SPEND LESS EARN MORE
E XCE LL ENCE IS D OIN G ORD IN A R Y THING S
E XT R AO RD I N A RI LY W E L L
– John W. Gardner
SPEND LESS EARN MORE
SPEND LESS EARN MORE
FAST TRACK GETTING OUT OF DEBT IN 2025
The end of one year and the start of the next is often a good time to look back and review how far you have come. It also gives us a chance to look ahead and see what can be done to improve our situation.
If you are in debt review, then well done on making it through another year. Each year has its dangerous periods, like the easter holidays and the end of year pressure to blow your budget. So, if you are still on track, then well done!
It is however true, that the longer you stay in debt review the more dangerous it can become, why? Because over time, inflation is going to be going up while your salary, might not be keeping pace.
Unexpected expenses can also come along and derail the best laid plans. The solution is to think about how you can get out of debt faster. The sooner you put your debt behind you, the sooner your debt free life can start.
There are 2 things that can help you get out of debt faster in 2025: Earning More and Spending Less.
SET GOALS FOR 2025
Imagine watching a game of soccer at a large stadium full of people but with one small snag: There are no goal posts and neither team has any way of scoring.
Boring!! Pointless!!
If you are entering 2025 with only the vague goal of ‘paying your debts’ and ‘getting through each month’, then you are probably not alone.
Lots of people are just trying to keep their heads above water, and get through each month. Debt review gives you the chance to go beyond these common goals, and really focus on specific, achievable ways to get out of debt.
Need some help setting realistic goals?
Reach out to your Debt Counsellor to review your situation and get advice on areas where you can improve, debts you can focus on and ways to get the most bang for your buck?
Your Debt Counsellor can work with you to plan the months ahead. Once they review your situation, they can help you adjust your budget, find savings and build an emergency fund.
EARN MORE IN 2025
If you’re running out of money before you run out of month, you need to earn more. Easier said than done.
How can you regularly bring in some extra bucks during 2025?
Before running to your boss to ask for a raise, ask how you can add more value to your role. If you can give more value each day, then they will be happy to compensate you (even if they are tight fisted).
Rather than just ask for more money, why not ask for training to upskill you for a better paying role within the business? If you get the training but not the increase, at least you will have better skills to offer a different employer.
Another way to ‘earn more’ is to spend less on getting to and from work.
• Could you ask about remote work to reduce travel expenses?
• You could of course, earn more by starting a side gig.
• Can you offer your skills part-time to smaller businesses?
• Can you buy something and sell it to others for a small profit?
Don’t over-commit, but look for small opportunities to increase income by using your existing skills (or things you own).
SPEND LESS EARN MORE
SPEND LESS IN 2025
It might seem obvious that earning more will help you settle your debts faster, but people who earn a lot of money often have a lot of debt too. This is why spending less is a crucial part of getting out of debt.
You may feel confident that you have already cut back your expenses in the past and things are fine as they are. But are they really? Maybe you should check.
Spending a few minutes looking at your spending might reveal a way to save a few hundred bucks each month. Money that could be used to get you out of debt faster.
Food is always going to be a big expense. But the good news is that it is also an area where you can save a lot!
Have you started spending money for convenient food? Fast food maybe? Maybe a daily trip to the shop down the road for small luxuries?
Have you started shopping at the stores closest to your house, or on the way home because it saves you a few minutes or has easier parking but higher prices?
It’s time to think about the actual prices of the items in the store compared to elsewhere. Some stores are 10 – 15% cheaper for similar items. Imagine saving 10% on your food bill every month.
Can you look at options like meatless Mondays?
Have you considered low-cost ready pack value meals like FoodSocks?
SPEND LESS EARN MORE
SMALL & BIG CHANGES TO SAVE IN 2025
There are lots of ways to save once you start to think about it, they can be big or small.
• Check out loyalty and reward programs (especially free ones). If you can get something extra for nothing, then go for it.
• Shopping lists are a proven way to avoid impulse buying.
• Shopping online can help cut down on impulse shopping (but watch those delivery charges).
Sometimes you also need to think about big changes to significantly slash your expenses.
• Could you move to a significantly cheaper living space? If it is slightly less comfortable, but still safe, then you could seriously consider it.
• Could you rent out a room or take on a tenant or flat mate to reduce expenses?
• Have you got any contracts that are coming to an end in 2025? Maybe you can switch to a cheaper option, switch to pre-paid or cut out the cost entirely.
• Go over your insurance and other costs, get comparative quotes and see if there are ways to get the same services for cheaper. Often just asking for cheaper alternatives is a good way to get savings.
The point is, that if you apply your mind, you will find ways to save even when you have cut costs in the past. Do some homework and think about how you can cut costs in the months ahead.
STAY MOTIVATED IN 2025
We all know we can get bogged down by small picture stuff, just trying to make it to the weekend.
The end of the year gives us a chance to plan ahead. Try keep some of that big picture energy throughout the year next year. It will help you stay focused on getting out of debt, and not get distracted or begin to feel unmotivated.
Mark every milestone, no matter how small. Track each payment, know how many you have to go and tick each one off as you go.
Celebrate your wins. It might be as simple as increasing a debt repayment by a little this month, or it might be paying of one account sooner than expected.
Keep your eyes on the prize, getting out of debt. Imagine no longer having the stress of owing other people money. Think about your future when you can build real wealth for yourself rather than paying off debt to enrich others.
SPEND LESS EARN MORE
MAKE 2025 THE YEAR YOU WIN
Paying off debt is not easy, but it is worth it.
Remember, the longer you are paying off your debt the longer there is for something to throw a spanner in your plans. So, try get out of debt as fast as you can.
By earning more, spending less, and staying the course, you’re not just paying off debt — you’re building a better future for yourself and your family.
If you need help, remember, your Debt Counsellor is there to guide and support you every step of the way.
By spending some time thinking of ways to earn more and spend less, could result in next year being the year you turn a financial corner and start living your best life.
Plan now for a successful 2025.
FROM THE EDITOR
I would love to say that 2024 flew by in a blur but… it has been a loooong year. True, now that we are at the end of the year looking back it does seem to have gone by in a rush but there were some tough periods there for everyone. It’s been a mixed year of positives and negatives.
As a group, Debt Counsellors got to help more people this year than almost any year before. There are now about 260,000 plus people paying their debt review through the various PDAs.
People are reaching out for help despite some of the reputational challenges debt review has. That’s good.
But things have slowed down a bit near the end of the year as consumers dip into retirement funds instead of dealing with debt. Not good.
PDAs continue to deal with a weak fee structure but, they have more clients now than ever.
Hundreds of thousands of consumers in debt review are getting some of the best service ever but at the same time the NCR
has been swamped by complaints from other people saying they didn’t realise they were signing up for debt review. That’s a problem.
And the big talking point of the year has been people pushing get out of debt review scams. Consumers falling for these scams have lost millions of rand. If anyone offers you get out of debt review services please tell them to “go jump in the lake”.
And yet, there are about a million people who have a bogus legacy debt review status at credit bureaus that in no way relates to their daily present reality. Its, basically, totally incorrect (though legally true). The media have caught on and pressure is mounting on the NCR and DTI to do something about it.
On our side, we had personal losses and transport challenges for members of the team but also so many new subscribers and a really great Debt Review Awards.
So, a real mixed bag of a year.
Debtfree Magazine considers its sources reliable and verifies as much information as possible. However, reporting inaccuracies can occur, consequently readers using this information do so at their own risk. Debtfree Magazine makes content available with the understanding that the publisher is not rendering legal services or financial advice. Although persons and companies mentioned herein are believed to be reputable, neither Debtfree Magazine nor any of its employees, sales executives or contributors accept any responsibility whatsoever for their activities.
Debtfree Magazine contains material supplied to us by advertisers which does not necessarily reflect the views and opinions of the Debtfree Magazine team. No person, organization or party can copy or re-produce the content on this site and/or magazine or any part of this publication without a written consent from the editors’ panel and the author of the content, as applicable. Debtfree Magazine, authors and contributors reserve their rights with regards to copyright of their work. We are an Ai friendly publication and enjoy working with our future overlords.
CREDIT PROTECTION
CREDIT PROTECTION
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The following financial obligations or debt can be covered on the ONE Credit Protection Policy:
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For further information please speak to your Broker, Debt Counsellor or alternatively contact your regional ONE office.
• Home Loans
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0861 266 562 admin.debt@one.za.com Terms and Conditions Apply
For further information please speak to your Broker, Debt Counsellor or alternatively contact your regional ONE office.
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THE LONGEST MONTH OF THE YEAR
THE LONGEST MONTH OF THE YEAR
THE NEVER-ENDING STORY JANUARY
No matter how many days there are on the calendar, January often feels like the longest month of the year.
After the joy and indulgence of the festive season, reality hits, and suddenly bank balances are low, expenses are piling up, and payday feels like it’s a lifetime away.
This is why it is good to plan ahead for those long weeks between the December and January payday.
THE LONGEST MONTH OF THE YEAR
BACK-TO-SCHOOL BLUES
One reason January hits so hard is due to the wave of extra costs of going back-to-school.
Uniforms, shoes, and stationery lists seem to grow longer each year.
Children somehow manage to outgrow all their clothes over the holidays, leaving parents scrambling to replace items at the worst possible time.
And of course, there’s always a last-minute item — the “special” calculator or art supplies that didn’t make the initial list.
[All that extra spending can leave you feeling worse than when Atreyu lost his horse Artax in the Swamp of Sadness in the 1984 classic Never Ending Story]
THE LONGEST MONTH OF THE YEAR
DECEMBER’S OVERSPENDING
HANGOVER
For many, having a bit too much fun in December can mean blowing your budget.
Gifts, big family meals, and unexpected outings add up quickly.
Even with the best of intentions, January becomes a struggle as people deal with the fallout of overspending during the holidays.
It’s a reminder that festive fun often comes with a harsh financial backlash.
THE
LONGEST MONTH OF THE YEAR
SURVIVAL TIPS FOR JANUARY
Back-to-School Hack:
• Reuse stationery and supplies from last year. Get your kids involved by decorating notebooks or reusing old pencil cases to make them feel fresh.
• Check out 2nd hand stores or school swap groups for uniforms and shoes.
• Spread out purchases (if your school allows it). Focus on essentials first, and buy extras later in February or March.
Cut Running Costs:
• Switch off appliances and lights when not in use (even if it saves just a little, it’s a good mindset to get the family into).
• Make use of natural light and cool early mornings rather than relying on air-conditioning. Open the windows early to let in cool air then shut all the doors, windows and curtains in the day as things heat up outside.
• Feeling Hot? Head for a swim rather than run aircon. No beach nearby? Maybe a cool shower?
• Do some DIY. Fix minor leaks or drips — every drop counts when the water bills come in (even the COJ have figured this out).
Raid the Pantry:
• January is a great time to use every last item in the fridge and freezer. Empty them out by planning meals around all the toppings, packets of sauces and ingredients you have on hand. Most of that stuff has an expiry date anyway, may as well use it up now.
Free Entertainment:
• Instead of expensive outings, plan fun at home: movie nights, picnics in the garden, or board games with the family.
• Use free or low-cost community resources, like a day at the beach, parks, sports fields or libraries, to keep the kids entertained.
Shut That Purse Tight:
• If something isn’t immediately necessary in Jan, then it can wait.
• Avoid starting subscriptions or buying gadgets that could strain your budget even further.
THE LONGEST MONTH OF THE YEAR
EVENTUALLY JANU-WORRY
WILL END
January might feel endless, like waiting for a blue tick on a WhatsApp message, or sitting through the trailers at the movies — but just like those, it eventually ends.
If anything, January helps us develop some resilience and reminds us to plan smarter for the future. We won’t fall into the same traps next year, right? Right?
The good news for everyone is that time flies* and pretty soon February will come rolling around and with it that next pay check.
January can feel like the longest month of the year but it is also a great time to spend a little extra free quality time with the family, to get a good low-cost start to the year.
[*Just like how Falkor the luckdragon flies and saved Atreyu from the Swamps of Sadness in the 1984 classic Never Ending Story]
DEBT REVIEW
More Than Paying Off Your Debt
Debt review offers you more than just a chance to pay off your debts over a longer time period. It gives you more money to spend on monthly necessities and even funds to save towards possible unplanned expenses.
Debt review also offers you a chance to start over. To shift your focus from just making it through each month to making needed changes and improvements to your life.
HOW OUR UPBRINGING SHAPES OUR MONEY HABITS
SHAPING OUR MONEY HABITS
WHERE IT ALL BEGINS
Our attitudes toward money often start forming in childhood or during our teenage years.
Family dynamics, whether it’s a household that counts every penny and just scrapes by or a family that spent like there was no tomorrow and was plunged into debt, can leave lasting impressions.
These early lessons tend to follow us into adulthood, shaping how we handle debt and spending.
SHAPING OUR MONEY HABITS
LESSONS FROM CHILDHOOD
The habits we form often reflect what we saw growing up.
If money was tight, you might have learned to save every cent or fear debt. On the other hand, growing up in a household that spent freely could normalize indulgence and impulse buying.
For some, talking about money was a taboo topic entirely, leaving them unsure about budgeting or financial planning.
Sadly, for most of us our schooling might also not have helped much in regard to practical real world budgeting and financial planning.
Marius Mostert
SHAPING OUR MONEY HABITS
HABITS THAT STICK AROUND
These early lessons, that are subconsciously picked up at home, often carry over into later life. They tend to stick in the back of our mind and shape what we do.
You might find yourself saving excessively, overusing credit, or avoiding financial planning altogether.
Without realizing it, childhood experiences can lead to unbalanced money habits that make adult-ing a little more challenging.
It can even leave us under a mountain of debt with nowhere to turn to.
BREAKING THE CYCLE SHAPING OUR MONEY HABITS
The good news is that like any habit, these financial habits can be changed.
Start by identifying patterns—are your spending or saving habits tied to how you grew up? Give it some thought. Think back to any experiences you remember from your younger days that are linked with money or spending. What are they and do you think they could be shaping how you feel and think about money right now?
Those experiences are integral to who you are and they might not be totally wrong. It’s good not to overspend. It’s good to have a little fun, if finances allow. Its natural not to want to get into conflict with others by discussing sensitive topics. But all those things have a negative side as well.
Find balance by combining your early lessons with practical steps like budgeting or saving for specific goals. Learn to use money as a tool, cut back on spending when money is tight and to be more open about your financial situation with others so they can contribute to your financial success.
And rather than hand down any bad habits to the next generation, use your experiences to teach your kids, nephews and nieces healthier money habits, too.
SHAPING OUR MONEY HABITS
LOOKING BACK TO MOVE FORWARD
Reflecting on your financial upbringing is the first step toward making better choices for yourself today.
Whether it’s breaking the habit of hiding receipts from your partner or not asking for help when things get out of control, understanding your past can help you find a healthier balance today.
Learn from the past but don’t let it dictate your financial future.
Sadly, for most of us our schooling might also not have helped much in regard to practical real world budgeting and financial planning.
DEBT REVIEW
More Than Paying Off Your Debt
Debt review offers you more than just a chance to pay off your debts over a longer time period. It gives you peace of mind because you have made a plan to deal with your debt. Not having a plan can cause us stress because we know we should be doing something but not what to do. It gives peace of mind because credit providers call off their collections agents since you now have a great payment arrangement in place. This means you can even answer calls from unknown numbers.
PAYMENT DISTRIBUTION AGENCY
DC Partner PDA is operational for more than 15 years as a NCR registered payment distribution agency. Our exceptional customer service, together with our commitment to compliance ensures customer satisfaction.
DC Partner PDA is trusted by debt counsellors for secure and reliable debt review collections & distributions.
DC PARTNER PDA UPDATE THEIR LOOK
Payment Distribution Agent DC Partner have updated their corporate branding.
There are 4 NCR recognised payment distribution agents in South Africa. One of them, DC Partner PDA is based in George and operates countrywide.
The PDA have been around for many years and are a popular choice for many in the debt review process. DC Partner PDA have recently updated their corporate branding.
The new look and feel is up to date, clean and yet still familiar.
OLD LOGO
NEW LOGO
If you are a consumer or Debt Counsellor who makes use of DC Partner then be sure to keep an eye out for their new branding on any correspondence.
If you are a consumer client of theirs and see this new branding then you do not need to worry that you are being contacted by someone else. In fact, if you do now receive any correspondence with the old look logo only then should you be concerned.
So, keep an eye out for their new look and visit their website to see more including to log into the Finwise system.
Remember: PDAS do not change their bank details. If anyone askes you to make a payment into a new bank account for any reason then you should contact both your PDA directly and your Debt Counsellor themselves (not a staff member) to check all the facts.
In the past, some scammers have tricked people into paying money into their personal bank accounts. Please be careful.
BYE BYE TRANSACTION CAPITAL
HELLO NUTUN
Transaction Capital has called 2024 a “watershed year” as it undergoes a complete transformation.
By the end of this transformation, the company will no longer exist in its current form, making way for Nutun (known as a global business process outsourcing (BPO) specialist) which will remain listed on the JSE.
This brand and operation shift follows some rather big moves like unbundling and separately listing WeBuyCars, selling its controlling stake in Mobalyz, and shedding non-core operations to focus on a leaner, more strategic business model.
The company’s transformation hasn’t come without challenges. Transaction Capital expects a loss from ongoing operations of maybe R222 million for the year. When factoring in discontinued operations, total losses could actually surpass R1 billion (which they have had to find elsewhere).
Nutun also faced setbacks, including funding pressures and tough market conditions, especially as South African consumers faced growing financial strain. Internationally, Nutun had to shift its client base, which added costs before revenue growth could catch up.
Despite the tough year, there’s optimism for Nutun’s future. The sale of Nutun Australia and Nutun Transact brought in nearly R1 billion, shoring up the company’s balance sheet.
Leadership changes, including new appointments to guide Nutun’s local and international operations, are expected to position the business for future growth.
While the benefits of these changes weren’t reflected in the 2024 results, the company’s management is confident that Nutun is on track to becoming a leading global BPO player.
BREAKING NEWS
NCT END OF YEAR SHUT DOWN DATES
Debt Counsellors should take note that the National Consumer Tribunal will close its offices on 24 December 2024 and reopen on 2 January 2025. So, if you wish to file any matters with the NCT, you must do so by 16h00 on 24 December 2024.
The NCT say that for any emergencies during the shutdown period people can contact the following persons:
• For emergencies relating to the filing of matters, please contact the Registrar: Prenesen Moodley, on 074 602 3470.
• For facility-related emergencies, please contact: Nerina Ramsammy on 082 867 1756.
Due to the electronic system the NCT has, it will be possible to submit applications during the end of year shut down but these will only be attended to when the NCT reopens on 02 January 2025.
UNETHICAL DEBT COUNSELLORS RUNNING EXHORTATION RACKETS?
A recent media piece has shone the light on some unethical practices which good Debt Counsellors are concerned are becoming more common.
The News24 article by Maya Fisher French laid a lot of the issues at the doors of the DTI, NCR and wording of the NCA.
She named and shamed some NCR registrants who she pointed to as registering consumers for debt review too swiftly or without full disclosure. She even pointed out that there may be collusion between different parties in quickly putting people into debt review only to later charge them to get out of debt review.
Members of DCASA and the National Debt Counsellors Association were quoted with suggestions on how these issues could be avoided including the addition of a cooling off period, better training and pre qualifying potential clients.
DEBT REVIEW
WHY BUDGETING MATTERS
Looking at your finances each start of the month and then making a plan for how you are going to spend your money is boring and time consuming.
But thinking about your past, not budgeting may actually be one of the reasons why your finances got out of control. Instead of budgeting and planning ahead you only ever ended up looking back when you got bank statements showing all your purchases during the month.
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Why Partner With Us?
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•Claiming process easy and effortless and facilitated by DCCP
•New loans can be included under this policy
“Rich people buy time. Poor people buy stuff. Ambitious people buy skills. Lazy people buy distractions.”
~ Alex Hormozi
More Industry News Than Ever...
If you work in the debt review industry you may be hungry for news about finances, the local debt review industry and the DTI, NCR, CIF and NCT.
Why not sign up for the Debtfree Industry Newsletter?
One email a month with the latest financial local and international news about all the things that may impact on how you do debt review.
The Value of Time:
Making 2025 Your Most Impactful Year
As we enter 2025, one truth stands out—time is your most precious resource. In a fast-paced industry, how you choose to invest your time shapes not only the success of your practice but also the financial futures of your consumers.
Every conversation, every decision, every moment you dedicate to your consumers moves them closer to financial freedom. But time is fleeting, and its effective use requires intentionality.
The new year is the perfect moment to pause and evaluate. Are you focusing on what matters most—building meaningful relationships, guiding consumers toward sustainable financial decisions, and
creating strategies that drive long-term success? By refining your approach, you can transform 2025 into a year of unparalleled impact.
At iPDA, we understand the demands Debt Counselors face and are committed to helping you make the most of your time. Our solutions streamline payment distribution and automate critical processes, allowing you to focus on the work that truly makes a difference.
By partnering with iPDA, you can minimize time spent on administrative tasks and maximize your ability to guide consumers toward their goals. Together, we can ensure that every moment counts as we accelerate the journey to financial freedom for your clients.
Enjoy the end of year break and see you in 2025 Remember to keep an eye on our facebook page
facebook.com/groups/allprodc
www.allprodc.org
www.dcasa.co.za/faq/faq-2/news/ www.dcasa.co.za
Finwise is an all-inclusive Software System, designed for debt counsellors for professional and efficient Debt Management.
Finwise is a cloud-based system, and can be used on any mobile device, PC, or tablet with internet connectivity. The exceptional workflow and innovative task manager tools saves the user valuable time, through multiple consumer data reporting and easy management. Several integrations such as Legasys, iDOCS, Drex, facilitate effortless administering, and handling of multiple transactions and tasks within one system.
STEP-BY-STEP DREX GUIDE
DREX simplifies the exchange of data and makes managing the debt review process less admin intensive.
The below links take you to step-by-step guides on how to use the DC Portal on DREX.
How to Register on the DC Portal
Introduction to the DC Portal
Accessing a Consumer's Profile
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South Africa’s Leading Debt Counsellors
NCRDC533
14th Floor, The Pinnacle
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Tel: 086 111 6197
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NCRDC49
LEGAL
Liddles & Associates
“If you do what you’ve always done, you’ll get what you’ve always gotten.” - Tony Robbins
(T) +27 87 138 3275 (E) quintin@liddlesinc.com
www.liddlesinc.com
Steyn Coetzee Attorneys / Prokureurs
Adri de Bruyn 11 Market Street / Markstraat 11, Paarl, 7646
Tel: 021 872 1968
Fax: 021 872 2678 adri@steyncoetzee.co.za
RM Brown and Associates 16th Floor, The Pinnacle Cnr Strand & Burg St Cape Town
Tel: 021 202 1111, f: 021 425 0875
Email: roger@rmbrown.co.za
Effective Intelligence sardagh@e-intelligence.com
Fides Cloud Technologies craig@fidescloud.co.za
Finch Technologies chris@finchinvestments.co.za
I-Bureau Services abrie@ibureau.services
IDR South Africa shane@v-report.co.za
iFacts sonya@ifacts.co.za
Inoxico support@inoxico.com
Kudough Credit Solutions chrisjvr@kudough.co.za
Lexisnexis Risk Management kim.bastick@lexisnexis.co.za
Lightstone chrisb@lightstone.co.za
Loyal1 tshepiso@loyal1.co.za
Managed Integrity Evaluation
marelizeu@mie.co.za
Maris IT Development marius@marisit.co.za
National Validation Services info@nvs-sa.co.za
Octagon Business Solutions gregb@octogon.co.za
Omnisol Information Technology info@verifyid.co.za
Payprop Capital johette.smuts@payprop.co.za
PBSA seanb@PBSA.CO.ZA
Right Cover Online cto@rightcover.co.za
Searchworks 360 skumandan@searchworks360. co.za
Smart Information Bureau info@smartbureau.net
ThisisMe juan@thisisme.com
TPN Group michelle@tpn.co.za
Trans Africa Credit Bureau
clintonc@transafricacb.co.za
Transaction Capital Credit Health
DavidD1@tcriskservices.co.za
VeriCred Credit Bureau sumein@vccb.co.za
WeconnectU
johann@weconnectu.co.za
Zoia Consulting sipho@dots.africa
C O N T A C T D E T A I L S DEBT REVIEW NIMBLE GROUP
Dear Debt Counsellors,
This letter serves to communicate to the Credit industry to use the following contact details for the Nimble Group when processing Debt Review related applications, enquiries, queries and, complaints escalation process.
Kindly take note Nimble Group hereby consents to service all legal documents applicable to Debt review herein by way of email.
Email & Task Type
Forms 17 1 and 17 7
Forms 17 2, Proposal Summaries, Cascade plans & Court orders
Forms 17.2 Rejection, 17.W & Form 19
Forms 17 3, General queries, settlements, balance, refunds, statements, Paid up letter request & reckless lending allegations, payment allocation queries & Complaints
Contact Details
drcob@nimblegroup co za
drproposal@nimblegroup co za
drtermintation@nimblegroup.co.za
drqueries@nimblegroup co za
DEBT REVIEW INBOUND CONTACT NUMBERS:
+27 87 250 5533
+27 21 8300 711
DEBT REVIEW ENQUIRIES ESCALATION MANAGEMENT ORDER CONTACT DETAILS
Kindly note that escalations must only be done once you have sent your request to the above-mentioned contact email addresses and if your requests are out of SLA in lieu Debt Review forms response business days stipulated in the NCR Act
Kind Regards,
Denvor Rank
Operations Manager: Process Recoveries
1st line escalation
Aletta Tokollo Molelekeng
Debt Review: Team Manager
D: +27 11 285 7247
E: AlettaM@normanbissett co za
2nd line escalation
Denvor Rank
Operations Manager: Process Recoveries
O: +27 21 830 0750 (Ext 6062)
E: denvorr@nimblegroup co za
3rd Line escalation
Zivia Koff
Specialised Process Manager
D: +27 21 492 4554
E: ziviak@nimblegroup co za
We trust this communication finds you well and that it will improve our service to you
It is of utmost importance that debt review documentation is sent to the correct email address to ensure timeous feedback and action.
CAPITEC BANK CONTACT DETAILS
Further to the above, please ensure that only the channel email address applicable to the documents being submitted is used. Sending emails to multiple email addresses will result in a delay or even no feedback or action.
CAPITEC BANK ESCALATION CHANNELS
1 Jolene Pieters Team Leader: Debt Review (Court Orders/Forms/Inclusions) JolenePieters@capitecbank.co.za 2 Cindy Mauritz Manager: Debt Review CindyMauritz@capitecbank.co.za
3 Carolina Visser Manager: Process Recoveries CarolinaVisser@capitecbank.co.za Proposals
1 Meghan Bruiners Team Leader: (Proposals) MeghanBruiners@capitecbank.co.za
2 Cindy Mauritz Manager: Debt Review CindyMauritz@capitecbank.co.za
3 Carolina Visser Manager: Process Recoveries CarolinaVisser@capitecbank.co.za General Enquiries, Refund/cancellation requests , Termination queries, Updated COB’s, Payment queries
1 Nathan Slaverse Team Leader: Enquires Nathanslaverse@capitecbank.co.za 2 Carolina Visser Manager: Process Recoveries CarolinaVisser@capitecbank.co.za
1 Mfundo Xaba Officer: Market Conduct Oversight MfundoXaba@capitecbank.co.za
2 Dries Olivier Manager: Market Conduct and Oversight DriesOlivier@capitecbank.co.za
Reckless Lending Queries
1 Whitney Jardine Team Leader: Recoveries Risk Support WhitneyJardine@capitecbank.co.za
2 Zayaan Jurgens Manager: Recoveries Risk Support ZayaanJurgens@capitecbank.co.za
Credit insurance claims
1 Grant Griffith Jessica Rademeyer Kanyisa Mbiza Team Leader: Insurance Claims GrantGriffiths@capitecbank.co.za JessicaRademeyer@capitecbank.co.za KanyisaMbiza@capitecbank.co.za
2 Brigitte October Performance ManagerInsurance Claims BrigitteOctober@capitecbank.co.za
Telephonic queries lodged
1 Laetitia Pretorius Team Leader: CCS Queries LaetitiaPretorius@capitecbank.co.za
2 Tracey Govender Manager: Recoveries Administration TraceyGovender@capitecbank.co.za
Sincerely,
17.1, 17.2, Proposals, General correspondence: debtcounselling@africanbank.co.za
To register for Legal Web Access: lwac@africanbank.co.za
Reckless Lending investigations: RLA@africanbank.co.za
DETAILS COMING SOON For more
ESCALATION PROCESS
DC QUERY PROCESS
NEDBANK DRRS
Debt Counselling Query Resolution Contact Points and Escalation Process
Email submissions (Level1)
Email: DebtCounsellingQueries@nedbank.co.za
To be used as a first point of contact for all written communication
Call centre (Level 1: Alternative) Tel: 0860 109 279
To be used as a first point of contact for all telephonic communication
Attended to by Queries Specialist (Level 2: First Escalation) dcescalation1@nedbank.co.za
To be used only where no resolution is found from first point of contact after 5 business days
Attended to by Team Leader and Queries Specialist (Level 3: Second Escalation) dcescalation2@nedbank.co.za
To be used only where no resolution is found from the first escalation after 5 Business days
Attended to by Support and Escalation Manager (Level 4: Final escalation) nbdcescalations@nedbank.co.za
To be used only where no resolution is found from the second escalation after 5 Business days
proposals@consumerfriend.co.za