Debtfree Magazine March 2018

South Africa’s debt counselling magazine

LEAVING

DEBT

REVIEW TO GET A

LOAN March 2018 www.debtfreedigi.co.za

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A positive attitude can really help when times are tough. A positive attitude can make you focus on the good in your life (or a situation) and minimize the negative. Although the facts don’t change, the way we perceive and experience them leaves us feeling optimistic.

Rand has been doing well against other currencies.

That is not to say that the VAT hike and increase in fuel costs are not going to put a serious damper on everyone’s enjoyment in the next few weeks and months but most South Africans have been swept up by a background sense of ‘change is possible’, ‘Things can improve’, and that is reflecting in a number of A big benefit to entering debt review, positive ways across the country. is when the “collections calls” stop and finally you have a game plan That doesn’t mean that things are for how to settle your debts. This not still complicated. Another bank leaves you feeling a lot more positive is in trouble and this just goes to and that attitude spins off into other show that mistakes can lead to parts of your life, like your marriage disaster in an industry where Billions and work. You just feel better, more and Trillions of Rand are involved.

Legislative and political changes confident. can quickly shift the playing field Consumer confidence is on the rise and it can be hard to keep up. as the honeymoon glow of political leadership change and reorganizing continues. Stories about the Guptas are now met with smiles rather than frowns. It seems that even the ratings agencies are impressed and the

When the NCR recently issued new guidelines on the fees they think should be charged for Debt Review, it was exciting to most Debt Counsellors. They too felt excited

and optimistic. But change is hard and as the fee change looms we ask some of the questions that many have been trying to wrap their heads around.

We also consider one of the many reasons why consumers may decide to leave debt review and how it can hurt them. If you have been thinking about dropping out of the process, then be sure to think long and hard and educate yourself on the consequences before making a decision.

Easter time sees many consumers drop out of debt review due to bad decisions. Please be careful that you don’t end up making a big mistake, it could have horrible financial ramifications. Be sure to make your regular debt review repayment, as you look ahead to the future with the confidence that soon, not long from now, you will make your very last repayment, and finally be debt free.Perhaps even being debt free.

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C O N T E N T S

LEAVING DEBT REVIEW TO GET A LOAN

LEAVING DEBT REVIEW TO GET A LOAN It is not uncommon for Debt Counsellors to be asked by consumers how they can leave debt review. There is nothing wrong with the idea, since it is the goal of every Debt Counsellor to get all their clients out of the process and back on their feet financially. It is however a danger when consumers want to leave debt review for the wrong reasons, and at the wrong time.

One of the most common “wrong� reasons a consumer may want to leave the process prematurely is when they suddenly want to get access to credit again. They seem to forget, that it was often the misuse of credit that got them into a financial mess in the first place.

For one reason or another, a consumer might want access to a loan to pay for something. They may have been called by someone offering a loan or received an sms or email offering a loan. When they then respond they are told that because of their debt review status, which shows on their credit bureau report, they cannot get the loan but if they leave debt review, then they can apply.

Since you are being offered credit again, should you consider leaving debt review? Why might it be a bad idea to leave debt review if credit providers are offering you credit?

LEAVING DEBT REVIEW TO GET A LOAN

IMPULSIVE Debt Review is a long process. Most plans take between 3 to 6 years before the consumer is back on their feet financially.

Paying debt down over time can be a slow and boring process. Gaining access to credit again however is an exciting prospect. In the mind of the consumer it means life can go back to the good times of spending more than you earn. The bad memories of all the stress and collections calls and sleepless nights are downplayed. The request to leave debt review is often not thought through and is more impulsive than educated or considered.

LEAVING DEBT REVIEW TO GET A LOAN

GULLIBLE Just because someone sends you (and a few hundred thousand other people) an sms or gives you a call from a call centre, does not mean that you have been specially chosen based on your current financial situation.

There is absolutely no guarantee that you will actually qualify for the credit you have been offered. Sales agents will try to motivate you to take on credit since they earn commission on sales.

They may not know anything much about debt review or the danger that they might be putting you in by suggesting that if you left debt review you could apply. You may stop paying for your debt review and then not get the loan anyway.

LEAVING DEBT REVIEW TO GET A LOAN

QUALIFYING FOR NEW CREDIT A consumer is only allowed to get credit if they can afford to pay all their usual monthly expenses and all their other normal debt obligations and still have money left over at the end of the month.

If you cannot repay all your original debt repayment amounts (not the adjusted debt review ones) and have some money left over for the new credit then you will not qualify for a new loan.

If you could cover your costs and your original debt repayments then you wouldn’t be in debt review in the first place.

LEAVING DEBT REVIEW TO GET A LOAN

GREED Using money you don’t have to pay for things is often based on greed. The desire for something not earned.

Often consumers want to apply for credit to buy things that in truth, are not vital. They just want to go back to the ‘good old days’ of over-spending.

In other cases, there is a genuine need, like a sudden medical emergency.

Here too, wrong thinking can cause problems and greed can rear its ugly head. Rather than sell things they already have, or give up certain things they usually have each month (or for a few months) consumers fall back into the bad habit of trying to get money they don’t have from a credit provider.

LEAVING DEBT REVIEW TO GET A LOAN

NOT STICKING TO YOUR BUDGET Most Debt Counsellors will work into a consumer’s budget, funds which need to be set aside each month towards annual expenses (like school fees and car services etc).

When consumers stick to the budget these funds build up over time and can provide a cushion in the face of a sudden emergency. Those costs will still need to be dealt with in the future, but it helps alleviate sudden crisis.

Many consumers however, foolishly spend every available cent every month, and forget to save towards these costs. This causes them trouble down the line and they may think that a new loan is the only way to cover such costs.

LEAVING DEBT REVIEW TO GET A LOAN

LACK OF UNDERSTANDING Debt review is an involved legal process governed by the law and the courts. It is not a casual commitment, but an involved process with far reaching financial ramifications.

Many think leaving debt review can be done swiftly. This is not true. It is an involved process which needs to be done carefully so that their financial future is not jeopardized.

Those who just stop paying thinking this will make the debt review go away, do not realize that they could end up in debt review, but without the services of a debt counsellor, making it harder than ever to leave the process properly one day.

LEAVING DEBT REVIEW TO GET A LOAN

DANGEROUS Leaving debt review (sometimes consumers just stop paying thinking that is the easiest way) allows credit providers to start new legal collections processes and revert to their original agreements.

This means that the amount you owe will not be the same as what was showing while you were under debt review but rather much, much more.

The credit providers will hand matters over to debt collectors who will demand large amounts paid suddenly to prevent legal action.

When this happens getting a small loan will be the last thing on your mind and you may end up losing your assets and being totally stressed.

LEAVING DEBT REVIEW TO GET A LOAN

DIG DIG DIG Often debt is described as a hole that you have dug for yourself. More credit is like digging deeper. Each time you take on more credit the hole gets deeper!

Everyone knows you cannot dig your way out of a hole, you need to climb.

You need to make your way back to level ground. Don’t let someone try sell you on the idea that suddenly you qualify for more credit while you are already struggling to make your monthly debt review repayment.

If you are struggling, then why not make an appointment with your debt counsellor and discuss your monthly budgeting with them again? Budgeting is something many people struggle with and something that may need to be adjusted as time goes by.

Get the expert help that you pay aftercare fees for each month. Your Debt Counsellor may have some good insights or hard truths for you to consider.

KIM ARMFIELD

AND ASSOCIATES

DEBT REVIEW | CREDIT LAW | LITIGATION CONTRACTS | FAMILY LAW | WILLS & ESTATES Tel: 021 949 1758 | 084 702 3760 info@legalwc.co.za | w w w.capeat torney.co.za

LEAVING DEBT REVIEW TO GET A LOAN

If you are lured into trying to leave debt review midway through the process it can really wreck your financial future, and only you will be to blame for ruining your chances of being totally debt free.

Debt review should not just be about getting out of debt so you can go back to old habits. It should be about starting the process of making wealth.

Sticking to your budget throughout the process and learning that not everything can be solved overnight by taking on more credit is an important part of debt review. Not rushing impulsively into bad, uneducated decisions without consulting with your Counsellor is a sure way to throw your life back into chaos.

Be very careful of trying to leave debt review just because it seems the fastest and easiest course. It may seem that way but you could end up even worse off than before you began your debt review all because of wanting credit that you can’t actually get anyway.

It is best to make full use of your debt review, not only to save money on all those fees and interest concessions from your friendly credit providers but also to adjust your lifestyle and way of thinking about money. Debt review will really help you if you work with your Debt Counsellor and pay off your debts so that you can leave debt review when the time is right.

NEWS NEW BANKS COMING SOON 2018 is going to be the year of new banks. Several new provisional licenses have been awarded recently and new banks like Tyme Digital, Discovery Bank and Bank Zero are set to enter the market shortly. The Post Bank (post office bank) will finally also be operating under license.

MOODY’S CHANGE R ATING OUTLOOK The last few years have seen SA’s investment and debt ratings drop lower and lower as companies like Fitch and S&P and Moody’s have started to warn people off investing in SA. Of all the agencies Moody’s has been the most optimistic but even they had said SA looks set for outright “junk” status this year. That was before a bunch of political leadership changes, a more realistic budget and changes to things like VAT and a lot of government housekeeping. As a result in their March announcement Moody’s have said they are keeping SA rated as just above junk and they think that will now hold for a while. Saying the Baa3 rating outlook is now stable rather than negative.

VBS MUTUAL UNDER CUR ATORSHIP

COURT SAYS DTI & NCR REQUIREMENTS ARE TOO HIGH

VBS Mutual Bank got a lot of attention when they loaned the former President a lot of money to pay for Nkandla (some say more than he could afford to repay). VBS is in trouble for breaking the law and taking deposits from various municipalities. Now the money needs to go back and that potentially means the bank is cash strapped. As a result the management are all in trouble and the board have been replaced with a curator by SARB. Things may now go one of two ways. The banks days could be numbered or things might get turned around for the best under the temporary leadership of the curator. Either way a bunch of management folk are all in serious trouble.

When applying for credit the amended NCA and regulations require that people provide salary slips to show what they earn. This helps protect credit providers from offering reckless credit. Some consumers however do not have salary slips. This lead Mr Price, Truworths and Foschini into taking the matter to the Western Cape High Court.

The court ruled in favour of the Credit Providers saying that it was unreasonable and impractical to keep some people from getting access to credit simply because they did not have a bank account or salary slips. The DTI & NCR are now looking into appealing the ruling as it says nothing about consumers who do have these.

CONSUMER RIGHTS AWARENESS MONTH Were you aware that March is Consumer rights Awareness Month? If not, it seems the campaign failed. If so maybe you were one of the many consumers who interacted with organizations like the Consumer Financial Education Foundation (CONFEF) who were out during March promoting consumer rights.

Back in 1962 US President JFK sent a message to the US congress about consumer rights and so the 15th of March became World Consumer Rights Day. If you didn’t know before, you do now and you have rights under the Consumer Protection Act and National Credit Act. Insist on them.

AMENDING THE NCA Hearings into the constitutionality of amending the National Credit Act to include a plan for Debt Intervention were held during March. The hearings, held at Parliament in Cape Town, allowed various parties to weigh in on proposed (and slightly adjusted) plans to change the NCA. Plans were mentioned for the National Credit Regulator to take on the role of facilitating the debt intervention plan along with the National Consumer Tribunal.

In other news the NCR seem to have said they do not have capacity to handle reckless credit complaints and they would prefer it if the matters are simply sent to court.

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VAT Everyone got something of a nasty surprise when government announced that VAT was increasing for the first time in 25 years.

The increase of 1% up from 14% up to 15% starts in April 2018 and will affect debt review as well.

It may be necessary for you to adjust your payment slightly to offset the increase. If you make use of service providers who charge VAT (such as your bank or a PDA and your Debt Counsellor) then this can slightly reduce the amount of money that will go to your credit providers.

The change is not going to immediately make a huge difference since we are only talking about 1% on a few fees and charges but over time they may begin to add up.

Eg. If a consumer has many Credit Providers involved in their debt review and keeps paying as they are now then you could have situations where fees on the consumers bank EFT increase; the Debt Counsellor’s aftercare fee increases; the PDA or payment gateways fee increases.

Even if this results in only R5 less to each credit provider it begins to add up to R60 a year. By the 2nd year that’s an amount of R120 the consumer is behind on the planned payments and the credit provider may then object since the amount falls out of their “allowance range” for discrepancies.

Because credit providers add interest on accounts throughout the year it

15%

also means that if the plan is new then after several years the calculations of how much is still outstanding will look very different to the plan in the court documents.

We are admittedly talking about small amounts that are not going to cause immediate issues and the industry will no doubt make adjustments to cope as time goes by but it is good to keep it in mind.

DON’T PANIC but keep it in mind

*Please note we are simplifying the entire thing for the sake of brevity and clarity.

THE TIMING OF THE NEW FEES As of April 1st 2018, a new fee structure will be adopted by many Debt Counsellors. This is because the NCR has made a new suggestion* on what they feel should be charged for debt counselling.

Though the fees have not changed dramatically, there have been some changes not only to the amounts which can be charged (for example, a new R300 fee for admin work) but also when these amounts should be charged.

To date, fees were simply taken at the end of the first and second months and then a small monthly aftercare fee along the way until the debt restructuring ends.

“

The new Debt Counselling fees allows for aftercare fees to remain at 5% throughout the process

�

THE TIMING OF THE NEW FEES

WHEN CAN FEES BE CHARGED? In an effort to get Debt Counsellors to be quick about offering consumers services, the NCR have changed when they suggest fees are taken.

They have said that most fees can only be taken ‘after’ a set list of actions take place. Let’s look at some of the new changes and why they might be a bit confusing and even difficult to implement.

THE TIMING OF THE NEW FEES

APPLICATION FEES Though many Debt Counsellors have in the past decided just not to charge this fee, the timing here remains the same.

Even though the NCR has made many Debt Counsellors sign T&C that they won’t take money directly from the consumer, the Act and the new fee guideline says this fee is payable upfront.

No change.

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THE TIMING OF THE NEW FEES

ADMINISTR ATION FEE (NEW FEE) The NCR are happy for a Debt Counsellor to be assisted by people who perform administrative tasks and have now added an administration fee to their guideline.

Once again the timing of this payment is upfront. Most Debt Counsellors have found that consumers do not have funds available or do not yet trust them enough to part with money up front. Will there be problems if these fees are added later down the line?

THE TIMING OF THE NEW FEES

DETERMINATION FEE Applying for debt counselling does not mean you will actually qualify. First a review of your debt needs to be done, and then if you qualify, proposals might be sent to credit providers and documents drafted for the courts or National Consumer Tribunal (NCT).

The NCR guideline now says that a Debt Counsellor can only charge fees in the first month (over and above the R350) if they have submitted proposals to credit providers. If they do not (and they have a long time in which to do so) then the consumer would pay no fees at the end of the first month and credit providers may not get any payments either.

The idea here is to try drive Debt Counsellors to submit proposals to credit providers swiftly in order to receive this fee. The snag is, that there is now a lot of work and waiting that needs to happen before a Debt Counsellor can send out proposals.

One of the longest delays will relate to waiting on credit providers to send accurate information on how much is owed. If they delay too long, then the Debt Counsellor can just use info from the consumer (and credit provider) but these will probably have to be reworked later then.

Some credit providers are faster than others, but proposals are basically sent when the last of the information comes in to be as accurate as possible.

This means that even if some are fast, the timing on when this fee could be charged is based on the slowest responders or 2 weeks having lapsed, whichever comes first.

Another anticipated delay will relate to reckless lending investigations.

Since the proposals fee and reckless lending fee are suggested for different months, it seems to indicate that the proposals can be made without yet knowing if something is reckless or not.

We appear in the following courts and act as a correspondent for Dc’s and their attorneys.

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+27 (21) 200 5644 adri@kempdubruyn.co.za 21 Station Street, Paarl, 7646

THE TIMING OF THE NEW FEES

RECKLESS LENDING (NEW FEE) It is expected that most Debt Counsellors will now begin charging this new fee simply because they can. The amount is not dependant on the Debt Counsellor finding anything bad. Just dependent on them investigating and submitting an affidavit.

Currently, there is no set of rules on how such an investigation needs to be conducted and each Counsellor can have their own process, the results (or lack thereof) of which is then shared with the court. This is similar to how, in the past, credit providers could make up their own minds about how to do an affordability assessment. The fee is suggested to be taken in month two.

If a thorough investigation is done, the original signed and initialed contract documents for each account will be needed. Credit Providers often find this difficult to supply (because they have disappeared, show some mistake on the part of the credit provider or in storage somewhere).

This results in long delays in obtaining this information. Many Debt Counsellors in the past have even had to go to court to try compel this information to be supplied.

One snag here is that the affidavit of the outcome needs to be submitted to an attorney. If no attorney is used, can the amount be charged? The guideline does not say the attorney needs to be involved in the debt review matter (but it is implied by the context).

If a consumer ends up paying less than the full R1500 towards their debt each month, then would this amount be recovered over several months?

Could the Debt Counsellor get into trouble for charging this deferred amount later?

5%

THE TIMING OF THE NEW FEES

AFTER CARE FEES

After Care fees are now payable only from the 3rd month of the process (‘after Month 2’) as opposed to the second month, as most currently charge, and can only be charged if aftercare services are rendered.

THE TIMING OF THE NEW FEES

NCT SUBMISSION FEE Some matters can be sent to the National Consumer Tribunal and when that is the case, a reduced fee of R500 applies (which now specifically does not include the application fee – which is for the consumer’s bill according to the NCT but has to be paid via the DC).

This fee is also due in month 2.

It appears as if the NCR are trying to separate Attorneys fees and NCT fees (where an attorney can represent a consumer if they wish). Under the Attorney’s fees section it mentions if there are no objections then perhaps those fees would not be charged (unless the matter goes to court).

It might be good that this fee can only be charged in month 2 since it normally takes a long time to get everyone to agree to a consensual repayment plan for consumers who qualify to use the NCT. It seems that the NCR are trying to reduce the incentive for Debt Counsellors to get everyone to agree to a plan and this may drive a massive increase in court matters providing the NCT with less work.

STUCK

U S I N G

ANCIENT

T E C H N O L O GY ?

Contact Maximus on 011 451 0041 | www.dcmax.co.za

THE TIMING OF THE NEW FEES

ATTORNEY FEE There is an interesting twist that the guideline specifically states that this fee is paid to the Attorney (no mention of the Debt Counsellor or their firm).

The NCR have mentioned that they cannot tell attorneys what to charge but they would still like to see them charge something similar to what the individual pays towards their debt each month. Meaning that legal fees would quickly be paid in a single month. For smaller repayments this is unlikely since the workload remains similar, no matter how many accounts are involved. As is currently the case, the amount may take time to pay off.

One of the most difficult changes is also introduced. The NCR now only want consumers to pay Attorneys ‘after’ the Attorneys have drafted court documents and gone to court. At present, legal fees are taken in the second month. This now changes.

The problem is that some courts take longer than others. One court in the Western Cape was famous for always moving these court cases to the end of the court roll. Another court in the Eastern Cape supposedly limits the number of debt review cases it hears each week to 3 matters (out of possibly hundreds). Attorneys are not famous for taking payments after their cases (since they might lose and their clients may not want to pay).

Since no specific month is given for these fees, it will be hard for Debt Counsellors to work these into the repayment proposal upfront. Would a credit provider mind if after 6 months suddenly no payments are received because the court work finally happened (or the attorney went to court for the first time on the matter)? Will they mind if it interrupts or reduces payments over 2 or more months? Probably.

Since the PDAs can’t hold fees for consumers (they have to pay within a certain amount of time from getting the payment from the consumer) it might now be necessary for the consumer to hold onto these fees (and not spend them), that seems like a risky idea!

Jothie Bechoo ATTORNEYS & DEBT COUNSELLOR

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We avoid unnecessary adjournments

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Our fees are reasonable We have six years’ experience in Debt Review applications We assist clients in Rescission of Debt Review orders & administration orders

Suite 7 Gladstone Court 103 Smiso Nkwanyana [Goble] Road Morningside Durban Tel: 031 303 1004 Mobile: 076 835 2810 Email: jbechoo@jb-attorneys.co.za Also specializes in: Deceased Estates, Wills, Divorces, Ante Nuptial Contracts, Correspondent Attorney, Rescissions

Each year the Debt Review industry engage in a industry wide peer review of those they work with regularly. The results are audited and compiled and announced on the evening of the Debt Review Awards Gala.

This year the Gala is happening in Cape Town on the 2nd of June.

During the Peer Review, participants are asked to sign up to be eligible for an award. Those who do not sign up may be evaluated but would not be in line for an award (even if they received the highest ratings). The NCR database of registrants is used as the original source of possible candidates.

The Peer Review is conducted online via survey software and all industry role players who are registered with the NCR can participate. There are thousands of NCR registrants both credit providers and Debt Counsellors (as well as 3 PDAs). Registrants are invited to participate via industry associations, the Debtfree

Magazine, Industry Forums and online groups, as well as, via emails both from the organizers and PDAs. Each participant is asked to evaluate some of their peers on the other side of the industry (eg. Banks would review Debt Counsellors not other banks).

Because there are such a large number of registrants, the workload in the early stages of the process can be shared among the crowd. As the process progresses, some companies and individuals begin to get more ‘points’ in the review than others by getting rated higher than others in their category. These are then moved into a higher tier to be considered by participants again. This process is repeated as needed until a clear group of top 10 possible winners in each category are identified. Some groups have a smaller pool of candidates. For example, there are less than 30 banks in SA or only a few organizations who offer vehicle finance. This speeds the process in these categories.

Ultimately, participants from the other side of the industry get to evaluate the top 10 candidates and a top 5 and ultimate winner are identified based on their ratings averaged across the participants. The results are then announced at the Awards gala in the various categories.

Winner Top 5 Scoring Companies Top 10 Scoring possible candidates Short list of possible candidates who are registered All NCR registered possible candidates are eligible to be considered and ultimately win

SECURE DISTRIBUTION SECURE DISTRIBUTION DEBT REVIEW FUNDS DC DEBT Partner REVIEW takes pride FUNDS in providing accurate and timely distributions.

DC Partner takes pride in providing Distributions are done strictly according to accurate and plan timely distributions. the distribution provided by the debt counsellor.

Distributions are done strictly according

to the distribution plan provided by the debt counsellor.

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

contact us today for more information

086 111 2882

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

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Die Republiek van

SKYT AFRICA Hi Almal, Een ding wat van kindsbeen in ons koppe ingeprent is, is n vervaldatum. Elke liewe produk in ons koskaste en vries of yskaste het n vervaldatum. Wanneer inkopies gedoen word is die eerste waarna ons kyk die prys en tweedens die vervaldatum, ons sal immers nie melk koop wat reeds die volgende dag verval nie. N vervaldatum gee vir ons n aanduiding vir welke periode ons daardie items kan gebruik alvorens dit bederf of selfs ongesond kan wees.

Nou wat het die met skuld uit te waai? Onlangs het iemand n kort praatjie gelewer oor vervaldatums in ons lewe en ek het dit insiggewend gevind.

Elke krisis of probleem in ons lewe het n vervaldatum, niks duur vir ewig nie.Dus kan n vervaldatum ook positief wees in ons daaglikse handelinge.

Baie van die swaarmoedigheid wat ons oorval is die feit dat ons nie n einde aan n probleem kan sien nie en ons voel hulpeloos en uitgelewer, hierdie het tot gevolg dat daar maklik handdoek ingegooi word want daar is nie n vervaldatum nie.

PROFESSIONAL DEBT COUNSELLING ATTORNEYS

T E L : 021 872 1968 1 1 MARKET STRE ET, PA ARL w w w.ste y nco etze e.co.za

Besef dat jou finansiĂŤle probleme wel n vervaldatum het, dit is nie n lewenslange probleem nie. Besef ook dat enige addisionele betaling, hoe gering ookal, wat jy tot jou skuld maak die vervaldatum nader bring. Poog om deurentyd hierdie vervaldatum te vervroeg, niks is meer bevredigend om te sien hoe n teiken of doelstelling al hoe nader beweeg nie.

Mag die vervaldatum van jou finansiĂŤle probleme vinnig aanbreek!

Groete en gaan julle goed!

Christo Hattingh Kyk gerus my LinkedIn profile: https://www.linkedin.com/in/christo-hattingh-351a52130/ * Seriously please do let us know if you found this article to be funny/offensive/amusing/interesting feedback@debtfreedigi.co.za

HELPING VULNER ABLE CONSUMERS Do you have Debt Review clients who you are worried about? Have you seen the cost of living shoot up beyond your clients increase in income? Are you worried they may fall out of the process without a little help?

If you know of vulnerable but loyally paying debt review consumers who could benefit from some assistance please let us know.

Are you thinking of ways to help debt review consumers? Let’s work together to ensure the right consumers get the right help and no funds are wasted.

Become a DCCS Supporter

Contact admin@dccsupport.co.za

DEBT COUNSELLING COMMUNITY SUPPORT

Debt Counsellors Collective

Public register of slow paying companies. Before you do business with anyone, click to see if they are listed

Don’t need an association but want a voice at industry level? info@moneyclinic.co.za

http://www.gentlereminders.club/

Visit our Facebook page www.allprodc.org

Visit our Facebook page and tell us about concerns you have over the Draft National Credit Amendment Bill https://www.facebook.com/BlackDebtCounsellorsForum/

www.bdcf.co.za

The National Debt Counselling

Regional Meetings Free State 11 May 2018 Gauteng 15 May 2018 KZN 18 May 2018 WCape 22 May 2018

Association (est. April ‘17) members collectively serve about 30-35% of the active consumer market.

NDCA has contributed to CIF on topics such as professionalization of the industry, increased use of DCRS,

Check the website for upcoming regional meeting dates in other provinces.

and DC fees.

NDCA also presented to Parliament’s Portfolio Committee on the upcoming debt relief bill.

www.dcasa.co.za

INDUSTRY EVENT

FNB DEBT COUNSELLOR CONFERENCE Debt Counsellors braved the early morning traffic in a windy Cape Town to make their way to FNB’s beautiful glass building in the CBD. Debt Counsellors and attorneys, from businesses both large and small, gathered to meet with FNB’s Debt Review Centre.

After a light breakfast (and after allowing a few latecomers to arrive) the conference kicked off with a welcome from Faadiel Toffie.

After a short intro from Faadile and Buyile, Ms. Athaly Khan spoke to the audience and outlined how FNB wanted to use the occasion to find solutions to some challenges. She briefly touched on recent systems challenges which had seen many Debt Counsellors slightly concerned but which had been resolved.

Buyile then took the audience on a walk down memory lane, as he discussed some of the past developments for the department and areas where they had overcome past challenges. Though FNB have been a bit quiet (or as Buyile put it: “some people have been asking: “where have you been?“”) they are still firmly committed to the industry and consumers under debt review. Buyile said they had to take a small step back and decided to engage with the industry on an association level, but would like to engage with as many Debt Counsellors as possible in any way possible.

Gert, Faadiel and others discussed possible process (and technology) improvements that may soon be seen like, increased functionality on the FNB app and use of USSD codes on mobile phones (Unstructured Supplementary Service Data).

FNB would also like to use technology to speed up and automate as many of the simple things in the process such as cancelling debit orders, drawing statements and getting paid-up letters. Plans are already in place to do so.

A big focus of the day (other than informal chats and questions about industry developments) were 4 main issues which FNB had identified as areas needing innovation.

For example, the process of creating a new reference number for payments made towards overdrafts (which are partially split form consumer’s cheque accounts). FNB hope to now move the split and creation of the new payment reference number before the CoB phase.

Another plan is to monitoring the transaction account and see if it continues to be used. If not, it may be auto-closed after a certain time period or consumers can continue to use the account (without the overdraft, of course) as their normal transaction account (and normal fees will apply).

Though the project is underway it may take another year or two to iron out all the kinks. For now, FNB are focused on preventing any “set off” money grabbing from consumers’ transaction accounts while under debt review.

Debt Counsellors were able to break away into several small groups and brainstorm the various issues to come up with innovative ideas and suggestions from a new perspective.

After feedback from the workgroups, there was a chance to discuss the increase of VAT, Reckless credit investigations and the new Debt Counselling fees guideline issued by the NCR. Afterwards, the crowd enjoyed a delicious lunch and got to mingle before heading back to work.

A Successful Conference FNB Debt Review are based in Gauteng and the Conference in Cape Town allowed many of the team to get to meet Debt Counsellors face to face who they usually only deal with telephonically and electronically. It also gave FNB the opportunity to speak to those who work with them every day and ask them for a fresh perspective on many key issues.

Ms. Athaly Khan described the day as a success, saying: “Today was gold!”

She said: “None of us is as smart as all of us” referring to the clever ideas proposed by the many Debt Counsellors regarding the 4 main topics of the day.

SERVICE D

CLICK THE C

DEBT COUNSELLORS

SUPPORT SERVICES

TRAINING

FINANCIAL

FINANCIAL PLANNING

DIRECTORY

CATEGORY

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

CREDIT BUREAUS

LEGAL

PAYMENT DISTRIBUTION AGENCIES

CREDIT PROVIDER CONTACT DETAILS & ESCALATION PROCESS

DEBT COUNSELLORS

GAUTENG

KWAZULUNATAL

FREE STATE

LIMPOPO

MPUMALANGA

NORTH WEST

EASTERN CAPE

NORTHERN CAPE WESTERN CAPE

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

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

GAUTENG

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

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

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

NCRDC197 Tel: 011 660 9970 Fax: 086 540 5017 KRUGERSDORP e-mail: nicky@nvdmdc.co.za www.nvdmdc.co.za

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

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

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

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

CCDC Consumer Care Is our Priority.

Tel: 018 462 4263 / 073 624 6949 Email: info@ccdc.co.za www.ccdc.co.za

DEBT NO MORE - NCRDC1973 Christelle du Toit Tel: 016 423 6301 Cell: 083 321 6731 FAX: 086 219 3306 Email: debtnomore@jjckruger.co.za

www.jpawfin.co.za

GAUTENG

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

Suite 7 Gladstone Court 103 Smiso Nkwanyana [Goble] Road Morningside Durban Tel: 031 303 1004 Mobile: 076 835 2810 Email: jbechoo@jb-attorneys.co.za

Get

¨ debt relief with our ¨ help today!

016 423 3029 082 812 5442 info@resolutiondebt.co.za

Give your family the happiness they deserve

012 772 2074 076 289 1191 info@lepingdebtcounsellors.co.za

0861 123 644

info@debtrescue.co.za

0861 123 644 National Debt Advisors Fighting For Consumer Justice Tel: 021 007 1688 www.nationaldebtadvisors.co.za

KWAZULUNATAL

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

info@debtrescue.co.za

DEBT FREE, STRESS FREE AND LIVE BETTER 084 367 1236 info@bmhdebtsolutions.co.za www.bmhdebtsolutions.co.za 17 Arbee Drive, MP Centre Office 09, Tongaat,4400 Registered Debt Counsellor NCRDC2662

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

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

Get

¨ debt relief with our help today!

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

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

FREE STATE

0861 123 644

info@debtrescue.co.za

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

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

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

Office no 2, 5 A Schoeman Street, Polokwane Tel: 0152912731 Tel: 0877028518 Email: admaau66@gmail.com www.maaudebts.co.za

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

0861 123 644 SMS Salary Management Services Annerien de Jager Registered Debt Counsellor NCRDC0075 015 307 2772 info@smslimpopo.co.za

info@debtrescue.co.za

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

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

Romi Oliphant Debt Counselling Service 013 650 0116

rodcs4u@gmail.com http://rodcs4u.webs.com/ WhatsApp 062 502 5987

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

0861 123 644

info@debtrescue.co.za

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

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

NORTH WEST

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

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

0861 123 644

info@debtrescue.co.za

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

NORTHERN CAPE

0861 123 644

info@debtrescue.co.za

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

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

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

EASTERN CAPE

0861 123 644

info@debtrescue.co.za

WEBSITE | www.debt-therapy.co.za

debt therapy

integrity guaranteed

debt therapy is registered with NCR | NCRDC49

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

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

WESTERN CAPE

CONSOLIDEBT Heidie Knorr NCRDC209 Paarl, Worcester, Wellington, Ceres, Piketberg, Clanwilliam, Vredendal Tel: 021 863 2754 / 082 380 4401 consolidebt@vodamail.co.za

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

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

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

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

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

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

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

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

Credit Rescue Debt Review Debt Review Removal Administration Removal Garnishee Removal Contact James Scott 0834525829 Email: helderberg@credit-rescue.co.za

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

WESTERN CAPE

CONSUMER DEBT SUPPORT Annienne Nel NCRDC2452 Kairo’s House, 22 Fairfield Southstreet, Parow, 7550 Office: 021 930 5791 Cell: 082 641 2328 Fax: 086 563 3264 e-mail: info@debtcentre.co.za www.debtcentre.co.za

Take control of your finances...

0861 123 644 “Helping you the SMART way”

info@debtrescue.co.za

Marie Kruger NCRDC2039 021 919 2271 083 460 3689 marie@helpmydebt.co.za www.helpmydebt.co.za

RIGHT STEP TO A DEBT FREE LIFE. 086 111 2274 081 785 3724 info@logicaldebtsolutions.co.za www.logicaldebtsolutions.co.za

0860 061 008 info@smartdebtadvisors.co.za www.smartdebtadvisors.co.za

SUPPORT SERVICES

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

DEBT lana Van Herwaarde, DC Operation Centre (PTY) Tel: 0867227405 Email: info@dcoperations.co.za www.dcoperations.co.za

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

COMING SOON

TRAINING

COMING SOON

FINANCIAL PLANNING

LEGAL

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

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

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

Your Debt Counselling Attorneys Johannesburg | Cape Town Andre Van Zyl 021 494 4862 Kim Armfield Attorney & Family Law Mediator Address: Unit 1B, FinansHuis, 7 Voortrekker Road, Bellville Tel: 021 949 1758 / 021 945 2526 Office cell: 084 8588 284 kim@legalwc.co.za

info@bassonvanzyl.com

www.bassonvanzyl.com

CREDIT BUREAUS

Xpert Decision Systems (XDS) South African information bureau.

Cape Town | Johannesburg +27 11 645 9100 info@xds.co.za www.xds.co.za

PAYMENT DISTRIBUTION AGENCIES

DC Partner 044 873 4530

Hyphen PDA 011 303 0060

NPDA 0861 628 628

SYSTEM PROVIDERS

FINWISE - INNOVATIVE DEBT M

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

Debt Review Software Tel: 016 004 0031

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

•

•

•

•

•

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

DON’T WORK WITH AN OUT DATED VERSION OF THE ACT

UPDATED 2017

We are happy to announce that the Amended National Credit Act booklet is now available via our shop.

Get the latest version for only R250.00

ORDER NOW http://debtfreedigi.co.za/product/pocket-sized-national-credit-act-booklet/

Turnaround Time

Debt Review DepartmentEmail Address

Contact Details Standard Bank Debt Review Debt Review Call Center:

0861 111 525 or 0861 111 402

Debt Review Documents*:

DRApplications@standardbank.co.za

Debt Review Service requests:

debtreviewservices@standardbank.co.za

5 days

Debt Review payment queries:

DRPayments@standardbank.co.za

7 days

Debt Review administrative requests**:

DebtReviewAdmin@standardbank.co.za

5 days

Debt Review complaints and escalations:

debtreviewcomplaints@standardbank.co.za

5 days

Reckless Lending Allegations

recklesslendingallegations@standardbank.co.za

*Debt Review documents: Form 17.1; Form 17.2; Proposals; Court Applications; Court Orders **Debt Review Admin related requests: debit order cancellations; statement requests ; refunds; paid up letters; account closure instructions; settlement balances; or outstanding balances

Other Standard Bank areas Credit Card

086120 1000

Diners Club

0113588400 / 0860346377

Vehicle Asset Finance Recoveries

0861102347

Vehicle Asset Finance Collections

0861102347

Home Loans Pre Legal

0860102270

Home Loans Customer Service

0860123001

Standard Bank Insurance

0860123911

Deceased Estates

0861001868

CAPITEC CONTACT DETAILS

Form 17’s Proposals Court documents General Queries Refund Requests / Cancellation of Debit Orders Complaints Insurance Certificates Sharecall Contact Number

ccsforms17@capitecbank.co.za ccsproposals@capitecbank.co.za ccsdebtrevieworders@capitecbank.co.za ccsdebtreviewqueries@capitecbank.co.za ccsrefundrequests@capitecbank.co.za ComplaintManagement@capitecbank.co.za coming soon 086 066 7783 - Select Option 2

ESCALATION PROCESS COMING SOON

ABSA TASK SPECIFIC DEBT ABSA TASK SPECIFIC DEBT REVIEW ENTRY POINTS REVIEW ENTRY POINTS Form 17.1 DRCOB@absa.co.za

Proposals

Debit Order Cancellations Debitordercancellations@absa.co.za

DRProposals@absa.co.za

Exits from Debt Review 17.4@absa.co.za

All Court Documents Courtapp@absa.co.za

DC Switches DCTransfere@absa.co.za

Termination Queries DRTerminations@absa.co.za

debtreviewqueries@absa.co.za

Queries

Escalated Queries

Call Centre

debtreviewmanager@absa.co.za

0861 222 272

mmulaudzi2@fnb.co.za

mmulaudzi2@fnb.co.za

First National Bank – a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). Reg. No. 1929/001225/06.

DC Query Process DC Query Process

www.nedbank.co.za

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

ESCALATION PROCESS DETAILS COMING SOON

Telephone: 031 251 4151 Fax: 031 251 4252

GENERAL CONTACT DETAILS (FIRST POINT OF CALL)* 17.1‘s, 17 .2’s, 17.3’s, Rejections and 17 .W’s, Change or Transfer of Debt Counsellor

applications@consumerfriend.co.za

Proposals / Revised Proposals / Consents / Related Queries

proposals@consumerfriend.co.za

Notice of Service / Court Applications

courts@consumerfriend.co.za

Updated Balances / Settlements / General Queries

customeraccounts@consumerfriend.co.za

Section 86(10) Letters and All Related Queries

terminations@consumerfriend.co.za

ESCALATION CONTACT DETAILS* Complaints / Service Delivery / Management

ryan@consumerfriend.co.za justin@consumerfriend.co.za

17.1‘s, 17 .2’s, 17.3’s, Rejections and 17 .W’s, Change or Transfer of Debt Counsellor

charlene@consumerfriend.co.za

Proposals / Revised Proposals / Consents / Related Queries

charlene@consumerfriend.co.za

Notice of Service / Court Applications

roderick@consumerfriend.co.za

Updated Balances / Settlements / General Queries

diane@consumerfriend.co.za

*Please do not CC multiple email addresses.