 123 644 




Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


LIMPOPO 

SMS Salary Management Services 

Annerien de Jager 

Registered Debt Counsellor 

NCRDC0075 

015 307 2772 

info@smslimpopo.co.za 

Tel: 0861 123 644 




Tel: 021 007 1688 


Tel: 0861 123 644 

Email: info@debtrescue.co.za 

MPUMALANGA 






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 


NORTH WEST 

Tel: 0861 123 644 




Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


NORTHERN CAPE 

Tel: 0861 123 644 




Tel: 021 007 1688 







Cape Town 

Tel: 086 111 6197 

Fax: 021 425 6292 


EASTERN CAPE 

Debt Counselling Group SA 

Affordable Assistance with offices across 

the EASTERN CAPE. 

Casper Francois le Grange 

NCRDC 1560 / CALL: 086 100 1047 

Offices: 

East London: Shop 7, New Colonnade 

Building, Devereux Av, Vincent 

Port Elizabeth: Room 302, Pier 14, 444 

Goven Mbeki Av, North End 

Queenstown: Office 107, Nedbank 

Building, 89 Cathcart Road 

King Williams Town: Office 4, 49 Eales 

Street 

E-mail: help@dcgsa.co.za 

www.dcgsa.co.za 

www.facebook.com/dcg.southafrica 

Tel: 0861 123 644 


DON’T WORK WITH AN OUT 

DATED VERSION OF THE ACT 

UPDATED 

2015 

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/

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 (NCRDC 2210) 

Tel. (021) 826-2699 

etienne@financialfreedomsolutions.co.za 

www.financialfreedomsolutions.co.za

CONSUMER 

& Solution Centre 

NCRDC2452 

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 

DEBT REVIEW AND 

SUPPORT CENTRE 

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 

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 

Debt Budget 

One Monthly Payment For All Your Debt 

Bruce Leslie Borez 

NCRDC1643 

52 Church Street, 

“NBS Building”,Wynberg 

Tel: 021 824 8885 

www.debtbudget.co.za

WESTERN CAPE 

Tel: 0861 123 644 


don’t be a twit 

http://twitter.com/Debtfree_DIGI

SUPPORT SERVICES 

Akani Solutions 

Information Data Solutions 

lana Van Herwaarde, 

DC Operation Centre (PTY) 

Tel: 0867227405 Email: 

info@dcoperations.co.za 

www.dcoperations.co.za 

Credit Report App 

Access Your Credit Bureau Report 

Instantly on Your Phone 

DCs help your clients use it during 

application & to protect their ID 

ID Protector 

Detect ID Theft or possible ID Fraud 

Subscribers notified by SMS when number is activated 

DEBT 

086 126 6562 

debt@one.za.com 

www.one.za.com 

info@akanisolutions.co.za 

www.akanisolutions.co.za

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 

COMING SOON 

CREDIT BUREAUS

PAYMENT DISTRIBUTION AGENCIES 

DC Partner 

044 873 4530 

Hyphen PDA 

011 303 0060 

NPDA 

0861 628 628

Telephone: 031 251 4150 

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 

nca@consumerfriend.co.za 

proposal@consumerfriend.co.za 

court@consumerfriend.co.za 

queries@consumerfriend.co.za 

terminations@consumerfriend.co.za 

ESCELATION 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.

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

FNB Debt Review Centre Escalation Process 

FIRST POINT OF CONTACT VIA THE FOLLOWING MEANS: 

Call Centre: 087 730 1166 

Email: FRBDebtReviewCentre@firstrand.co.za 

Fax: 086 011 7532 

FIRST ESCALATION – AFTER 48 HOURS: 

Onboarding - New applications and Certificates of Balance: 

Kagiso Tlhoaele – KTlhoaele@fnb.co.za 

Document Management – Sorting & Uploading, Indexing, campaigns 

Zanobia Phillips – Zanobia.Phillips@fnb.co.za 

Queries: Charlene Antoni – CAntoni@fnb.co.za 

Call Centre: Charlene Antoni – CAntoni@fnb.co.za 

Terminations, Re-instatements and Missing Payments: 

Zanele Masilela –MasilelaZ@fnb.co.za 

Pro-Rata Proposals: Pamella Sithole – Pamella.Sithole@fnb.co.za 

DCRS and Final Proposals: Sabelo Mkabela – SMkabela@fnb.co.za 

Notices of Set Down/Instructions: Abraham Booysen - BooysenA@fnb.co.za 

Court Orders/Reviews: Joyce Machethe - JMachethe@fnb.co.za 

SECOND ESCALATION – AFTER 72 HOURS: 

New applications, Certificate of Balance, Queries and Call Centre: 

Karen van Musschenbroek – KVanMusschenbroek@fnb.co.za 

Withdrawals, Terminations,Re-instatements and Missing Payments: 

Faadiel Toffie – FToffie@fnb.co.za 

Proposals, Notices and Court Orders: 

Karen van Musschenbroek – KVanMusschenbroek@fnb.co.za 

THIRD ESCALATION: 

Athaly Khan – AKhan5@fnb.co.za

DC Query Process DC Query Process 

www.nedbank.co.za

AFRICAN BANK CONTACT DETAILS 

011 256 9323 

DebtCounselling@africanbank.co.za 

ESCALATION PROCESS 

COMING 

SOON

Debtfree DIGI March 2016

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