Debtfree Magazine Issue #2 of 2021

DO YOU HAVE REALISTIC EXPECTATIONS? Issue 2 of 2021

EXCELLENCE IS DOING ORDINARY THINGS EXTRAORDINARILY WELL – John W. Gardner

WHAT MAKES US EXCELLENT? / Unimpaired and automated PDA systems / Integration with top-ranked Debt Counsellor systems / Enhancing Debt Counsellor efficiency and sustainability / Best customer support in the country – queries are resolved within 24 hours / Strong compliance and best-industry-practice implementation is at our centre

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FROM THE EDITOR Is it possible to be grateful that we made it out of 2020 alive and yet still moan about 2021? Is it too soon? Are we being ungrateful?

At least we are not Elon Musk who lost $4.6 Billion the other day when Tesla shares devalued a little, ouch! Imaging having that much to lose in the first place, still, its got to be tough to go from the richest man in the world to the second richest man. I suppose he will be laughing down at us from his castle on Mars, with his robot butler, in years to come and will have forgot all about it by then.

As for the rest of us regular Joes, the last few weeks have been tough. It has been hard to get motivated and stay motivated about 2021, vaccines or no vaccines. World powers America, Russia and China continue their political games on the global stage while back home they are all a hot mess. It’s hard to get other nations to listen to you when your own people won’t. Even the lure of “vaccines for cooperation” has somewhat lost its shine.

On the home front, vaccines have started to roll out to Presidents and doctors alike (not ex-Presidents though). This promises an extra layer of protection to the front line workers who have been putting their lives on the line for us. This is actually something to get excited about, these hard working people deserve all the help they can get. We can choose to focus on good news like this.

There is, however, a ‘disconnect’ between the expectation of how 2021 would solve everyone’s problems, with the reality that 2021 is not going to be a cake walk. This is the common battle between expectation and reality. This challenge is what we dive into in this issue in some detail, regarding debt counselling - the unrealistic expectations some people have about debt review versus the realities of being in the process.

Having realistic expectations can really help people who are in the process make good decisions, and to face the challenges that come their way. We hope you enjoy the news, reviews, tips and interviews in this issue that aim to both entertain and inform you.

So, yes, I think we can take just a moment or two to feel a little sorry for ourselves that times are no easier in 2021. We can’t all run away to another planet to escape our problems. However, even now, we can choose to focus on the more positive things going on around us, and work to find joy in our day to day activities. This can be our reality, and for those who stick to the debt review process, their hopeful expectation of ultimately getting out of debt will soon be met by the reality of being totally debt free. being debt free.

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MAKING INDUSTRY TERMS EASY TO UNDERSTAND

DEBT REVIEW TERMS EXPLAINED

SET DOWN AT COURT Debt review is a legal process done through the courts. A Debt Counsellor will first negotiate with credit providers and then report on those negotiations to the local Magistrates Court, where the consumer lives or works, in official court papers.

Debt Counsellors or the client’s attorneys will drop off papers at the Magistrates Court* and get a date when the case will be discussed or heard at court. Credit providers might also submit their own papers about the debt restructuring as well.

This is known as having the matter set down at Court. *or other applicable court or tribunal

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REALISTIC EXPECTATIONS

NEWS

MEDIATION TRAINING REVIEW

COMPETITION WINNER

SERVICE DIRECTORY

DISCLAIMER Debtfree Magazine considers its sources reliable and verifies as much information as possible.

However, reporting inaccuracies can occur, consequently readers using this information do so at their own risk. Debtfree Magazine makes content available with the understanding that the publisher is not rendering legal services or financial advice. Although persons and companies mentioned herein are believed to be reputable, neither Debtfree Magazine nor any of its employees, sales executives or contributors accept

any responsibility whatsoever for their activities.

Debtfree Magazine contains material supplied to us by advertisers which does not necessarily reflect the views and opinions of the Debtfree Magazine team. No person, organization or party can copy or re-produce the content on this site and/or magazine or any part of this publication without a written consent from the editors’ panel and the author of the content, as applicable. Debtfree Magazine, authors and contributors reserve their rights with regards to copyright of their work.

C O N T E N T S

BREAKING NEWS

NCR STATISTICAL RETURN FOR DEBT COUNSELLORS The NCR has reminded Debt Counsellors that they were due to hand in their Form 42 Statistical Return for the last quarter of 2020 by mid month February 2021 (15th). If you forgot to do so then make sure you send it through to the NCR at dcreturns@ncr.org.za It is part of your conditions of registration as a Debt Counsellor with the NCR.

2021 BUDGET SPEECH Each year the Minister of Finance (presently Mr Tito Mboweni) delivers a speech outlining the current financial situation for the country and the plans for the coming months (and years) with regard to spending. This year Covid-19 has hit the economy hard (as regards income) and also necessitated a lot of extra spending (on grants to support those without work and vaccines etc). Basically income is down and spending is up. The Budget speech also lays out what resources (how much money) will be allocated to different portions of the country such as health care, schooling, social services etc.

SARB BLOCKCHAIN PROJECT Bitcoin has recently shot up to record highs amidst global investor uncertainty. The virtual token or currency market is growing in both use and acceptance worldwide. One challenge for governments is that the systems are designed to be decentralized and outside of easy control and regulation.

Locally the SARB and other institutions are working on a project to see if the blockchain system can be sued to create a South African token system. Imagine a digital blockchain version of the Rand if you will.

The project has been running for several years as regulators and legislators try to come to grips with the ramifications and regulatory challenges such a system would encompass.

Recently, the project, which began back in 2018, has moved into a second phase as 4 of the Major local the banks work on a small “test” in a closed environment to see what all is involved and figure out: what next?

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DEBT REVIEW EXPECTATIONS VS REALITY

DEBT REVIEW EXPECTATIONS VS REALITY

ARE YOU BEING REALISTIC ABOUT YOUR DEBT REVIEW? In business they say it is important to “under promise / over deliver”. In other words, don’t promise too much and leave your clients disappointed, rather work hard and give the client more than they expected. This will pleasantly surprise them and make them happy with your service.

One of the common challenges facing consumers in debt review is that they do not fully understand what the process will involve. They are under-educated about the process, resulting in unrealistic expectations.

Then when those expectations are not met, they become disappointed and disillusioned.

Has this happened to you?

DEBT REVIEW EXPECTATIONS VS REALITY

WHEN DEBT COUNSELLORS PROMISE TOO MUCH Many debt counselling practices have a small team or even an outside company whose job it is to talk to people about debt review.

They will tell the consumer how wonderful debt review is, and how it can really help them. This is true but…there are concerns in the industry that some of these teams might be over promising. They may be painting an unrealistic picture of how debt review is easy, debt review is just a way to save money, debt review is not serious, and how people can enter and exit debt review at a moment’s notice.

The result is that some people who enter debt review have the wrong idea, that the process is a simple one, where credit providers always cooperate, where courts always side with the consumer, and where problems never come up.

Wouldn’t that be nice!

DEBT REVIEW EXPECTATIONS VS REALITY

THE DANGER OF UNREALISTIC EXPECTATIONS If you purchase a product that is advertised to work “first time, every time”, you will justly get upset if the product is actually complicated and doesn’t work in every situation.

Maybe you bought one of those exercise machines they advertise online or on TV. In only 2 weeks your winter fat will disappear. It should work in only 15 minutes a day, but as you look down at the remnants of cake on your plate, you are disappointed that it is much harder than promised.

You may soon find that exercise machine gathering dust in your garage, or that amazing vegetable cutting gadget at the bottom of your drawer.

When consumers have unrealistic expectations of debt review, the same thing happens. They start the process with enthusiasm, but when they hit speed bumps along the way, they might foolishly think they can just walk away, like they do with some many other things in life. This can have disastrous consequences, and could even make things worse than they were before.

EXPECTATIONS VS REALITY

CREDIT PROVIDERS WILL LEAVE ME ALONE ONCE I START DEBT REVIEW Some consumers seem to think that by entering debt review, it will change the behavior of credit providers and collections agents. While for the most part the banks and big credit providers try to make everyone in their business aware that consumers have entered debt review, they are often very big companies where one department doesn’t always know what another is doing.

Sadly, some credit providers will still take a chance and try to negotiate with the consumer without the help of their attorney or Debt Counsellor.

This bad behavior should be reported to your Debt Counsellor.

EXPECTATIONS VS REALITY

SAVE 60% ON YOUR MONTHLY DEBT REPAYMENTS Some debt counselling practices use the average statistics of their clients in their advertising to try help consumers think about debt review. This can create an unrealistic expectation on the part of a brand new client, thinking that they too will only pay 40% of what they were paying before the debt review.

The reality is that each person’s case is unique. True industry averages help guess what might happen but each matter has to go before a Magistrate, who is the one who actually decides what will happen.

Also if consumers do not give the Debt Counsellor all the facts when enquiring about debt review, they should not be surprised if they end up paying something slightly different to what they were initially told, based on incorrect information.

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EXPECTATIONS VS REALITY

THE DEBT COUNSELLOR WORKS FOR ME Some consumers think that the debt review is only for their benefit. They think the Debt Counsellor is like their own knight in shining armour who will always be able to work things out to their benefit.

While it is true that Debt Counsellors get a fee for the work they do, these funds from the consumer would normally be going to the credit provider.

So, in a way both parties are paying for the Debt Counsellors service.

Debt Counsellors will use their knowledge of the law to protect consumers from abuse by credit providers, but they have a duty to find the best arrangement for all parties - a realistic and sustainable way for the consumer to pay, and the credit providers to get what is owed to them.

It is also important for consumers to realize that Debt Counsellors have more than one client. You may have to be patient, from time to time.

EXPECTATIONS VS REALITY

IF I CAN’T PAY, THE DEBT COUNSELLOR WILL TAKE CARE OF IT Some consumers think that because the Debt Counsellor has worked so hard to help restructure what they have to pay towards their debts each month, that if they run into a problem paying one month, the Debt Counsellor can just fix that situation with the credit providers.

Debt review is built around the principle of consumers repaying their debts. The best way to do that is in regular manageable amounts, month after month. This is the industry standard. If a consumer runs into trouble paying their debts, and if they get in touch with the Debt Counsellor well in advance, it is possible that the Debt Counsellor can talk to the credit providers or even take the matter to court but…if you do not pay, then the reality is, that some credit providers may walk away from the debt review.

This means they could legitimately start new legal action against the consumer to try to collect their debt outside of debt review.

EXPECTATIONS VS REALITY

I CAN LEAVE ANY TIME I WANT Some consumers think that they can decide to leave the debt review at any time. They feel it is like many other services they use in life. If they get bad service or things are not working out like they thought they can just walk away from the process and go back to how things were.

The problem is that things were bad before your debt review, very bad.

That’s why you needed debt review in the first place. More than that, debt review is done via the courts and is a legal process. Once it is begun, it is hard to just walk away from the process. Once the credit providers regularly started getting money each month again they were happy. If you try to mess with that arrangement, they will not react in a positive manner.

It is like divorcing your spouse. Once you have divorced them they will be rather surprised if one day they come home to suddenly find you sleeping in their bed again, as if nothing happened. They will probably not be happy to see you, even if you changed your mind after a few years. More than that you have used a legal process (divorce) to change your relationship.

The same is true with debt review. Once the legal process is begun the only way to finish the relationship is to finish the process. This has to be done with the help of a Debt Counsellor and all the debts need to be settled.

EXPECTATIONS VS REALITY

DEBT REVIEW IS QUICK AND EASY Some consumers are told that their debts will be settled quickly and the process is easy. After a year or two they grow confused about why it’s taking so long. They may not even know how long their plan to repay their debts will take, this can result in frustration.

While it is true that when consumers enter debt review, many credit providers will slash interest rates and will stop charging monthly fees, but this still leaves the thousands of rand in debt that is owed to the credit provider. Paying that off in small amounts takes time.

Many debt restructuring plans are made over many years to make the monthly repayments realistic and manageable for consumers. It is important for consumers to realize that they were going to take years to actually settle their debts before they entered debt review. Many would have received judgments against their names, and could have been repaying debts for as long as 30 years. If a consumer has a car then it is not unrealistic to expect to repay debt over 5, 6 or 7 years anyway.

These days, many debt review plans are scheduled over 60 months. You can get a copy of your plan from your Debt Counsellor so that you can check how far along you are in repaying your debts.

DEBT REVIEW EXPECTATIONS VS REALITY

MANAGING EXPECTATIONS Debt Counsellors can help their clients have a realistic view of the process by spending enough time actually counselling their clients, spending time explaining the process and educating their clients about the process after the initial consultation.

More and more we are seeing Debt Counsellors who host weekly online workshops or podcasts for clients. Other Debt Counsellors have newsletters and emails they send to clients during the process. Others have catch-up sessions with clients and the best Debt Counsellors even organize for their clients to read that Debtfree Magazine each month (we recommend that)!

Debt Counsellors can make use of the complete guide to debt review booklet (also from the Debtfree Magazine team) to help their clients better understand the process and to track their own progress.

Debt Counsellors can also improve their contracts with consumers to state what they will, and won’t do for the client and what is and isn’t expected of the client. This is an area in the industry that still needs attention.

DEBT REVIEW EXPECTATIONS VS REALITY

DEBT REVIEW COULD EXCEED YOUR EXPECTATIONS You may have entered debt review just looking to regain some control over your finances. You may have been drawn in by the promise of no harassment from credit providers, or the chance to save 60% on your repayments. Sure those promises sound great, but debt review can be so much more than all these things, it can be the hard reset your entire life was looking for. things, it can be the hard reset your entire life was looking for.

If you work along with your Debt Counsellor to get the process in place, and keep up payments throughout then, yes, you will get rid of your debt. You may even save thousands of Rand on fees and interest through the kindness of your credit providers.

You may, however, perhaps go even further. You may really educate yourself about financial matters. You may learn to budget and manage your money each month – a skill that will benefit you throughout your life. You may learn to save, and plan for a secure financial future.

Your family might learn to work together towards a common goal and communicate better than ever... or maybe not.

We don’t want to make any unrealistic promises.

DEBT REVIEW LESSON #1

Even if under debt review credit providers may have their collections people call you. You can simply refer them to your Debt Counsellor and end the conversation.

ADR NETWORK SA MEDIATION TRAINING REVIEW The need for mediation, also known as dispute resolution, is growing. Changes to local and international laws are promoting the use of mediation instead of flooding already overwhelmed courts with new legal matters.

Most South Africans are fairly familiar with the concept of mediation. The CCMA led the way in regard to labour disputes for many years in South Africa, and in many cultures it is common for two parties to sit down and attempt to work through the problem.

There are many forms of mediation, and ADR Network has an online specialty course available in each area. For example, there are course about medical negligence, sporting disputes, discipline at school, Human Rights & Constitutional disputes and even mediation relating to aspects of the National Credit Act (something that greatly interests us).

ADR Network SA invited Debtfree Magazine team members to attend their 5 day online training program so that we could share our experience of the training process with our readers.

ADR NETWORK MEDIATION TRAINING REVIEW

DAY ONE On day one (of 5 days) we spent a little time getting to know both instructors (we had two during our training).

We discussed the overall concept of mediation and different approaches to mediation.

Then we were introduced to one of the key aspects of the training; Role play of mediation between two disputing parties. It is one thing to talk about it, but much more discerning to see it in action.

Each day also brought its own homework. Set reading and mini projects or reports to build on lessons learnt.

ADR NETWORK MEDIATION TRAINING REVIEW

DAY TWO A detailed discussion into how history plays a role in each dispute, swung from international disputes to neighborhood conflicts.

We also discussed the ethics of mediation. Day two saw students starting to practice their skills (or lack of skills) doing the role play exercises. It can be nerve wracking to be front and center, and many decided to wait another day before volunteering. A few brave souls took the plunge, and afterwards the group got to analyze strengths and weaknesses and ways to practically improve.

ADR NETWORK MEDIATION TRAINING REVIEW

DAY THREE By midweek everyone in the course was alot more relaxed.

Students began taking the opportunity to play mediator in the role play, and everyone seemed more open to trying their new skills during the daily role play exercises. Much of the day was also spent looking at how people try to avoid conflict or to deal with conflict that comes their way.

ADR NETWORK MEDIATION TRAINING REVIEW

DAY FOUR The morning session centered around the role of confidentiality and privileged communication. We then looked at Court Annexed Mediation and Rule 41 of the Superior Courts Rules, and how this will play a growing role in the future of litigation in South Africa.

Then there was role play of a different type of mediation, with the usual follow up discussion and breakdown of what had been accomplished.

By now the class had got into the swing of things, and although each example (all broadly based of real world cases) was complex, we were starting to feel a lot more comfortable with managing the process. By the last day all members of the class would have played both the role of mediator and one of the parties to a dispute. There were a few Oscarworthy performances!

ADR NETWORK MEDIATION TRAINING REVIEW

DAY FIVE Some of the last day was spent talking about the practicalities of how to set up an alternative dispute resolution practice, and what is involved. The impact and complications of Covid-19 were also addressed.

ADR Network SA has a panel system and offers mentorship between members, and ongoing support which helped ease everyone’s fears of being thrown into the deep end. The one-day specialization courses that further focus in on particular aspects of mediation and dispute resolution are also helpful.

Debtfree will be joining the specialized course dealing with credit and the NCA in the near future, as we look to learn more about what ADRAs (as now identified in the NCA) actually can offer as legitimate services.

ADR NETWORK MEDIATION TRAINING REVIEW

WE CAN RECOMMEND THE COURSE After a week of online learning, class exercises, role play, homework and lots of reading, we can happily recommend the course to those wanting to start a mediation practice of any type.

The atmosphere was pleasant and the learning heavy focused on gaining experience in a short time period, and then building confidence in the mediation process and one’s own abilities.

If you are thinking of moving into the Mediation space or adding it as a new service to your existing practice then ADR Network SA will have an affordable learning option for you.

COMPETITION WINNER ADR Network SA are happy to announce the winner of the 5 Day Online Course, 1 Day Specialization Course and 1 year Panel membership prize all valued at R9950.

THE WINNER IS Samantha Feldtman

To find out more about ADR Network SA and the courses we offer in dispute resolution head over to: www.adr-networksa.co.za

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DEBT REVIEW LESSON #2

If you receive a summons while under debt review you must not ignore it thinking you don’t need to do anything. Immediately call your Debt Counsellor.

PROFESSIONAL DEBT COUNSELLING ATTORNEYS Assisting With Debt Review Matters Nationwide WESSEL SYMINGTON TEL: 021 872 1968 w e s s e l @ s t e y n c o e t z e e . c o . z a w w w. s t e y n c o e t z e e . c o . z a

DEBT COUNSELLOR PROFILE

KARL SCHWEIDLER Debtfree Magazine got to speak to long time Debt Counsellor Karl Schweidler who is based in the Western Cape. We got to ask him about how he got started as a Debt Counsellor and how he finds new clients. We also ask about some of the challenges currently facing Debt Counsellors and consumers under debt review.

How long have you been a Debt?

I have been working in the industry for 11 years now.

What did you do before becoming a Debt Counsellor and why did you enter the industry?

I worked at ABSA for 20 years as what is called a ‘Risk Mitigation Officer’ and it broke my heart a lot when I had to fetch people’s assets. I was ready for a change to assisting people with debt.

What makes your business a success?

We have had success by building trustworthy, dedicated relationship with all our clients. We now our clients and they know and can trust us.

Where do you find new business?

Most of my new clients are people that have been told about debt review and recommended to us by our existing clients.

What challenges are you seeing coming from the credit provider side at the moment?

We still sometimes experience a lack of good communication and occasionally even understanding by some staff at some of the credit providers.

What is the biggest challenge facing Debt Counsellors at the moment?

Debt Counsellors have also been affected by the Covid-19 Pandemic.

Not just with the obvious health challenges but also many Debt Counsellors are themselves having to take salary cuts and some are losing their jobs or unable to keep running their practices. Times are tough in every industry right now.

What is the biggest challenge facing your existing client consumers?

Sadly, the loss of loved ones. In many cases where this is the breadwinner, this can result in them not being able to continue making the agreed payments (or even any payments at all). This is also true for those who have lost their jobs due to the pandemic and who do not have insurance cover for this. In extreme cases, this can even lead to the entire debt review falling apart and they could face the loss of assets and all the progress they previously made in getting out of debt.

What advice do you have for consumers with debt stress due to the lockdown & Pandemic?

Seek financial advice at your bank as soon as you feel under pressure.

Always feel free to contact a Debt Counsellor and chat. Don’t wait until it’s too late. The good news is that there is light at the end of the tunnel.

What advice do you have for consumers already under debt review?

Communication is the key. Stay connected to your Debt Counsellor and keep those lines of communication open.

082 716 7909 wineland.debt@gmail.com

Stop Debit Order Instruction

QUESTION Does your system force you to send a separate email to the CP’s to stop debit orders at 17.2 stage?

ANSWER When uploading the power of attorney onto the documents tab in Maximus, the system will automatically send the POA and Stop Deduction letter to the CP’s.

DEBT REVIEW LESSON #3

Paying your credit providers directly does not affect your official debt review status with the credit bureaus and NCR.

What if...

YOUR CLIENT’S VEHICLE IS STOLEN OR WRITTEN OFF?

Is he really insured, and if so, properly?

Could the insurer repudiate the claim because of his debt review status?

As he cannot borrow, how does he replace his vehicle?

Since he can’t get more credit, how does he replace his vehicle?

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PARTNERSHIPS How Meliorleaf partnerships with Debt Counsellors work.

We keep you advised regarding your clients to ensure they are covered properly and remain covered.

We remunerate you, ongoing, for what you choose to do: Some debt counsellors want to be actively involved in arranging and managing insurance relationships, and we fairly share commissions earned Some debt counsellors are also registered Financial Services Providers. They can advise clients and provide a full broking service, and are entitled to earn the full commission But, Meliorleaf understands that some debt counsellors cannot or do not want to be actively involved. However, they do want their clients to be properly insured: For these debt counsellors, Meliorleaf can provide a fully outsourced turnkey solution. What’s more, we will still provide you with ongoing remuneration on all active policies.

Are you interested in partnering with Meliorleaf?

Call Sean or Elmarie today on 010 141 2799 CALL US NOW 010 141 2799 | www.meliorleaf.co.za

We hope everyone had a fun and safe holiday.

Let us know your big plans for 2021 on the Facebook group. www.allprodc.org

Debt Counsellors Collective The iDDC would like to hear from members and other DCs about the struggles they face and continue to face as a consequence of the lockdown.

What issues need to be escalated to the NCR?

We hope all o had a relaxing break. We a for new NEC 2021. Would volun

our members g end of year are looking C members in d you like to nteer?

Due to the Covid-19 2nd wave our meetings (for the next while) will be held online. We will update all members about meeting dates shortly. www.dcasa.co.za

NDCA are ready to help consumers who are struggling with debt.

Visit our site for more information ndca.org.za

SERVICE D

CLICK THE C

DEBT COUNSELLORS

SUPPORT SERVICES

TRAINING

FINANCIAL

INSURANCE

DIRECTORY

CATEGORY

DO YOU WANT TO LIST YOUR COMPANY? directory@debtfreedigi.co.za

CREDIT BUREAUS

LEGAL

PAYMENT DISTRIBUTION AGENCIES

CREDIT PROVIDER CONTACT DETAILS & ESCALATION PROCESS

DEBT COUNSELLORS

GAUTENG

KWAZULUNATAL

FREE STATE

LIMPOPO

MPUMALANGA

NORTH WEST

EASTERN CAPE

NORTHERN CAPE WESTERN CAPE

PENNY WISE Cathy Foster Debt Counsellor – NCRDC1977 Penny Wise Debt Counselling Tel: (011) 679 1540 Fax: 086 719 3378 Mobile: 083 298 4467 Email: cathy@pennywise.co.za www.pennywise.co.za

Credit Matters South Africa’s Leading Debt Counsellors 14th Floor, The Pinnacle Cnr Strand & Burg St Cape Town Tel: 086 111 6197 Fax: 021 425 6292 info@creditmatters.co.za

GAUTENG

Armani Debt Counselling Take the First Step to Financial Freedom Tania Dekker Tel: 011 849 3654 / 7659 www.armanigroup.co.za

Dynamix Debt Counselling TLC Alida Christie NCRDC2324 Office 1, 34 Beefwoodstreet, Vanderbijlpark, 1911 Tel: 079 520 4369 Tel: 016 100 8020 tlcdebt@mweb.co.za

Save up to 60% on your monthly debt repayment instalments, by using our debt review services Get

info@debtsolutions4u.co.za

with our help today!

012 882 0976

016 423 3029 082 812 5442

082 745 6778

¨ debt relief

Specialist Debt Management Centre Beverley Ludick, NCRDC948 Pretoria Tel: 012 377-3557 Email: obligco@gmail.com Email: dc@obligco.co.za www.obligco.co.za

info@resolutiondebt.co.za

Debt Correct DEBT

RE VIE W

S PE C IA L I S T S

J O N AT H A N B R O O KE S Director

079 599 6501 jonathan@debtcorrect.co.za All Debt Solutions www.debtcorrect.co.za CCDC Fast tracking your financial freedom Consumer Care Is our Priority.

Tel: 0861 255 3328 / 021-557 9981 Tel: 018 462 4263 / 073 624 6949 Email: info@allds.co.za Email: info@ccdc.co.za www.alldebtsolutions.co.za www.ccdc.co.za https://www.facebook.com/ alldebtsolutions

Debt Correct DE BT

RE VI E W

SP E C IA L I S TS

0871531531 help@debtcorrect.co.za www.debtcorrect.co.za

Financially stressed?

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

086 999 0606 DEBT NO MORE - NCRDC1973 Christelle du Toit info@debtbusters.co.za www.debtbusters.co.za

Tel: 016 423 6301 Cell: 083 321 6731 FAX: 086 219 3306 Email: admin@debt-no-more.co.za

GAUTENG

Let DebtBusters be the champion in your corner.

MV Business Empowerment 9 River Road Morning Hill Bedfordview (next to Eastgate mall) Tel: 083 490 3339 velaphi@infitech.co.za

Pay off your debt in the Personalpossible Professional shortest �me.

service – no call centre

Expert free confiden�al advice at first Your debt is our priority consulta�on Protect your assets from repossession Stop threatening calls from Save money without taking a loan creditors & repossession of Stop threatening calls & le�ers your assets.

Start living your life again

082 927 7324 petra@streamlinedebt.co.za

Creators In Financial Wellbeing NCRDC677 You Are Not Alone We’ll handle your creditors so you don’t have to!

1 Dingler Street, Rynfield, Benoni 0861 10 11 00 info@debtmend.co.za www.debtmend.co.za

www.streamlinedebt.co.za PETRA SWANEPOEL : NCRDC1963

Get your own dedicated Debt Counsellor from beginning to end.

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

021 204 4711 067 211 4913 info@debteezy.co.za www.debteezy.co.za

CTRL

DEBT

DELETE

One on one confidential counselling and advice to help you reduce and clear your debts.

261 Surrey Avenue, Randburg, Gauteng 011 100 7192 enquiries@ctrldebtdelete.co.za www.ctrldebtdelete.co.za

Financially stressed?

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

086 999 0606 National Debt Advisors Fighting For Consumer Justice Tel: 021 007 1688 www.nationaldebtadvisors.co.za

info@debtbusters.co.za www.debtbusters.co.za

Let DebtBusters be the champion in your corner.

KWAZULUNATAL

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

DEBT COUNSELLING Debt Review Specialists 23 Coronation Road Mithanagar Tongaat 4399 Tel: 071 222 9481 Tel: 032 944 3446 admin@kmadebt.co.za www.kmadebt.co.za

FINANCIAL COACHING MONEY MANAGEMENT EMPLOYEE ASSISTANCE PROGRAMMES 031 303 3690 / 084 250 2356 romie@debtfinesse.co.za www.debtfinesse.co.za

FINESSE

Get

¨ debt relief with our help today!

082 937 7874 082 812 5442 denise@kzndebtcounselling.co.za

Credit Matters South Africa’s Leading Debt Counsellors 14th Floor, The Pinnacle Cnr Strand & Burg St Cape Town Tel: 086 111 6197 Fax: 021 425 6292 info@creditmatters.co.za

“Helping you the SMART way” 0860 061 008 info@smartdebtadvisors.co.za www.smartdebtadvisors.co.za

Get your own dedicated Debt Counsellor from beginning to end.

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

021 204 4711 067 211 4913 info@debteezy.co.za www.debteezy.co.za

National Debt Advisors Fighting For Consumer Justice Tel: 021 007 1688 www.nationaldebtadvisors.co.za

FREE STATE Financially stressed?

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

086 999 0606 info@debtbusters.co.za www.debtbusters.co.za

Let DebtBusters be the champion in your corner.

Credit Matters South Africa’s Leading Debt Counsellors 14th Floor, The Pinnacle Cnr Strand & Burg St Cape Town Tel: 086 111 6197 Fax: 021 425 6292 info@creditmatters.co.za

National Debt Advisors Fighting For Consumer Justice Tel: 021 007 1688 www.nationaldebtadvisors.co.za

LIMPOPO Financially stressed?

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

086 999 0606 info@debtbusters.co.za www.debtbusters.co.za

Let DebtBusters be the champion in your corner.

Credit Matters South Africa’s Leading Debt Counsellors 14th Floor, The Pinnacle Cnr Strand & Burg St Cape Town Tel: 086 111 6197 Fax: 021 425 6292 info@creditmatters.co.za

GMC Debt Solutions 52 Kerk Street Lydenburg Tel: 087 802 7054 Tel: 087 151 1034 www.gmcdebtsolutions.co.za

National Debt Advisors Fighting For Consumer Justice Tel: 021 007 1688 www.nationaldebtadvisors.co.za

MPUMALANGA Financially stressed?

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

086 999 0606 info@debtbusters.co.za www.debtbusters.co.za

Let DebtBusters be the champion in your corner.

Credit Matters South Africa’s Leading Debt Counsellors 14th Floor, The Pinnacle Cnr Strand & Burg St Cape Town Tel: 086 111 6197 Fax: 021 425 6292 info@creditmatters.co.za

We are passionate about helping people become DEBT FREE! 022 713 3766 marius@drs-debt-help.co.za facebook.com/drsdebthelp www.drs-debt-help.co.za NCRDC1670

National Debt Advisors Fighting For Consumer Justice Tel: 021 007 1688 www.nationaldebtadvisors.co.za

Credit Matters South Africa’s Leading Debt Counsellors 14th Floor, The Pinnacle Cnr Strand & Burg St Cape Town Tel: 086 111 6197 Fax: 021 425 6292 info@creditmatters.co.za

NORTH WEST Financially stressed?

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

Depopulating a generation of over indebted and populating a debt free generation.

Office No. 6, Prime Pharm Building, 36 Dr Nelson Mandela Drive Tel: 0186320053 Tel: 0877026744 Email: papi@maaudebts.co.za

086 999 0606 info@debtbusters.co.za www.debtbusters.co.za

www.maaudebts.co.za

Let DebtBusters be the champion in your corner.

National Debt Advisors Fighting For Consumer Justice Tel: 021 007 1688 www.nationaldebtadvisors.co.za

NORTHERN CAPE Financially stressed?

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

086 999 0606 info@debtbusters.co.za www.debtbusters.co.za

Let DebtBusters be the champion in your corner.

Credit Matters South Africa’s Leading Debt Counsellors 14th Floor, The Pinnacle Cnr Strand & Burg St Cape Town Tel: 086 111 6197 Fax: 021 425 6292 info@creditmatters.co.za

National Debt Advisors Fighting For Consumer Justice Tel: 021 007 1688 www.nationaldebtadvisors.co.za

Credit Matters South Africa’s Leading Debt Counsellors 14th Floor, The Pinnacle Cnr Strand & Burg St Cape Town Tel: 086 111 6197 Fax: 021 425 6292 info@creditmatters.co.za

EASTERN CAPE Financially stressed?

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

086 999 0606 info@debtbusters.co.za www.debtbusters.co.za

Let DebtBusters be the champion in your corner.

National Debt Advisors Fighting For Consumer Justice Tel: 021 007 1688 www.nationaldebtadvisors.co.za

Drastically reduce your monthly debt repayments Let US help 0861111863 Regain control of your finances www.debt-therapy.co.za

" There is no Dignity quite so Impressive and No Independence quite so Important, as Living within your Means. - Calvin Coolidge "

WESTERN CAPE

For your Convenience Our Range of Services are Available to you Anywhere in South Africa!

Jackie Coetzee 079 317 8557 documentswc@fusiondc.co.za

“There is no dignity quite so Impressive and No Independence quite so important as Living within your Means - Calvin Coolidge” For your Convenience Our Range of Services are Availble to you Anywhere in South Africa!

Jackie Coetzee 079 317 8557 022 713 2021 documentswc@fusiondc.co.za

CHOOSE YOUR FINANCIAL FREEDOM TODAY Tel: 021 204 8001 • Email: dc@ffsdc.co.za

www.financialfreedomsolutions.co.za dc@ffsdc.co.za www.financialfreedomsolutions.co.za

ISISEKO DEBT HELP Get Your Life back on track TEL: 087 230 0223 FAX: 086 551 1649 EMAIL: makanti@isiseko.co.za WEB: www.isiseko.co.za

WESTERN CAPE

Credit Matters South Africa’s Leading Debt Counsellors 14th Floor, The Pinnacle Cnr Strand & Burg St Cape Town Tel: 086 111 6197 Fax: 021 425 6292 info@creditmatters.co.za

All Debt Solutions Fast tracking your financial freedom Tel: 0861 255 3328 / 021-557 9981 Email: info@allds.co.za www.alldebtsolutions.co.za https://www.facebook.com/ alldebtsolutions

NCRDC1142 No 2 Golden Isle Building 281 Durban Road, Oakdale, Bellville, 7535 Tel: 086 111 3749 Email: help@zerodebt.co.za www.zerodebt.co.za

DebtZen

for peace of mind

We are passionate about helping people become DEBT FREE!

021 987 1835 021 987 2232

022 713 3766

065 939 9886

marius@drs-debt-help.co.za

leads@debtzen.co.za

facebook.com/drsdebthelp

www.debtzen.org

www.drs-debt-help.co.za

NCRD3032

NCRDC1670

Financially stressed?

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

086 999 0606 info@debtbusters.co.za www.debtbusters.co.za

Your Guide to Financial Wellness and Recovery 0861 229 922 info@debthero.co.za www.legalhero.co.za

WESTERN CAPE

Let DebtBusters be the champion in your corner.

www.debtcentre.co.za

“Helping you the SMART way”

DEBT

0860 061 008 WE’LL CREATE A PLAN TO GET YOU OUT OF DEBT

info@smartdebtadvisors.co.za www.smartdebtadvisors.co.za

Get your own dedicated Debt Counsellor from beginning to end.

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

021 204 4711 067 211 4913 info@debteezy.co.za www.debteezy.co.za

065 874 7942 debt@cida.org.za www.cida.org.za

SUPPORT SERVICES

011 451 0041 0860 072 768 www.dcmax.co.za

DC Opera�on Centre (PTY) Services: 17.1, 17.2, Proposals Court Applica�ons Call Centre Payment Division Contact Elmarie 011 394 8042 083 232 1908 admin@dcopera�ons.co.za www.dcopera�ons.co.za

COMING SOON

TRAINING

Credit Life

Insurance You make money, your clients save money 087 109 1164 info@dccp.co.za www.dccp.co.za

INSURANCE BEST RATES IN THE INDUSTRY

50979

086 126 6562 debt@one.za.com www.one.za.com

LEGAL

www.embattorneys.co.za

Liddles & Associates “It always seems impossible until it is done” N. Mandela (T) 021 930 5790 (F) 0866070940 (E) frontdesk@liddles.co.za www.liddles.co.za

Steyn Coetzee Attorneys / Prokureurs Adri de Bruyn 11 Market Street / Markstraat 11, Paarl, 7646 Tel: 021 872 1968 Fax: 021 872 2678 adri@steyncoetzee.co.za

RM Brown and Associates 16th Floor, The Pinnacle Cnr Strand & Burg St Cape Town Tel: 021 202 1111, f: 021 425 0875 Email: roger@rmbrown.co.za

082 974 0866 We are a Port Elizabeth based law firm capable of assisting Debt Counsellor’s throughout South Africa with matters within the following areas of jurisdiction:

Your Debt Counselling Attorneys

Port Elizabeth; New Brighton; Motherwell; Uitenhage; Hankey; Jeffreys Bay; and Humansdorp

Andre Van Zyl 021 494 4862

carla@cvlaw.co.za www.cvlaw.co.za

Johannesburg | Cape Town

info@bassonvanzyl.com

082 974 0866

carla@cvlaw.co.za www.cvlaw.co.za

www.bassonvanzyl.com

EMAIL yolande@ydeattorneys.co.za CELL 071 870 9535 TEL 061 250 4080

PAYMENT DISTRIBUTION AGENCIES

DC Partner 044 873 4530

COLLECTNET +27 12 140 0602

Hyphen PDA 011 303 0060

intuitive 0861 628 628

SYSTEM PROVIDERS

FINWISE - INNOVATIVE DEBT M

Tel: 011 451 0041 Tel: 0860 072 768 www.maxpayments.co.za

Debt Review Software Tel: 016 004 0031

South Africa’s premier debt management solution www.finwise.biz

•

•

•

•

•

‘’ I was pleasantly surprised by our experien new system is intuitive and e Debt counsellor Eas

Mrs. Cindy Mauritz will be heading up the debt review department and will be supported by Miss Meghan Bruiners and Mrs. Fika Snyders in their capacity as Team Leaders.

We have updated our communication and escalation channels in this regard.

Please refer to the communication channels listed in tables 1 and 2 below. It is important that documentation be send to the correct communication channels to ensure timeous feedback.

CAPITEC CONTACT DETAILS

Table 1: Debt Review communication channels 1

Channel Form 17’s

2 3

Proposals Court documents

4 5

Terminations General enquiries

6

Refund / Cancellation requests

7

Insurance Certificates

8

Reckless Lending Queries

9

Credit Insurance Claims

10

Payment allocations

11

Share Call Contact number

Description All Forms 17’s / Clearance Certificates All Proposals All Court documents (Notice of Motion’s / NCT applications / Orders) Termination queries General Debt Review Enquiries Debt Review Refund Requests and Cancellation of Debit Orders

E-mail address ccsforms17@capitecbank.co.za

Replacement Insurance Policies Allegation of reckless lending and document requests All credit insurance claims Payment Allocations queries

insurancepolicies@capitecbank.co.za

ccsproposals@capitecbank.co.za ccsdebtrevieworders@capitecbank.co.za

debtreviewterminations@capitecbank.co.za ccsdebtreviewqueries@capitecbank.co.za ccsrefundrequests@capitecbank.co.za

Rmcontrol@capitecbank.co.za CreditInsuranceClaims@capitecbank.co.za ccsdebtreviewpaymentqueries@capitecbank.co.za 086 066 7783 Option 2

DC QUERY PROCESS NEDBANK DRRS Debt Counselling Query Resolution Contact Points and Escalation Options

Fax or Email submissions (Level1) Email: DebtCounsellingQueries@nedbank.co.za Fax: 010 251 0055

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

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

Attended to by Queries Team Leader (Level 2: First Escalation) Dcescalation1@nedbank.co.za

Attended to by Senior Manager (Level 3: Final escalation) Dcescalation2@nedbank.co.za

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

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

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

www.nedbank.co.za

17.1, 17.2, Proposals, General correspondence: debtcounselling@africanbank.co.za To register for Legal Web Access: lwac@africanbank.co.za Reckless Lending investigations: RLA@africanbank.co.za

ESCALATION PROCESS DETAILS COMING SOON

ESCALATION PROCEDURE *Please do not CC multiple email addresses*

STEP

FIRST POINT OF CONTACT

01

Applications, COBs, Notice of Rejections/17W Proposals Court Applications & Orders Terminations, Re-instatements, Settlements, General Queries, Refunds

STEP

FIRST ESCALATION

02

General Queries, Terminations and Account Enquiries, Court ESCALATION DAY 5 COBs & 17.7s ESCALATION DAY 7 Proposals ESCALATION DAY

STEP

03

Applications, Notice of Rejections/17Ws COBs Woolworths Truworths RCS Foschini Sanlam Mr Price Group JD Group Capfin ConnectFin Full House Retail Proposals Court Applications & Orders Terminations (Proof of Payment) Updated Balances, Settlements, General Queries

applications@consumerfriend.co.za proposals@consumerfriend.co.za courts@consumerfriend.co.za customeraccounts@consumerfriend.co.za

charmainer@consumerfriend.co.za woolworthscob@consumerfriend.co.za truworthscob@consumerfriend.co.za rcscob@consumerfriend.co.za tfgcob@consumerfriend.co.za sanlamcob@consumerfriend.co.za mrpcob@consumerfriend.co.za jdgcob@consumerfriend.co.za capfincob@consumerfriend.co.za connectfincob@consumerfriend.co.za fhcob@consumerfriend.co.za tracey@consumerfriend.co.za tusani@consumerfriend.co.za suspense@consumerfriend.co.za candicec@consumerfriend.co.za

SECOND ESCALATION Should you not receive a response within two business days after the first escalation, please email complaints@consumerfriend.co.za

DReX CONTACT DETAILS

OFFICE CONTACT DETAILS

DReX Related Queries DReX Escalation

Telephone: Email:

drexsupport@consumerfriend.co.za justin@consumerfriend.co.za

+27(0)31 251 4151 info@consumerfriend.co.za