South Africa’s debt counselling magazine
March 2014 www.debtfreedigi.co.za
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PDA of choice! Gerhard Dyzel gerhard@dcpartner.co.za 082 828 7595 044 873 4532 (ext 126)
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CONTENTS EDITOR’S NOTE
NEWS
DEBT REVIEW AWARDS
CREDIT INFORMATION AMNESTY
DEAL WITH DEBT STRESS
“ It always seems impossible until it is done” - Nelson Mandela Specialist Attorneys dealing with Debt Review matters Magistrates Court and High Court Matters
TEL 021 913 2514 FAX 0866070940 EMAIL info@liddles.co.za PHYSICAL ADDRESS 7 Chenin Blanc Street, Oude Westhof POSTAL ADDRESS PO Box 3407, tygervalley, 7536
EDITOR’S NOTE When you glance at the calendar and see that you are in the third month of the year sometimes you can’t believe that Jan and Feb have already flown by. For many it is a relief just to have made it this far and survived the hardest months of the year. Debt Counsellors have been seeing more consumers than ever applying for their help and have been busy trying to assist consumers who have been stretched too thin by Repo Rate increases and petrol price hikes. However the new year has also meant new changes to the industry. There are new regulations that have been issued by the DTI Minister which will change the way information is shown on your credit record. Will this make credit reports better for consumers and less useful for credit providers? Read our article to see what you think. Another large change for the industry, in the form of the National Credit Amendment Bill, is coming soon as the Bill passed it’s second to last hurdle recently. We catch up on where the Bill is now and what happens next in our news section. If you want to know what it is like to run a debt counselling firm, be sure to read our interview with KZN Debt Counsellor Martin Snyman. Debt Counsellors can also find lots of industry event dates and announcements
near the back of the magazine. If you are looking for a Debt Counsellor, attorney, financial advisor or other professional service then why not turn to our Service Directory Section which features many excellent firms which can help? We are very proud to announce that Debtfree is helping to organise the very first annual Debt Review Awards this year. The event will be a great chance for the industry to acknowledge excellence by hard working companies and individuals. You can find out more in this issue about who/what/where etc. So, take a moment congratulate yourself on surviving the hectic start to the year. If you’re under debt review then keep making your payments and chipping away at that debt. If dealing with debt stress then check out our competition and living on less section for tips and advice. We hope you enjoy this issue and remember by the time you finish reading it you will be that little bit closer to being debt free.
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
www.one.za.com One is an authorised financial services provider – FSP 8783
INDUSTRY
CONSUMER
NEWS FLASH For daily debt counselling news in 3 minutes or less visit www.debtfreedigi.co.za
BDCF refuse NCR Monitoring
The Black Debt Counsellors Forum (BDCF) recently told the NCR that they were not going to cooperate with the monitoring visits by NCR staff until certain key issues (regarding how the NCR monitors Debt Counsellors) were sorted out. The NCR and BDCF recently sat down and discussed the matter. It seems they were able to come to an agreement and that there will now be better communication and education about monitoring as well as monitoring tools. You can read the BDCF announcement here about the results: http://debtfreedigi.co.za/wpcontent/uploads/2014/03/BDCF-ResponseMonitoring-Process-conducted-by-NCR.pdf
DCASA announce conference date
The annual day long Debt Counsellors Association of South Africa will be held in Gauteng, at Emperor’s Palace, on the 20th of August 2014.
Mpho (Thekiso) Lekala leaves FNB
This month saw Mpho (Thekiso) Lekala announce her resignation from FNB. She announced that she will in fact be leaving the debt review space entirely. While not writing off the chance that we may see her again she says it is time for a change. In the wake of Mpho’s departure FNB announced changes Know your rights to their escalation process for matters which You may not know it but March is Consumer exceed normal time frames or require extra Rights Education Month. The idea is for attention. You can read the new details here: organisations like the NCR and Credit Ombud http://debtfreedigi.co.za/fnb-debt-reviewto help educate consumer about their rights. centre-announce-revised-escalation-process/ The NCR have to do so all the time because of the requirements of the NCA anyway but they are putting in extra effort this month. One New Debt Counselling piece of important information that consumers may not know is that they can get a free credit Firm in Western Cape bureau report. It is your right. Want to find out Karin Augustyn has been a well known figure how? Head over to: http://debtfreedigi.co.za/ in the Debt Counselling world for many years. This month saw her teaming up with IT Guru march-consumer-rights-awareness-month/ Vanessa Munro to launch the Cape Debt Clinic. They will be focusing on Financial Education and wellness programs as well as offering Debt
South Africa’s largest Debt Counsellors
NEWS CONT. Counselling. Read all about the company launch here:
cost of credit to cover the added risk. Read more about it in this issue.
http://debtfreedigi.co.za/cape-debt-clinic-launch/
NCR advertising The National Credit Amendment Bill moves to next phase
Changes to the NCA are underway in the form of the National Credit Amendment Bill. After much research the DTI proposed the Bill and Parliament spent weeks researching and holding public hearings about possible changes to the NCA (see the Feb 2014 issue of Debtfree DIGI). The Bill was then debated at the National Assembly and has now been passed on to the National Council of Provinces and then the President to sign into law. Once signed by the President, the Bill will be published in the Government Gazette. This means that it is officially law and has to be adhered to. Soon after that we can expect that new regulations, based on the Bill, will be published by the Minister of the DTI.
The NCR have continued to really splashed out recently with regard to advertising information about debt review and the use of Payment Distribution Agencies. Adverts have been placed in many newspapers as well as featured on the radio. The NCR have even updated their Billboard in Gauteng about the use of PDAs while under debt review. You can see the adverts here: http://debtfreedigi.co.za/ncr-adcampaign-pdas/
Increased Petrol Price places consumers under strain
Fuel continues to climb into record high territory as prices once again rose in March. Debt Counsellors country wide are reporting higher than normal numbers of applications for help as consumers face the Repo Rate increase (0.50 %), inflation and higher transport costs.
New Regulations About the Removal of Adverse Credit Information
DTI minister Rob Davies made many consumer friends this month when he announced new regulations which will make the various Credit Bureaus stop showing some negative information about consumers on their credit reports. Credit Providers are very concerned about how this will effect their ability to properly evaluate consumers credit worthiness. They have said they will now have to increase their
NEXT
The Credit Information Amnesty Will you have to pay your old debts?
WHAT DOES THE CREDIT INFORMATION AMNESTY MEAN FOR YOU? Some love it, others hate it. People say it is just a political ploy to confuse consumers into thinking their situation has improved, others are convinced it will open the gateway for consumers to get work and accommodation. But exactly what is the credit information amnesty?
terms such as: slow payer, delinquent, uncontactable. The reports also show when a dispute has been lodged or a matter has been handed over to legal (or written off - which often simply means sold to a debt collection company). Some Reports have in the past also The official term for the “amnesty” is, in fact, had certain symbols which are shown which the removal of adverse consumer credit indicate negative things about the account or information. It has been brought about by the consumer. All these things will now have to Minister of the DTI who recently published new change. regulations (for the National Credit Act). These regulations are now changing the way credit Also information about past judgments which bureaus show information about consumers. have now been paid up by the consumer will It also makes credit providers take action to have to be removed. This will now be ongoing remove past bad listings when debts are paid for all paid up judgments. up. Why? It seems the concern is that when a consumer Will I still have to pay my debt? Unfortunately, yes. Even though some applies for a job or accommodation and information will not be present on your credit someone who knows little about finances or bureau report, you will still be liable for all your credit reports tries to read the consumers report and sees one of these terms they immediately existing debts. decide the consumer is untrustworthy. By However remember that most debts that have removing this information or making it harder not been collected on for over 3 years are to see if a consumer is and has been paying prescribed (so you don’t have to pay them) and all their accounts it is hoped this will reduce with the recent National Credit Amendment the negative impact that drawing a credit Bill soon to be in effect, it will become illegal bureau report can have. It is also hoped that for companies to try trick you into paying old by removing information about how in the past a consumer had many judgments which uncollected debt that is prescribed. they have now paid up it will present a more So what will change on my credit bureau accurate and positive picture. Others hope that by removing this information it will allow some report? There are many different credit bureaus in SA who previously stood no chance of getting (see the list). While they all do things slightly credit the opportunity to go apply for new different, all have ways of showing when a debt. consumer is not paying well or at all. In fact this is quickly evident if you simply look at the Credit Bureaus, credit providers as well as month to month payment history. However many Debt Counsellors are very worried about some reports also include some negative the possible negative effects of removing this The term “amnesty” is a tricky one. As soon as most people here that word linked to anything about credit they assume they will not have to pay their debts, since they will receive “amnesty”.
information. It will make a little more work for credit providers since they will have to now tell the credit bureaus when a judgement is paid up (ok so that is not a huge deal). It may allow credit providers to give consumers access to credit who have for many years been very irresponsible with the credit they had. They would thus be a higher risk and creditors would not know to allow for that. Could this result in consumers getting access to credit who wont pay it back responsibly? Well, at the moment half of all credit users are behind on payments so the reality is 50% of all consumers are bad at paying their credit. What’s the point of adding more symbols or phrases just to say that? With added guidelines on how credit providers evaluate consumers ability to repay there will be less room for granting credit to consumers who can’t or won’t pay. So it is clear that there is more of a psychological effect to the changes than anything else. The changes will start to come into effect on the 1st of April 2014 (no joke).
CREDIT BUREAUS TransUnion – 0861 482 482 Experian S.A – 0861 105 665 Xpert Decisions Systems – (011) 645 9100 Compuscan – 0861 514 131 Consumer Profile Bureau – 010 590 9505 CreditWatch (Pty) Ltd – 011 483 0086 Crosscheck Information Bureau (Pty) ltd (previously MLCB) – 0105 909 505 Inoxico – 010 001 0540 LexisNexis – 011 245 6500 Managed Integrity Evaluation (Pty) Ltd – 012 644 4000 Robertsons International Reports (Pty) Ltd – 011 777 4000 Tenant Profile Network (Pty) Ltd – 086 187 6000 Tenant Watch Business Activities (Pty) Ltd – 011 394 6828
You can download the new regulations about the removal of adverse consumer credit information here: http://debtfreedigi.co.za/wp-content/uploads/2014/02/Gov-notice-DTI-26-Feb2014-removal-of-adverse-consumer-credit-info.pdf
Nillionaire adj. Someone having little to no money.
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1
DEBT REVIEW AWARDS 2014
This year (2014) will see the hosting of the first annual Debt Review Industry Awards Gala. The Debt Review Awards will be held in July of this year in the heart of Cape Town, CBD. Debtfree are helping to coordinate the red carpet event. The Gala Event will offer the debt review industry the chance to recognize the hard work done both by individuals as well as companies to improve the debt review process. Consumers, Debt Counsellors, Credit Providers, Attorneys, NCR and DTI representatives as well as Payment Distribution Agencies will all attend. Debt review is helping hundreds of thousands of consumers Recently the number of consumers applying for debt review each month has shot up dramatically as financial pressure on consumers continues to mount. Increased fuel costs, high rates of unemployment as well as poor financial management continues to haunt South African consumers. As prices go up more and more consumers are crossing the barrier from hanging in there to over-indebtedness (when you can’t pay all your debts and still provide for your families needs with the money you earn). Fortunately for hundreds of thousands of South African consumers, they have been able to take advantage of the provision of debt counselling introduced by the National Credit Act. The number of applicants is fast approaching half a million consumers. Debt Review Turns 7 in 2014 The middle of 2014 will see the debt review process turn 7 years old. By mid year the recent National Credit Amendment Bill will also be in effect bringing further improvements to the debt review process. Thus July will be an
important month for the industry. July will also see the Debtfree Special Print Edition distributed countrywide which will show consumers the many benefits of taking control of their financial situation with the help of debt counselling. Debtfree Editor Zak King says: “As an industry matures so does it’s needs. Debt review is a great process and there are companies and individuals who are making great personal efforts to make debt review work. The Debt Review Awards will provide our industry with a way of acknowledging those efforts.” We would like to thank our Event Partners/ Sponsors and Supporters.
Administrators of the Debt Counselling Process
You take care of your custo
whilst we take care of the administrative challenges associated with the debt cou
Testimonials from our sa Hi ADCAP
Thank you for the reply. The service is excellen Through your services I am able to focus on gr I believe you have the ex pertise in your field. I forward to your guidan ce. Kindest Regards,
Dave
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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.
DEALING WITH DEBT STRESS CHOMPETITION WINNER SAVE ON FUEL- COMPETITION
INDUSTRY
CONSUMER
DEALING WITH DEBT STRESS One of the untold elements to dealing with debt is the stress it causes. That stress feeds into all elements of your life. Sadly many people in debt soon find their relationships with family, colleagues and friend in trouble. Debt stress can soon become work stress which can put you in danger of becoming unproductive or even losing your employment. Often times
debt stress can leave you restless or unable to sleep at night. Less rest means you are more susceptible to further stress. It is a vicious cycle! One aspect of dealing with debt therefore is learning to deal with stress as a whole. Learning how to improve in this area can stop the stress cycle and in fact can help in dealing with your debt and its causes as well.
Here are a few ways you can reduce your What about bigger/ long term solutions? stress and not let your stress levels effect you at home and work: Lets first look at a few • Talk to somebody, parent, friend, boss or professional about the pressures you face. short term solutions to get the ball rolling. • Always take a lunch break at work, clear your • Count to 10 before saying something you will head and get some perspective. Even if you regret. Really try to hold back. Quitting your job work for yourself. will not solve your problems. Shouting at your • Do fun things as a family, including chores, preparing meals and lunches for the next day. family will not make you a happier person. • Join/Start a dinner club, where each week • Switch to decaff coffee or herbal tea • Listen to your favorite song. It’s a great way to one family hosts the meal and all contribute towards the dinner. This way you get to spend take a time out and regroup • Remove yourself from the problem and go for time with your friends, and have one less night on which you have to cook. a short walk in the fresh air • Each morning make a plan for the day where • Take nice deep breaths • Have a 20 minute nap (preferably not at your you delegate tasks and deadlines that need to be met. Why not write things down. It really desk at work though) works and makes you focused and productive. • Hit the gym when feeling overwhelmed • Have a soothing bath with your favorite bath • Take your dog for a walk each evening or early morning to clear your head and give Fido some salts or bubbles • Learn to say No. You cant please everybody attention. Alternatively go for a jog. Its healthy and will help you think things over in a non all the time The last one here is probably the most pressurized environment. important. Being overloaded with too many • Attend a Yoga or Pilates class at least once a obligations and not delegating will soon have week if you are a member of a gym. you overwhelmed and prone to stress. In many cases asking if you can have a bit longer to If you are experiencing debt stress another accomplish a task or turning the task down positive thing to do is talk to a professional, is the best way to remain in control. Do not such as a Debt Counsellor. Sticking your head in the sand and ignoring the problem will assume you are a multitasking guru. not make it go away. In fact the situation will become harder and harder to deal with the longer you leave it out of control. Getting help from a professional can be a huge source of relief.
COMPETITION: SAVE ON FUEL The petrol price went up again. Ouch! What can you do to off set the price increase? Would you like to spend less on your fuel consumption each month? Would you like to get a little more power out of your vehicle? Well, you can with the Cyclone Fuel Saver. Best of all it is brilliantly priced at only R299 per unit. If you read last month’s Debtfree DIGI you will have seen how one of our staff tested the product and immediately felt more power and saw a fuel saving. Now you can too. Read more about it here: http://debtfreedigi.co.za/escalating-fuel-costs-can-done/ Cyclone Fuel Saver and Debtfree are making it possible for one of our readers to have this fuel saving device fitted to their vehicle at no charge.
HOW TO WIN:
If you would like to win a fitment of the Cyclone Fuel Saver to your vehicle all you have to do is visit their site http://www.cyclonefuel.com/ and tell us: What is the Cyclone Fuel Saver and where is it fitted in your car? http://www.cyclonefuel.com/
TERMS & CONDITIONS The Prize is for one reader to have the Cyclone Fuel Saver Device supplied and fitted to their vehicle. Transport to the prize fitting venue is at the winners own cost. Debtfree’s choice of winner is final. Winners will be notified via email. No correspondence will be entered into in this regard. Debtfree accepts no liability. Prize valid for 2 months from date of announcement. Prize is non transferable. Winner may be required to provide feedback to Debtfree DIGI for promotional purposes. Prize cannot be exchanged for money.
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DEBT COUNSELLOR PROFILE
MARTIN SNYMAN
Cooperation in the industry. DC’s have to speak with one voice. For too long the industry was represented by a select few and the voice of the bulk of DC’s was not heard. If the differWhat did you do before becoming a DC? I started my career as an accountant, joined ent factions in the debt counsellors industry, ie the credit industry in 1995, was a credit man- DCASA, ALLPro and BDCF can manage to meet ager at corporate microlending between 1999 eye to eye on industry challenges, the opand 03. I had my own debt collection business erational challenges can be addressed unanibetween 2003 and 09 and then joined debt mously at the Credit Industry Forum. counselling industry in 2010. What is the biggest challenge facing your consumers at the moment? Tell us about KZN Debt Counsellors. The company has 5 registered DCs and a staff Abuse by credit providers who are obstructing the purpose of the NCA. Some credit providcompliment of 24. We operate from KZN. ers continue with money grabbing, ignoring What do you feel makes your business a suc- reasonable proposals, opposing debt review court applications on irrelevant technical ascess? The consumer is at the heart of it all. Too many pects, rescinding debt review court orders on shortcuts and too much administrative gar- technical aspects and by doing so, disrespectbage exist in the industry that is not part of the ing the cooperation from a paying and loyal NCA and often the consumer is overlooked. consumer. We intentionally put the consumer at the fore and assist them within the ambits of the NCA What advice do you have for consumers unand other available legislation. Too many DC’s der debt review? are only focusing on the debt review process Hang in there! Debt review is a process that and forget that there is also a debt counselling was developed and enacted to offer debt reprocess, where the DC can assist the consumer lief. The fact that the road is tough at first must to change their behaviour to take responsibil- not discourage consumers from keeping up with their new payment arrangements. ity of finances and control spending. How long have you been a DC? I was registered in February 2010.
Where/how do you find new business/clients? Social marketing is a big contributor to our KZN Debt Counsellors Pty Ltd success. Personal contact with consumers is vi- Tel 032 596 3597 tally important to establish trust. We therefore email martins@kzndebt.com arrange and attend financial literacy and wellness workshops to support all consumers and not only those who are financially distressed. What is the biggest challenge facing Debt Counsellors at the moment?
DEBT COUNSELLORS ASSOCIATIONS ANNOUNCEMENT BOARD
DCASA Western Cape Branch Meeting: 20 March 2014 at Parow Golf Club from 10:00. DCASA KZN Branch Meeting: 16 May 2014 at Westville Country Club from 10:00. DCASA Conference will take place on the 20th August 2014 at Emperor’s Palace. Bookings will open shortly. To find out more, contact DCASA at dcasa@dcasa.co.za or 086 143 2272.
www.dcasa.co.za
BDCF has successfully met with the NCR re monitoring tools. BDCF advised BASA of consumer harrasment. A report is since being completed in order to forward to BASA. Concerns were raised with FNB regarding sending consumers info sheets about debt review. We will also be meeting with Bayport this month re: proposals. www.bdcf.co.za
For more information about the Debt Counsellors Union contact: chairman@newera.org.za Check out some news on our site http://news.newera.org.za/track.php?link_ id=5c49a201dd095ad3&cid=ce72001fd269 742b
www.newera.org.za
Our NEC will be meting in Cape Town this month. See newsletter for more details Join the Alliance of Professional Debt Counsellors today. We have regional representation in all major provinces and focus on both the NCA & the needs of our members.
www.allprodc.org
MARCH
NEWSLETTER Credit Industry Forum - update We wish to thank our members who were able to help us draft a response to the NCR’s call for comments to the Credit Industry Forum ( CIF) committee on withdrawal from debt review. We received many good suggestions and passed them on to the NCR/CIF. It now remains to be seen what other input they have received from other Debt Counsellors and credit providers in this regard. One of the seemingly positive aspects to come out of the current standing on this matter due to the Rogeur Judgement is that where consumers for no good reason stop paying the Debt Counsellors fees (or even never pay any fees at all) they will now be faced with the reality of being under debt review without a Debt Counsellor. This will mean they will have to source another Debt Counsellor to set matters right or preferably repair matters with
the original Debt Counsellor and catch up on the debt review (or the accounts that remain under debt review). If this is clearly explained to consumers up front when applying for debt review it may reduce any abuses we have previously come across in this regard and ensure that Debt Counsellors do receive their fees for professional services rendered. March Meeting A NEC meeting is being held this month to discuss important matters as raised by various members. We have also invited several key industry players to join us to discuss opportunities, as well as, the challenges we are currently facing. Once again the focus at the meeting will be to streamline our operation, improve cooperation with others and refine our strategy for 2014. We hope to soon report on all the positive outcomes from the meeting and interaction with those invited.
CONTACT DETAILS secretary@allprodc.org FORUM: www.debtconcern.webs.com WEBSITE: www.allprodc.org FACEBOOK: www.facebook.com/AllProDC TWITTER: www.twitter.com/AllProDC
SERVICE DIRE DEBT COUNSELLING AA Debt Counselling Centre Anthea Johannes NCRDC531 Tel: +27 (0) 21 982 0522 Cell: +27 (0) 84 402 7032
Financial Synergy Group Credit Awareness & Rescue Services DEBTINC 0861 20 21 20 enquiry@debtinc.co.za
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
Financial Planning & Growth CONFIDO 022 713 20 21 planning@financialsg.co.za
Cape Debt Clinic Your Guide to Financial Wellness and Recovery Karin Augustyn 021-828-2658 073-903-6942 karin@capedebtclinic.co.za
Legal 012 643 1423 legal@financialsg.co.za
Central SA Debt Counsellors 082 950 7806 Fax: 086 563 1621
Employer Group & Wellness Services 012 643 1423 wellness@financialsg.co.za
Consumer Assist Tel: 0861 628 628
Call Centre Services 0861 20 21 20 reception@financialsg.co.za
Credit Matters South Africa’s Largest Debt Counsellors 14th Floor, The Pinnacle Cnr Strand & Burg St Cape Town Tel: 086 111 6197 Fax: 021 425 6292 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
DEBT Budget
Debt Budget MAXIMISE YOUR LIFE, MINIMISE YOUR DEBT Bruce Leslie Borez Registered Debt Counsellor NCRDC1643 48 Church Street “Medical Mews” Wynberg, Cape Town Tel: 021 824 8885/021 820 4946 Fax: 086 607 6429 www.debtbudget.co.za
DebtSenseGroup
For Professional, Responsible and Effective Debt Restructuring Services
John Harvey NCRDC 1370 Newcastle – KZN Tel: 034 312 1767 Fax: 034 315 3441 Email: debtsense@newcastle.co.za Web: www.debtsensegroup.co.za Debt Solve Debt Counsellors Office: 033 397 0945 DebtSafe 0861 100 999 Debt Serious We are serious about debt
ECTORY Vida Scheepers NCRDC1792 Po box 394, Garsfontein, Pretoria 0042 Fax no: 086 553 9403 vscheepers@mweb.co.za
Debt Therapy Hans Pettenburger-Perwald NCRDC49 Tel: +27(0) 21 556 4935 Fax: +27(0) 21 556 4937 Toll Free: 0800204728 Cell: 0823358232 www.debt-therapy.co.za Email: info@debt-therapy.net Debt Rehab Colleen Van Wyk(BCom, LLB) Debt Counsellor NCRDC2619 Tel: 083 290 0848 Tel: 011 740 7374 Fax: 086 716 9694 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 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
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
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 Help-U-Debt (Potchefstroom) Madra 083 390 3275 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
Finesse Debt Counsellors NCR Registration No: DC1262 Address: 478 Windermere Road, Morningside, Durban, 4001 Phone: 031 209 2356/ 084 250 2356 / Fax: 086 5732433 e-mail romie@debtfinesse.co.za www.debtfinesse.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
Holistic Debt Counsellors info@holisticdc.co.za Helpdesk Debt Counsellors Allan Hoffman Tel: 0861 000 754 Help-U-Debt (Vaal Triangle) Wanine Tel: 082 445 3967
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
Mzansi Debt Counselling Octavia Hlatshwayo Tel: 011 868 1185 Fax: 0861 00 22 70 octavia@mzansidc.co.za www.mzansidc.co.za
New Deal Debt Counselling Jason Riley (NCRDC868) B.Com (Financial Management) Cell 0723792108 Fax 0866628789 info@newdeal.org.za www.newdeal.org.za 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
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
ECTORY Think Green Debt Counselling Sandi Pauw sandipauw@mweb.co.za Tel : 012 991 6638 Cell : 082 460 7800 Fax : 086 219 2615 U-Win Debt Counsellors Coreli Roos - NCR DC 509 Aliwal North, Burgersdorp, Bethulie, GariepDam, Smithfield, Springfontein Cell:079 626 66241 croos@global.co.za Zuné Coetzer Debt Counsellors NCRDC 1599 24 van der Stel Street, Dan Pienaar Bloemfontein Tel: 051-4364515 Fax: 086 5870 845 Email: zunecoetzer1@gmail.com SUPPORT SERVICES Staff Line Ndizani Executive Recruitment Cell no: 083 3028163 Direct Line: (011) 468 - 2150 E- Mail: saki@staffline.co.za
Information resources & services www.thedci.co.za Designtimes South Africa’s creative resource www.designtimes.co.za
TRAINING Compuscan Academy 0861 51 41 31 www.compuscanacademy.co.za You & Your Money NCR ACCREDITED DEBT COUNSELLOR TRAINING COURSES: Training and mentoring since 2007 Want to make a contribution as a registered debt counsellor? Need to empower and upskill staff in your debt counselling business? Courses devised to suit all needs: Flexible timeframes to accommodate workflows. On site/inhouse training for staff. Contact Dawn Jackson Dawnjackson.training@telkomsa.net
Cell: 072 1769789 FINANCIAL
ABSA Customer Debt Repair Line 0861 005 901 Credit Ombudsman 0861 662837 Experian 011 799-3400 debtcounsel@experian.co.za Eric Streso Financial Planner B Juris LL B CFP MBA Tel: 0833273358 Fax: 086 612 7912 Fair Debt 0829019788 or 012-3772558 ray@fairdebt.co.za
PACFIN Financial Solutions Head Office Tel: +27 11 9757445 Fax: 0865368783 36 Van Riebeeck road Kempton Park 1619 pieter@pacfin.co.za Monte Carlo Building No 8 Voortrekkerstreet Kempton Park 1619 Kempton Park Contact: Reyno Coetzee Tel: +27 11 3945363 Fax: 0866048002 Cell: +27 73 3690884 kemptonpark@pacfin.co.za Boksburg / Germiston Contact: Armand Posthumus Tel: +27 11 8921911 Fax: 0865620378 Nelspruit Contact: Ann Baker Tel: +27 13 7415559 Fax: 0880 1374 15559 Cell: +27 82 9024236 jeleroux@telkomsa.net Springs Contact: Wynand Mclachlan Tel: +27 11 8113728 Fax: +27 11 8113728 Cell: +27 83 2754014/5 wynmc@telkomsa.net Gooseberry Business Advisory Tel: 012 644 0589 Nedbank Debt Rehabilitation & Recoveries Services 0860 109 279
DIRECTORY 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
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 Liddles & Associates Fax: 086-623-5986 “It always seems impossible until it is nanika@vodamail.co.za done” N. Mandela www.empowerlaw.co.za Tel: 021 913 2514 Fax: 0866070940 RM Brown and Associates Email: info@liddles.co.za 601 Pier House, PO Box 3407, tygervalley, 7536 13 -17 Heerengracht, 7 Chenin Blanc Street, Oude Westhof Cape Town Tel: 021 431 9127, f: 021 425 0875 LUCID Attorneys Email: oliver@rmbrown.co.za Tel: 011 880 1100 Fax: 011 880 1101 Scheepers Attorneys Email: info@lucidsa.com Gerhard Scheepers www.lucidliving.co.za/attorney schlaw@iburst.co.za
FINANCIAL PLANNING Eric Streso Financial Planner B Juris LL B CFP MBA Tel: 0833273358 Fax: 086 612 7912 LEGAL
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
Karen van Staden Tel: 012 998 9117 / 012 993 2132 Fax: 086 721 6467 / 086 662 1153 IsEmail: it time karen@hauptearle.co.za to expand your Debt Counselling practice? office@hauptearle.co.za www.hauptearle.co.za Do you need specialist Attorneys with a national footprint? Do you need expert advice on how to protect your practice and your clients? Are you informed about recent statutory and
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
Thomson Wilks inc. Meet Thomson Wilks Meet Excellence Tel 021 671 6935 / 021 820 4319 / 021 424 4599 Cell 072 554 0935 Fax 086 570 8741 Website www.thomsonwilks.co.za Suite 14, 3rd Floor, SunClare Building, Dreyer Street, Claremont, 7708 The Chambers, 3rd Floor, 50 Keerom Street, Cape Town, 8001
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Agiliti CC Colleen Van Wyk(BCom, LLB) Tel: 083 290 0848 Tel: 011 740 7374 Fax: 086 716 9694 Website: http://agiliti.co.za CREDIT BUREAUS Compuscan 0861 514 131 www.compuscan.co.za Experian www.experian.co.za Consumer- 0861 10 5665 TransUnion 0861 886 466 www.transunion.co.za XDS 0860 937 000 www.xds.co.za
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