Debtfree DIGI July 2012

Debtfree South Africa’s debt counselling magazine

July 2012 www.debtfreedigi.co.za

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CONTENTS 5 Editors notes

7 News

10 Why wont they leave me alone?

16 Consumers have rights

19 Courtroom etiquette

20 The Empire Union strikes back

24 Service directory

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EDITOR’S NOTE The Olympics - wow they come around every 4 years and each time we sit and watch these athletes in their physical prime. It amazes us how fast and fit they are. Consider if you will, those who run the long distance races. I doubt many of us could even keep up for 30 seconds at the pace they are going. What’s their secret?

Practice, practice and more practice. To run a race like that takes fitness, endurance and the will to keep going even when your muscles are begging you to stop.

Well, in many ways debt review can be the same. Some people mistakenly think of debt review as a sprint. They start with a bang and then...after a few months they get distracted and allow themselves to slow down, to stop paying attention to their budget and slack off.

Then before you know it along comes a small obstacle and they stumble right out of the process. Of course, these days it seems that the Creditors are creating obstacles and are trying to take people out of the process and harass them - See our main article about consumers getting summonses after they already have a court order for an example.

The process of debt review, while for some is just a temporary measure, is for vast majority a long distance run. You need to be willing to

stay “in it to win it”. You need to pace yourself and watch your budget. You need to overcome distractions and even your own desire to take it easy.

So take a lesson from the Olympic athletes.

Listen to your coach - who in this case is your Debt Counsellor. Stay on the right track and don’t let fatigue take you out the race. After all the biggest difference between the Olympics and debt review is that whereas only 3 people get to stand on that box and get a medal, in debt review thousands and thousands of consumers are heading for victory...over debt.

We hope you enjoy this issue of Debtfree DIGI. Check out all the news and advice on court room etiquette and dealing with bank harassment. DCs Beware of Debt Vader’s sharp tongue and conspiracy theories. Consumers remember you need to keep on running. Push on toward that, oh so sweet, goal of being debt free.

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INDUSTRY

CONSUMER

NEWS FLASH For daily debt counselling news visit www.debtfreedigi.co.za NCR Brings VDMS to a temporary halt The much publicised Voluntary Debt mediation pilot project was meant to launch on the 2nd of July 2012. This did not happen as the National Credit regulator stepped in at the last possible moment to investigate the legality of various aspects of the project.

The project which is being organised by the National Debt Mediation Association - a Credit Provider representative body- seeks to produce a debt review like product called “voluntary debt mediation�. The process is set to use a computer programme to propose how to settle a consumers debt over 5 years. One of the aspects that the NCR have now appointed an outside investigator to look at is the legality of Debt Counsellors being involved and where they would receive payments from. A Debt Counsellor is not allowed to act as an agent of a creditor. Also Creditors cannot perform the functions of a Debt Counsellor.

It seems that a legal letter from a Debt Counsellor Deborah Solomons was one of the factors which lead the NCR to step in and have a closer look.

from DCASA members. Some claim that most DCASA members do not actually know enough about VDMS to have an opinion. Others feel that the newsletter was prematurely sent and expresses the feelings of very few DCASA members. They are concerned that this might be a new spark which lights another leadership crisis within DCASA. Whatever the case it seems that DCASA and the Alliance of Professional Debt Counsellors are taking opposite stances in regard to the project. AllProDC have said that they do not support VDMS and while they will not prevent members from being a part of any pilot program they would advise caution.

The NDMA have said that they would choose the 3 biggest users of the DCRS proposal creating software to be part of the pilot. There has been talk about which Debt Counselling firms would be the BIG 3 The three participating Debt Counselling firms were recently identified as: Octogen, Debt Busters and Consumer Assist.

One DC Firm in the western Cape disputes whether they are not in fact a bigger user of DCRS and should not be included. Either way it seems likely that they will only find out if the In a recent newsletter the Debt Counsellors project will go ahead in about a months time Association of South Africa stated very clearly after the independent investigation has come that they love the idea and that it is supported to a close. by the National Executive Committee of DCASA. The newsletter was met with mixed feelings

NEWS CONT. Atlas Finance accused of producing “Fake NCR Website information called into question Attachment Orders” The NCR have a website (www.ncr.org.za) which It seems that Atlas Finance (or someone acting has a search function to help consumers find on their behalf) have sent out a fraudulent a Debt Counsellor in their area. Unfortunately Attachment order and have tried to collect not all the names and details shown on that list funds from a consumer based on this document. are accurate.

The Krugersdorp Magistrates Court have theDCI have conducted monthly calls to Debt issued confirmation that they never issued the Counsellors country wide and have gathered Attachment order and that it appears to them what seems to be far more accurate statistics. to be a “fraudulent document”.

Deborah Solomon (the founder of theDCI) said of the discrepancies: “As an example, our One Debt Counsellor says he has seen other list for March 2012 shows that while there are examples of the same sort of thing and is 2141 debt counsellors listed on the national pushing the National Credit Regulator to take database (the NCRs site) , 305 had incorrect action against Atlas Finance. For an example phone numbers, with 232 of those numbers of what these “fake” attachment orders look out of order, 56 wrong numbers and 17 fax like head over to: http://debtfreedigi.co.za/ numbers.” atlas-finance-come-fire-accusations-fruad/ She said 444 debt counsellors on the national list “were no longer working, seven had been de-registered by the regulator, 32 had been DCASA Survey excluded from the National Credit Regulator’s site, 21 Debt Counsellors had given their books DCASA – the Debt Counsellors Association of away to other counsellors, and 384 were simply South Africa have launched a survey for DCs not practicing. about DCASA itself, it’s meetings, whether “We were unsure of the status of 633 Debt Debt Counsellors are practicing or not as well Counsellors who were simply unavailable, as the controversial VDMS project. which left us with 759 verified, practicing debt They assure their members that they can freely counsellors as of April,” Solomon said. speak their minds and not be concerned that This just goes to show that consumers would members of the DCASA NEC are looking over be better off looking in the Debtfree DIGI their shoulder to see if they disagree with them directory section or visiting sites like theDCI about VDMS. They say:” All submissions are (www.thedci.co.za) for Debt Counsellor details. anonymous and are totally confidential”. They encourage members to express their “honest opinions”.

If you would like to partake head on over to: http://www.dcasa.co.za/survey.html

http://twitter.com/Debtfree_DIGI

WHY WONT THEY LEAVE ME ALONE? It is a common misconception that Debt Counsellors restructure consumers debt. It is far more accurate to say that Debt Counsellors make suggestions to the Magistrates Court on how a persons debt might be restructured.

They only do this , of course, after having made suggestions to the consumer about how to adjust their budget and having sent a payment proposal to each of the consumers creditors.

These creditors then indicate if they are happy with the proposals and the Debt Counsellor then presents that information to a Magistrate who’s job it is to restructure consumers debt.

They are allowed to do so due to the power afforded them by the National Credit Act. At first many Magistrates did not know a lot about the National Credit Act and thus were unsure of what to do when they received a application from a Debt Counsellor about a consumers debt. Some Magistrates where so worried they would do the wrong thing they simply postponed the case or moved it to the

end of their court roll and said they would deal with it later. Others flatly refused to hear debt review matters. Who can really blame these Magistrates since no one had offered to train them in regard to debt review. At some point the Debt Counsellors themselves realized they would have to offer information to Magistrates about the process. For the most part things have drastically improved since back in ‘07 and ‘08.

Nowadays it is not far fetched to have a matter set down on the court roll and then have a court order granted within a few weeks at smaller courts and within 3 months at larger courts.

Sadly, many of the people who first entered debt review have still not got their court orders yet because of all the baggage from before -when things were a bit unclear.

However recently a new menace to the debt review process has reared it’s head: the creditors themselves. Many of them do not want to get money over time and would rather try get people out of debt review and sue them and strangely collect less funds from the consumer. (This is because they then have to pay collection agents commission to collect debt that the consumer was willingly paying anyway) It’s weird but this is what is happening. Many large creditors are issuing letters a called section 86(10) notices and trying to take consumers assets away. This has meant that it is now more important than ever before for consumers to get their debt restructuring court orders as soon as possible.

will all stop harassing them. Let’s take a look at some of the basic reasons why a consumer with a court order restructuring their debt might still get pestered by credit providers.

Incompetence This is perhaps the most common reason why a consumer might receive a demand for payment even when they are paying via debt review each month.

Sometimes their is an aspect of human error involved. For example when a consumer gets a granted court order the Debt Counsellor will send a copy to the various creditors involved.

The creditors then have to capture the court order onto their system and have 10 days in which to comply. Recently however there have been mix ups due to poor training and some of the data capturers have captured the first name they see on the court order (that of the Debt Counsellor) instead of the consumers name. In other cases the data capturing is just not done.

Some creditors debt review departments are just under staffed and can’t keep up.

Some creditors are so incompetent that they are unable to make sure that the money paid into their accounts from the Payment Distribution Agencies are allocated to the consumers accounts fast enough. In many cases this has been going on for a long time and they are still trying to catch up payments from long ago that they just left sitting in holding accounts.

Yes their job is handling money but...no i guess you are right they should know how to do it. It is inexcusable.

What must be realised is that for various reasons Old computer systems when a consumer gets their debt restructuring Some banks (and other creditors) have such big court order it does not mean that the creditors computer systems that have been built over

years and years, with layers and layers of new code added that they now find it impossible to actually capture the fact that a court order has been granted. They might find they are unable to actually change the interest rate shown in the original contract. This is one reason why they often do not send consumers who are under debt review a monthly statement (not just because they are cheapskate). They do not want consumers to see that changes as per the court order or the debt review have not been made. ABSA have even said that their email servers are so bad that they can’t receive a 3 page scan of the court order without problems.

Bad Faith terminations This has been a recent bane for Debt Counsellors and consumers but is now starting to bite the creditors themselves in there own rears as they are no longer even sure who is under debt review. Standard Bank recently embarrassed themselves by sending out a spread sheet that showed they were “terminating” the debt reviews of many consumers who were not only paying each month but who also had court orders. These are called “bad faith” terminations and when legal action is taken to try collect the debt courts will put these accounts back under debt review. Some Creditors have been accused of having computers simply generate one of these letters when 60 days of debt review have passed no matter what.

Non Cooperation between different departments It seems that the various product houses often decide to simply ignore their own internal Debt Review departments arrangements.

This has seemingly been the case in a large amount of bond related accounts. It seems

that the Legal Department or Collections will not cooperate with their fellows in the Debt Review department since it will interfere with their monthly collection targets. Rather ruin some families life than miss your target and look bad.

Willful harassment It has been said by various Debt Counsellors and certain industry bodies that the creditors (and here they mainly mean certain members of the Banking Association of South Africa) are trying to keep Debt Counsellors busy dealing with 86(10) notices instead of helping consumers. At the same time the NDMA -a credit provider representative body - is running around saying debt review is not working well enough and that they (the credit providers) want to launch a clone product called debt mediation instead which will be so much better. Creditors know that if you call consumers and chase them enough they will often crack and make independent payment arrangements outside of debt review or even leave debt review. This will then allow them to later try go after the consumers assets and sell them. This is obviously unethical and helps no one in the long run. Consumers who are being called and harassed are encouraged to keep a log of the time, duration and content of each call they receive. They should try get the name of the person calling and make sure which company they are calling from. Armed with this information steps can be taken to complain with the help of their Debt Counsellor and maybe even the NDMA or Banking Ombud about the matter.

What can you do about it?

Well, the first thing you should do, if you already have your debt restructuring court order and you now receive harassing phone calls or a Section 129 notice or even a summons for one of your debts, is to talk to your Debt Counsellor. Do not mistakenly think that you can now ignore your creditors or their agents when they harass you. By doing so you might find yourself dealing with even more complications. One consumers experience illustrates the complications that can arise. He says: We have been in debt review since 2009 and have been making regular payments monthly.

Not long after we entered debt review we were issued with a “sale in execution” against our property. We fought against it and fortunately the courts ruled for the judgment to be rescinded.

We then continued under debt review, paying toward our debts, including the property, each moth. In 2011 it turned out that Nedbank had again gone and done the same thing. Once again we got the judgment rescinded. At that time we had even been paying a higher amount than when we first entered debt review. According to the moratorium (which was in effect at the time when a renegotiation happened) we had to make at least 80% of the original contract installment for the bank to “back off”. Fortunately we were able to do so. Since then Nedbank has cancelled the debt review and once again gone and obtained another judgment against us. It is incredibly frustrating especially as we are paying them via debt review each month. We thought maybe debt review was not working for us and have tried speaking to Nedbank directly ourselves instead of going through our debt

counsellor but we were advised by Nedbank’s consultant that under “no circumstances” were they going to “back down”. We even offered to try pay something extra each month above the agreed 80 %. They say they are not interested.

The latest complication is that we have now received a notice for sale in execution once again. The notice quotes a total arrears amount of R238 000,00. This situation is really stressful and unnecessary.

It might seem impossible that a big creditor like Nedbank can ignore their own Debt Review departments agreements and the consumers court order and go and get a 3rd judgment against the same consumer. Especially since they have had the previous 2 overturned. it is worth noting that since the Sebola v Std Bank Constitutional Court ruling at least in the future Nedbank (and other creditors) will have to make sure these consumers know about any legal action they are taking against them.

It is a credit providers right to make their own life more difficult and to make fools of themselves in court, if they want. Sure, it costs them money when they lose the case (or have it overturned or rescinded) but they are allowed to try these things. The good news is, that if consumers fight back they almost always win. So don’t be surprised if for one reason or another you already have your debt restructuring court order and you suddenly receive a summons or demand letter from one of your creditors.

NEXT COURTROOM ETIQUETTE PG18

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The DCM Group get a fresh new look As the Debt Counselling industry itself has gone thorough changes so to have those companies who offer debt review related services. With many companies coming and going over the years, consumers are looking for stable, long lasting brands that can meet their needs.

In 2012 the DCM Group and its subsidiary brands have gone through a metamorphosis, the outcome of which is a fresh new look and feel. New branding accompanies this new perspective.

While in the past DCM has offered services under a variety of brands it seems that DCM’s acquisition of several different brands resulted in an organisation that was presenting a myriad images and messages to the various target markets which it services. As a result, some consumers where not aware of the range of services which DCM could offer or were confused about who owned these brands.

The new branding brings all these various brands under one recognisable parent company, namely DCM. The individual brands and logos have now been incorporated into the DCM Group of Companies with DCM Group as the lead brand.

This means that DCM Consumer Assist, DCM Care Premier and DCM Corporate are now sub-brands; and that the NPDA is being the endorsement brand for the whole Group.

When describing the ongoing changes in the industry and the performance of the various DCM brands Anton Viljoen CEO of the DCM Group says: “ We look forward to many more exciting times in the years ahead...the DCM Group will grow from strength to strength” DCM are moving forward and are now positioned for even greater growth and success.

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INDUSTRY

CONSUMER

COURTROOM ETIQUETTE

The Do’s and Don’t of going to court to get your debt restructuring Court Order For many consumers the prospect of going to court in order to get a debt restructuring court order is very intimidating.

If you have never been to the Magistrates Court before here are some tips to help make sure you don’t step on anyone’s toes or embarrass yourself.

the auditorium.

Talking, whispering, giggling, shuffling papers, or disturbing the composure of the proceedings with phones or pagers is not allowed.

Cell phones and similar devices should either be off altogether or on a silent setting. It is not appropriate to be seen using your cell phone to send messages or instant messages during the session. Rather wait or exit the court if you need to make or receive a call. Never do so inside the courtroom.

The Dress code for court is closer to “Sunday Best” than “jeans and a T-shirt”. You should not look overly casual. While an Armani suit might also be a bit much, and call into question if you really need debt review, it is better to err on the side of well dressed rather than sloppy. No hats are allowed.

Don’t bring food, gum, or anything to drink into the court room. Even if you feel it would When you come into and leave the courtroom help. do so quietly. It is polite to nod or bow your head toward the Magistrate in acknowledgement In South Africa a Magistrate is traditionally when entering and leaving if they are already referred to as “Your Worship” as opposed to present in the court room.

Your Honor.

It is important to behave respectfully in the courtroom so that the proceedings are not unnecessarily disrupted. Indeed interrupting the court process could find you in contempt of court. If necessary, you will be removed from

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INDUSTRY

CONSUMER

THE EMPIRE UNION STRIKES BACK!!

This month has been very exciting for Debt Counselling! First off, Kudos to Debt Counsellor Deborah Solomon, who managed to get the NCR’s attention long enough for them to stop the VDms pilot (still sounds like a STD).

So yes, the pilot has been stopped, and as Debt Counsellors celebrate, the creditors are busy regrouping and finding new ways to introduce some new version of VDms. VDms, is not going anywhere because creditors believe that their pecuniary loss is greater than the benefits they may receive if they participate in the statutory debt counseling process. Further, the NCR has merely put the VDms pilot “on hold” to see if it contravenes the NCA, which it is not going to do, simply because the NDMA is not a credit provider and thus isn’t bound by the same rules as its “affiliates”.

But, what if it’s even more sinister than that?

Let’s say that the NDMA didn’t just come up with VDms on its own, but rather that it was a collaborative effort between DTI, NCR and the NDMA. We know that the PDA’s were an after thought, but that’s where the money is!! So what if this is all about nationalising the PDAs? Think about it, everyone wins, the DTI gets money, NCR has even less work to do because there’s only 3 firms to deal with, and the credit providers get 3 Debt Counselling firms sympathetic to their interests and which

just coincidentally have strong affiliations with specific PDAs. I believe that this is why there has still been no amendments to the NCA, why amend something that going to be obsolete anyway?

I believe that independent DCs have been sold out by the NCR and DTI. The NDMA has the money and infrastructure to manage the industry and they are prepared to do so but on their terms (VDms), so the NCR has handed over the www.NCRDebthelp System to the NDMA to manage, and rumour has it that the NDMA is beefing up its complaints department, so in all probability that function will also be handed to the NDMA. The only mistake they made was that the VDms pilot was launched prematurely (no sexual innuendo intended), in light of all these other changes and DCs like Deborah Solomon, myself and a number of others took exception to having our profession annihilated by the NDMA. The VDms scheme is what I call a “wee-wee moment” (that’s when the man in charge takes 5 minutes for the privy and the 2nd in charge goes insane).

Sadly it seems that Debt Counselling was almost set to fail from day one, our associations cannot find their behinds with both their hands with the lights on and as DCs we know this, and yet we are still disappointed when they let us down, like when they didn’t stop the DCRS guidelines (which are now industry “rules”

750 practicising DCs. The 2 Associations have maybe...200 paid up members between the 2 of them, so they cannot be representative of the industry.

So what happens after the NCR investigation is concluded and the VDms pilot proceeds, what are DCs going to do? You’ll either have to go find another profession or go work for one of the 3 chosen firms. Unless DCs are prepared to mobilise and quickly, and to this end I am pleased to inform you that for once the light at the end of the tunnel is not an oncoming train, thanks to the New Economic Rights Alliance (New ERA), who are prepared to take DCs under their wing, so that we can become a Union of DCs. The Chairman of New ERA, Scott Cundill, informs me that they have 80 000 consumers who support New ERA and they are growing at a rate of 1000 consumers a day. New ERA is prepared to give DCs a home in their organization and have committed the support according to creditors) or when they wrote the of their consumers to the Union. There will be “Code of Conduct” for DCs and let the NCR pass a nominal monthly fee (far less than what you it off as its own. The Associations are not at paying now) and you will have the protection fault here, we know as DCs that the “3 chosen of the Union, the consumers who support it ones” Paul Slot, Andre Snyman* and Luke Hurst and the experience of other DCs to fall back on. will agree to just about anything that’s going It is now up to the DCs themselves to register to further their own interests. We, the DCs are with the Union and to grow it into the largest the idiots; we are still waiting for fair play from association of DCs in the country; this will force the creditors, regulation and enforcement by the NCR, DTI and the NDMA to consult with us the NCR and protection from the Associations. before making any further industry decisions.

THE UNION WANTS YOU

The truth of the matter is that DCs can not negotiate with the NDMA, NCR or DTI, simply because we remain divided and there are so few of us that, we just get ignored. At present there are well over 2000 DCs registered with the NCR, theDCI has done some research on this and have found that there are only approximately

Whether you agree with me or not, if you do nothing else this week, register with “The DCI” on their website at www.thedci.co.za and JOIN THE UNION by sending an e-mail to chairman@ newera.org.za.

* Debtfree DIGI has subsequently learnt that Andre Snyman did not in fact sit in on any meetings to do with VDMS.

Consumer Petition TIME IS RUNNING OUT

We, the undersigned, debt counsellors and consumers, call upon all Financial Institutions to stop trying to undermine, demoralize, challenge and break the debt review process.

On behalf of our consumers, consumers who have been affected and consumers who believe in their rights and the rights of others, we ask that you stop with your intimidation, harassment and bullying tactics.

To stop with illegal termination tactics, to stop visiting consumers at their homes while you try to install fear that their debt counsellors have not done their job correctly. This being done while you try and force them to sign an AOD

and get them out of the debt review process.

To stop deceiving consumers by informing them that their debt counsellors are stealing money, that the debt review process is not working and that the consumers are incurring further debt pertaining to your interest charges.

To stop misleading consumers by pretending that you are allowed to offer a debt counselling service. Stop worsening any past, present or future consumers situation by misrepresenting the truth.

We insist that you start to act in Good Faith both towards the debt counsellors and all concerned consumers.

TO SIGN UP http://www.facebook.com/pages/Sign-2-Unite/327470733965318 http://www.gopetition.com/petitions/stop-banks-acting-in-bad-faith.html http://www.facebook.com/pages/theDCI/218268998238689

theDCI invites all Debt Counsellors, Debt Counselling associations and consumers under debt review to sign the petition. This petition is also for consumers who are not in debt review but who believe in rights of people that are in debt review. Any consumer who believes in this petition can sign and help us make a difference.

SERVICE DIRE DEBT COUNSELLING AA Debt Counselling Centre Anthea Johannes NCRDC531 Tel: +27 (0) 21 982 0522 Cell: +27 (0) 84 402 7032 Alan Watts NCRDC 962 NCR registered Debt Counsellor Tel: 084 4448439 Fax: 086 6501954 alan@active-debt-counselling.co.za www.active-debt-counselling.co.za Central SA Debt Counsellors 082 950 7806 Fax: 086 563 1621 Consumer Assist Johann Vermeulen Tel: 0861 628 628 Credit Matters 021 431 9100 info@creditmatters.co.za CS Debt Counselling Bernidene Smith NCRDC 764 057 352 4115/352 5000 Welkom - Free state Darran Manikam NCRDC704 debt@mailbox.co.za Debtbusters 0861 663 328 (NO DEBT) Debt Budget Tel: 021 824 8885 Debt Solve Debt Counsellors Office: 033 397 0945

DEBTINC NCRDC’s 1071, 1188, 1189.

Tel: (022) 713-2021 Fax: (022) 713-2028 Share Call: 0861 20 21 20 E-mail: Info@debtinclusive.co.za Website: www.debtinclusive.co.za SMS: HELP to 35075

Debt Rescue Neil Roets NCR DC 474 Cell: 083 644 7406 Tel: 0861 800 009 Fax: 086 523 0617 E-mail: admin@debtrescue.co.za www.debtrescue.co.za

DebtSafe 0861 100 999 Debt Serious We are serious about debt Vida Scheepers NCRDC1792 Po box 394, Garsfontein, Pretoria 0042 Fax no: 086 553 9403 vscheepers@mweb.co.za Debt Rehab Colleen Van Wyk(BCom, LLB) Debt Counsellor NCRDC2619 Tel: 083 290 0848 Tel: 011 740 7374 Fax: 086 716 9694 Website: http://debtrehab.co.za Debt eezy Your Debt Solution made Easy Ashley Carstens NCRDC858 Tel: 021 839 2809 Fax: 083 512 4160 / 086 665 9125 Email: debt.eezy@gmail.com Website: www.thedci.co.za

Debt Management & Counseling Services “The greatest glory in living lies not in never falling, but in rising every time we fall.”

- Nelson Mandela Derry Burge NCRDC108 140 Irene Avenue, La Concorde, Somerset West, 7130 Tel: 021 855 5997 Cell: 074 177 5375 Fax: 021 855 1195 or 0865413200 E-mail: dburge@telkomsa.net Durban Debt Counselling Services Suite 112, 1st floor Union Club Building 353 Sm ith Street Durban, 4001 Tel: 031 301-7893 Fax: 031 301-5809 phumla.ngema@telkomsa.net

ECTORY Debt Counselling South Africa Cape Town Branch Tel: 021 919 66 94 Rod De Witt NCRDC831 Visit: www.debtcounsellingsa.co.za Fincorp debt Counsellors cc Cecilia Zwarts fincorpdc@yahoo.com Holistic Debt Counsellors info@holisticdc.co.za Helpdesk Debt Counsellors Allan Hoffman Tel: 0861 000 754 Help-U-Debt (Vaal Triangle) Wanine Tel: 082 445 3967 Help-U-Debt (Potchefstroom) Madra 083 390 3275 Help-U-Debt (Parys) Marilouise 082 920 6249 Help-U-Debt (Vanderbijlpark) Herma 083 320 8303 Incentive Debt Counselling “Paving the way to a Debt Free Tommorrow” Darran Manikam NCRDC704 Tel: (031) 409 9379 Fax: (031) 409 1327 Cell: 0845898286 Branches: Phoenix and Shallcross Indigo debt counsellors CC Tel: 087 808 9734

Fax: 086 580 8675 indigodc@iburst.co.za MG Consulting Strand - Helderberg Area Telkom : 021 853 4537 Mobile Phone: 082 450 7459 Fax Number: 0866 220 690 E-Mail: info@mgconsulting www.mgconsulting.co.za NDA Debt Counsellors Your Trusted Debt Counsellors Gary Williams (NCRDC 143) Tel: 034 315 3880 Fax: 086 612 4112 gary@ndad.co.za www.ndad.co.za Rihanyo Debt Counselling (012) 804 50 57 Think Green Debt Counselling Sandi Pauw sandipauw@mweb.co.za Tel : 012 991 6638 Cell : 082 460 7800 Fax : 086 219 2615 U-Win Debt Counsellors Coreli Roos - NCR DC 509 Aliwal North, Burgersdorp, Bethulie, GariepDam, Smithfield, Springfontein Cell:079 626 66241 croos@global.co.za Zuné Coetzer Debt Counsellors NCRDC 1599 24 van der Stel Street, Dan Pienaar Bloemfontein Tel: 051-4364515 Fax: 086 5870 845 Email: zunecoetzer1@gmail.com

SERVICE DIRE DEBT RESTRUCTURING SERVICES BORDER REGION: DRS BEACON BAY Johan Pretorius Cell: 082 324 4038 Office: 043 748 1139 DRS BUFFALO CITY Herman Marias Cell: 082 378 3743 Office: 043 7210652 DRS KING WILLIAMS TOWN Herman Marais Cell: 082 378 3743 Email: herman@drssa.co.za DRS CRADOCK Office: 043 721 0652 DRS QUEENSTOWN Herman Marais Cell: 082 378 3743 Email: herman@drssa.co.za

DRS BOND CHOICE Andrea Atkinson Office: 041 393 7000 Email: andrea.atkinson@drssa.co.za DRS CENTRAL EXPRESS Derryn Fish Office: 041 373 9693586 2020 Email: derrynfish@drssa.co.za DRS DESPATCH Isabe Landman Cell: 072 337 3328 Office: 041 933 1189 Email: isabe@drssa.co.za DRS HUMANSDORP Morne Steyn Cell: 083 298 8182 Office: 042 291 0135 Email: Morne@drssa.co.za DRS NKONKOBE (Fort Beaufort) Bernadine von der Decken Cell: 083 2859289 Office: 046 645 1898 Email: bernadine@drssa.co.za

DRS MTHATHA Herman Marais Cell: 082 378 3743 Email: herman@drssa.co.za

DRS KIRKWOOD Keith Le Roux Cell: 073 207 1675 Office: 041 451 0474 Email: keith@drssa.co.za

EASTERN CAPE:

DRS PORT ELIZABETH Derryn Fish Cell: 084 515 6135 Office: 041 453 8961 Email: derryn@drssa.co.za

DRS ALBANY Office: 041 373 9693 Email: dcfull@drssa.co.za DRS ALGOA Marius Weyers Cell: 083 497 3219 Email: marius@drssa.co.za

DRS SIDWELL EXPRESS Keith Le Roux Cell: 073 207 1675 Office: 041 451 0474 Email: Keith@drssa.co.za

DRS SOMMERSET EAST Luther De Bruyn Cell: 082 568 2970 Office: 042 243 1107 Email: luther@drssa.co.za DRS UTENHAGE Lynn Lindoor Cell: 083 7174 183 Email: Lynnl@drssa.co.za FREESTATE: DRS GOLDFIELDS (Welkom) Irvin Billy (Derryn Fish) Cell: 072 114 4427 Office: 081 319 0083 Email: Billy@drssa.co.za DRS MANGAUNG Amanda Johnson Office: 041 373 9693 Email: dcfull@drssa.co.za DRS FOREISTATA EXPRESS (Bloemfontein) Derryn Fish Office: 041 373 9693 Email: dcexpress@drssa.co.za DRS SOUTH FREESTATE Nelmarie De lange Cell: 079 236 3615 Office: 053 591 0734 Email: nelmarie@drssa.co.za GARDEN ROUTE: DRS DE AAR Veronique Louw (Derryn Fish) Cell: 076 382 2020 Office: 053 631 1189

ECTORY Email: deaar1@drssa.co.za DRS GEORGE Francois Van Zyl Cell: 079 522 1930 Office: 044 874 2820 Email: francoisv@drssa.co.za DRS EDEN (Hartenbos) Bruno Mertsch Tel: 042 291 1083/4 Email: brunom@drssa.co.za GAUTENG: DRS CENTURION EXPRESS Amanda Johnon Office: 041 373 9693 Email: dcfull@drssa.co.za DRS LYNNWOOD Junique Julius Office: 012 807 4339 Email: lynnwood1@drssa.co.za DRS PRETORIA EXPRESS Ben Vermeulen Cell: 082 442 8654 Office: 012 331 2145 Email: bverm@lantic.net DRS PRETORIA NOORD Office: 041 373 9693 Email: dcfull@drssa.co.za DRS ROODEPOORT EXPRESS Derryn Fish Office: 041 373 9693 Email: dcexpress@drssa.co.za DRS RUSTENBURG Amanda Johnson Office: 041 373 9693 Email: dcfull@drssa.co.za

KWA ZULU NATAL: DRS GREYVILLE Vyas Juggernath Cell: 083 206 0300 Office: 031 309 8716 Email: vyas@drssa.co.za DRS KOKSTAD Melanie Louwrens Cell: 083 269 0424 Office: 039 727 1430 Email: melanie@drssa.co.za DRS MORNINGSIDE DURBAN Erica Mtshali (Amanda Johnson) Cell: 076 578 8660 Office: 031 301 5990 email ericah@drssa.co.za DRS PHOENIX Vyas Juggernath Cell: 083 206 0300 Office: 031 309 8716 Email: vyas@drssa.co.za DRS PIETERMARITZBURG Sanele Zulu Cell: 083 543 3487 Office: 033 394 8319 Email: sanele@drssa.co.za WESTERN CAPE: DRS BELLVILLE Patricia Bekker Office: 021 948 8523 / 4 Email: patricia@drssa.co.za DRS DIAMOND Clive Palmer Office: 021 421 8563 Email: clive@drssa.co.za

DRS TYGERBERG Craig Lakey Cell: 082 627 0957 Office: 021 945 4062 Email: craiglakey@drssa.co.za DRS WEST COAST Marius Coetzee Cell: 082 978 4407 Office: 022 713 3766 Email mariusc@drssa.co.za DRS SALDANHA Marius Coetzee Office: 022 713 3766 Email: mariusc@drssa.co.za DRS SOLUTIONS Christelle de Villiers Cell: 084 586 5600 Email: cdv@vodamail.co.za

SERVICE DIRE SUPPORT SERVICES Staff Line Ndizani Executive Recruitment Cell no: 083 3028163 Direct Line: (011) 468 - 2150 E- Mail: saki@staffline.co.za

Information resources & services www.thedci.co.za Designtimes South Africa’s creative resource www.designtimes.co.za TRAINING Compuscan Academy 0861 51 41 31 www.compuscanacademy.co.za You & Your Money Western Cape: NCR Debt Counsellor Training: For a Cutting Edge Course with practical input contact: You & Your Money Dawn Jackson Dawnjackson.training@telkomsa. net Cell: 072 1769789 (021) 761 3287 FINANCIAL ABSA Customer Debt Repair Line 0861 005 901

Credit Ombudsman 0861 662837 Experian 011 799-3400 debtcounsel@experian.co.za Eric Streso Financial Planner B Juris LL B CFP MBA Tel: 0833273358 Fax: 086 612 7912 Fair Debt 0829019788 or 012-3772558 ray@fairdebt.co.za PACFIN Financial Solutions Head Office Tel: +27 11 9757445 Fax: 0865368783 36 Van Riebeeck road Kempton Park 1619 pieter@pacfin.co.za Monte Carlo Building No 8 Voortrekkerstreet Kempton Park 1619 Kempton Park Contact: Reyno Coetzee Tel: +27 11 3945363 Fax: 0866048002 Cell: +27 73 3690884 kemptonpark@pacfin.co.za Boksburg / Germiston Contact: Armand Posthumus Tel: +27 11 8921911 Fax: 0865620378 Nelspruit Contact: Ann Baker Tel: +27 13 7415559 Fax: 0880 1374 15559 Cell: +27 82 9024236

jeleroux@telkomsa.net Springs Contact: Wynand Mclachlan Tel: +27 11 8113728 Fax: +27 11 8113728 Cell: +27 83 2754014/5 wynmc@telkomsa.net Gooseberry Business Advisory Tel: 012 644 0589 Nedbank Debt Rehabilitation & Recoveries Services 0860 109 279 STD Bank Debt review Helpline Telephone: 0861 111 402 TransUnion 0861 482 482 Thinkmoney Financial comparison website Contact: Gareth Mountain Tel: 079 0996 798 www.thinkmoney.co.za WIZARD Vereeniging Making Mortgage Magic Wanine Smit Tel:+27 16 454 1132 Fax:+27 86 686 3678 Cell:+27 82 445 3967 www.wizard.za.com FINANCIAL PLANNING Eric Streso Financial Planner B Juris LL B CFP MBA Tel: 0833273358 Fax: 086 612 7912

ECTORY LEGAL

e: lodea@rmbrown.co.za Agiliti CC Colleen Van Wyk(BCom, LLB) Tel: 083 290 0848 Tel: 011 740 7374 Fax: 086 716 9694 Website: http://agiliti.co.za

Karen van Staden CREDIT BUREAUS Tel: 012 998 9117 / 012 993 2132 IsFax: it time to721 expand your Debt Counselling 086 6467 / 086 662 1153 practice?

Compuscan Email: karen@hauptearle.co.za 0861 514 131 office@hauptearle.co.za Do you need specialist Attorneys with a national www.compuscan.co.za www.hauptearle.co.za footprint?

leave the Conference well informed.

Judge Flemming will unpack the NCA as only he can, Mike Schussler will unpack the economy as only he can, nobody is better equipped than Frans Haupt to inform Debt Counsellors about proposed changes to the NCA , Magauta Mphahlele will unpack VDMS, the NDMA will showcase the first deliverable of the Switch and Paul Slot will tie everything together towards the end.

Do you need expert advice on how to protect Computer Profile Bureau Scheepers your practice Attorneys and your clients?

0861 28 7328 www.c-p-b.co.za Experian www.experian.co.za LUCID Attorneys Business- 0861 63 60 70 Tel: 011 880 1100 Fax: 011 880 1101 Attorneys servicing individual needsConsumer- 0861 10 5665 Email: info@lucidsa.com Micro Lenders Credit Bureau www.lucidliving.co.za/attorney Pretoria: +27(0)12 998 9117 www.hauptearle.co.za Nelspruit: +27 (0)13 752 7084 0861 28 7328 www.mlcb.co.za Ludick Attorneys bev.ludickattorneys@gmail.com TransUnion 0861 886 466 Prinsloo & Associates www.transunion.co.za Attorneys and conveyancers Nanika Prinsloo XDS Farm Bergamot, Paarl 7620 0860 937 000 P O Box 6199, Paarl 7620 www.xds.co.za 14 Laing Street, Barrydale 6750 Cell: 072-8558-106 Fax: 086-623-5986 EVENTS nanika@vodamail.co.za www.empowerlaw.co.za DCASA CONFERNCE 22 August RM Brown and Associates The theme of the DCASA 601 Pier House, Conference is tomorrow-today 13 -17 Heerengracht, and Debt Counsellors who want to Cape Town understand the impact of the future Docex 138 Cape Town on their business can expect to t: 021 431 9127, f: 021 425 0875 Gerhard Scheepers

Are you informed about recent statutory and schlaw@iburst.co.za legal developments within the industry?

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