Debtfree DIGI Feb 2013

South Africa’s debt counselling magazine

February 2013 www.debtfreedigi.co.za

THE DEBT COUNSELLING INDUSTRY South Africa’s most popular site for debt counselling information and consumer advise for debt solutions.

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DEBT COUNSELLING EXPLAINED Debtfree DIGI asked Debt Counsellor Renee Marais of Renee Marais Debt Counselling to help explain the debt review or debt counselling process.

Debt Review (also known as Debt Counselling) is a solution whereby a financially troubled consumer is protected from incurring further debt and at the same time enabled to pay of his or her existing creditors in a timely and cost effective manner.

Under debt review a consumer is protected by the National Credit Act and enabled to provide for his or her families needs whilst paying off debt over time. The process is easy to understand and is clearly set out in Regulation 24 of the National Credit Act 34 of 2005.

Debt Counsellors negotiate with creditors to find a viable repayment plan that consumers can afford. A consumer will in the future be able to build a new credit record and at the end of the debt review process acquire a clearance certificate and a letter of good standing enabling him or her to start with a clean record.

Every consumer should try to have a contingency savings account and not to simply borrow money when things go wrong. If you are already under financial strain do not over extend yourself by seeking further loans. Rather seek professional help from a Debt Counsellor.

Debt Counsellors are registered with the National Credit Regulator (NCR) and are Remember: able to assist consumers to restructure debt Nobody ever borrowed their way out of debt! repayments through an Order of the Court,.

This enables them to hold on to their assets and over a longer period of time, pay off all outstanding debt.

Debt Wise Solutions Debt review and distribution software.

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CONTENTS 07 Editors notes

Our Editor Zak King Speak his mind about the end of summer.

09 News

All the latests events making headlines

14 ANC vs FNB

18 Living on Less

Home Brew

21 Announcement board

22 World Wildlife Exhibition 26 Renee Marais 28 Service Directory

Reminder to all DC’s: Your Quarterly Statistical Report to the NCR was due this month on the 15th of February 2013.

The report is for the final Quarter in 2012 ( October , November, December) Your report should be sent to: returns@ncr.org.za

All professionals have professional indemnity if the unforeseen happens. Do you as a professional Debt Counselor have professional indemnity as stipulated by the ethical code?

contact us today for more information

0861 112 882

TELEPHONE 0861 112 882 FACSIMILE 086 605 9751 MOBILE 082 449 6856 EMAIL andre@in2insurance.co.za

www.in2insurance.co.za

EDITOR’S NOTE We hope you are enjoying the last days of summer. It’s been a hot one. And for most debt counselling firms a busy one. I don’t know about you but I just feel I get more done when it’s sunny when I wake up and still sunny later in the evening. Don’t even get me started on winter...but that is a long way off. The last few weeks have been interesting ones with FNB and the ANC getting into it and we look at what happened there this issue. There were other stories that made headlines to so check out the news section for more details.

Be sure to find out the answer in our Home Brew article. If you are looking for a good attorney who knows the process or a Debt Counsellor who is serious about helping consumers then check out our popular Service Directory at the end of the magazine. Debt Counsellors too should check out the Debt Counselling Associations Notice Board for all the latest announcements from the various associations.

It’s just before the Service Directory Section and will keep you up to date. So enjoy the heat while it is still here and stay productive. After all you will need to be in your continued quest We also have our popular LIVING ON LESS to become debt free. section which features tips for consumers on how to save a buck. Sometimes those under financial pressure feel that there is no way for them to relax and have a good time. LIVING ON LESS will show you that that’s simply not true.

We look at one very popular and affordable hobby that you could be pursuing right now.

Also we asked one of our team to look into whether it was cheaper to brew your own beer than buy it.

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INDUSTRY

CONSUMER

NEWS FLASH For daily debt counselling news in 3 minutes or less visit www.debtfreedigi.co.za

NATIONAL CREDIT AMENDMENT BILL

CREDIT BUREAU AMNESTY

Once MP Oriani-Ambrosini had arrived and heard the criticisms he essentially said that it is now parliaments baby as it has been introduced and is up to them to decide what to do about it.

How will this help?

This might allow them to once again apply for credit or pass a credit rating test because their bad histories will not show up. These consumers will then be able to get more credit if they can afford it even if in the past they

More than 2 million consumers could have At the end of January 2013 MP Dr Oriani- their bad records at credit bureaus wiped clean Ambrosini had a meeting with DTI and other by the end of 2013... If their debts are R10000 interested parties regarding his proposed or less. changes to the National Credit Act. A few The NCR and DTI report that they expect a months ago the National Credit Amendment partial amnesty on credit bureau listings to Bill was introduced to parliament by Dr Oriani- be effective by the end of the year. Briefing Ambrosini. Interested parties now sat down to parliament’s select committee on trade and international relations in February, CEO of discuss the matter. the NCR Nomsa Motshegare said that an In what set the tone for the meeting MP Oriani- independent study was in favour of the credit Ambrosini was late for the meeting. After other information amnesty project. parties expressed themselves it was clear that “There will be an amnesty... but we want to the majority do not approve of only these make sure that the consumer understands changes to the NCA. The Department of Trade that when this amnesty happens they also and Industry (DTI) in particular where outspoken have to take responsibility. We are in no way in regard to the short list of proposed changes suggesting a blanket amnesty.” set out in the National Credit Amendment Bill. Motshegare said that more than 2 million The DTI said that they are already reviewing the people earning less than R15000 (and who NCA and have several other areas of concern owe less than R10000) would benefit. and will shortly be making proposals in this What will happen? regard.

These consumers bad credit history would be The various parties then took shots at the expunged at the credit bureaus, giving them a ‘clean slate’. proposed amendments one by one.

NEWS CONT. were really bad at repaying money they had borrowed.

What happens to the debts that no longer show?

Zodwa Ntuli the DTI’s deputy director-general for consumer and corporate regulation says that consumers will still be liable for repayment of any outstanding monies, “The amnesty is not intended to take away your obligation to pay the debt but it might [have the effect that] your negative credit information [is] removed so that it isn’t used [to] bar you [from] getting further credit,” she said.

The government’s proposed credit amnesty has concerned the credit and banking industry.

They have argued that without knowing a person’s credit history they will not be in a position to properly assess risk factors when approving more credit to a consumer .”We will come back to parliament within a month, [by] then we should be [able] to make a decision in terms of implementation . It could be as soon as this year,” Ntuli said.

The matter will be back before Parliament next month. The Chairman of the select committee Dumisani Gamede said that parliament plans to approve the proposed amnesty before the end of the year.

they found caused them great concern. The NCR now claim to have found several cases of reckless credit granting.

What is Reckless Credit?

When a creditor gives a consumer money that they know they cannot realistically afford to repay they are guilty of granting Reckless Credit.

After extensive investigation by the NCR and African Bank themselves hundreds of cases of Reckless credit or fraud have come to light.

The NCR investigation focused on fraudulent activity at one of African Bank’s branches. The NCR has now advised African Bank that it has referred the matter to the National Consumer Tribunal (NCT) and has proposed that the Tribunal impose a fine of R300 million.

All the way back in November 2011, one of African Bank’s own internal investigative teams had already discovered that the loan origination system, at their Dundee branch, had been fraudulently breached by agents.

Their investigation took a year to complete and found that 397 customers with loans to the tune of R15.5m had broken the bank’s internal rules regarding the granting of loans.

NCR wants National Credit Tribunal to fine How did this happen?

African Bank Investments Limited CEO Leon AFRICAN BANK R300 million Kirkinis says that there had been a manipulation In the wake of what happened in Marikana last of its affordability calculations. They blame not year, the public as well as Debt Counsellors only their staff but consumers as well. urged the NCR to investigate the contributing “It tuned out after we got confessions from the factors leading to the conflict in this area. The offending staff who had committed the fraud NCR then began to delve deeper into lending on us that there was collusion between the practices by banks such as African Bank. What majority of those customers and our three staff

insurance done right Call us 086 126 6562 Marijke Wessels Portfolio Manager, Gauteng, KZN & Free State Mobile 082 729 3833 Email marijke.w@one.za.com Sam Haasbroek Portfolio Manager, Western, Eastern Cape & Northern Cape Mobile 082 550 7294 Email sam.h@one.za.com

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members,” he said. African bank are saying that in most cases, naughty customers colluded with these agents to made illicit payments to the agents in return for granting the loans.

“We obviously put our staff members through a process and dismissed them and criminal charges will be laid against them,” said Mr. Kirkinis. African Bank reports that they have written off or rescheduled the affected loans and corrected the customers’ profiles on the credit bureau where necessary.

that at Nedbank there was a total segregation between credit and sales departments. He said that at Nedbank sales consultants did not finalise or influence the outcome of a deal. This implies that at Nedbank the company’s internal structures decide who gets a loan.

After the NCR announcement African Bank shares fell just over 6%.

The tribunal process should be resolved by mid-year.

When the NCR spotted some of these transactions in their investigation then African Daily news items on Debtfree DIGI. The news Bank told them all about the matter. They seem in 3 min or less. www.debtfreedigi.co.za somewhat surprised that the matter is now going to the NCT. “We welcome the matter going to the National Consumer Tribunal” However, Mr. Kirkinis says the proposed R300 million fine is not fair. “it is unwarranted given the circumstances. In fact, the organisation was a victim of corrupt practices. So we suffered a loss and in our view and based on our legal advice that we’ve had, the organisation is not the one that conducted reckless lending – it was some rogue agents in collusion with customers.”

Though saying they welcome the matter going to the NCT they have also said that if things don’t go their way they will take the matter to other courts and try to fight any fines. [EDdoesn’t seem so welcoming] African Bank says they are confident their other branches have been behaving themselves and not granting credit recklessly. African Bank has almost 40% of the total outstanding unsecured credit granted in SA. Nedbank retail risk executive Gavin Payne spoke about how Nedbank do business and says

PAGE 18

LIVING ON LESS Home Brew

NEXT PAGE 12

FNB VS ANC

INDUSTRY

CONSUMER

FNB vs ANC The FNB “You can Help “campaign features a number of videos of children in school uniform reading their hopes for the country. FNB said an independent company had surveyed youth aged 10 to 22 to understand who they were and how they felt about South Africa and its future. They told the kids that they could talk freely, without fear or favour. Comments in the videos quickly stirred up a hornets nest of political commentary and landed FNB in hot water with the ANC Here are some quotes from the videos originally posted:

A young man from Gauteng said “ we need to get real. Is South Africa really the paradise? To be quite frank, no. This very moment, South Africa faces, poverty, unemployment and nationwide strikes.” He went on to say, “South African people need to wake up – 1994 is gone!

It is gone!” and concluded by saying, “Today is the day South Africa, take charge and fight for what is yours.”

ANC Statement and members comments

The ANC soon released a statement saying “The African National Congress is appalled by “The country is being overrun by poverty... First National Bank (FNB) advertisements in while [President] Jacob Zuma is renovating his which the ANC, its leadership and government, is under attack on a commercial masqueraded home,” said a youth from KwaZulu-Natal. as youth views,” A Gauteng university student said: “The government is only thinking for themselves... “What is of concern to the ANC is that the I’m from a rural area and the government advert content is undisguised political statement that makes random and untested doesn’t see what’s happening.”

accusations against our government in the name of discourse.”

in the country.

The ANC pointed out that the clippings were The ANC said the bank should not use children deliberately posted on the FNB website to to make political statements in a manner attack the ANC and it fed into the opposition disrespectful to elders that disregarded narrative that seeks to project the ANC in a sacrifices made in the 18 years of democratic negative manner. At the meeting the ANC indicated that its leadership and membership government. were strongly raising a question as to why the ANCYL spokesperson Khusela Sangoni-Khawe organisation should continue to bank with a called the campaign “treacherous”. Furhter bank that has adopted an oppositional stance the league said “We call upon South Africans to it. to close ranks against what is [a] treacherous In response FNB explained to the ruling party attack on our country,”. the objectives of their youth campaign and “If FNB feels at any point that anything is wrong stressed that it was meant to inspire all South with the government of the African National Africans to work together by helping one Congress they have more than enough another. platforms and opportunity to raise their issues.

They should not hide behind young children FNB Apologize who are scripted to say things that firstly, they “The CEO of FNB Mr Sizwe Nxasana, agreed don’t know, but secondly that adults are too that the research clippings that were posted afraid to say,” ANCYL head of communications, online were regrettable; he apologised for the posting of the research clippings online. He Khusela Sangoni-Khawe told the media. then assured the meeting that “this regrettable There was also a strong online response with incident will not be repeated.” After the comments like: FNB u suck with a PW Botha meeting FNB pulled offending clips indicating tendency go 2 Hell the ANC will rule till Jesus that they had done so to protect the children Christ comes back if u dont like them u a[re] involved from coming to harm. They have since gone ahead with an amended campaign not more than welcome in Australia featuring all the research comments and clips.

FNB and ANC meet In an effort to come to a resolution regarding http://www.youcanhelp.co.za/ the advertising campaign a meeting between http://www.youtube.com/user/FNBTV the ANC and FNB was arranged. During the meeting the ANC reportedly argued the campaign sought to project the party and TO FIND OUT government in a negative manner. The ANC WHO WINS said the clips had a negative impact on business confidence and could undermine investment TURN THE PAGE

don’t be a twit

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AND THE WINNER IS...

POSTBANK

In the aftermath of the campaign the ANC has announced that they are planning to cut ties with FNB in favour of Postbank. This is something that the ANC say they have been discussing for several months.

Chief marketing officer Bernice Samuels said the bank’s only intention with the campaign was to “stimulate social consciousness around the power of help to build a better South Africa”.

There is one condition for this change to happen: Postbank will need to receive a full retail banking licence before the move happens.

For the full story will additional comments from all parties head over to:

Shaheen Adam, the acting managing director of Postbank has said : “We are finalising our application which, if successful, will see Postbank become a fully fledged retail bank.”

Why FNB will feel the pinch More than a million ANC members deposit their annual membership fees(+- R20) to a party bank account.

http://debtfreedigi.co.za/debtfree-digifebruary-2013/

to view click here

CONSUMER

LIVING ON LESS Times are tough and we all need to make our money stretch these days. As the cost of living increases it seems that, come the end of the month, there is always a little less cash left to enjoy life with.

The Living on Less is a section of Debtfree DIGI which looks at ways wise consumers can keep their living expenses down and save funds.

We also consider ways to still have some fun for less.

Living on Less is about spotting a great deal and letting others know.

It’s about changing our mind set to reflect the reality that times are tough and we need to get savvy.

Sure times are tough but you can still have fun while Living on Less.

CONSUMER

HOME BREW When the ancient Incas of Peru felt like downing a cool refreshing pint, they fulfilled this basic human desire by means of their local brew – a corn-based concoction called ‘Chicha’. Probably the most interesting thing about Chicha is the list of ingredients, the principle ones being water, corn and human saliva. Which probably makes you wonder, how desperate for a brewski they had to be to drink this stuff. Then again, if it’s a hot Sunday afternoon and the liquor stores are all closed, and even if they were open it’s the end of the month and beer money is scarce, maybe you can relate. But in this day and age, does a shortage of funds for frothies mean that you’d have to resort to drinking a yellowish liquid

that you know someone has gobbed in?

No, it doesn’t!

In fact, with a small up-front investment in some basic equipment and a minor sacrifice of time to read up on the method and do the job, you could cut your monthly beer-bill by a substantial amount and still have a ready supply of the golden nectar at your disposal.

In Europe and the US, home-brewing has long been a well-supported activity, catered to by many outlets that supply the necessary tools and ingredients required. It’s taken some time for the concept to gain a similar following here

in SA, but in recent years some enterprising home-brewers have opened on-line supply stores that provide all that is needed to get started, and now more and more beer-lovers are finding that it doesn’t take much to produce a delicious, refreshing brew that makes the common shop-bought lagers taste like chicha.

How much money do you save? Before you get going you’ll need to buy some equipment. For a simple kit-brew, assuming that you already have some basic kitchen utensils (e.g a stove, a boiling pot etc) your initial outlay could be as low as R450 (includes 25L plastic buckets, plastic airlock, siphon hose, plastic bottles, and your kit). This would produce on average 20L of beer, or 10 six-packs. Given the average sixpack price of R40, your first 20L isn’t saving you much. Except that your next 20L won’t cost you nearly as much because you’ve bought the gear, and only need to spend around R120 on the kit - you do the math.

That was what clinched it for me. I love tasty, well-made beer, and I enjoy the different styles – weissbiers, bocks, ales of all kinds – which usually cost a fair amount in local pubs, especially the imported varieties. However, when I tried my hand at home-brewing I was amazed by the quality of the product that can be had right from the start without much skill But what if you’re the sort of fellow who makes or knowledge, as well as the flexibility I had in a hash of scrambled eggs? Don’t let that put you off – as long as you are clean, patient, being able to brew the styles that I enjoy. and can follow simple instructions, a kit-brew Most home-brewers start with kit-brews, is really hard to get wrong. For an easy-towhich are simply tins of malt-extract already follow beginner’s course in home-brewing, I prepared to produce the style of beer you highly recommend starting with John Palmers’ want. Kits are available in a wide range of excellent ‘How To Brew’ e-book, freely available styles, from India Pale-ales to amber Lagers to on the internet from his own website (www. rich, dark Irish Stouts. For the beginner, all that howtobrew.com). Additionally, check out the is required is to follow the instructions on the local home-brew shops and forums (e.g. www. tin, which usually involves boiling the contents thebeerkeg.co.za, www.diybeer.co.za), almost for around an hour in a pot, then pouring all of which are run by keen brewers who it into a 25l plastic bucket (the ‘fermenter’), are very accommodating and active on the adding the yeast packet (supplied with the threads. kit), top-up with cold water and leave it for a week to ferment and produce beer. Then Get started with these resources and you’ll be siphon the beer into your bottles and leave for brewing your own in less time than it takes to another week, then…enjoy. While this is a very break into a Liquor City. It’s a great hobby, it will simplified description of the basic method, save you money and, best of all, you’ll always the product is still fantastic. After succeeding have a bottle of something to knock back, that with kits, you might be motivated to try partial- doesn’t taste like spit. mash or all-grain brewing, which allow you a greater degree of control on the end product, but requires a bit more skill.

DEBT COUNSELLORS ASSOCIATIONS ANNOUNCEMENT BOARD No announcements No events pending

The Big Case court important dates: 26 February 2013 19 March 2013 www.thebigcase.co.za To keep up to date with NewERA find us on facebook.com/NewEconomicRightsAlliance www.dcasa.co.za

www.newera.org.za

NEXT MEETING NEXT MEETING Date: 21 Feb 2013 Time: 9:30 for 10:00 Venue: Council Chamber, 4th Floor, Alberton Civic Centre, Alwyn Taljaard St. All are welcome (incl. non members) RSVP: info@bdcf.co.za PH: 0111 054 0700 Thulile Mthembu www.bdcf.co.za

Our next monthly meeting will be held in Cape Town on Wednesday 27th Feb 2013 Venue: Bellville, Cape Town All are welcome to attend or to join us via Skype/Joinme For more information Contact : secretary@allprodc.org www.allprodc.org

Jasper Doest

WORLD WILDLIFE EXHIBITION

History Unit Africa, in partnership with the Iziko Museums of South Africa, the exhibition features 100 of the world’s most amazing The Wildlife Photographer of the Year Exhibition wildlife photographs taken by 77 top will be running until the 4 March at the Iziko photographers. The images capture nature South African Museum in Cape Town, and the in startling clarity from seldom before seen public is advised to get there and experience perspectives. the best nature images in the world, before it’s The exhibition is an annual event, co-owned by the Natural History Museum of London and BBC too late.

Licensed in the country by the Natural Worldwide, and is a carefully chosen distillation Under one month left to see the World’s Best Wildlife Exhibition in Cape Town.

Jami Tarris

of tens of thousands of photographic entries from around the world.

There are many categories in the exhibition, including overall winners – the Veolia Wildlife Photographer of the Year and Veolia Young Wildlife Photographer of the Year awards.

Other highly regarded categories are the Gerald Durrell Award for Endangered Species and the Wildlife Photojournalist Award, both of which were won by South African’s this year.

The Gerald Durrell award for Endangered Species was won by Kim Wolhuter, for his image of an African Wild dog puppy entitled Dog Days. Kim has been filming African wild dogs in Zimbabwe for the last several years, and his image of a lone puppy on a dried up salt plain captures perfectly the situation these animals are now in, being seriously endangered by the loss of their territories, poaching and disease.

Brent Stirton also featured in the top ranks as the runner-up for the Wildlife Photojournalist of the Year Award. Stirton tells the story of rhino poaching in South Africa through

6 images, showing from start to finish the process of poaching rhinos for horn sold on Asian markets. The collection, called Deadly Medicine is an important addition to the topic of rhino poaching in African conservation today.

The overall winning images work to subtly redefine how we see the natural world, giving us insights into places the human eye has often never gazed.

The Wildlife Photographer of the Year exhibition is being showcased from 4 December 2012 – 5 March 2013 at the Iziko South African Museum, 25 Queen Victoria Street, Cape Town (next to the Planetarium). Opening hours are 10h00 – 17h00, seven days a week.

Entrance fee is R30 per adult, R20 for students and pensioners, and access for under 18s is free.

DebtWise Tutorial DebtWise is constantly looking for ways to help our Debt Counsellors lives simpler. Our system now has improved SMS functionality. We look at 3 of the SMS options on our system.

Debt Counsellors can generate notification SMS’ while working on consumers Form 17.1 and 2s

The Form 17’s sms’s

1.

Applicant documents:

2.

Scroll down to “SMS”

Another otpion that Debt Counsellors have while using the DebtWise system is to send a consumer an SMS at antime using the SMS function All the DC has to do is select: Other Options and SMS, then you can choose the template you would like to use, by choosing from the dropdown box and choosing your template and click on “use” to allow the template to appear.

4. SMS function will pop up with a template that correlates with the specific document chosen:

(Please note that the template is editable and could be amended as required.)

An additional tick can be placed to send it to the secondary applicant/spouse, if required.

What if the expected payment from the consumer has not come in? Well now the DC can send a Default SMS for Non-Payment:

This SMS function is to make life easier for the Debt Counsellor to contact the client’s that are in Default and this template is also editable, for example, should it not be the client’s first payment, the word “first” can be removed.

Debt Wise Solutions Debt review and distribution software.

Proud Software provider to DC Partner, Payment Distribution Agency.

https://debtwisesolutions.co.za

DEBT COUNSELLOR PROFILE

Renee Marais (012) 330 0428 078 031 4264 renee@dfx.co.za skype:reneemarais facebook: debtproblemssolved

Who are your most co-operative and least coHow long have you been a DC? operative credit provider at the moment?

I was registered with the NCR in June 2010 but I get the best response from FNB and African had already worked with other DC from 2009 Bank.

What did you do before becoming a DC? I studied BBibl at Tuks. I then worked with the Beeld newspaper for almost 15 years before going into the IT environment where I established 2 call centres. I then became a mom, which has been great but when boredom threatened to set in, I then looked for something else worthwhile to do from home.

What area (of SA) do you practice in?

ABSA is currently making life difficult

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

Many Creditors still refuse to properly participate in the debt review process.

Also DCASA’s involvement with training of Magistrates is just not working.

Pretoria

What is the biggest challenge facing your consumers at the moment?

Do you have a small/med/large DC company?

Reckless lending and the high cost of living.

Very small, I strongly believe in the personal touch.

What advice do you have for consumers under debt review?

Participate in the process, pay your monthly debt on time and do not skip payments, talk I’m very dedicated, I’m hard working and I care. to your Debt Counsellor before problems arise and open all registered mail.

What makes your business a success?

Where do you find new business?

I find that most of my new clients come from word of mouth.

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

DEBTINC NCRDC’s 1071, 1188, 1189.

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

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

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

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

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

ECTORY Debt Counselling South Africa Cape Town Branch Tel: 021 919 66 94 Rod De Witt NCRDC831 Visit: www.debtcounsellingsa.co.za

Fair Finance Solutions Your debt is our priority Amanda Fair Registered Debt Counsellor NCR946 553 Jacqueline Drive Garsfontein Pretoria Tel: 0861 26 26 32 Fax: 082 921 7093 Cell: 086 564 3674 amanda@fairdebtcounselling.co.za www.fairdebtcounselling.co.za Fincorp debt Counsellors cc Cecilia Zwarts fincorpdc@yahoo.com Holistic Debt Counsellors info@holisticdc.co.za

Help-U-Debt (Parys) Marilouise 082 920 6249 Help-U-Debt (Vanderbijlpark) Herma 083 320 8303 Incentive Debt Counselling “Paving the way to a Debt Free Tommorrow” Darran Manikam NCRDC704 Tel: (031) 409 9379 Fax: (031) 409 1327 Cell: 0845898286 Branches: Phoenix and Shallcross Indigo debt counsellors CC Tel: 087 808 9734 Fax: 086 580 8675 indigodc@iburst.co.za MG Consulting Strand - Helderberg Area Telkom : 021 853 4537 Mobile Phone: 082 450 7459 Fax Number: 0866 220 690 E-Mail: info@mgconsulting www.mgconsulting.co.za

Helpdesk Debt Counsellors Allan Hoffman Tel: 0861 000 754 Help-U-Debt (Vaal Triangle) Wanine Tel: 082 445 3967 Help-U-Debt (Potchefstroom) Madra 083 390 3275

Mzansi Debt Counselling Octavia Hlatshwayo Tel: 011 868 1185 Fax: 0861 00 22 70 octavia@mzansidc.co.za www.mzansidc.co.za

The best angle to approach debt is the Triangle Caledon - Western Cape Contact Person: Yolande 8 Hoop Street, 7230 Caledon caledon@triangletrust.co.za Tel: 028 212 2537 Ceres - Western Cape Leyll str 61, 683 Ceres andre@triangletrust.co.za Tel: 023 312 1292 Fax: 023 312 2119 Worcester - Western Cape 71 Porter Street 6850 Longitude: 19.44305 Latitude: -33.64942 worcester@triangletrust.co.za Tel: 0233420576 Fax: 086656801 Bloemfontein - Free State 94 Zastron, 9301 Bloemfontein Contact Person: Yolande bloemfontein@triangletrust.co.za Tel: +27 51 448 2828 Fax: +27 51 447 9481 Viljoenskroon - Free State 35 Denyssen Street, 7230 Contact Person: Johann Olivier viljoenskroon@triangletrust.co.za Phone: +27 56 343 0352 Fax: +27 56 343 035 Welkom – Free State 329 Stateway, 9460 Welkom Contact Person: Susan Roux Email: welkom@triangletrust.co.za Tel: +27 57 352 6117 Fax: +27 57-352 2355

SERVICE DIRE EASTERN CAPE: DRS ALBANY Office: 041 373 9693 Email: dcfull@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 PORT ELIZABETH Derryn Fish Cell: 084 515 6135 Office: 041 453 8961 Email: derryn@drssa.co.za

DRS ALGOA Marius Weyers Cell: 083 497 3219 Email: marius@drssa.co.za

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

DRS BOND CHOICE Andrea Atkinson Office: 041 393 7000 Email: andrea.atkinson@drssa.co.za

DRS SOMMERSET EAST Luther De Bruyn Cell: 082 568 2970 Office: 042 243 1107 Email: luther@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 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 FOREISTATA EXPRESS (Bloemfontein) Derryn Fish Office: 041 373 9693 Email: dcexpress@drssa.co.za

ECTORY GARDEN ROUTE: DRS DE AAR Veronique Louw (Derryn Fish) Cell: 076 382 2020 Office: 053 631 1189 Email: deaar1@drssa.co.za DRS GEORGE Francois Van Zyl Cell: 079 522 1930 Office: 044 874 2820 Email: francoisv@drssa.co.za DRS EDEN (Hartenbos) Bruno Mertsch Tel: 042 291 1083/4 Email: brunom@drssa.co.za GAUTENG: DRS CENTURION EXPRESS Amanda Johnon Office: 041 373 9693 Email: dcfull@drssa.co.za DRS LYNNWOOD Junique Julius Office: 012 807 4339 Email: lynnwood1@drssa.co.za DRS PRETORIA EXPRESS Ben Vermeulen Cell: 082 442 8654 Office: 012 331 2145 Email: bverm@lantic.net DRS PRETORIA NOORD Office: 041 373 9693 Email: dcfull@drssa.co.za

DRS ROODEPOORT EXPRESS Derryn Fish Office: 041 373 9693 Email: dcexpress@drssa.co.za DRS RUSTENBURG Amanda Johnson Office: 041 373 9693 Email: dcfull@drssa.co.za KWA ZULU NATAL: DRS GREYVILLE Vyas Juggernath Cell: 083 206 0300 Office: 031 309 8716 Email: vyas@drssa.co.za DRS KOKSTAD Melanie Louwrens Cell: 083 269 0424 Office: 039 727 1430 Email: melanie@drssa.co.za DRS MORNINGSIDE DURBAN Erica Mtshali (Amanda Johnson) Cell: 076 578 8660 Office: 031 301 5990 email ericah@drssa.co.za DRS PHOENIX Vyas Juggernath Cell: 083 206 0300 Office: 031 309 8716 Email: vyas@drssa.co.za DRS PIETERMARITZBURG Sanele Zulu Cell: 083 543 3487 Office: 033 394 8319 Email: sanele@drssa.co.za

WESTERN CAPE: DRS BELLVILLE Patricia Bekker Office: 021 948 8523 / 4 Email: patricia@drssa.co.za DRS DIAMOND Clive Palmer Office: 021 421 8563 Email: clive@drssa.co.za DRS TYGERBERG Craig Lakey Cell: 082 627 0957 Office: 021 945 4062 Email: craiglakey@drssa.co.za DRS WEST COAST Marius Coetzee Cell: 082 978 4407 Office: 022 713 3766 Email mariusc@drssa.co.za DRS SALDANHA Marius Coetzee Office: 022 713 3766 Email: mariusc@drssa.co.za DRS SOLUTIONS Christelle de Villiers Cell: 084 586 5600 Email: cdv@vodamail.co.za

SERVICE DIRE 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

Penny Wise Debt Counselling Cathy Foster Debt Counsellor - NCRDC1977 Tel: (011) 794 9912 Fax: 086 719 3378 Mobile: 083 298 4467 Email: cathy@pennywise.co.za www.pennywise.co.za Rihanyo Debt Counselling (012) 804 50 57 SFA Debt Relief Consultants Adri de Bruyn NCRDC998 11 Market Street / Markstraat 11, Paarl, 7646 Tel: 021 872 1968 Fax: 021 872 2678 adri@sfadebtrelief.co.za Think Green Debt Counselling Sandi Pauw sandipauw@mweb.co.za Tel : 012 991 6638 Cell : 082 460 7800 Fax : 086 219 2615

U-Win Debt Counsellors Coreli Roos - NCR DC 509 Aliwal North, Burgersdorp, Bethulie, GariepDam, Smithfield, Springfontein Cell:079 626 66241 croos@global.co.za

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

Zuné Coetzer Debt Counsellors NCRDC 1599 9 Plettenberg Str, Dan Pienaar Bloemfontein Tel: 051-4364515 Fax: 086 5870 845 Email: dc@zunecoetzer.co.za www.zunecoetzer.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

SUPPORT SERVICES

FINANCIAL

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

ABSA Customer Debt Repair Line 0861 005 901 Credit Ombudsman 0861 662837 Experian 011 799-3400 debtcounsel@experian.co.za

Information resources & services www.thedci.co.za Designtimes South Africa’s creative resource www.designtimes.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

ECTORY 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

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 LEGAL

Gooseberry Business Advisory Tel: 012 644 0589 Nedbank Debt Rehabilitation & Recoveries Services 0860 109 279

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

O’Connell & Associates Attorneys at Law Keegan O’Connell k.oconnell@oalaw.co.za 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 nanika@vodamail.co.za www.empowerlaw.co.za RM Brown and Associates 601 Pier House, 13 -17 Heerengracht, Cape Town Tel: 021 431 9127, f: 021 425 0875 Email: oliver@rmbrown.co.za

Karen van Staden Tel: 012 998 9117 / 012 993 2132 Scheepers Attorneys Fax: 086 721 6467 / 086 662 1153 Gerhard Scheepers Is it time to expand your Debt Counselling Email: karen@hauptearle.co.za schlaw@iburst.co.za practice? office@hauptearle.co.za Do you need specialist Attorneys with a national www.hauptearle.co.za footprint?

Do you need expert advice on how to protect your practice and your clients?

Are you informed about recent statutory and

DIRECTORY CREDIT BUREAUS Compuscan 0861 514 131 www.compuscan.co.za Computer Profile Bureau 0861 28 7328 www.c-p-b.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 Willson Attorneys Specialists in Debt Review & Sequestration Gauteng Region Marguerite Loots TEL: 082 739 8225 Dylan Willson TEL: 071 605 6808 Office TEL: 011 865 5231

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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

Agiliti CC Colleen Van Wyk(BCom, LLB) Tel: 083 290 0848 Tel: 011 740 7374 Fax: 086 716 9694 Website: http://agiliti.co.za If you want to subscribe, advertise or be listed in our directory please contact us! magazine@ debtfreedigi.co.za