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Debtfree South Africa’s debt counselling magazine

December 2011 www.debtcounsellingsa.co.za


NCR accredited payment distribution agency


CONTENTS 03

Editors notes

05

News

09

2011 The year that was

10

2011 Timeline

17

PAIA

looking into the process of debt review or are already under debt counselling then you have taken your first steps along the way to being totally debt free and hopefully you will soon not only have paid off your debt but even be saving up some money to head off to one of these lovely places on the cover. As another year comes to an end it means you are one more month closer to being out of trouble and in control of your future again. Imagine just been able to answer calls from unknown numbers and not worrying about who it might be. Well, soon this could be your life.

At the moment you might be worried about this PAIA story you keep hearing about and we intend to help you reduce your stress in 25 Directory this area by having a look at the subject and giving you some simple guidelines on how you can become compliant with this Act chop, chop. We also look back at the year that was and take a moment to reflect on what a hard year it was for consumers rights under debt review and all the extra work this has caused for Attorneys and DC’s. We also look at recent industry news as usual. So enjoy the magazine Welcome to theDCI Special Edition of Debtfree and take a moment to stare at the cover and DIGI for Dec 2011. December is a special month picture yourself there. Soon you could be there; for theDCI as this month sees the launch of the relaxed and debt free. new consumer section of the website. In this issue we look in more detail at what consumers will be able to find on the site and how it can help them. Now you may look at the beautiful covers on these magazines and wonder why they feature such “nice” shots of “happy” people and “exotic places”, where everything seems so calm and peaceful when the topic of the magazine is debt (which is generally anything but peaceful/ stress free and fun). Well, here at Debtfree we believe that if you are 18

PAIA Downloads

EDITOR


Bitech is recognized as the leading Debt Counsellor (DC) software system supplier: • Simplicity is rich in functionality and caters for all DC requirements effortlessly. • Simplicity is leading edge technology and we stay at the forefront of development - we are on top of our game. • The system is fully integrated with Hyphen PDA, which provides you, the DC with an uninterrupted and efficient service with no manual intervention and in total control. • Some features of the system are absolutely unique, for example the ability to create customized legal documentation instantaneously. • Bitech prides itself in its after sales service and support for its DC’s - this is as important as the excellence of Simplicity itself.

• Hyphen PDA is a division of Hyphen Technology (Pty) Ltd, which is wholly-owned by the FIRSTRAND GROUP - financial soundness is important when considering a PDA! • The PDA is top of its game and is unrivalled in the collections and payments space. • Hyphen PDA essentially operates with the use of banking systems (iSeries mainframe computers) and the PDA and the Payments Engine are fully integrated - as a result you will seldom, if ever, query the status of your collections or payments. • The reports generated are everything a DC will need to manage the business- reporting is immediate, current and always available.

CONTACT BITECH

CONTACT HYPHEN PDA

016-9875004 / 016-9875006 / 016-9872369 support@iafrica.com www.bitechsystems.hypermart.net

011-3030060 ext 2 pdaadmin@hyphen.co.za www.hyphen.co.za


INDUSTRY

CONSUMER

NEWS FLASH NCR to investigate banks insurance products industry and our competitors.” Gerry Anderson (the Financial Services Board’s and charges deputy executive in charge of market conduct) The Financial Services Board (FSB), the National says: “I have perused the response received by Treasury and the National Credit Regulator are you from Nedbank. It is incorrect to state that about to launch an investigation into credit life an individual who is involved in the sale of an assurance in general, and the investigation will insurance product of any nature (including a bank employee) is not required to be FAISinclude the banks’ assurance products. registered. The provision or not of advice in such cases is not the determining factor, as intermediary services (the other leg of FAIS) may be involved.” FAIS contravened by major banks? An investigation into this matter is being Banks may be contravening the Financial launched by the FSB. Advisory and Intermediary Services (FAIS) Act by not ensuring that employees who issue personal loans and sell life assurance to cover debt are registered as representatives Banks push short term unsecured loans of financial services providers . When asked whether Nedbank was contravening the FAIS The Consumer Credit Market Report, recently Act, Nedbank replied that the Act was “not released by the NCR, shows unsecured credit applicable, as bankers and personal loan extended to consumers rose 12% to R21.21 agents, who grant personal loans, are not billion in the third quarter of this year from R18.95 billion in the second quarter. registered under FAIS to provide advice”. Obviously this is the point so when pressed At the end of September, unsecured credit for more info Nedbank said:” due to the fact accounted for about 8% (R101 billion) of the that personal loan consultants do not provide R1.27 trillion owed by South African borrowers. advice, and perform clerical and administrative Which was twice as much as in the few months services in a subordinate capacity which before. Banks can charge much higher interest does not require judgment on the part of rates (up to 32%) for these short term loans consultants, the consultants are not considered and thus they can be very profitable. to be representatives in terms of FAIS, and accordingly are not required to be registered... We are compliant with the requirements of FAIS and are in line with the unsecured lending


The Alternative Solution • This product was specifically designed to assist Debt Counsellors Clients... New, Existing or those that do not qualify. • No credit is created. “The Alternative Solution” was presented to the NCR. Who can we help? • Clients that own property. (See Residual Value Calculation at www.saindebt.co.za) How do we help? • SAinDebt provides the funds to stop the legal action (if any), • Cash advances can also be provided to the client. • NO upfront cost. What are the benefits for Debt Counsellors? • Debt Counsellors can provide clients with an “Alternative Solution”. • The counsellor earns a referral fee. Does your client qualify and what does it cost? Go to www.saindebt.co.za now or contact us during office hours for an upfront no-cost quotation and more information. Contact: Wirie Rust / +2782 552 8835 / wirie@saindebt.co.za Carin Papenfus / +2772 616 1099 / carin@saindebt.co.za E-mail info@saindebt.co.za Website www.saindebt.co.za

We currently serve Gauteng and surrounding areas only. Only exceptional cases in other areas will be considered.

Westcliff White House, 54 The Valley Rd c/o Jan Smuts, Westcliff, Johannesburg. Tel: 011 215 0039 (direct) 011 215 0000 (switchboard) 072 616 1099 (company cell) SAinDebt Solutions (Pty) Ltd. Reg. No. 2007/023854/07


NEWS CONTINUED Standard Bank were lying about Credit Card were opened in the last quarter. With over 19 charges but only because they did not know... million South Africans having credit accounts. Over 16 million different accounts were Standard Bank have been saying that petrol reported as “impaired” or in trouble due to non purchases made with their credit cards do not payment or late payment during this time. have a transaction fee and are interest free (as normal during the first so many days on a credit card transaction) attached. Investigation recently revealed that this was in fact not the Dirty Fuel embarrasses banks case and that charges were being applied to consumers who were using their credit cards ABSA, Nedbank and Standard Bank were to buy fuel. Standard Bank have been charging recently named (in a report from GroundWork a transaction fee of R3.85 and interest from the & Earthlife Africa ) as major investors in Coal fuel projects which contribute to climate time the card was used to buy fuel. Sugendhree Reddy, the director of banking change and other ecological issues. Standard products at Standard Bank, says that “no one at Bank had a reported total of more than R4,5 the bank knew” that charges and interest apply Billion tied up in project finance, investment to fuel purchases on the bank’s credit cards. We banking, corporate loans and assets related to acknowledge that fuel purchases on a credit the coal-energy sector; Nedbank had a total of card are treated as a cash advance, meaning R1,2 Billion. we charge a transaction fee and interest from the transaction date. But Standard Bank is reconsidering its position. Especially since the other major banks do not charge for these Late November 86(10) Spree by Banks transactions. “We would have to make system changes, which take time, but by the end of Many DC’s are reporting an increase in 86(10) January we would like to have rectified this,” notices. Particularly from ABSA, Standard Bank and Nedbank. Most DC’s feel these notices are Reddy says. unwarranted as consumers have been paying regularly. Consumers will now have to defend these matters using Section 86(11) of the NCA. 1000000 new credit Accounts in last Quarter. Most will be successful however it will incur extra costs and delays. The recent NCR Credit Bureau Statistics Report shows that over a million new credit accounts


NEWS CONTINUED Nedbank goes after Debt Review Consumer’s he paid the PDA before the seventh day of car because he was R41 behind on payments. each month, except for a small miscalculation, which meant he owed the bank R41. He also Port Elizabeth High Court judge, Judge Irma pointed to the PDA’s role in distributing funds Schoeman has blasted an attempt by Nedbank and his DC explained that the consumer then to try to repossess a client’s R267 000 car after had no control over when the payments were he fell behind on his restructured repayments made by the PDA themselves. The Advocate for Nedbank, argued, that by R41. Nedbank decided they wanted to terminate “paying late and paying short” were the the consumers debt review (in the post Collett same thing. Judge Schoeman then asked: madness) and issued summons which the “Are you seriously applying for the summary consumer decided to defend since he had been judgment for R41″. The Advocate answered making repayments. Nedbank then proceeded that the man owed the bank much more than to make a summary judgment application in R41 (talking about the over all balance of the order to repossess the Citroen. Unimpressed, account). Judge Schoeman then dismissed the Judge Irma Schoeman questioned the bank’s application by the bank. decision to bring the application, asking counsel if they were “really serious” about it. It is hoped that these sort of results will see the This application was one of several which have big banks, like Nedbank, reducing unnecessary brought recently where banks are pushing legal action against debt review consumers courts to rule that consumers who did not who are paying regularly. It is also hoped that follow their debt review agreements “to the costs are always rewarded against the banks letter” should not be entitled to the continuous in cases like this. Legal costs in these matters cause payment terms to be prolonged if costs protection of the National Credit Act. When the consumer applied for Debt Review a are not awarded to the consumer. However year ago he was around R30 000 in arrears. After such silly and frivolous terminations are entering debt review the bank kindly agreed to common even when consumers are paying restructure his debt, which meant he could pay regularly. It is hoped that the big banks find a smaller installments. They later changed their way to reduce these matters and avoid these minds after the Collett ruling because of some unnecessary costs and delays. delays in certain payments. In Court, the consumer admitted he had not always been able to make his payments on the third day of the month, as stipulated, because more news at www.debtfreedigi.co.za of transaction limits on his account. He said


INDUSTRY

CONSUMER

THE YEAR THAT WAS There is no doubt that it was a tough year legally speaking for consumers. The early “high” of Wesbank v Papier which said that Creditors should not issue Section 86(10) notices once a matter was set down to the “lows” of the Collett SCA decision - which allows for Creditors to try their luck in other courts even if the matter is set down at Magistrates Court. This is something that many bond and Vehicle finance Creditors then proceeded to do. The Collett judgment meant that consumers could then successfully defend matters (as long as they were regularly paying) but there were now extra costs involved. Many Consumers have racked up bills of around R18 000 defending homes meaning that homeloan repayments via debt review have to be put on hold while these costs are paid to attorneys. At the same time Banks are seeing their debts grow while these costs are paid and grow more frustrated. All in all the 86(10) process as laid out in Collett is costing both sides a lot of

money and mostly not accomplishing much good. If the cases where the bank gets leave to auction of properties or vehicles they are receiving poor recoveries and face decades long post debt review recovery attempts from consumers who will never use their services again. The section 129 ruling which allows for excluding accounts which have received these letters (unless the consumer responds in 10 days accepting the creditors proposal that they approach a DC - which then places them in legal doldrums and facing possible court action) Has also caused some concern and confusion as creditors struggle to decide whether to include or exclude these accounts. If excluded from debt review they face incredibly long recovery periods as DC could simply ignore these accounts allowing them to roll up to induplum figures for recovery after the review is complete.

CONT. PAGE 14


MARCH NCR cut help to poor consumers (subsidy for DC)

JANUARY

DCASA Code of Conduct

BASA, DCASA & PDASA all subscribe to Code of Conduct agreement

DCASA complaints dept launched

PDA fees increase

Tsunami in Japan

FEBRUARY SDC launch Forum DCRS goes live Wesbank V Papier Protests in Egypt & Libya


MAY FRB v Collett Supreme Court of Appeal judgment DCASA W Cape Committee protest walk out Formation of Concerned Debt Counsellors group in W Cape Peter Setou placed on “Special Leave” Osama Bin Laden pronounced dead using DNA proof

APRIL

JUNE

Consumer Protection Act

Major Banks Blitz Sect 86(10) terminations

Customers now meant to sign contracts with DC’s and PDA’s Royal Wedding of Kate and Will

Competition Commission rule against DCASA DC Fees Collett asks for leave to appeal to Constitutional Court Online concerned DC Forum launched- numbers grow DTI call for NCA amendment comments New W Cape DCASA committee announced


JULY

SEPTEMBER

DTI deadline for comments on proposed Regulations

New NCR CEO meant to be appointed - not made

African Bank announce closing of PDA

NCR announce new help desk: dcsupport@ncr.org.za

www.debtconcern.webs.com reaches 100 members

DC’s leave industry in wake of Collett

Alliance of Professional Debt Counsellors temporary committee elected (AllProDC)

NDMA roadshow

Terror attack in Norway

Euro Crisis

Rugby World Cup

AUGUST Peter Setou charged with Fraud and Misconduct Constitutional Court refuses Collett


NOVEMBER NCR Roadshows www.debtfreedigi.co.za New ABSA Debt Review Manager - Grace Nkomo RL Daly - no longer collecting on DR matters DCASA AGM USA officially end Iraq war

OCTOBER

DECEMBER

AllProDC Roadshows begin

Still no NCR CEO

NDMA roadshow

Kim Jong il dies

theDCI goes live Wikus Olivier appointed DCASA CEO Official Launch of AllProDC New NCR Board announced Euro Bailout announced Gaddafi killed


THE YEAR THAT WAS CONT. There seems no good way to solve these matters unless some independent negotiating is done outside of the court application and allowed for in the consumers budget. All in all this has meant so much extra work that many DC’s have left the industry due to being over worked. This in turn has placed strain on the NCR as they try to keep track of which DC is handling matters. Some consumers have been left in the lurch and even the Creditors are struggling to keep up to date. The awaited for 17.7 has quietly stolen into the industry as a means of advising creditors of changes but it has not received widely acclaimed approval from the NCR . the NCR are also in the midst of leadership troubles and investigations which has made their effectiveness limited. With the appearance of new DC bodies (first the sadly short-lived SDC and now more promising AllProDC) and looming changes to the NCA and regulations there may be some help for DC’s coming but not very soon. Those who cannot adapt in this legalistic process are feeling the pinch as the number of people entering debt review has slowed in the face of public confusion as to whether it is worthwhile or not. African Bank

have been vocal in proclaiming their increased revenue recoveries via the debt review process but many of the other large banks seem intent on letting their debt review departments shrink while allowing their legal departments to handle these matters. This is no doubt a long term strategy mistake but seems to plug the short term accounting and workload issues they face. High level replacements have been called in and a total strategy rethink hopefully looms in 2012. There is no doubt that revenue recovery via debt review is much cheaper for creditors; more realistic and consistent than collections via attorneys and agents. There is also an increase in Debt Counsellor quality happening as the industry thins out. However the financial feasibility of running a debt counselling firm is still a “tight” thing. One can only hope that 2012 will see many of the legal bunglings of our courts put right and voluntary steps taken by creditors to smooth the process and some effective leadership making a difference to the various role players.


So Debt Counsellors want specialised ATTORNEYS who can sort out all their DEBT COUNSELLING needs...

RM Brown & associates

www.rmbrown.co.za


Just a quick note on PAIA Your Section 51 PAIA Manual is due by the 31st December 2011 Visit the website for more information www.sahrc.org.za/home/index.php?ipkContentID=70&ipkMenuID=51


CONSUMER

INDUSTRY

PAIA... WHATS THAT?

IF YOU DON’T KNOW YOU COULD BE IN TROUBLE Many small businesses are scrambling to become compliant with the Promotion of Access to Information Act (PAIA) before the five year exemption to the Act expires at the end of December 2011. Many Business owners are not even aware of the Act and deadline. Small businesses and other private bodies are required to present information such as owner details etc in an electronic manual (for now) to the South African Human Rights Commission (SAHRC). PAIA aims to increase information flow, transparency and accountability in the public and private sector at a time when ironically there is a public uproar about government promoting what has been called a “Secrecy Act” in an effort to deny similar information to the public. The PAIA provision is in line with constitutional rights to access information in the public interest. This will provide individuals looking for information a clear idea of what is available if they can provide the necessary justification for wanting it. An application for information can be turned down with an explanation as to why the information will not be given. Such a response can also be appealed as well and can ultimately end up in a court battle for the information (It seems silly but it can and will happen. We saw what happened with the NCA) Back in 2005 the Department of Justice and Constitutional Development exempted small businesses (such as DC’s - who had not come into existence yet) recognising that compliance with such new and unexplored legislation could place a big administrative burden on

smaller businesses. Fortunately after 5 years there is now some clear guidance on what needs to form part of the Sect 51 Manual. For more advice on compiling your manual see our brief guideline in this issue. It is not as complicated as you may think to put a basic manual together. There is also no cost involved in submitting your version of the manual to the SAHRC. Chantal Kisoon (Head of the access to information unit at the SAHRC, ) said the SAHRC recognised the need to balance the purpose of the act with the needs of small businesses, which might not have the legal resources to comply. There are stiff penalties for noncompliance, for example: two years in prison for a business owner, or a fine, but so far these penalties have never been implemented. The commission had petitioned the Department of Justice to extend the exemption, but so far are still waiting for a response. If you run a small business you should try use the provided “guideline” in this issue or that provided on the SAHRC website at: http:// www.sahrc.org.za/home/ and should send it through to them in a PDF or via post. If possible you should also then put it on your company website and make it available to visitors to your business along with an application form (called form c) for consumers to fill in to request information from your company. So don’t panic just take 20 min and fill in the needed info put it on your letterhead and away you go. NEXT The link to download an example


INDUSTRY

CONSUMER

Promotion of Access to Information Act Sect. 51 Manual - free download Download the following PDF which can be used as template for your own Sect 51 Manual. You can cut and paste the text onto a page with your company LOGO (it should be around 3 pages long) You will need to change one or two details right at the beginning like company name, address, and your name of course. Other than that you should be able to leave all the other information on Pg 2 and 3 as is.

http://debtfreedigi.co.za/?p=332


PAIA 51 Form C request document free download When a consumer whats to get information they need to submit this form. The Form needs no changes - unless you want to add your company LOGO to the top of the page You should make the form available to the public.

http://debtfreedigi.co.za/?p=341


Consumer section launc


UNITED WE STAND

ches 31 December 2011 www.thedci.co.za


Debt Wise Solutions

Debt review and distribution software. Proud Software provider to DC Partner, Payment Distribution Agency.

https://debtwisesolutions.co.za


As one of the five NCR accredited PDA’s (payment distribution agency’s) DC Partner has been part of the debt review industry since August 2008. Situated in George in the Western Cape, we are also the only PDA south of the Orange River. The systems, infrastructure and staff of DC Partner have been exposed to collection and distribution of payments for the past decade. DC Partner strives to render services of the highest standard to customers. DC Partner makes use of excellent software, provided by Debt – Wise. The PDA module is locally based and inherently linked to the Debt – Wise Debt Counseling software, which is internet based. Consumer information seamlessly passes from the Debt Counseling System to the Payment Distribution Agency. We are very excited to announce that we have integrated our PDA distribution system with the Debt-Wise front end software. The distribution system was developed to integrate into the Debt-Wise software in such a manner that the user will not need to change anything in their systems, but could just continue with their day to day work and would see the distribution side as an additional tab on their home screens.

At this stage we are systematically moving all our current clients to the new system and this goes hand in hand with in office training by one of our skilled training officers. Our main focus during the planning and creating of this system was to maximize data availability and accuracy. The DC can log into the system from anywhere in the country and with the click of a button he/she will be able to see what is going on in their dedicated PDA trust account, which clients made payments within the last 1, 2, 8 or even 24 hours, what fees are due to be paid to him/her, which files have distributed, which clients are in default. We do daily distributions on this system and it is therefore important to make the system as user friendly and interactive as possible as things happen very quickly. This will enable the DC to always see and be on top off what is happening to all of their clients and react, if needed, immediately. DC Partner offers free in house training at any location in the country and we will also give all interested DC’s free access to our system for a trial period of up to three months.

For any further queries please feel free to contact our offices at any time. DC Partner George Office Willie Boshoff – pda27@dcpartner.co.za Arnold Steyn – pda28@dcpartner.co.za Herman Joubert – herman@dcpartner.co.za 044 873 4440, 044 873 4530, 044 873 4532 DC Partner Gauteng Office Francois Van Zyl – francois@dcpartner.co.za Konstant De Vos – vossie@debt-wise.co.za 012 348 7624


If you are wondering what the new “consumer section” at www.thedci.co.za is going to be about and how it can help you, then we have good news for you. theDCI website is a meeting point for all role players in the consumer credit and debt counselling industry. This means that on theDCI website there is information for Debt Counsellors, Credit Providers, Attorneys, Insurance providers and now: consumers. Consumers are arguably the most important part of the industry. After all, if there were no consumers there would be no need for credit providers. Unfortunately many consumers are experiencing debt stress right now. theDCI is now going to be able to offer impartial advice and guidance, as well as news, to consumers who are feeling the pinch. Is debt counselling the route for you or maybe sequestration? Are there other options? Well, speak to a Debt Counsellor and they might be inclined to suggest debt review while a sequestration Attorney will recommend...you guessed it: sequestration. However theDCI is neutral and merely offers consumers options that they can explore. More than that, theDCI has an extensive vetting process for any service providers who appear on the database. Consumers can have confidence that if they are given a few names of companies that might be able to assist them that these are no fly by night affairs but rather stable certified companies with experience in their respective fields. For example any Debt Counsellor who registers with theDCI has to provide information such as: their ID, NCR certificate and proof of renewal fees being paid each year before being considered. If a

consumer requests information about a Debt Counsellor (or attorney) in their area then theDCI will provide not one but three different Debt Counsellors who operate in their area. theDCI will also forward those three Debt Counsellors the consumers contact details so that they can call the consumer and save them some more money on phone calls. theDCI only provides consumers with a choice of verified Debt Counsellors who are listed on theDCI database. Consumers can then use their own discretion as to who they would like to use based on the contact they have with these companies. theDCI receives no financial gain from any Debt Counsellor, Debt Counselling Association or the NCR. These are free leads given to DC’s who belong to theDCI as these DC’s obviously believe in what theDCI stands for and carry along certain work and service ethics in their business, which will enhance not only the perception of the debt counselling industry but also help the many consumers get the financial relief that they need, knowing the full facts and issues prior to entering into an agreement with a Debt Counsellor. theDCI consumer section will offer accurate information which will help counter common misconceptions that exist about dealing with debt under the NCA. With a variety of perspectives (eg. legal, debt counsellors, credit providers) consumers will receive a rounded picture of the options that they can utilize to deal with their debt. Best of all, it will not cost consumers a cent as the advice and access to theDCI portal is entirely free. No charge! What could be better for consumers facing tough financial times? So head over to www.thedci.co.za on the 31st of December 2011 to take advantage of the new consumer section.


SERVICE DIRECTORY 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 ph. 021 701 7744 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 DebtSafe 0861 100 999 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

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 Debt Counselling South Africa Cape Town Branch Tel: 021 919 66 94 Rod De Witt NCRDC831 Visit: www.debtcounsellingsa.co.za Debt Knowledge Debt Counselling 082 379 2337 Debtonators 041 585 0276 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

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

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 MG Consulting NCRDC 1403 Strand - Helderberg Area Telkom : 021 853 4537 Mobile Phone: 082 450 7459 / 082 782 0595 Fax Number: 0866 220 690 E-Mail: info@mgconsulting / cambouris.christina@gmail.com 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 Think Green Debt Counselling Sandi Pauw sandipauw@mweb.co.za Tel : 012 991 6638 Cell : 082 460 7800 Fax : 086 219 2615 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

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

EASTERN CAPE: 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 BOND CHOICE P.E. Andrea Atkinson Office: 041 393 7000 Email: andrea.atkinson@drssa.co.za

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 MTHATHA Herman Marais Cell: 082 378 3743 Email: herman@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 KIRKWOOD Keith Le Roux Cell: 073 207 1675 Office: 041 451 0474 Email: keith@drssa.co.za


DRS PORT ELIZABETH Derryn Fish Cell: 084 515 6135 Office: 041 453 8961 Email: derryn@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 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 DE AAR Veronique Louw (Derryn Fish) Cell: 076 382 2020 Office: 053 631 1189 Email: deaar1@drssa.co.za

DRS RUSTENBURG Amanda Johnson Office: 041 373 9693 Email: dcfull@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

KWA ZULU NATAL:

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 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

U-Win Debt Counsellors Coreli Roos - NCR DC 509 Aliwal North, Burgersdorp, Bethulie, GariepDam, Smithfield, Springfontein Cell:079 626 66241 croos@global.co.za Rihanyo Debt Counselling (012) 804 50 57 SUPPORT SERVICES

Business and Personal Website and Software, Design and Development Services. Contact Number: +27 76 382 0933 Email: info@myecommerce.co.za Web: http://myecommerce.co.za Staff Line Ndizani Executive Recruitment Cell no: 083 3028163 Direct Line: (011) 468 - 2150 E- Mail: saki@staffline.co.za Blank Design For all design and marketing needs including websites, brochures, business cards etc. Steve Rosenberg steve@blankds.com 083 700 2020 www.blankds.com Designtimes South Africa’s creative resource www.designtimes.co.za

TRAINING Compuscan Academy 0861 51 41 31 www.compuscanacademy.co.za 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

FINANCIAL PLANNING Eric Streso Financial Planner B Juris LL B CFP MBA Tel: 0833273358 Fax: 086 612 7912 LEGAL Brett Carnegie Attorneys Tel: +27 (21) 4470332 Fax: +27 (21) 4470338 Mobile: +27 (0)82 320 6099 www.carnegielaw.co.za Suite 23(B) Unit 8 Waverley Business Park Mowbray 7700 Scheepers Attorneys Gerhard Scheepers schlaw@iburst.co.za

STD Bank Debt review Helpline Telephone: 0861 111 402 TransUnion 0861 482 482

LUCID Attorneys Tel: 011 880 1100 Fax: 011 880 1101 Email: info@lucidsa.com www.lucidliving.co.za/attorney

Thinkmoney Financial comparison website Contact: Gareth Mountain Tel: 079 0996 798 www.thinkmoney.co.za

Ludick Attorneys bev.ludickattorneys@gmail.com

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

Prinsloo & Associates Attorneys and conveyancers Nanika Prinsloo Farm Bergamot, Paarl 7620 P O Box 6199, Paarl 7620 14 Laing Street, Barrydale 6750 Cell: 072-8558-106 Fax: 086-623-5986 nanika@vodamail.co.za www.empowerlaw.co.za

RM Brown and Associates 601 Pier House, 13 -17 Heerengracht, Cape Town Docex 138 Cape Town t: 021 431 9127 f: 021 425 0875 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 CREDIT BUREAUS Compuscan 0861 514 131 www.compuscan.co.za Computer Profile Bureau 0861 28 7328 www.c-p-b.co.za Experian www.experian.co.za Business- 0861 63 60 70 Consumer- 0861 10 5665 Micro Lenders Credit Bureau 0861 28 7328 www.mlcb.co.za TransUnion 0861 886 466 www.transunion.co.za XDS 0860 937 000 www.xds.co.za


OTHER Association of Debt Recovery Agents: 011 781 3337 www.adraonline.co.za Banking Ombud 0860 800 900 www.obssa.co.za Credit Bureau Association 011 463 8211 www.cba.co.za

Motor Industry Ombud 012 841 2945 www.miosa.co.za National Credit Regulator 0860 627 627 Ombud for Short term Insurance 011 726 8900 www.osti.co.za

Credit Providers Association 011 789 6825 www.cpa.org.za

Pension Funds Adjudicator 021 674 0209 www.pfa.org.za South African Fraud Prevention 0860 101 248 www.safps.org.za

Department of Trade and Industry 0861 843 384 www.thedti.gov.za

The Banking Association 011 370 3500 www.banking.org.za

Financial Advisory and Intermediary Services Ombud 012 470 9080 www.faisombud.co.za

SA FRAUD PROTECTION SERVICE (FREE SERVICE) www.safps.org.za 0860 101 248

Financial Services Board 012 428 8000 www.fsb.co.za Furniture Traders Association 011 789 6770 Legal Resources Centre 011 836 9831 www.lrc.org.za Long Term Insurance Ombud 021 657 5000 www.ombud.co.za Micro Finance South Africa 012 345 0809 www.mfsa.net

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Debtfree DIGI Dec 2011 theDCI Special Edition  

theDCI Special Edition of Debtfree DIGI Dec 2011

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