Issue 7 of 2020 - debtfreedigi.co.za · Temporary Disability Cover* Critical Illness Cover *...

Issue 7 of 2020

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EXCELLENCE IS DOINGORDINARY THINGS EXTRAORDINARILY WELL – John W. Gardner

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FROM THE EDITORIf 2020 were a foot race, we would have just passed the half-way mark. We would be feeling very proud of ourselves for making it this far. Cheers, pats on the back and applause all round, well done us!!!

Although we are just over half way through 2020, we can’t congratulate ourselves just yet. When we look back at 2020, our freshest memories are of the pandemic and economic fallout from the national lockdown. We are not sure where/when exactly the finish line is for these two things, and this steals away from our positive accomplishments. We don’t know if we are heading towards greater hardship in 2021 or hopefully, some relief from the stress, pressure and tragedy. So, for now, we tiptoe with trepidation into the second half of the year, and simply hope for the best.Despite our new unfamiliar reality of living through a global pandemic, things are still progressing and fluctuating, the world is not on pause, waiting for 2021. Banks have introduced new processes, repo rates have been adjusted, and businesses are being bought and sold.

The world is still spinning, although you might be feeling out of sync, somewhat disconnected from our new reality.

What the industry is seeing, is a slow increase in debt review applications. While earlier, these had dropped off to next to nothing, they have once again shot up, and this makes sense. The banks’ payment holidays are soon coming to a close and consumers have seen the true extent of how the lockdown has impacted their finances.

The annual Debt Review Awards peer reviews have resumed, these reviews were temporarily halted during the initial stages of the lockdown but have since resumed and will soon come to a close. Then it will be time to announce the results. So, this issue we delve into the Debt Review Awards Peer Review and how it works. We will look at how the results will be announced (and celebrated) this year despite the pandemic and lockdown restrictions.

As we all struggle onwards through the months ahead, let us try, as an industry, to keep as many people in debt review as possible, to offer more people than ever the relief that debt review brings and to help cheer one another along this complicated and tricky journey that will lead to the finish line of becoming debt free.

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CONTENTS

NEWS

CREDIT PROVIDERS VS CONSUMERS

HOST YOUR OWN INTERNAL

AWARDS

SERVICE DIRECTORY

DEBT REVIEW AWARDS

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.

DISCLAIMER

BREAKINGNEWS

POPI WORKSHOP BY ONEWith less than 1 year to go before PoPI Act comes into full force in SA the need to get complaint has never been more urgent. However, even after years of build up there remains a lot of uncertainty about how the provisions of the Act will impact on Debt Counsellors day to day businesses. This is one reason why ONE (who provide specialist insurance to consumers under debt review, as well as a huge range of other insurance products, hosted an online workshop this month about PoPIA. Be sure to visit the Debtfree website to watch the video of the webinar.

REPO RATE REDUCEDDuring July 2020 the SARB Governor Lesetja Kganyago announced that the repo rate would be cut by another 25 basis points bringing the rate down to only 3.50%. This is good news for credit users since the banks link their lending interest rates to this repo rate. The lower that rate is, the less interest consumers end up paying for their existing credit.

DEBT REVIEW AWARDSDATE ANNOUNCEDThis year, due to the current pandemic, the announcements of the results of the industry wide Debt Review Awards Peer Review will be made online. The event will be live streamed on September 11th (a rather easy to remember date). All in the industry are invited to join the event online, which will run throughout the day with the announcements of the peer review results late afternoon.

NCR SETS A DATE FOR MISSED 2020 STATUARY RETURNSEarlier this year, the NCR extended the date for registrants to submit statistical reports till the lockdown ended. Now, with the lockdown going on for a long time, they have reviewed that decision and rather ask for the missing reports to be submitted by 31st August 2020. This includes Form 39 (for credit providers), Form 42 (for Debt Counsellors), Form 44 (for credit bureaus) and Form 45s (for insurers).

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TERS EXTENDED FOR 6 MORE WEEKSIn some much needed good news to employers and employees, Government has announced the Covid-19 Temporary Employee Relief Scheme (TERS) benefit has been extended till 15th August 2020. Initially, the benefit was set to only run during April, May and June 2020. Since April 2020 around R30 Billion has already been distributed through the relief scheme to around 6.8 million workers. It is said that the UIF has another R10 billion available to use.

TYMEBANK MAY HAVE JUST HIT 2 MILLION CLIENTSTymeBank recently reported that they hit 1.9 million clients with over 150 000 new clients during lockdown in May 2020. Since they normally take on around 100 000 clients a month, they may have just hit an amazing 2 million clients since their launch in February 2019.

ABSA INTRODUCE NEW VERIFICATION PROCESSABSA Distressed Consumers has introduced a new measure to improve their POPI compliance by asking Debt Counsellors who call in to the centre to share the names of two other clients with them to varify that they have access to information about their clientele. Some Debt Counsellors worry that the process may go contrary to their own internal POPI practices by sharing information about other clients. Others are concerned that this information only gives ABSA confirmation that the person they are speaking to has data about the Debt Counsellor’s book and not who the person on the phone is themselves (eg. Traditionally security questions relate to personal information and not company information). ABSA are trying to stay ahead of the curve and implement these new processes as soon as possible since POPI will take full effect in 2021.

NCR LOOKS TO ESTABLISH A POOL OF DEBT COUNSELLORSThe National Credit Regulator (NCR) wants to find a pool of Debt Counsellors to handle clients of Debt Counsellors who are deregistered or whose registration has lapsed. Since 2007, only 23 different Debt Counsellors have had their registration with the NCR revoked by the National Consumer Tribunal. The NCR indicated in a recent Circular (8 of 2020) that they would look to distribute any such clients in a rotational way to all those on the panel. Debt Counsellors were given until the middle of July to sign up to be considered for the panel.

DEBT REVIEW AWARDS 2020

1

A LITTLE HISTORYDEBT REVIEW AWARDS 2020

In 2014 the debt review industry were invited to participate in the very first Annual Debt Review Awards. Panels of experts, drawn from across the industry, reviewed the performance of their industry peers and a small Awards gala was held in Cape Town where the results were announced and the first Golden Piggy Banks were handed out.

The Awards process is now in its 7th year and has been refined and improved over the years. While, in the past, the panels consisted of up to 50 people, now all those who are registered with the National Credit Regulator are able to participate in the review process. This means thousands of registrants can form part of the reviews.

RECOGNITION FOR HARD WORK


The peer reviews are done throughout the year (to help average out the results) and after being audited the results are then announced on the evening of the Debt Review Awards Gala. The Gala, though modest, has given those invited the opportunity to get dressed up, enjoy some good association, great entertainment and informative speeches about industry developments.

Those who receive the highest averaged results, across all the peer reviews through the year, receive recognition through this process at the Gala. Each year now over 50 different Debt Counsellors are recognized as well as various credit provider’s debt review departments in regard to various types of credit (eg. Home loans, Vehicle finance, short term credit etc). Their hard work and efforts in behalf of troubled consumers and in trying to improve the industry is recognized in a very public way. They can be proud that their peers are taking note of all their hard work and effort throughout the year.

WHO PARTICIPATES IN THE PEER REVIEWS?


Only those who are registered with the National Credit Regulator are eligible to be considered in the Debt Review Awards process.

This also includes the 4 registered Payment Distribution Agencies (CollectNet, DC Partner, Hyphen PDA, IPDA).

Though registrants do not need to sign up to the process to be considered (this happens though the year anyway) they do have to sign up to be eligible to take home the top honours at the Awards ceremony. If you would like to sign up you can do so here: www.debtreviewawards.co.za/sign-up-to-participate/

WHO REVIEWS WHO?DEBT REVIEW AWARDS 2020

It would be a very bad idea to let registrants who ‘compete’ on a business level with one another to review each other. They may be tempted to simply give poor reviews of their competition and they also do not interact with each other in a significant way in regard to each consumers’ matter.

This is why the Peer Reviews about credit providers are done by Debt Counsellors and the reviews of Debt Counsellors are done by credit providers. That way there is no incentive to hand out negative reviews out of spite or a sense of competition. By having large amounts of reviews for all the top candidates it also helps average out the results to eliminate any bias by any party or group of participants.

CHECKING THE NUMBERS


The entire process takes place online and computers crunch the numbers for the most part. The system has built in processes and question duplication to prevent any attempts to manipulate the process.

There is also a human auditing process which reviews who is signing in, what ratings they are giving, IP addresses, NCR registration numbers and more. After one final audit the results are printed out and added to Awards announcements cards to be opened on the night of the Gala.

ANNOUNCING THE RESULTS IN 2020


Pretty early on in 2020 it became obvious that things were going to have to change for the Debt Review Awards Gala. The idea of having a large group of hundreds of people all together while Covid-19 is around immediately seemed like a bad idea.

So, plans were put in place to source an online platform to announce the results to the industry and still capture some of the excitement of the live announcements of the results. The entertainers were approached about doing their performances online and speakers were also briefed. The wheels were put into motion and with the help of financial sponsors arrangements have been made.

Through the use of online software and primarily a live stream (to platforms like Youtube) the announcements of the results will be made this year on Friday September 11th 2020. This means that unlike in the past where only around 200 people could attend, now thousands from across the industry will be able to be part of the Awards event.

Please visit www.debtreviewawards.co.za for more information and follow social media for the links closer to the time. Debtfree Magazine will also be posting regular updates about how to log on and be part of the action.

RECOGNIZING INDIVIDUALS WITH THE HELP OF ONE


Over the last few years and with the help of the well respected insurance providers ONE, the Debt Review Awards has been able to recognize not only brands for their efforts but also many individuals who work in the industry. This includes attorneys, those who work at the Regulator, Associations and on Credit Providers and Debt Counsellor’s teams.

Over the years, winners of the ONE: Significant Contribution to Debt Review awards have included well known, hard working individuals like: Paul Slot (of DCASA), Denise Hartley (Nedbank at the time), Harry Greene (BASA), Neil Roets (Debt Rescue), Rob Easton Berry (Consumer Friend), Justin Van Der Linde (Consumer Friend), Luis Da Cruz (Wesbank), Stephan Van Der Hooven (Attorney), Chris Van der Straaten (Hyphen PDA), Morris Maluleke (NCR), Kershnee Naidoo (SBSA). We look forward to seeing who will be recognized this year.

YOUR OWN INTERNAL AWARDS?


A big part of the Debt Review Awards is to give individuals the recognition they deserve for all the hard work they are doing. At credit providers’ offices and Debt Counsellors’ practices across the country there are superstars who work hard every day to assist troubled consumers through tough times. They all deserve to be acknowledged.

Do you have staff members that you would like to give recognition for their hard work and efforts? Why not coordinate your own internal recognition of these staff members for the day of the Awards. There will be time for you to do so during the event. You can do so online with your remote working team or in person while observing social distancing protocols.

SEE YOU AT THE AWARDS SHOW


The Debt Review Awards offers an opportunity for an already hard working industry to stop for a second and figure out whether they are working to a high enough standard. It helps identify those companies and individuals who are going above and beyond, leading the way for others to follow and imitate.

It helps recognize that as an industry we can all strive to be the best and help consumers through debt review with passion and excellence.The organizers want to send a special thank you to the volunteers, generous sponsors, supporters and those participating in the Peer Reviews for all their input and invaluable support.

See everyone at the online show during September.

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DEBT REVIEW

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IF BEHIND ON CAR PAYMENTS

Contact a/your Debt Counsellor at once if approached by any collections person.

CREDIT PROVIDERS

VS CONSUMERS

ARE ALL THE PARTIES ON AN EVEN PLAYING FIELD?New court rulings from across the country are trying to give consumers a fighting chance to defend their matters at lower courts rather than at the very expensive High Court.

Any person that has ever required the services of an attorney will know that it is very expensive. To litigate a matter in a South African court costs thousands, and more often hundreds of thousands of rands and unfortunately all too often the party with the biggest wallet ‘wins’ the matter simply because the other party runs out of money and cannot afford to fight their matter any further, notwithstanding the merits and their chances of success.


THE FINE PRINTIn most, if not all, credit agreements consumers enter with credit providers there is a clause stating that the parties consent to the jurisdiction of the Magistrates court and that should the consumer breach the agreement the consumer will pay the credit providers legal costs on an attorney and client scale.


IMPORTANT LEGAL THINGS TO KNOWSouth Africa has the following courts namely, in order of their hierarchy, the Constitutional Court, The Supreme Court of Appeal, High Court’s (including any High Court of Appeal that may be established by an Act of Parliament to hear appeals from High Courts), Magistrate’s Court’s and any other court established or recognised in terms of an Act of Parliament (like the Small Claims Court of Labour Court).

Some of these courts have a monetary jurisdiction meaning the courts can only adjudicate over a matter if the claim amount is less than a certain monetary value, except if all the parties agree to that court adjudicating over the matter. The Magistrate’s Court can for example only adjudicate over a matter if the claim is less than R200 000.00 and the Regional Court R400 000.00. The High Court does not have a maximum monetary jurisdiction amount and has concurrent jurisdiction with any Magistrate’s Court, but are more expensive. In a civil action the plaintiff, as dominus litis (basically the captain of the boat), decides whom it wants to sue and where it wants to do so.


WHICH COURT TO USEThe question that has arose recently is why would a credit provider elect to issue summons in the High Court when the Magistrate’s Court also had jurisdiction over the matter and the costs would be a lot cheaper for both parties.

The answer it would seem was that certain Plaintiffs (credit providers in this case) were “forum shopping” and selecting courts where, in their opinion, they have a better chance of success, knowing that the Defendant (the poor consumer) does not have easy access to the court and it would be much more expensive for them to try fight their case. Choosing to use the more expensive High Courts was further sweetened by the fact that consumers would pay the credit provider’s very expensive costs (on an attorney and client scale if the credit provider wins the matter.

Luckily for consumers, under the National Credit Act (NCA) the courts seem to have become wise to the tactics of some of the Plaintiffs and have made it more difficult for Credit Providers to Forum shop.


GAUTENGOn 26 September 2018, the Gauteng Division of the High Court in Pretoria delivered judgment in In re: Nedbank Limited v Thobejane and related matters, which found that foreclosure proceedings falling within the monetary jurisdiction of the Magistrate’s Court must be referred to the Magistrate’s Court and not directly to the High Court. The court found that the Credit Providers should have instituted proceedings in the Magistrate’s Court that had jurisdiction and which was geographically located closer to the Consumers and was therefore generally more accessible and financially viable for the consumers.


EASTERN CAPEOn 30 July 2019, the Eastern Cape Division of the High Court in Grahamstown delivered a judgment in Nedbank Limited v Gqirana NO and Another; First Rand Bank Limited v Cornellisson and related matters found that consumers in matters involving credit agreements where the NCA is applicable, were usually historically disadvantaged individuals and that the right of access to court was important, as generally the Magistrate’s Courts would be the most appropriate forum for such individuals to access justice which is a right in terms of Section 34 of the constitution every person has.


WESTERN CAPEIn a more recent example, on 25 May 2020, the Western Cape High Court in Cape Town delivered a judgment in Standard Bank of SA Ltd v Kekana; Standard Bank of SA Ltd v Mbedu; and related matters confirming that the provisions of Section 29(1)(e) of the Magistrates’ Court Act, as read with Section 172(2) of the NCA, provides that the Magistrates’ Courts have jurisdiction over all National Credit Act matters whatever the monetary sum and should be the Court of first adjudication of all National Credit Act matters to the exclusion of the High Court as a Court of first adjudication (save only in the event that there are unusual or extraordinary factual or legal issues raised which in the opinion of the High Court warrant them being heard first in the High Court).


GREAT NEWS FOR CONSUMERSWith the most recent judgment confirming the previous decisions, it will likely be that all the High Courts in the other provinces will follow suit and not allow actions to be instituted in the High Court where it can be adjudicated by the Magistrate’s Court.

What this means is that this will enable consumers to have their day in court without it having to cost them an arm and a leg and will ensure better access to justice for all. It seems the courts themselves want to ensure that there is an even playing field for all.

Debtfree Magazine would like to thank Wessel Symington of Steyn Coetzee Attorneys for his help in creating this article.021 872 1968www.steyncoetzee.co.za


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WHEN YOUR COMPLAINT TO THE NCR GETS REJECTEDWhat options do you have if you complain about a Debt Counsellor to the NCR and they decide not to do anything about the matter?

Most people go through the entire debt review process without any need to complain about their credit providers, PDA or Debt Counsellors. In some cases small hiccups come along and these are easily sorted out with a phone call or a few emails and all is well.

No industry is perfect and no company or Counsellor will get things right 100% of the time. This is why some consumers do find that sometimes a problem comes along that they can’t resolve with the Debt Counsellor directly. In such a situation they may decide to take the complaint to the National Credit Regulator (NCR) who have authority over all Debt Counsellors in South Africa.

Hopefully then the situation is sorted out but what happens if you complain to the National Credit Regulator (NCR) about your Debt Counsellor and the NCR decides that the Debt Counsellor didn’t break any rules. What if you disagree with them and feel strongly that you need to get more help to fix the problem. What can you do? Do you have any other options?

SECTION 141(1)WHEN YOUR COMPLAINT TO THE NCR GETS REJECTED

If you find yourself in the unfortunate position where you have had to complain to the NCR about your Debt Counsellor but the NCR come back to you and say that they have had a look at the situation and they feel that the Debt Counsellor never broke any rules, you have several ways to take the matter further, if you feel unhappy with that decision.

One of the options you have can be found in Section 141(1) of the National Credit Act which reads as follows:

“141. (1) If the National Credit Regulator issues a notice of non-referral in response to a complaint other than a complaint concerning section 61 or an offence in terms of this Act, the complainant concerned may refer the matter directly to-(a) the consumer court of the province within which the complainant resides, or in which the respondent has its principal place of business in the Republic, subject to the provincial legislation governing the operation of that consumer court; or (b) the Tribunal, with the leave of the Tribunal.”

WHAT THIS MEANSDebtfree Magazine asked Attorney Rynhardt de Lange what this means and how it can be used by consumers in this situation.

If the NCR has made a finding that the Debt Counsellor has not broken any part of the National Credit Act they will let the consumer know. The next step for the consumer is to ask for a ‘Notice of Non-Referral’ from the NCR (which will be issued in terms of Section 139(1)(a) of the National Credit Act). This Notice is also known as a Form 31.

The Notice of Non-Referral is divided into three parts:

Part 1: The details of the parties involved in the complaint

Part 2: A summary of the complaint lodged by the consumer.

Part3: The NCR’s finding in respect of the complaint and the reasons for their decision.

WHEN YOUR COMPLAINT TO THE NCR GETS REJECTED

20 DAYSYou then have 20 business days to apply to the National Consumer Tribunal (NCT) to have the matter heard. If you miss this deadline you can still make a special request for the matter to be heard anyway which is called an application for “condonation” explaining why they took so long to apply to the NCT.

It is important to also let the Debt Counsellor know and serve them a copy of the application to the NCT. This gives them the chance to defend themselves (and otherwise the NCT will not hear the case if the application has not been properly served).

The Debt Counsellor will be issued with a Filing Notice from the National Consumer Tribunal once all documentation has been correctly submitted and served by the consumer. The Debt Counsellor will then have 15 business days to serve and file an Opposing Affidavit, setting out why they feel no mistakes were made or that no problems exist.


EXPERT HELPConsumers have the option to get legal help when making such an application and Debt Counsellors also can decide to make use of a legal representative who knows the NCA and is familiar with the rules and practice notes issued by the National Consumer Tribunal.

The matter will then be decided on by the NCT and a ruling made either for the consumer or the Debt Counsellor. Hopefully any problems will then be resolved.

Debtfree Magazine would like to thank Rynhardt de Lange for his help with this article.

De Lange AttorneysRynhardt de Lange (LLB) 083 951 [email protected]


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Welcome to our new facebook group members. If you are a Debt Counsellor

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These interviews, with some of the most prestigious virologists worldwide

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Debt Counsellors Collective

If you want your voice to be heard please feel free to email

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Catch up on our recent podcasts on the DCASA

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NCRDC197Tel: 011 660 9970Fax: 086 540 5017

KRUGERSDORPe-mail: [email protected]

www.nvdmdc.co.za

All Debt SolutionsFast tracking your financial freedomTel: 0861 255 3328 / 021-557 9981

Email: [email protected]://www.facebook.com/

alldebtsolutions

CCDCConsumer Care Is our Priority.

Tel: 018 462 4263 / 073 624 6949Email: [email protected]

www.ccdc.co.za

Financially stressed? We have lifted the financial burden of more than 150 000 South Africans.

[email protected] www.debtbusters.co.za

086 999 0606

Let DebtBusters be the champion in your corner.

MV Business Empowerment9 River RoadMorning HillBedfordview

(next to Eastgate mall)Tel: 083 490 3339

[email protected]

DEBT NO MORE - NCRDC1973

Christelle du Toit

Tel: 016 423 6301Cell: 083 321 6731FAX: 086 219 3306

Email: [email protected]

Pay off your debt in the shortest possible �me.

Expert free confiden�al advice at first consulta�on

Protect your assets from repossession

Save money without taking a loan

Stop threatening calls & le�ers

Start living your life again

082 927 7324

www.streamlinedebt.co.za

PETRA SWANEPOEL : NCRDC1963

[email protected]

GAUTENG

Get your own dedicated Debt Counsellor from beginning to end.

Our team of friendly & efficient support staff are ready toanswer your ques�ons.

021 204 4711

067 211 4913

[email protected]

www.debteezy.co.za

Pay off your debt in the shortest possible �me.

Expert free confiden�al advice at first consulta�on

Protect your assets from repossession

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082 927 7324

www.streamlinedebt.co.za

PETRA SWANEPOEL : NCRDC1963

[email protected]

Creators In Financial Wellbeing

NCRDC677You Are Not Alone

We’ll handle your creditors so you don’t have to!

1 Dingler Street, Rynfield, Benoni0861 10 11 00

[email protected]

One on one confidential counselling and advice to help you reduce and

clear your debts.

261 Surrey Avenue, Randburg, Gauteng

011 100 [email protected]

www.ctrldebtdelete.co.za

DELETEDEBTCTRL

Personal Professional service – no call centre

Your debt is our priority

Stop threatening calls from creditors & repossession of

your assets.



086 999 0606


Debt Review Specialists23 Coronation Road

MithanagarTongaat

4399Tel: 071 222 9481Tel: 032 944 3446

[email protected]

National Debt AdvisorsFighting For Consumer Justice

Tel: 021 007 1688 www.nationaldebtadvisors.co.za

The simple way to a debt free, stress free life!

DEBT COUNSELLING

FINANCIAL COACHING

MONEY MANAGEMENT

EMPLOYEE ASSISTANCE PROGRAMMES

031 303 3690 / 084 250 2356

[email protected]

www.debtfinesse.co.za

FINESSE FINANCIAL SOLUTIONS




Tel: 086 111 6197Fax: 021 425 6292

[email protected]

KWAZULU-NATAL



086 999 0606




021 204 4711

067 211 4913

[email protected]

www.debteezy.co.za

Get

debt reliefwith our

help today!

082 937 7874082 812 5442

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¨̈




Tel: 086 111 6197Fax: 021 425 6292

[email protected]

“Helping you the SMART way”

0860 061 008

[email protected]



086 999 0606





Tel: 086 111 6197Fax: 021 425 6292

[email protected]



FREE STATE



086 999 0606





Tel: 086 111 6197Fax: 021 425 6292

[email protected]




Tel: 086 111 6197Fax: 021 425 6292

[email protected]

LIMPOPO





086 999 0606


MPUMALANGA




Tel: 086 111 6197Fax: 021 425 6292

[email protected]



GMC Debt Solutions52 Kerk Street

LydenburgTel: 087 802 7054Tel: 087 151 1034

www.gmcdebtsolutions.co.za

We are passionate about helping people become

DEBT FREE!

022 713 3766

facebook.com/drsdebthelp

[email protected]

www.drs-debt-help.co.za

NCRDC1670


DEBT FREE!

022 713 3766


[email protected]


NCRDC1670



086 999 0606





Tel: 086 111 6197Fax: 021 425 6292

[email protected]

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: 0186320053Tel: 0877026744

Email: [email protected]

www.maaudebts.co.za



086 999 0606




086 999 0606





Tel: 086 111 6197Fax: 021 425 6292

[email protected]




Tel: 086 111 6197Fax: 021 425 6292

[email protected]



NORTHERN CAPE



086 999 0606





Tel: 086 111 6197Fax: 021 425 6292

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EASTERN CAPE



086 999 0606





Tel: 086 111 6197Fax: 021 425 6292

[email protected]

www.financialfreedomsolutions.co.za

Tel: 021 204 8001 • Email: [email protected]

CHOOSEYOUR

FINANCIALFREEDOM

TODAY

Drastically reduce your monthly debt repayments

Let US help 0861111863Regain control of your finances

www.debt-therapy.co.za

[email protected] www.financialfreedomsolutions.co.za



“There is no dignity quite soImpressive and No Independence

quite so important as Livingwithin your Means - Calvin Coolidge”

For your Convenience Our Range of Services are Availble to you Anywhere in

South Africa!

Jackie Coetzee079 317 8557022 713 2021

[email protected]

Jackie Coetzee

079 317 8557

" 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

Available to you Anywhere in South Africa!

[email protected]

WESTERN CAPE

ISISEKO DEBT HELPGet Your Life back on track

TEL: 087 230 0223FAX: 086 551 1649

EMAIL: [email protected]: www.isiseko.co.za

All Debt SolutionsFast tracking your financial freedomTel: 0861 255 3328 / 021-557 9981

Email: [email protected]://www.facebook.com/

alldebtsolutions




Tel: 086 111 6197Fax: 021 425 6292

[email protected]

NCRDC1142 No 2 Golden Isle Building

281 Durban Road, Oakdale,Bellville, 7535

Tel: 086 111 3749Email: [email protected]

www.zerodebt.co.za

WESTERN CAPE


DEBT FREE!

022 713 3766


[email protected]


NCRDC1670

DebtZenfor peace of mind

021 987 1835

021 987 2232

065 939 9886

[email protected]

www.debtzen.org

NCRD3032

NCRDC1142 No 2 Golden Isle Building

281 Durban Road, Oakdale,Bellville, 7535

Tel: 086 111 3749Email: [email protected]

www.zerodebt.co.za



086 999 0606


www.debtcentre.co.za

Your Guide to Financial Wellness and Recovery


WESTERN CAPE



021 204 4711

067 211 4913

[email protected]

www.debteezy.co.za



021 204 4711

067 211 4913

[email protected]

www.debteezy.co.za

“Helping you the SMART way”

0860 061 008

[email protected]

TDEBTDEBDD BTEDDEBT


www.cida.org.za

WE’LL CREATE A PLAN TO GET YOU OUT OF DEBT

011 394 8042

083 232 1908

admin@dcopera�ons.co.za

www.dcopera�ons.co.za

DC Opera�on Centre (PTY)

Services:

17.1, 17.2, Proposals

Court Applica�ons

Call Centre

Payment Division

Contact Elmarie

SUPPORT SERVICES011 451 00410860 072 768

www.dcmax.co.za

TRAININGCOMING SOON

086 126 6562 [email protected] www.one.za.com

INSURANCE

LEGAL

Liddles & Associates“It always seems impossible until it

is done” N. Mandela(T) 021 930 5790(F) 0866070940

(E) [email protected]

RM Brown and Associates 16th Floor, The Pinnacle


Tel: 021 202 1111, f: 021 425 0875 Email: [email protected]

Steyn Coetzee Attorneys / Prokureurs

Adri de Bruyn11 Market Street / Markstraat 11,

Paarl, 7646Tel: 021 872 1968Fax: 021 872 2678

[email protected]

www.embattornerys.co.za

We are a Port Elizabeth based law firm capable of assisting Debt Counsellor’s throughout South Africa with matters

within the following areas of jurisdiction:

Port Elizabeth;New Brighton;

Motherwell;Uitenhage;

Hankey;Jeffreys Bay; and

Humansdorp

082 974 0866

www.cvlaw.co.za

[email protected]

Xpert Decision Systems (XDS) South African information bureau.

Cape Town | Johannesburg

+27 11 645 [email protected]

www.xds.co.za

CREDIT BUREAUS

Kim ArmfieldAttorney & Family Law Mediator Address: Unit 1B, FinansHuis, 7

Voortrekker Road, BellvilleTel: 021 949 1758 / 021 945 2526

Office cell: 084 8588 [email protected]

Your Debt Counselling Attorneys

Johannesburg | Cape Town

Andre Van Zyl021 494 4862

[email protected]

www.bassonvanzyl.com

PAYMENTDISTRIBUTIONAGENCIES

DC Partner044 873 4530

Hyphen PDA011 303 0060

COLLECTNET+27 12 140 0602

intuitive0861 628 628

COLLECTNET+27 12 140 0602

intuitive0861 628 628

Debt Review SoftwareTel: 016 004 0031

South Africa’s premierdebt management solution

www.finwise.biz

SYSTEM PROVIDERS

Tel: 011 451 0041Tel: 0860 072 768

www.maxpayments.co.za

No monthly program fees!Accessible on PC or Desktop

‘’ I was pleasantly surprised by our experience and changeover to Finwise. The new system is intuitive and easy to understand.‘’

Debt counsellor Eastern Cape

‘’ I’ve found the Finwise system to be very useful. I’m new in the debt counselling � eld, I managed to � nd my way around the system as it is very user-friendly. The

training manuals provided are also helpful and informative.’’ Debt counsellor Gauteng

Various things like good � nancial management and quality products are vital to run a successful business. Human capital, however, is the driving force in any business and can make or break a business. Looking at successful businesses, there are high energy and the sta� are passionate, motivated and believe in the business objectives. The ‘’go-getters’’ see opportunities in every situation and when interacting with clients, they instill trust with the positive image they deliver about the organizations they work for. Persons with a ‘’can do’’ attitude are needed in all walks of life, the ones who say yes to change because change means growth. What kind of business leader or person are you? Challenge yourself to be a go- getter with a can do attitude and align your company with businesses practicing the same good conduct.

SOME QUALITIES OF THE ‘’GO GETTER’’• The go – getter attitude does not hesitate; he/she thinks, when do I start?

• The go – getter attitude does not ponder whether he/she can, they know they can get it done with collaboration and action.

• The go – getter believes in him/herself, and the company. He/she believes in the times ahead and wants to be a key part of it.

• The go – getter sees continual change as a recurrent opportunity.

• The go – getter only knows one way of doing and living: with bravery, self-assurance, passion and integrity.

Why settle for less? DC Partner is positively orientated towards change, growth, industry development, product enhancement and delivering high quality customer service. Article by: Petro de Beer

• Excellent audit trail

• Work� ow management

• Easy to navigate functions

• Quick data capturing

• DCRS and standard proposals accommodated.

FINWISE - INNOVATIVE DEBT MANAGEMENT PROGRAM BUSINESS SUCCESS - THE “GO - GETTER” APPROACH

Say yes to change, say yes to a company with a ‘’Can do Approach ‘’ and a ‘’Go Getter team’’!

Head Offi ce 59 Victoria Street, GeorgeTelephone 044 873 4530 Fax 086 246 2450

www.dcpartner.co.za

CAPITEC CONTACT DETAILS

Form 17’s [email protected] [email protected] documents [email protected] Queries [email protected] Requests / Cancellation of Debit Orders

[email protected]

Complaints [email protected] Certificates coming soonSharecall Contact Number 086 066 7783 - Select Option 2

ESCALATION PROCESSCOMING SOON

www.nedbank.co.za

DC QUERY PROCESS

17.1, 17.2, Proposals, General correspondence:

[email protected]

To register for Legal Web Access:

[email protected]

Reckless Lending investigations:

[email protected]

ESCALATION PROCESS

DETAILS COMING SOON

Fax or Email submissions (Level1)Email: [email protected]: 010 251 0055

To be used as a first point of contact for all written communication

Call centre (Level 1: Alternative)Tel: 0860 109 279

To be used as a first point of contact for all telephonic communication

Attended to by Queries Team Leader (Level 2: First Escalation)[email protected]

To be used only where no resolution is found from first point of contact after 5 business days

Attended to by Senior Manager (Level 3: Final escalation)[email protected]

To be used only where no resolution is found from the first escalation after 2 Business days

NEDBANK DRRSDebt Counselling Query Resolution Contact Points and Escalation Options

17.1, 17.2, Proposals, General correspondence:

[email protected]

To register for Legal Web Access:

[email protected]

Reckless Lending investigations:

[email protected]

ESCALATION PROCESS

DETAILS COMING SOON

*Please do not CC multiple email addresses*

ESCALATION PROCEDURE

FIRST POINT OF CONTACTApplications, COBs, Notice of Rejections/17W [email protected] [email protected] Applications & Orders [email protected], Re-instatements, Settlements,General Queries, Refunds [email protected]

STEP

02STEP

FIRST ESCALATIONApplications, Notice of Rejections/17Ws [email protected] Woolworths [email protected] Truworths [email protected] RCS [email protected] Foschini [email protected] Sanlam [email protected] Mr Price Group [email protected] JD Group [email protected] Capfin [email protected] Connect Fin Serices [email protected] Full House Retail [email protected] [email protected] Applications & Orders [email protected] (Proof of Payment) [email protected] Balances, Settlements, General Queries [email protected]

General Queries, Terminations and Account

Enquiries, CourtESCALATION DAY 5

COBs & 17.7sESCALATION DAY 7

ProposalsESCALATION DAY

03STEP SECOND ESCALATION

Should you not receive a response within two business days after the first escalation, please [email protected]

DReX CONTACT DETAILSDReX Related Queries [email protected] Escalation [email protected]

OFFICE CONTACT DETAILSTelephone: +27(0)31 251 4151Email: [email protected]

Issue 7 of 2020 - debtfreedigi.co.za · Temporary Disability Cover* Critical Illness Cover *...

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