Debtfree South Africaâ€™s debt counselling magazine
September 2012 www.debtfreedigi.co.za
Debt Wise Solutions
Debt review and distribution software. Proud Software provider to DC Partner, Payment Distribution Agency.
CONTENTS 5 Editors notes
12 DEBT VADER 18 The rise and fall of VDMS
22 Securitisation for dummies
28 Letter from a reader
S im plicit y
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EDITOR’S NOTE Spring has sprung! Summer is just around the corner. It is a great time of year as we push towards December and all that brings. The change of season gets us thinking about the fact that the end of the year is suddenly so much closer than we realised and that we better get ready to squeeze our winter bodies into our swimming costumes. I think mine must have shrunk in the wash or something! Well, if you are under debt review a diet (if that’s what you call just eating less) is a great way to cut down on the crazy raising food costs and exercise is a great form of entertainment that can be achieved for minimal costs. Prices are shooting up left, right and center; with fuel costs being a big factor and add to that issues in other parts of the world to do with wheat costs and it is a recipe for a very skinny December after all.
read more about the rise and fall of the VDMS system. More than that you can read about how the NCR have now withheld the carrot they were offering to the NDMA in the form of taking over the job of registering consumers under debt review with the various credit bureaus. It has not been a great month for the NDMA!
We feature articles from the Dark Sith Lord of debt review Debt Vader and legal opinions that will have you giggling but thinking about new ways of looking at things. It is great to see the regulator pushing credit providers to put their money where their mouth is and show increased support for the debt review process. Lets hope they take the advice to heart and that consumers under review will see increased co operation from their creditors. This would be a great weight off their backs ...now if only we If however we put all that aside for a moment could get the weight off our bellies we could and think about what has been happening actually hit the beach. in SA with regard to debt review and the debt counselling industry there have been So keep up the good work and don’t lose some interesting developments. The NCR momentum now. Start to plan for the end of have shown their teeth over the Voluntary the year right now and keep taking another Debt Mediation Solution (VDMS) which they step towards being debt free. decided was seemingly an unregulated form of debt review which undermines the statutory process that hundreds of thousands of South Africans are making use of. This issue you can
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NEWS FLASH For daily debt counselling news visit www.debtfreedigi.co.za
CONSUMERS IN A LOT OF TROUBLE NCR data shows that as of the first quarter of 2012, about three out of every five consumers were late on at least one of their debt obligations.
AFRICAN BANK AUTOMATE THEIR COB SYSTEM African Bank have asked to be informed if a DC changes their contact details as they will not actually be reading, or as they say “perusing”, the 17.1 documents they receive; a computer will. It can only remember 1 contact number for each matter and they cannot accommodate multiple email addresses. Please also don’t send any additional requests (e.g. cancellation of debit orders) along with the 17.1 rather send it as a separate mail or their COB computer will ignore your request.
ABSA OUT TO GET DEBT COUNSELLORS OPINIONS ABSA have begun a new round of their DC Barometer interviews. They have contracted Consulta Research to contact DCs and get their opinions on ABSA’s Debt Review Department. DCs should expect an email in this regard.
ALLPRODC WORKSHOP IN CAPE TOWN
The Alliance of Professional Debt Counsellors met in Parow, Cape Town during September to discuss the challenge of how to identify Reckless Credit and then to create appropriate documentation for court. The workshop was attended by over 25 Debt Counsellors. Debt Counsellors can help courts identify reckless credit, but only Magistrates can make Orders in regard to setting reckless credit aside or postponing payments on these accounts. Caroline Smith of the NDMA and Kornel Steyn (from the developer) discuss the Central Data Switch (CDS) at the workshop. She informed those attending that creditors were now testing the system. DCs asked to register in advance so that their details can be verified in advance of them going live on the system in the near future. They hope to have much of the planned functionality ready by early 2013. The Workshop produced good results and saw various Debt Counsellors saying they would now try to pursue a reckless lending case in the weeks to come. AllProDC recently held another regional workshop back on the 23rd of August where 11 key areas of concern are being experienced by DCs. These concerns were forwarded to the NCR. The NCR have now asked them for additional information in order to investigate further.
NCR TO KEEP WWW.NCRDEBTHELP.CO.ZA RUNNING The NCR had recently indicated that it would be handing over the function of informing the credit bureaus of consumers debt review status to the NDMA. They have now changed their minds and decided to keep the troubled web system running (at least for now). The NCR have said: The National Credit Regulator wishes to advise all debt counsellors and credit bureaus that it has no intention of handing over the NCR Debt Help System to any other party, including the NDMA. The NCR will continue to operate the said system and provide its function on a continuous basis to debt counsellors and credit bureaus until further notice. Debt Counsellors are requested to ensure that all debt review applications are registered and updated on the NCR Debt Help System.
DCASA CEO RESIGNS DCASA ‘s CEO Wikus Olivier has resigned. The Debt Counsellors Association of South Africa’s Chief Executive Officer has handed in his resignation. He has told Debtfree DIGI that he will now be able “to follow other interests”. Wikus has been instrumental in bringing DCASA’s web and social presence up to date over the last few months. DCASA members will miss Wikus’ constant presence on the DCASA forum and at meetings. Ironically he has only just finished traveling the country to various regional DCASA meetings to introduce himself. Wikus will be missed and Debtfree wish him the best in his new venture.
NCR AND VDMS In their CIRCULAR No.06 of 2012 the NCR have informed the public that they are bringing the VDMS project to a halt. Here is an extract from the circular: ASSESSMENT FINDINGS ON VOLUNTARY DEBT MEDIATION SOLUTION Our assessment has revealed that the implementation of the VDMS pilot would contravene the National Credit Act 34 of 2005 (“the Act”) and undermine statutory debt counselling. The VDMS pilot is in essence a masked form of debt counselling with attributes similar in nature to statutory debt counselling. It also weakens the protection afforded by the Act to consumers and undermines the spirit and purpose of the Act in respect of debt counselling.” The NCR has instructed the National Debt Mediation Association (NDMA) not to implement the VDMS pilot and also issued instructional letters to participating debt counsellors and Payment Distribution Agencies (PDAs) to withdraw participation with immediate effect. For more on this see our article this month called The Rise and Fall of VDMS.
NCA CHANGES - THE DTI WANT HELP The DTI have approached theDCI and both Debt Counsellor associations (AllProDC and DCASA) for suggestions in regard to sections of the National Credit Act which might need some attention in possible amendments to the Act. theDCI report having received over 300 emails from DCs within the first week of calling for suggestions.
DCASA CONFERENCE SUCCESS
ABSA’S SECTION 129 LETTER STATS A Section 129 letter is a: ‘we are about to sue you, get help or pay up’ letter. During the period January to May 2012 ABSA dispatched some 5 195 section 129 letters in respect of unsecured loans. In the same period 19 555 Section 129 letters were sent out to consumers in respect of default on credit card debt. During 2012 ABSA’s computerised system has to date generated between 10 000 and 15 000 Section 129 letters per month in respect of asset and vehicle finance. In total that is around 40 000 Section 129 letters or 6500 letters a month.
August saw DCASA host their annual conference for Debt Counsellors and Creditors about the debt review industry. The theme was “tomorrow-today”. It was described by those attending as a “success” and “well put together”. Various speakers discussed current industry developments and plans for amendments to the NCA. A last minute change saw the NDMA presentation on VDMS moved to the morning session. No questions were taken in regard to the VDMS pilot project which the NCR has subsequently stopped. Many members were sad to hear of DCASA CEO Wikus’ resignation, but over all, the conference went off without a hitch. With nearly 100 extra attendees, it was a great success indeed.
NEXT PAGE 12
DEBT VADER NEXT PAGE 18
RISE AND FALL OF VDMS
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.
Virtual arrears As the Debt Counselling industry evolves, it becomes more and more evident that credit providers treat Debt Re-arrangement Court Orders as inconsequential, even going so far as to ignore the court orders by refusing to update their internal computer systems to reflect the restructured debt as per the Debt Re-arrangement Court Order, and placing themselves intentionally in contempt of a valid and enforceable court order.
deficit expresses itself as an arrears amount which accumulates during the existence of the Debt Review and upon which the bank charges interest (which they are not entitled to), thus creating debt out of “thin air”.
In the instance where a consumer wishes to withdraw from the Debt Review process, the Credit Providers request a withdrawal form (17.4) issued by a Debt Counsellor before they will entertain any request by the consumer. Thus the immergence of the “virtual arrears” Once the withdrawal form has been issued, the which are arrears accumulated before the consumer no longer enjoys the protection of application for Debt Review and during the the NCA and this places them in an unenviable debt re-arrangement process. It is accepted bargaining position. that when a consumer enters the Debt Review process, any arrears that may have existed on Some of the banks make ludicrous demands their accounts is capitalised. The consumers are on consumers, they will demand that 50% of then expected to pay in respect of the Debt Re- this “virtual arrears” be paid upfront, and that arrangement Court Order, a specific amount of the other 50% is to be paid over 6 - 9 months, money to their Credit Providers, over a specific while the consumer continues to pay the time and at a specific interest rate, all of which normal contractual installment, thus making is documented and confirmed in the court it impossible for a consumer to comply with order itself. the arrangement or to successfully exit Debt Review. The result being that the consumer The unwillingness of the Credit Providers to could lose their property. change their internal computer systems to accommodate the new arrangement reflected These “virtual arrears” seems to be how the on the Court Order, results in a deficit between banks calculate which consumer they are the original contractual installment and the going to be harassing into higher installments debt review installment (virtual arrears). This (paid outside of the Debt Re-arrangement
Court Order) or withdrawing from the Debt Review process. This harassment takes the form of constant sms’s, letters threatening the consumer with enforcement action and even premature terminations, or attempts to rescind the Debt Re-arrangement Court Orders. The higher the “virtual arrears” become the more high risk that consumer becomes and the more pressure the banks will place on the consumer, in some instances going so far as to summons consumers. From my understanding of the process, the Court Order varies the original contractual agreement between the parties. My reasoning is that in accordance with the original contract variation clauses, consensus has been reached between the parties and it is reduced to writing. When the Credit Provider receives the Debt Review proposal or the court application documents he has an opportunity to oppose and/or negotiate, thus creating consensus between the parties. If the Court Order is taken without opposition then the consensus on the part of the Credit Provider is tacit because of his omission to act. As long as the consumer pays in terms of the court order, there should be no arrears. Only when a consumer defaults in terms of the court order, then the credit providers may terminate the debt review but they are not entitled to the “ virtual arrears” which accrued during the debt review or the interest thereon.
contract between the parties and thus cannot sue for foreclosure balances based on the terms of the same contract he just cancelled. This will require a new application as it arises from a new cause of action. Another concern is that if a debt re-arrangement court order has been granted, how does an employee of a credit provider get to make the unilateral decision that the consumer is in default (as no notice to the consumer is required in terms of S88 of the NCA) and proceed with enforcement action without first rescinding the debt rearrangement court order. At present, consumers who default are left in the situation where the banks demand unreasonable installments in respect of these arrears and the tacit underlying threat is that if the consumer does not pay these monies, the bank will proceed with enforcement action and execute against their property. Once again the result has been that consumers who apply successfully for Debt Review are held to a stricter set of rules by the credit providers, and they victimize and capitalise on these consumers who are already in financial dire straits.
Once a credit provider cancels a debt rearrangement court order and proceeds with enforcement, he effectively cancels the entire Mail your comments to Debt Vader on email@example.com
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The rise and fall of VDMS
NCR issue circular 04 of 2012 re say they are now investigating asked NDMA to put project on h
COSATU Recently the Banking Association of South Africa and the NDMA (a credit provider representative body) began to promote an alternative to debt review called VDMS. The system offered voluntary debt mediation rather than statutory debt review and debt restructuring through the courts. For several months the NDMA developed and promoted the project as a cheaper, easier alternative to debt review via the courts. At the last minute the National Credit Regulator told the NDMA to stop work on the pilot project.
Debt Counsellor and and Attorney K Brede investigate possible 02 July 2012 named as starting
Octogen, Consumer Assist and Debt Bu to be part of pilot project
DCASA members discuss VDMS at regional me DCASA ask NDMA for more info theDCI pushes NDMA for more info
NDMA state that DCRS is to be used NDMA state that DCs will be chosen by creditors to assess & propose repayment plans JUNE 2012 AllProDC discuss VDMS at regional meetings NDMA circular on VDMS issued MAY 2012
e VDMS to g and have hold
JULY 2012 KNY Consulting appointed by NCR to investigate VDMS Planned launch date comes and goes theDCI and NDMA present different views on VDMS in the press DCASA newsletter says DCASA NEC support VDMS project
U add their voice of concern
d theDCI founder Deborah Solomons enkamp issue legal demand to NCR to conflicts with NCA date
usters named as DC firms
AllProDC state they do not support but will not stop members from being part of project Deborah Solomons and Attorney Ken Bredenkamp send another demand to NCR and DTI that findings be made known.
AUGUST 2012 DCASA CEO Wikus Olivier resigns DCASA conference NDMA speak at DCASA conference regarding VDMS
27 August 2012 NCR release findings and tell NDMA not to proceed
DCASA release next newsletter which still promotes VDMS concept
How VDMS What the was similar problems to debt were review
The NCR have said that since the Debt Counsellors would get work from the credit providers and payment from them, this Debt Counsellors would be used to make would be a conflict of interest and in breach proposals to creditors. of the National Credit Act. The PDAs are also not allowed to handle money for any other Debt Counsellor software called DCRS would purpose than that allowed by the NCR namely: be used to make proposals. debt restructuring via debt review. VDMS would not be regulated by anyone Creditors would allow for reduced debt other than the creditors themselves and repayments over longer periods. would have no judicial oversight. there would be little legal protection for consumers if Money would be distributed via the various things went wrong. The NCR published a debt review Payment Distribution Agencies. circular in which it stated: “...implementation of the VDMS pilot would contravene the National Credit Act 34 of 2005 (“the Act”) and undermine statutory debt counselling. The VDMS pilot is in essence a masked form of debt counselling with attributes similar in nature to statutory debt counselling. It also weakens the protection afforded by the Act to consumers and undermines the spirit and purpose of the Act in respect of debt counselling. The NCR has instructed the National Debt Mediation http://debtfreedigi.co.za/voluntary-debt-mediation/ Association (NDMA) not to implement the VDMS pilot...” One NCR employee put it this way: “This is not an invitation to the [NDMA] to redesign the process - we are putting an end to it and will...make sure it has stopped”.
See our dedicated VDMS webpage
n o i t a s i t Securi FOR
S E I M DUM
rm e t is h t d r a e h e v a th Recently you migh . d n u o r a n w o r h t g in â€œsecuritisationâ€? be ? What does it mean ge 22
pa n o d a e r t u o d n fi to
Securitisation FOR DUMMIES Recently you might have heard this term “securitisation” being thrown around. What does it mean?
Mr Consumer moves into his new house. During this time Big Bank lumps Mr Consumer’s bond together with a few other credit accounts and sells them to SPV. SPV buy various accounts and give Big Bank money. They are actually buying the future earnings of these various accounts. But just in case something goes wrong SVP insure the payments to these accounts. SVP now sell these “securities” on the various local and international bond markets and stock exchanges. Investors buy them and hope to make profit over time.
What a pretty house Mr Consumer goes to Big Bank to take a bond for his new house. The house is valued at R500 000.00 (+ - average bond amount in South Africa at the moment).
A few months later Mr Consumer hits a rough patch and can no longer make his full bond repayments.
Big Bank grant Mr Consumer a bond and he purchases the house.
Big Bank now start to call and email and sms Mr Consumer.
Yay! I own a house.
Mr Consumer cant pay up, so Big Bank send him a Section 129 letter and then a summons. Next, they get a judgment against Mr. Consumer and get permission to sell the asset on auction. (But are they actually allowed to?)
The house gets sold on auction for R200 000.00
Yay, more money!
Securitisation has been around in SA for nearly 20 years. SPV now go to their insurance company and BASA say that they are securitising around R30 claim on their insurance policy. The investors Billion each month. get their money. Consumer rights organisations like the NewERA want banks to be more transparent and tell consumers who it is that actually owns their bond. They also ask if Big Bank has sold Yay, more money! Mr Consumer’s bond to someone else, can Big Bank sue the consumer and then sell the house on auction and still come back and collect on the shortfall? In law this issue is called “Locus Standi” Big Bank now approach Mr Consumer from time to time over the next 30 years demand that Mr Consumer pay them the R300 000.00 For more information, feel free to visit shortfall (plus interest) as per the court www.thebigcase.co.za judgment. www.newera.org.za
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Central Data Switch envisaged to improve efficiency of debt review data exchanges The National Debt Mediation Association (NDMA) is in the process of developing a Central Data Switch (CDS) which is envisaged to ultimately automate the statutory debt review data exchanges for all debt review applications. The new system will be easier to use and will have the added benefit of full integration to a debt counsellor’s system. This means that if you use a system that interfaces to CDS you will not have to re-capture consumer information and debt review statuses on another front end. CDS Project Manager, Caroline Smith says the NDMA has also developing a web front end that can be used to capture relevant information until such time as all Debt Counsellor system are ready with the interface. All debt counsellors are invited to register on the new system. There is no cost. To do this they must fill in a registration form and return it to the NDMA. The form can be downloaded from the NDMA website: www.ndma.org.za - click on the documents tab then search under “General”. Upon registration, Debt Counsellors will receive an e-mail with a user name and password which will enable the use of the CDS in the near future.
For more information please contact Caroline Smith on 011 326 3459 or email email@example.com
LETTER FROM A READER Debt is a world-wide phenomenon, glorified by banks in the form of credit cards, personal loans, mortgage bonds and the like. Using media marketing as a launching pad for idealistic representations of the financial freedom that an overdraft, credit card or loan can bring, the banks publicise an “acquire now, pay later” mentality. Perhaps some may find that description a little disparaging, but the fact remains that we find ourselves in a world wide credit crisis. As Mark Twain said: “A banker is a fellow who lends you his umbrella when the sun is shining, but wants it back the minute it starts to rain”. To continue on the same tack, not only is the banker going to want his umbrella back, but he knows when the rain will start and how many people will be caught in the storm. Through experience, statistics, projections and financial analysis, the banks can accurately predict figures as to non-payers and defaulters, on an annual basis. This is how they assign a budget in the form of legal costs necessary to regain ownership of that metaphorical umbrella, be it a house, car, lounge suite or television.
It is at this point that the banks no longer ask: “How can we help you?”, but rather: “How can we help ourselves?” And the promise of: “Today, tomorrow, together” seems to fall away just as tomorrow begins to dawn, leaving the consumer to wonder why that family in the advert promoting personal loans looked so damn happy. That must have been the “today”, when they were enjoying their credit funded holiday, preceding the “tomorrow” when petrol prices rocketed and inflation leapt forward, making those interest drenched repayments incredibly difficult to maintain. I certainly believe that necessary debt is manageable. However, unforeseen and unpredictable financial burdens and occurrences such as job loss, retrenchments, death of a bread winner can thrust one into an unmanageable debt trap. This is the stage at which the bank’s seeming “nemesis”, the Debt Counsellor, steps in to offer that help and to see the consumer through that tomorrow, to weather the storm and salvage the umbrella. But what if the Debt Counsellor and the bank enjoyed a more harmonious
relationship? What if, instead of opposition to debt review applications the bank, upon receipt of the notice of motion, or even prior thereto were to approach the Debt Counsellor and quickly agree on a revised payment structure? What if the Debt Counsellor were to take the debt review order by consent on the first set down date at court? If the banks were to reform their infrastructure to link the foreclosure, repossession and debt collection departments with the Debt Review department, that for one would be a step in the right direction. I say this because whilst employed as an attorney at a bank panel firm, doing foreclosures and vehicle repossessions, I would often receive appearances to defend, the basis of the defence being that â€œthe consumer is under Debt Reviewâ€?. The bank would then instruct us to withdraw and tender costs. Had the foreclosure department been in closer communication with the debt review department, this would not have happened, and there would have been no cost implications. Building on this first step, if the banks had to revise their debt recovery budget and instead of instructing attorneys to foreclose or repossess in every instance, direct communication channels between the internal debt review department and Debt Counsellors could be established to facilitate a speedy, almost automatic debt
review process at a fraction of the cost of litigating. In order to establish the feasibility of such a proposal, an enormous study with many variables will have to be conducted: How many debtors are to be handed over to attorneys? How many will qualify for debt review? What percentage reduction on a monthly repayment amount as an average across the board, considering the length of the repayment period will be reasonably viable? What is the sustainable lifespan of this approach? Etc etc. The time and money required would no doubt be significant, but if the result has the potential to, in the long run, save the banks time, save them money and put them first, which will in turn put the consumers and Debt Counsellors first as well, why should it not be done? The big question is If this is a great Idea then how do we get the banks on board?
Keegan Oâ€™Connell firstname.lastname@example.org TEL 021 462 1663 FAX 0866 504 550 303 Millborough, 70A Upper Mill Street, Vreedehoek, Cape Town, 8000
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Information resources & services www.thedci.co.za Designtimes South Africaâ€™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 email@example.com Eric Streso Financial Planner B Juris LL B CFP MBA Tel: 0833273358 Fax: 086 612 7912 Fair Debt 0829019788 or 012-3772558 firstname.lastname@example.org PACFIN Financial Solutions Head Office Tel: +27 11 9757445 Fax: 0865368783 36 Van Riebeeck road Kempton Park 1619 email@example.com Monte Carlo Building No 8 Voortrekkerstreet Kempton Park 1619 Kempton Park Contact: Reyno Coetzee Tel: +27 11 3945363 Fax: 0866048002 Cell: +27 73 3690884 firstname.lastname@example.org 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 email@example.com
Springs Contact: Wynand Mclachlan Tel: +27 11 8113728 Fax: +27 11 8113728 Cell: +27 83 2754014/5 firstname.lastname@example.org 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
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: email@example.com
Karen van Staden Tel: 012 998 9117 / 012 993 2132 Scheepers Attorneys Fax: 086 721 6467 / 086 662 1153 Gerhard Scheepers IsEmail: it firstname.lastname@example.org to expand your Debt Counselling email@example.com practice? firstname.lastname@example.org www.hauptearle.co.za Agiliti CC Do you need specialist Attorneys with a national Colleen Van Wyk(BCom, LLB) footprint? LUCID Attorneys Tel: 083 290 0848 Do you need expert advice on how to protect Tel: 011 880 1100 Tel: 011 740 7374 your practice and your clients? Fax: 011 880 1101 Fax: 086 716 9694 Are you informed about recent statutory and Website: http://agiliti.co.za Email: email@example.com legal developments within the industry? www.lucidliving.co.za/attorney
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Attorneys servicing individual needs
Pretoria: +27(0)12 998 9117
Compuscan 0861 514 131 Nelspruit: +27 (0)13 752 7084 www.compuscan.co.za
Oâ€™Connell & Associates Attorneys at Law Keegan Oâ€™Connell firstname.lastname@example.org Tel 021 462 1663 Fax 0866 504 550 303 Millborough, 70A Upper Mill Street, Vreedehoek, Cape Town, 8000 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 email@example.com www.empowerlaw.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
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