South Africa’s debt counselling magazine
November 2012 www.debtfreedigi.co.za
Administrators of the Debt Counselling Application Process
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CONTENTS 5 Editors notes 7 News 12 Bonus time 14 LIVING ON LESS 16 Terminators 22 Letter from reader 26 Serivce Directory
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EDITOR’S NOTE I don’t know how it happened but it seems my costume has shrunk in the wash again this year. I mean, I specially went out and bought a new one last year around this time and when I tried it on the other day it just doesn’t fit anymore. I wonder how that happened?
rainbow on your desk. Sure it’s unlikely in this economy but what if it does happen? The year is drawing to a close but that doesn’t mean that your creditors have forgotten about you so be sure to read up on the dreaded ‘termination letter’ and what to do when you inevitably receive one. Forewarned is forearmed .
Summer is now really here and an afternoon or early morning in the sun is a great way to get outdoors, have some fun and save money at the same time. So it’s off to the pool or beach So go on, get out there and soak up some I go. rays. Catch a tan (not in the middle of the day obviously). It’s time to enjoy summer and for Maybe in view of the tightness of the waist on goodness sake don’t miss any debt repayments my costume I might hit the gym first...or maybe at the end of the year or things will go bad real not. Be sure to read our article ‘I Quit my Gym’. quick. Think about it just a few days until a new I think you will find it has some insights that year of possibilities. Who knows, maybe by this will strike a cord. All I know is that exercise will time next year you could be debt free? make you feel better, help you sleep better and help you cope with stress better. If you have debt then no doubt you need help dealing with stress and everyone needs a good nights rest. This issue we also look at that mystical beast the 13th queue and what to do with it this year if it miraculously does appear at the end of a
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INDUSTRY
CONSUMER
NEWS FLASH Minister of Finance and BASA joint statement makes DCs nervous The recent joint press statement from BASA and the Minister of Finance seems to be yet another good publicity drive to say that the banks are good guys and will not make use of garnishee orders so much anymore (...maybe).
Rather they should have simply promised to cooperate with the already existing process of debt review and agreed to not fight lowering debt obligations to consumers who go through this process. Clearly actions speak louder than words. Sad really.
The Statement also made reference to BASA members reviewing consumers situations and possibly reducing payment obligations. This seems like a great idea since stats show that half of South African credit users are in real trouble, being in many cases months behind on payments (so they obviously need some relief). It is unclear how the banks intend to review these millions of cases in detail. If what has been seen in the hundreds of thousands of debt review cases holds true they do not have the capacity, software or inclination to do so. Debt Counsellors are very dubious about the banks doing more than a token gesture in this regard.
AllProDC AGM The second oldest DC representative body (The Alliance of Professional Debt Counsellors) turned 1 year old at the end of Oct. As a result they held their first annual general meeting. AllProDC have been in existence officially for 13 months and operate mainly in Cape Town, George, PE and KZN with a few members in other provinces. The alliance is well known for its online forum which features over 200 members (not all are members of the association).
Half of the paid up members of the association were in attendance along with representatives The Statement also seemingly made reference from In2insurance and Consumer Friend and to the now dead (killed by the NCR) voluntary Debtfree DIGI (of course). debt mediation process. It seems to lurk hidden in the phrasing of the statement. The One purpose of the AGM was to elect the NCR showed this process to be illegal and shut National Executive Committee for the following just such a bank run voluntary system down. It 12 months. The previous committee had been seems that BASA are hoping that amendments in place as an interim committee making this to the National Credit Act might allow for the first official election for the NEC. something like this. It is highly unlikely however. The statement does show that the banks are The voting process went smoothly with 7 masters of empty promises and misdirection. members of the previous interim committee
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being now officially voted into positions on the we are also a non-racial organisation and we welcome membership from all those debt NEC: counsellors who embrace the same ideals we do,”. Chair Person: Simon Barkenhuisen Vice Chair: Alan Manshon The BDCF aims to increase the number of Treasurer: Hennie Vermaas DCs through intensive training efforts by Secretary: Marie Kruger introducing mentorship programmes with Legal: Adri De Bruyn accredited and experienced Debt Counsellors. Additional Members: For more info contact the BDCF on: Karin Augustyn www.bdcf.co.za John Steyn Tel: 0861 00 22 70 The Treasurer reported that the association had E-mail: info@bdcf.co.za turned a small profit of R4000 after expenses for the year. Atlas Fake Garnishee Orders - Beware A presentation by Consumer Friend’s Justin A recent Moneyweb expose revealed that van der Linde was well received. Consumer numerous garnishee orders secured by debt Friend have added 2 new creditors to their collectors for debts owed to Atlas Finance, portfolio namely Wonga and CAPFIN. Another through the Krugersdorp Magistrate’s Court, presentation followed by In2Insurance. They appeared to be fraudulent. highlighted the danger of not having cover especially in light of the CPA. A general Commonly called “garnishee orders” are discussion was conducted after a small lunch. court orders instructing employers to deduct All in all members seemed happy and the AGM amounts from the salaries of employees towards the repayment of debt. In the wake of ran smoothly. several articles by Moneyweb the Krugersdorp’s Chief Magistrate has committed to take steps towards identifying the source of fraud relating BDCF making waves in Gauteng A new industry player has emerged in the form to garnishee orders issued from her court. of the Black Debt Counsellors Forum (BDCF). They say that while the BDCF acknowledges In addition, the Krugersdorp Magistrate’s Court the role played by the Debt Counsellors has instructed garnishee auditing firm Synrec Association of South Africa (DCASA), the to halt the payment of all Syndicated Debt BDCF feel that DCASA has not done enough Collectors’ garnishees on the grounds that to promote and encourage black economic they are all fraudulent. empowerment in the debt counselling field. “The BDCF is committed to encouraging black This follows after the decision last week by economic empowerment as per the NCA but Summit Garnishee Solutions to freeze all
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garnishees attached to its clients’ employees, are in. DCASA explain it this way: issued by Syndicated Debt Collectors and Draft In terms of the DCASA constitution, Services. Clause 4(b) of the voting process states the following: Chief Magistrate Jacoba Visagie has said that while it appears as if court employees are not “If there are less than eight (8) involved in the fraud, she is not ruling this out nominations there will be no vote and entirely. She says that it appeared as if the fraud the persons nominated will be elected took place at the debt collection agencies. to the NEC unopposed”. A Krugersdorp Clerk has stated that the particular signature on the fake orders was In terms of the DCASA Constitution & Voting not one of those used by any of the three procedures the following members are therefore elected unopposed to the DCASA Krugersdorp clerks. NEC. This would suggest that both the Draft and Syndicated garnishees were obtained through The members who therefore will be part of the the same channel which might eventually NEC for the next 12 months are: lead back to Krugersdorp. Syndicated Debt Cilliers, Eugene; Collectors is owned by Jack Halfon, who is also Davis, Phillipa; the major shareholder and founder of Atlas De Broize, Joseph; Finance. Richards, Tony; Siljeur, Nathanael; The Hawks are now involved in investigating Slot, Paul, the apparent fraud. Mauritz van den Heever Draft and Syndicated Debt Collectors have maintained their absolute innocence in the In addition to these members each regional matter with Syndicated’s parent company office or branch of DCASA will be able to elect saying that the Hawks’ investigation will totally one member to represent them at the NEC. exonerate them.
DCASA NEC Elected DCASA – the Debt Counsellors Association of South Africa – have recently called for members to be elected to their National Executive Committee. Over the last few weeks nominations have been made. Less than 8 names have been put forward so the results
Visit www.debtfreedigi.co.za every day for updated news items. Stay up-to-date in less than 3 minutes every morning.
CONSUMER
Bonus Time So it may seem unlikely that this year you will receive a bonus or 13th cheque but what if you do? What will you do with those extra funds? Well, you could keep very quiet about it and head off to the shops to pick up a few nice things for the end of the year. Maybe treat yourself a little. After all, you did work so hard this year and you deserve nice stuff don’t you? But would that be the best use of those funds? Ask yourself what is the largest source of stress in your life? What if you could reduce that stress? How much is that worth? One thing you could do, when you find out you are going to be receiving more funds at the end of the year, is talk to your Debt Counsellor about the matter. After all, your Debt Counsellor will provide you with a realistic, balanced view on how to get the best benefit out of your extra funds. You may even be surprised when your Debt Counsellor advises that you use some of the funds on much needed regular expenses. By doing this the Debt Counsellor will be helping you stay on track with your scheduled debt repayment plan as set before the courts (and by now hopefully in your debt restructuring Court Order). It may be that you have not been able to save to cover the added cost in January of school clothes and school books. Maybe you have not been able to save toward the cost of replacing the tyres on your car or renewing your car or TV licence. These items often slip our minds but not your Debt Counsellors. So, the first step would be to contact them and let
them know how much extra you are getting. Your Debt Counsellor can also advise you on the possibility of closing off one or two of your smaller debts. Possibly you faced some payment problems during the year and this is now an opportunity to catch up with the repayment plan. This will greatly please your creditors and show good faith on your part. Maybe you have had to fight off greedy creditors who wanted to make your life difficult by trying to “terminate” your debt review and take an asset. If you fought them it probably raised some legal costs which the extra funds can now cover. Whatever you do please exercise caution in simply walking into one of your creditors offices and saying: “ how much do I owe you?” and paying whatever they tell you. Almost every creditor out there is too lazy or too cheap to adjust their software to make sure that their system reflects what they have agreed to or been forced to do by the debt restructuring court order. If you just pay whatever they tell you, you will almost inevitably pay much more than you should. Rather ask your Debt Counsellor to assist you to deal with the creditor and let them check the balance they give against the figures shown by the PDA. It takes longer but saves you lots. So, if you are fortunate enough to get this elusive mysterious beast of a 13th cheque or end of year bonus be wise and reduce your stress, talk to your Debt Counsellor.
LIVING ON LESS “I quit my gym” About 5 months ago my husband and I decided that the gym was not working out for us anymore. We were drifting apart for various reasons. We would make it to the gym I’d say minimum twice a month. The drive to the gym would take 5 minutes on a traffic free day. But with the construction of the my citi buses it seemed like we were spending more time in our car to and from the gym than actually enjoying a good workout so as to feel refreshed! After eventually finding parking at the gym we would rush to get in do the walk/ run on the treadmill then decided to do some weight training. Again we would have to wait to use certain machines! The greedy gyms have become so overcrowded that even when you are inside this germ infested place you still seem to waste unnecessary time and money (on petrol and sugar filled smoothies which we thought we deserved)
This frustration led to our decision to cancel our gym membership. One of the best decisions this year. My husband and i have found that doing daily 15-20 minute training in the peaceful comfort of our two bedroom flat had contributed To our wellbeing. Not only have we saved money on petrol and gym fees but we also have more time to be more productive on physical exercise. It’s also made us conscious of being outside and finding activities or exercise outdoors ie. riding bicycles, walking down the road or even going to a run on our beautiful mountain or signal hill! These days when we feel lazy we find ourselves saying “ it’s only 15 minutes and we can do it right here” and immediately feel motivated! Now we use our time energy and money on things that bring us happiness rather than frustration! Roxy Rosenberg
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CONSUMER
TERMINATORS
CAN THEY TERMINATE MY DEBT REVIEW? The courts ruled that the creditor can terminate their own participation and they can then go to another court to try get a judgment. The ruling also says that to balance this the consumer then can defend the matter and can raise the objection that the creditor has terminated in It is impossible for one creditor to cancel or bad faith. terminate a debt review of many different accounts. It is a common misuse of a term This would only be true where the consumer used in section 86(10) of the National Credit was actually paying as per the proposal made Act. In that section it says that if the consumer by the Debt Counsellor. If this is not the case is in default and 60 days have gone by since then the Debt Counsellor will not help the applying for debt review then the creditor can consumer and the consumer would be in the wrong and would not be likely to defend the “give notice to terminate the review�. matter. If you get one of these letters do not get confused and think your Debt Counsellor is not At first glance these rulings seem to benefit the doing their part. The are. Creditors are allowed creditor but in reality there is very little benefit to give notice that they will terminate but they to a creditor where the consumer is actually have to do this in the prescribed manner and paying toward their debts via debt review each they have to notify several parties (also in the month. Lets explain: prescribed manner). Lets say the Debt Counsellor has set R300 Now it might seem weird to you that a creditor a month aside for this particular account only has to wait 60 work days before they can in the debt restructuring proposal to the try pull out of the process however this matter Magistrates Court. If the account is removed has gone to the highest courts and rulings from the debt review then the creditor can run to another court and try get a judgment have been made on the subject. Often consumers receive threatening and scary sms’ or emails or even letters from creditors saying that their debt review has been terminated. Simply put this is untrue. At a stretch it is only partially true.
against the consumer. They then can try to get an attachment order against the consumers salary for funds. How much will they get? Well, since another court has already ruled on the consumers budget and debt obligations for the debt review they will only be able to get the amount that the Debt Counsellor suggested to the Magistrates Court in the Debt restructuring Court Order in the fist place. No other funds are available. All that will now happen is that they will have added legal costs and the interest will probably be set at 15.5%. The consumer can even go to the court (in terms of the MCA) and ask the court to make a debtor payment arrangement for the new judgement at the amount of R300 (after showing the figures in the debt restructuring proposal). So why are all these creditors sending me these letters? It is for a variety of reasons. One is incompetence. Another is short sightedness. Some creditors just let their computers automatically generate these types of letters or sms’. Another is people in collections/ Legal departments trying to reach targets of amounts litigated each month. It is sad really and a real waste of both the consumer and the creditors funds. Sadly it is also a way for creditors to strip consumers of assets if they don’t defend the matter at High Court Where the creditor terminates during the process and have not negotiated with the consumer they will not be successful in getting another court to grant a judgment because the consumer can simply oppose the matter and show how they refuse to negotiate or co operate with the debt review. Many consumers don’t want to defend the matter though because it is
stressful and it can be nerve-wracking to go to court and tell a judge how unfair the creditor is being. Don’t be intimidated. Losing your asset will be far more stressful. Rather go to court and ask for a 86(11). Have the account re-included in debt review and ask the judge to make the creditor cover the legal bills (a costs order). So in conclusion yes creditors can 86(10) “terminate” their participation in a debt review but they still need to go to the magistrates court to oppose the debt restructuring court order. If they take legal action against you, you can successfully defend the matter and make them pay. If they somehow win they will only get the amount your debt counsellor offered them in the first place. It is important not to panic if you get a ‘termination’ letter but you should to inform your Debt Counsellor at once so they can help you deal with the greedy and short sighted creditor that sent it to you.
86(11) Reasons why a court might order a 86(11) re inclusion of a “terminated” account back into the debt review: Incorrect service procedures locus standi issues A reckless credit investigation is happening Account not in default at time of application for debt review The creditor acted in “bad faith” Bad Faith would include things like: Not providing information to the Debt Counsellor within the time limits set out in the NCA. Not responding to proposals Unreasonable demands made in counter proposals Stalling in Magistrates Court to try legal action elsewhere Automatically terminating after 60 days Failure to provide consumers with regular statements Not allocating payments by the PDA to the consumers account in a timeous manner Not terminating in the prescribed manner (there isn’t one in the Act) Not supplying the Debt Counsellor with requested documentation ETC.
Taking you to High Court where you can’t afford to get legal help? Another thing to consider is that your contract with the creditor might show that you have agreed to hear a matter in the Magistrates Court by agreement rather than the High Court. Be sure to check the wording of the original contract if you can get a copy. You might have to force them to do so. Talk to your attorney or Debt Counsellor about how to do so. Then show up at High Court yourself with the contract and show the Judge. Have your debt review Magistrates Court docs and your proof of payment for that account with you just in case. Ask the Court to make a 86(11) ruling to put the account back into debt review right there and then since the creditor is obviously being naughty.
LETTER FROM A READER
What is happening at absa bank? During our years in the debt counselling industry, we got used to bad behavior from our major banks. Lack of cooperation, a disregard for consumers rights, unreasonable demands and many other problems were the norm.
Credit Act, ABSA were fair and reasonable. I feel like a fool today.
ABSA dramatically changed their behavior in recent months to become the worst Bank of all. Consumers are being harassed, One bank was a little different however. summonses issued towards consumers ABSA Bank really went out of their way to with very reasonable offers in debt review, accommodate consumers under review. no participation in the debt review process, Debt counsellors were treated as partners no communication or negotiation typifies and visited at their offices by a friendly Mr. ABSA at the moment. Bonginkosi Radebe and problems ironed out while a good relationship was forged. I am personally dealing with a number The bank even created a special bank of cases where ABSA, despite offers of account for the consumer under review up to 80% of the original installments and many debt counsellors referred their and strict payments in this regard made, chooses to proceed with legal action and clients to ABSA. repossession. I personally made the statement to many consumers that ABSA Bank is the only Bank This behavior is something we are used to with a heart and that you need to be an by now, but not from ABSA. ABSA client when you run into problems. While other banks just ignore the National The good news is that we have not lost one
l obtain the of these cases thus far. We wil urt because penalizing costs orders in co We will keep they are acting in bad faith. mer’s rights on ensuring that our consu nk adheres are respected and that the Ba able and fair to the requirement of reason participation in the process. upsets our The bad news is that it ing sleep consumers. People are los bully and are because ABSA is acting like a h it. in many cases getting away wit do not care Beware consumers! ABSA s’ wellbeing. about you and your familie anged from Their slogan should be ch to “We do “Today, Tomorrow Together” not care Forever”. SA have paid One year from now, when AB ors’ money millions of Rands of their invest penalized for towards legal fees for being will have no their behavior in court, they again. This choice but to start “caring” sarily trust time however, we will not neces mer of the them. We will warn every consu ssing at the lack of integrity we are witne moment.
Hein
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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 Fincorp debt Counsellors cc Cecilia Zwarts fincorpdc@yahoo.com Holistic Debt Counsellors info@holisticdc.co.za Helpdesk Debt Counsellors Allan Hoffman Tel: 0861 000 754 Help-U-Debt (Vaal Triangle) Wanine Tel: 082 445 3967 Help-U-Debt (Potchefstroom) Madra 083 390 3275 Help-U-Debt (Parys) Marilouise 082 920 6249 Help-U-Debt (Vanderbijlpark) Herma 083 320 8303 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 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 Think Green Debt Counselling Sandi Pauw sandipauw@mweb.co.za Tel : 012 991 6638 Cell : 082 460 7800 Fax : 086 219 2615
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 U-Win Debt Counsellors Coreli Roos - NCR DC 509 Aliwal North, Burgersdorp, Bethulie, GariepDam, Smithfield, Springfontein Cell:079 626 66241 croos@global.co.za
DRS MTHATHA Herman Marais Cell: 082 378 3743 Email: herman@drssa.co.za
DRS KIRKWOOD Keith Le Roux Cell: 073 207 1675 Office: 041 451 0474 Email: keith@drssa.co.za
EASTERN CAPE:
ZunĂŠ Coetzer Debt Counsellors NCRDC 1599 24 van der Stel Street, Dan Pienaar Bloemfontein Tel: 051-4364515 Fax: 086 5870 845 Email: zunecoetzer1@gmail.com
DRS ALBANY Office: 041 373 9693 Email: dcfull@drssa.co.za
DRS PORT ELIZABETH Derryn Fish Cell: 084 515 6135 Office: 041 453 8961 Email: derryn@drssa.co.za
DRS DEBT RESTRUCTURING SERVICES 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 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 UTENHAGE Lynn Lindoor Cell: 083 7174 183 Email: Lynnl@drssa.co.za FREESTATE: DRS GOLDFIELDS (Welkom) Irvin Billy (Derryn Fish) Cell: 072 114 4427 Office: 081 319 0083 Email: Billy@drssa.co.za DRS MANGAUNG Amanda Johnson Office: 041 373 9693 Email: dcfull@drssa.co.za
ECTORY DRS FOREISTATA EXPRESS (Bloemfontein) Derryn Fish Office: 041 373 9693 Email: dcexpress@drssa.co.za DRS SOUTH FREESTATE Nelmarie De lange Cell: 079 236 3615 Office: 053 591 0734 Email: nelmarie@drssa.co.za GARDEN ROUTE: DRS 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 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 Western Cape: NCR Debt Counsellor Training: For a Cutting Edge Course with practical input contact: You & Your Money Dawn Jackson Dawnjackson.training@telkomsa. net Cell: 072 1769789 (021) 761 3287 FINANCIAL ABSA Customer Debt Repair Line 0861 005 901
Credit Ombudsman 0861 662837 Experian 011 799-3400 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 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
ECTORY LEGAL
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 Scheepers Attorneys Tel: 012 998 9117 / 012 993 2132 Gerhard Scheepers Fax: 086 721 6467 / 086 662 1153 schlaw@iburst.co.za IsEmail: it timekaren@hauptearle.co.za to expand your Debt Counselling practice? office@hauptearle.co.za Agiliti CC www.hauptearle.co.za Colleen Van Wyk(BCom, LLB) Do you need specialist Attorneys with a national Tel: 083 290 0848 footprint? LUCID Attorneys Tel: 011 740 7374 Do you need expert advice on how to protect Tel: 011 880 1100 Fax: 086 716 9694 your practice and your clients? Fax: 011 880 1101 Website: http://agiliti.co.za Are you informed about recent statutory and Email: info@lucidsa.com legal developments within the industry? www.lucidliving.co.za/attorney CREDIT BUREAUS
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Attorneys servicing individual needsCompuscan
Pretoria: +27(0)12 998 9117
www.hauptearle.co.za
0861 514 131 www.compuscan.co.za
Nelspruit: +27 (0)13 752 7084
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
Computer Profile Bureau 0861 28 7328 www.c-p-b.co.za Experian www.experian.co.za Business- 0861 63 60 70 Consumer- 0861 10 5665 Micro Lenders Credit Bureau 0861 28 7328 www.mlcb.co.za TransUnion 0861 886 466 www.transunion.co.za XDS 0860 937 000 www.xds.co.za
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