VS YOUR 2019 THEIR 2019 - SOUTH AFRICA'S DEBT COUNSELLING MAGAZINE - Debtfree DIGI

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VS YOUR 2019 THEIR 2019 - SOUTH AFRICA'S DEBT COUNSELLING MAGAZINE - Debtfree DIGI
SOUTH AFRICA’S DEBT COUNSELLING MAGAZINE

YOUR 2019
             VS
THEIR 2019
January 2019
www.debtfreedigi.co.za
VS YOUR 2019 THEIR 2019 - SOUTH AFRICA'S DEBT COUNSELLING MAGAZINE - Debtfree DIGI
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VS YOUR 2019 THEIR 2019 - SOUTH AFRICA'S DEBT COUNSELLING MAGAZINE - Debtfree DIGI
VS YOUR 2019 THEIR 2019 - SOUTH AFRICA'S DEBT COUNSELLING MAGAZINE - Debtfree DIGI
January is much like the first day        you, especially compared to your
                                          peers. You might not be having the
of annual leave, it holds so much
                                          total “Jol” you imagined, but let us
potential. At the start of the year,      assure you, nobody is. As you will
you imagine all the ways your life        see in this issue, being under debt
is going to change and improve            review can make all the difference,
                                          if one of your goals is becoming
over last year, this is YOUR year!        debt free.
Then, as January goes by, you stare
                                          We also catch up on some industry
at your shrinking bank balance and
                                          related news, information on what
slowly emptying wallet, you begin
                                          the debt counselling associations
to take strain. Eating healthy is
                                          are all up to, as well as featuring
often more expensive; going to gym
                                          some tips and advice. Be sure to
requires a contract and time (and
                                          check out our Mythbusting article all
some sweat).
                                          about your credit score and credit
                                          bureau report.
Giving up those bad habits is a
great idea, but it can leave you
                                          We also look at ways to boost not
more stressed than normal and
                                          only your Google web ranking but
that starts to negatively affect your
                                          also consumer confidence in your
interaction with the people around
                                          website. Don’t worry we don’t get
you. The longer the month drags
                                          too technical, because we don’t
on, the harder it gets, and it is only
                                          understand all the technical stuff too,
January! There are still 11 months
                                          but it will guide you in dealing with
left. You begin to wonder if 2019 is
                                          your IT guys in improving things.
eally going to be the year
you achieve your goals.
                                          After the New Year ‘glow’ wears
                                          off and you return to the normal
Don’t be too hasty to abandon
                                          drudgery of daily routine, it can
your goals. In our January issue,
                                          be tough to stay motivated. This is
we discuss not only the best kind of
                                          because results take time, and most
goals to set for yourself, but also why
                                          of us are easily distracted, easily
2019 IS going to be a great year for
VS YOUR 2019 THEIR 2019 - SOUTH AFRICA'S DEBT COUNSELLING MAGAZINE - Debtfree DIGI
bored. We find it hard to maintain      FROM
that clear vision we had at the start    THE

                                        E
of the year. The ability to push
through the rest of the year, day by
day, month by month is what will
see you make a success (or not) of

                                        D
the year.

So, keep on making those monthly
debt repayments, chipping away

                                        I
at your debts, keep checking your
PDA statements to see how you are
doing and you will keep moving
forward towards your financial goal

                                        T
of becoming debt free.

                                        O
                                        R
VS YOUR 2019 THEIR 2019 - SOUTH AFRICA'S DEBT COUNSELLING MAGAZINE - Debtfree DIGI
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A Member of                                                            A member of the    Group
VS YOUR 2019 THEIR 2019 - SOUTH AFRICA'S DEBT COUNSELLING MAGAZINE - Debtfree DIGI
YOUR 2019 VS THEIR 2019
                                                                                                             C
                                                                                                             O
                                                                                                             N
MYTHBUSTING                                                    2019
YOUR CREDIT                                                 DEBT REVIEW
  REPORT                                                     AWARDS
                                                                                                             T
  SET SMART
  GOALS FOR                                                     SERVICE                                      E
                                                                                                             N
     2019                                                      DIRECTORY

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VS YOUR 2019 THEIR 2019 - SOUTH AFRICA'S DEBT COUNSELLING MAGAZINE - Debtfree DIGI
Don’t let debt be your legacy.

                                                                Debt leaves a mark on all of us. And if we don’t manage it, it can pass from us to our children.
                                                         But if you call us today we can help you. We have already helped 50 000 South Africans just like you.
                                                        We can significantly reduce the monthly payments on the money you owe, so you can pay off your debt
                                                              and live your daily life stress free. What is your financial freedom worth to you and your family?

                                                                                  Call 087 237 7874 today and together we can take control of your debt.

DebtBusters voted SA’s BEST National Debt Counsellor
 at the SA Debt Review Awards 2014, 2016, 2017 & 2018                                        DebtBusters employs NCR registered debt counsellors | www.debtbusters.co.za
VS YOUR 2019 THEIR 2019 - SOUTH AFRICA'S DEBT COUNSELLING MAGAZINE - Debtfree DIGI
DEBT REVIEW
         SCHOOL
   Know your abbreviations:

NCT = National Consumer Tribunal
PDA = Payment Distribution Agency
NDCA = National Debt Counsellors
		     Association
VS YOUR 2019 THEIR 2019 - SOUTH AFRICA'S DEBT COUNSELLING MAGAZINE - Debtfree DIGI
201
19
     YOUR 2019
        VS
     THEIR 2019
YOUR 2019
                              VS THEIR 2019
You may be wondering what 2019 will bring. Is this going to be
a good year or a tough year? With the way the economy has been
going globally (and locally) it is not unfair to say that 2019 is
going to be a tough year for everyone. Even Government, who tend
to be upbeat about the economy to try and build confidence, is being
conservative in their estimates of how businesses will fare in 2019.

Economists feel that we are in for more petrol hikes, interest rate increases
and with “Junk” status by the 3rd and final Ratings agency looming on the
horizon, we may see a forced huge exodus of foreign investment in the
near future. All this puts strain on what people spend, how much they can
earn, and that is going to impact on you and your friends.

In general terms, it means that more people will have to spend more each
month, and at the same time be earning less or have less spending power.
That means less people spending money at shops and businesses run by
others, and then more pressure on everyone to pay everyone else. You
probably have people who owe you money but haven’t paid yet and so
you are struggling to pay your creditors.
All that makes 2019 sound like a potential nightmare. While it is true that
things are not looking super positive, it is important to remember that you
are not alone in dealing with these challenges. Everyone, countrywide is
going to be in for a tough time, including your friends and neighbours.
YOUR 2019 VS THEIR 2019

ADJUST YOUR
ATTITUDE
Those who adjust to the tough times, fare best. If you are already
in debt review then you are taking positive steps monthly towards
improving your financial situation.
The process however, can be slow and that brings its own challenges, but
it is effective and can help you get out of debt as long as you don’t miss
payments.

Those around you might think that the solution to not being able to make
ends meet, is to rely on credit. This is certainly something that can help in
the short term, but is not a justifiable long term solution.
YOUR 2019 VS THEIR 2019

Research shows that more and more people are using credit to cover basic
expenses like groceries. Recently Pick N Pay began offering consumers
access to their own credit (since people were buying so much food on
other credit provider’s credit cards anyway). They quickly extended over R1
Billion to consumers in just a few months (and they only offer consumers a
small amount of credit at a time).

You may be jealous that your friends seem to still be able to go out to fancy
restaurants, drive a big fancy car and can hop on a plane for a weekend
getaway. What you may not realize is that your friends are probably up to
their necks in debt, and to keep living this way, they are probably sinking
deeper and deeper into debt.

The other thing that is probably happening is they are repaying less and less
of their total debt each month, quickly falling into the trap of only paying
the minimum required amount to scrape by (especially in January). This
means that their overall debts are growing and they are ultimately paying
more and more in fees and interest over time.
South Africa’s
  leading Debt Counsellors
                          since 2007

Start getting out
 of debt today!
www.creditmatters.co.za

   Call our national
    call centre on
  086 111 6197
YOUR 2019 VS THEIR 2019

                       A SIMPLE LIFE
If you are in debt review, then you have probably been there. You
were once also stuck in that downwards debt spiral.
You know that eventually, they are going to have some sort of emergency
they cannot afford, and it will max out all their credit. They will try to get
more credit but won’t qualify and then things are going to get nasty very
quickly. The horrible collections calls, SMS and threats.

So, if you are already in debt review and are making those reduced payments
every month, living a more simple life then: Congratulations! Each month,
as you make that debt review payment, your debts are slowly reducing
while those around you are slowly getting deeper and deeper into debt.

If you are in debt review then you will also have agreements with credit
providers about what interest rates will be used. These may very well be
fixed, which means that if interest rates do go up, then your debt repayments
under debt review will remain unaffected (some rates may be linked). Your
interest rates have probably already been slashed by your credit providers,
meaning you are paying back mostly the capital portion of your debt (Thanks
credit Providers!). This makes you less vulnerable to rate hikes and other
similar pressures.
YOUR 2019 VS THEIR 2019

SLOW & STEADY
WINS THE R ACE
Others may not notice your slow journey towards financial freedom,
and it certainly is not flashy and doesn’t mean you can live a life
of luxury, but it does mean that you can be confident that you can
provide what your family needs each month.
This is the first and most immediate goal of debt review. The next goal is
to pay off all your debts over time so that you end up not owing anyone
anything. That takes a little longer.

True, the process can be a slow one, but over the next 11 months of 2019,
your personal debt situation will steadily be getting better and better
regardless of what is happening to the economy around you. This gives
you peace of mind, you can stress less about your debt, not just because
you are not being chased by collections agents, but because you know that
you are moving towards a better financial future.
YOUR 2019 VS THEIR 2019

You can see the light at the end of the tunnel, this is a serious physiological
benefit. Your relationships with others will probably reflect this positive
attitude - less snapping at people, less pressure, less fighting with people.

So, yes, both you and your friends might end up paying more for petrol
and you may see the Rand take a pounding from other currencies. The
price of everything may go up for all of us, but if you are under debt review
your 2019 is looking rosy. Each month is a small victory, each payment a
step towards freedom and that means you are going to have a better year
than most of your friends*.

*share the love and tell your friends about debt review and how it has
turned things around for you. They probably need it too.
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
MYTH BUSTING YOUR
CREDIT REPORT
MYTH BUSTING YOUR CREDIT REPORT

                      BLACKLISTING
People in South Africa often use the term “blacklisted”. They think
this refers to some sort of arrangement where you cannot get credit
because you have not repaid your credit well in the past. You will
often see adverts (illegal adverts) online or via SMS that promise
loans despite being ‘blacklisted’.

Blacklisting was used many, many, many years ago, but does not exist
anymore. Credit Bureau Transunion says: ‘“Blacklist” is a misleading term,
a category that dates back to when credit bureaus only kept negative
information. Now credit bureaus hold both positive and negative data.’

It’s similar to reminiscing about what a great invention the telegraph was.
Imagine an advert for the latest cell phone saying something like.

     Are you having trouble with your telegraph service in your town?
    Rather use the NEW X11 Mobile device with 4G connectivity…etc.

You might think the advertiser had gone mad talking about technology
from the 1800’s (and you may not be wrong).
Talking about blacklisting is old and stupid, it no longer exists. If you see an
advert that mentions it, please be careful that you are not being scammed.

They know that if you fall for the blacklisting reference, then you will probably
fall for other tricks i.e. like paying them money upfront so that you can
borrow money from them.

*The telegraph was developed in the 1830/40 by Samuel Morse and some
others to communicate via the dots and dashes of Morse code over long
distances. It was ingenious at the time.
MYTH BUSTING YOUR CREDIT REPORT

I HAVE A BAD CREDIT SCORE
     SO I CAN’T GET CREDIT
This is simply not true. You may end up paying a higher rate of
interest due to your poor payment history, but if you can afford credit,
then you should be able to gain access to it.

After changes to the National Credit Act a decade ago, credit providers must
ask how much you earn and what you are currently spending your money
on each month. This will include any other debts you have. If you then still
have some money available (after making allowances for emergencies) the
credit provider will know how much you can pay them back each month.

They can then figure out how much to loan you. eg. If you earn R3000
a month and spend/set aside R2800 each month towards your costs and
saving, then you have R200 available as a possible monthly debt repayment
installment. The credit provider can then decide how many months they
want to get R200 back from you, and how much they are prepared to lend
you.
MYTH BUSTING YOUR CREDIT REPORT

For example, the online Ubank Calculator shows that you could borrow
R1000 and pay it back over 10 months at around R204.79/ month.

Your credit score will then help them decide what interest rate to offer you
(but most of the time most credit providers simply make you pay the highest
possible interest rate the government allows regardless).

If you go to credit provider and they turn you down for credit, it is likely
because you cannot actually afford more credit and should rather look to
go into debt review to get rid of your debts, as opposed to accumulating
more debt.

                                                  IS
                                                          !
                                     T H
                                   Y
             I S M
                                         E              D
          TH
                         S             T
               B       U
DEBT REVIEW SCHOOL
Set Smart Goals for 2019

     S – Specific,
     M - Measurable,
     A - Achievable,
     R - Realistic,
     T- Time-based
The more specific your goals are, the more you
have thought them through and the more likely
you are to reach your goal.

If you can measure progress towards your goal it
makes it easier for you to see how much effort is
still needed to get to that goal.

Setting goals relating to things that you have
some measure of control over makes them
achievable. Don’t set goals that depend entirely
on other people.

Starting with smaller realistic goals which are
within your grasp, if you put in the effort, is better
than dreaming too big and soon giving up in the
face of the impossible. Rather split a big goal
down into several smaller goals which will lead
you towards your ultimate goal.

Setting a goal without setting a time limit is like
letting two teams play soccer endlessly over days
and days - they will get bored and tired and you
would get bored watching it. Give yourself a
set amount of time to reach your goal. This will
also help you measure how far along you are
progressing and adjust the effort involved.
                             Business vector created by dooder - www.freepik.com
HTTP OR HTTPS
DOES IT REALLY MATTER?
HTTP OR HTTPS - DOES IT REALLY MATTER?

                                  IS IT SECURE?
When a consumer is thinking about entering debt review (or using
your company’s services) they will often visit your website to check
if you have an online presence. They will use this opportunity to do
some online research about you and also gain some knowledge of
your branding.

Not having a website is a bad sign, and they may immediately doubt that
you offer a professional service (everyone has a website, right?).

An old, out of date website indicates that you are not good at staying
current, and are probably overworked and under resourced (if you can’t
afford to update your site then you probably are not doing well financially).
An informative website that has a modern feel and has helpful information,
including ways to contact your offices, is normally a sign that this business
might be the right service provider for you.
How good your site looks, combined with how high or quickly you (your
business) show up on a search engine (Google) are often factors for the
potential customer in deciding whether to use your services or not. What
shows up in a prospective clients web browser address bar, could be the
reason why your website is hurting (or helping) your business.

Sitting in your visitors web browser address bar might be the words:

Not Secure | www.yourwebsiteaddresshere...
HTTP OR HTTPS - DOES IT REALLY MATTER?

NOT SECURE?
SINCE WHEN AND WHAT
DOES THAT MEAN?

In 2018, Google Chrome users started to see this status showing
in their address bar as Google began to show whether the site was
HTTP or HTTPS (the S stands for secure).
The warning shown refers to the lack of security for the connection to that
page. It’s telling visitors that information sent and received to that page
is unprotected and it could potentially be stolen, read, or modified by
attackers, hackers, and entities with access to internet infrastructure, such
as Internet Service Providers (ISPs) and governments.

Now, would you prefer to deal with a website that is secure or not secure?
The answer is obvious. More and more consumers are worried that their
information may be exposed to bad people who want to scam them. When
site visitors see this on your site, it could make them nervous.
HTTP OR HTTPS - DOES IT REALLY MATTER?

        would you prefer to deal with a website
             that is secure or not secure?
In the past, most sites were HTTP and it is only more recently that sites
like Facebook, Amazon and Google began shifting to HTTPS (millions of
companies have migrated) and Google feels that a secure site is better for
obvious reasons, and will often give it a better rating than a similar non-
secure one.

What is special about HTTPS?
HTTPS uses the SSL/TLS protocol to provide a secure connection, which is
both encrypted and authenticated. That means it is safer to enter personal
information.

How do I change my site to HTTPS?
If you manage your own website, then you can do some research online.
It will require finding out if your web hosting provider can give you the SSL
Certificate or not. Then, depending on how you built your website (maybe
using something like Word press) you may need to add a plugin that can
do all the work for you. If someone else made your site for you then it is a
case of paying them to do that.

Get Ahead of the Curve
Tom Levine who is a Search Engine Marketer from TheSearch.Club says:
“If you’re a site that deals with customer data, even just names and email
addresses, migrate now before Google gets really serious. It might already
be hurting your rankings and affecting user-trust in your site. With initiatives
like Lets Encrypt for the first time in the history of SSL certification, it’s now
possible to do it for free.”
We appear in the following courts and act as a correspondent for Dc’s
                         and their attorneys.

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                         Please contact adri@kempdebruyn.co.za to
                                   enquire about our fees.

                +27 (21) 200 5644
                adri@kempdubruyn.co.za
                21 Station Street, Paarl, 7646
HTTP OR HTTPS - DOES IT REALLY MATTER?

Will it affect my Google ranking?
The simple answer is: Yes and probably in a good way if you transition
properly. You may see some fluctuation at first but over time you should see
a positive bump.

301 Redirects
When your website address changes (from HTTP to HTTPS) be aware that
some of your links and back links may be negatively affected. The way
around this, is to add what are called 301 redirects to your old address
that tells everyone looking for the old address (even Google), that you have
moved to a new address. Fortunately it is quite easy. It is like putting an
electronic version of a note on the shop front window of your old place with
a map to the new place, and makes it easy for everyone to find you without
you losing out on those older links and referrals.

Update your Site Map
Search engines use your site maps to know what you have on your site.
Make things easier for them by updating your site map with the HTTPS
structure. This is often done via a SEO plugin, so it can be done speedily
as well.

As search engines like Google become more and more cautious, and
favor sites with HTTPS protocol it may become increasingly important for
companies to move over to HTTPS. Currently, you may find that it is less
stress to migrate, but your site visitors may be getting nervous about the
‘not secure’ status showing in the address on your site. Why not talk to your
IT guy about the benefits and challenges of switching to HTTPS?
DEBT REVIEW AWARDS 2019
Each year NCR registered members of the debt review industry are invited
to complete short peer reviews about those they work with on opposite
sides of the industry. This gives credit providers the chance during the year
to rate those Debt Counsellors they are dealing with each day. It also gives
the Debt Counsellors a chance to rate those credit provider debt review
departments they deal with regularly.

The Annual Debt Review Awards Peer review is already underway and email
invites to participate are being sent out. Remember the NCR Database of
registrants is used as the basis of the email list – yes we know it is not
always 100% accurate so we urge registrants to update their details if they
have changed contact info and to let us know:

              debtreviewawards2019@debtfreedigi.co.za
NEW YEAR, NEW AWARDS
                           GALA VENUE

Each year the Peer review results throughout the year are compiled and
announced at the Annual Debt Review Awards Gala. This black tie event is
attended by the top performing firms within the industry and on the evening
the top companies are announced. This year the gala evening is moving
to KZN.

Awards founder Zak King says:”We have been eager to bring the Gala to
KZN for some time and are glad to be doing so this year. We look forward
to many local Debt Counsellors and Credit Providers attending.” Over the
years the Awards gala has alternated between Cape Town and Gauteng.
The change will see many who have not had a chance to attend get to join
in the event.

Many will travel from around the country to attend and so with that in mind
there will be some additional events held in the days leading up to the Gala
evening. “We want to give those traveling maximum value for money and
are excited to be hosting several workshops and meetings as well as some
social events on the days leading to the Gala” says Zak.

If you would like more information about the Annual Debt Review Awards
please email:

              debtreviewawards2019@debtfreedigi.co.za
                            or head to
                     www.debtreviewawards.co.za
MELIORLEAF WON’T
     LOAD YOUR PREMIUMS
        OR REPUDIATE A
     LEGITIMATE CLAIM JUST
       BECAUSE YOU’RE IN
          DEBT REVIEW

Specialist insurance for people in debt review.
           Ask your debt counsellor.

             CALL US NOW 0861 635 467
               www.meliorleaf.co.za
DID YOU KNOW...
  As of the 1st of December 2018 the UDU
 Personal Loans debt review portfolio is now
       being handled by Capital Data.

            DID YOU KNOW...
    As of 10 December 2018 Capital Data*
     is taking over older Sanlam Personal
           Loans debt review matters.
   If Capital Data mailed you a detailed list of accounts and
clients affected please be aware that Consumer Friend will no
  longer be handling those specific matters. Your PDA should
            adjust the payment destination account.

 *Capital Data is a division of Transaction Capital Recoveries who administer
                       debts for MBD Legal Collections.
   TCR is an authorised Financial Services Provider (46765) | MBD Legal
           Collections is a registered Credit Provider (NCRCP1891)
PROFESSIONAL DEBT
COUNSELLING ATTORNEYS
           TEL: 021 872 1968
    1 1 M A R K E T S T R E E T, PA A R L
        w w w. s t e y n c o e t z e e . c o . z a
Die Republiek van
SKYT AFRICA
Hi Almal,

Met die aankoms van die nuwe jaar is dit altyd interessant om te sien
wat in die sakewêreld aangaan. Veral die banksektor. Elkeen wil n
snytjie van die koek hê maar die koek word kleiner. Aandeelhouers wil
winste sien groei dus word daar voortdurende gekyk na bykomende
bronne van inkomste. Daarby moet dit besigheidsin maak, menigte
van die rolspelers in die finansiële sektor het in die verlede projekte en
uitbreidings aangepak wat hul duur te staan gekom het.

So wat is op die horison in Suid Afrika? Discovery Bank, TymeBank en Bank
Zero is nuwe rolspelers met FirstRand wat die versekeringsmark betree. Of
FirstRand en Discovery mekaar nou die stryd aansê sal ek nie weet nie
maar iemand gaan hier op iemand se tone trap. Soos ek in begin gesê het
daar is net soveel kliënte wat kan kwalifiseer vir nog skuld. Nog elke keer
in die verlede wanneer daar n nuwe bank sy deure oopmaak het, het die
verbruikers wat reeds te veel skuld gehad het by die nuwe bank nog skuld
probeer aangaan.

Bank Zero interesseer my egter maar bygesê op n positiewe noot. Dit is
n ten volle digitale bank met geen takke nie wat n lae bedryfskoste tot
gevolg sal hê. Uit die aard van die saak sal dit hulle in n posisie plaas
om goedkoper bankdienste te bied, voorwaar goeie nuus waar ons tans,
behalwe vir brandstof, net prysstygings ervaar. Hulle gaan ook nie lenings
toestaan nie en wil n spaar ingesteldheid vestig. Dit gaan n kopskuif vir
menigte gebruikers wees om eers te spaar en dan te koop waar hul eerder
nou duur skuld wil aangaan.

Hopelik kan ons die jeug wat nog op die drumpel van die grootmens
wêreld staan om n Bank Zero konsep te volg. Spaar vir dit wat jy eendag
wil hê, moenie dieselfde foute maak deur net die blink raak te sien nie,
onderdruk daardie behoefte van ek wil dit nou hê! Spaar, spaar en spaar!

Groete,
Christo

                                  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
KIM
           ARMFIELD
           AND ASSOCIATES

When debt
review clients
don’t pay they
put your entire
practice at risk!

  We make sure you get paid for
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          Tel: 021 949 1758 | 084 702 3760
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www.collectnetpda.co.za
Has your debt counselling
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We wish all in the
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TELEPHONE 0861 112 882 FACSIMILE 086 605 9751 MOBILE 082 449 6856 EMAIL andre@in2insurance.co.za

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SERVICE D         CLICK THE C

    DEBT COUNSELLORS

SUPPORT         TRAINING
SERVICES

FINANCIAL      INSURANCE
DIRECTORY
 CATEGORY

  DO YOU WANT TO LIST
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   directory@debtfreedigi.co.za

                                    PAYMENT
   CREDIT BUREAUS                 DISTRIBUTION
                                    AGENCIES

          CREDIT PROVIDER CONTACT
        DETAILS & ESCALATION PROCESS
DEBT COUNSELLORS

          KWAZULU-
GAUTENG              FREE STATE
           NATAL
LIMPOPO     NORTH WEST   EASTERN CAPE

MPUMALANGA   NORTHERN CAPE WESTERN CAPE
Credit Matters
                                              South Africa’s Leading
                   PENNY WISE                   Debt Counsellors
                   Cathy Foster              14th Floor, The Pinnacle
          Debt Counsellor – NCRDC1977          Cnr Strand & Burg St
          Penny Wise Debt Counselling              Cape Town
                Tel: (011) 679 1540             Tel: 086 111 6197
                Fax: 086 719 3378
                                                Fax: 021 425 6292
              Mobile: 083 298 4467
          Email: cathy@pennywise.co.za      info@creditmatters.co.za
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GAUTENG

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                                           Alida Christie NCRDC2324
                Take the First Step
                                          Office 1, 34 Beefwoodstreet,
              to Financial Freedom
                                              Vanderbijlpark, 1911
                   Tania Dekker
                                                Tel: 079 520 4369
             Tel: 011 849 3654 / 7659
                                                Tel: 016 100 8020
            www.armanigroup.co.za
                                              tlcdebt@mweb.co.za
Specialist Debt Management Centre
                                     Creators In Financial Wellbeing
   Beverley Ludick, NCRDC948                                               “Helping you the SMART way”
                Pretoria
          Tel: 012 377-3557                    NCRDC677
    Email: obligco@gmail.com                You Are Not Alone
      Email: dc@obligco.co.za       We’ll handle your creditors so you
         www.obligco.co.za                    don’t have to!                        0860 061 008
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                                             All Debt Solutions                           CCDC
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            NCRDC197                 Tel: 0861 255 3328 / 021-557 9981     Tel: 018 462 4263 / 073 624 6949
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       Fax: 086 540 5017                 www.alldebtsolutions.co.za                 www.ccdc.co.za
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   e-mail: nicky@nvdmdc.co.za                  alldebtsolutions
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DEBT NO MORE - NCRDC1973

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                                              Tel: 016 423 6301
                                             Cell: 083 321 6731
                                             FAX: 086 219 3306

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GAUTENG

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                 9 River Road
                 Morning Hill
                 Bedfordview
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              Tel: 083 490 3339
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                             Debt Review   Debt Review   Debt Review
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                              WINNER        WINNER        WINNER
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South Africa’s
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            Fighting For Consumer Justice
                   Tel: 021 007 1688             086 999 0606
           www.nationaldebtadvisors.co.za
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                                               2014          2016          2017
                                             Debt Review   Debt Review   Debt Review
                                               Awards        Awards        Awards
                                              WINNER        WINNER        WINNER

KWAZULU-
 NATAL

              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
Get
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          Credit Matters
       South Africa’s Leading
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      14th Floor, The Pinnacle
        Cnr Strand & Burg St
            Cape Town
         Tel: 086 111 6197
         Fax: 021 425 6292
     info@creditmatters.co.za
Credit Matters
                                                          South Africa’s Leading
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                                                         14th Floor, The Pinnacle
                                                           Cnr Strand & Burg St
                                                               Cape Town
                 National Debt Advisors                     Tel: 086 111 6197
              Fighting For Consumer Justice                 Fax: 021 425 6292
                     Tel: 021 007 1688                  info@creditmatters.co.za
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FREE STATE

                    South Africa’s
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                  086 999 0606
             info@debtbusters.co.za
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                2014          2016          2017
              Debt Review   Debt Review   Debt Review
                Awards        Awards        Awards
               WINNER        WINNER        WINNER
Credit Matters
                                                                                   South Africa’s Leading
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        LIMPOPO                                                                   14th Floor, The Pinnacle
                                                                                    Cnr Strand & Burg St
                                                                                        Cape Town
                                          National Debt Advisors                     Tel: 086 111 6197
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                                              South Africa’s
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   Email: admaau66@gmail.com
                                      www.debtbusters.co.za
      www.maaudebts.co.za

                                         2014          2016          2017
                                       Debt Review   Debt Review   Debt Review
                                         Awards        Awards        Awards
                                        WINNER        WINNER        WINNER
MPUMALANGA
                                                                           National Debt Advisors
                                                                        Fighting For Consumer Justice
                               GMC Debt Solutions                              Tel: 021 007 1688
                                  52 Kerk Street                       www.nationaldebtadvisors.co.za
                                     Lydenburg
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                                 Tel: 087 151 1034
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        Debt Counselling
        Service                    South Africa’s
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                                South Africa’s Leading
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                                14th Floor, The Pinnacle
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                                              0606
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      WhatsApp             www.debtbusters.co.za
     062 502 5987

                               2014          2016          2017
                             Debt Review   Debt Review   Debt Review
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                              WINNER        WINNER        WINNER
Credit Matters
                                                            South Africa’s Leading
                                                              Debt Counsellors
                                                           14th Floor, The Pinnacle
                                                             Cnr Strand & Burg St
                                                                 Cape Town
                   National Debt Advisors                     Tel: 086 111 6197
                Fighting For Consumer Justice                 Fax: 021 425 6292
                       Tel: 021 007 1688                  info@creditmatters.co.za
               www.nationaldebtadvisors.co.za

NORTH WEST

                                                           South Africa’s
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              Office No. 6, Prime Pharm Building,
                  36 Dr Nelson Mandela Drive
                        Tel: 0186320053
                        Tel: 0877026744
                                                         086 999 0606
                Email: papi@maaudebts.co.za         info@debtbusters.co.za
                   www.maaudebts.co.za              www.debtbusters.co.za

                                                       2014          2016          2017
                                                     Debt Review   Debt Review   Debt Review
                                                       Awards        Awards        Awards
                                                      WINNER        WINNER        WINNER
Credit Matters
                                                             South Africa’s Leading
                                                               Debt Counsellors
                                                            14th Floor, The Pinnacle
                                                              Cnr Strand & Burg St
                                                                  Cape Town
                    National Debt Advisors                     Tel: 086 111 6197
                 Fighting For Consumer Justice                 Fax: 021 425 6292
                        Tel: 021 007 1688                  info@creditmatters.co.za
                www.nationaldebtadvisors.co.za

NORTHERN CAPE

                       South Africa’s
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                  trusted, multi-award
                 winning Debt Counsellor.

                     086 999 0606
                info@debtbusters.co.za
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                   2014          2016          2017
                 Debt Review   Debt Review   Debt Review
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                  WINNER        WINNER        WINNER
Credit Matters
                                                        South Africa’s Leading
                                                          Debt Counsellors
                                                       14th Floor, The Pinnacle
                                                         Cnr Strand & Burg St
                                                             Cape Town
                   National Debt Advisors                 Tel: 086 111 6197
                Fighting For Consumer Justice             Fax: 021 425 6292
                       Tel: 021 007 1688              info@creditmatters.co.za
               www.nationaldebtadvisors.co.za

EASTERN CAPE

                                                       South Africa’s
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                                                  trusted, multi-award
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                                                     086 999 0606
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                                                www.debtbusters.co.za

                                                   2014          2016          2017
                                                 Debt Review   Debt Review   Debt Review
                                                   Awards        Awards        Awards
                                                  WINNER        WINNER        WINNER
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ISISEKO DEBT HELP
 Get Your Life back on track
     TEL: 087 230 0223
     FAX: 086 551 1649
EMAIL: makanti@isiseko.co.za
                                                                              NCRDC1142
  WEB: www.isiseko.co.za
                                                                       No 2 Golden Isle Building
                                                                      281 Durban Road, Oakdale,
                                                                             Bellville, 7535
                                                                          Tel: 086 111 3749
                                                                      Email: help@zerodebt.co.za
                                                                         www.zerodebt.co.za

       Credit Matters
    South Africa’s Leading
      Debt Counsellors                  All Debt Solutions
   14th Floor, The Pinnacle    Fast tracking your financial freedom
     Cnr Strand & Burg St       Tel: 0861 255 3328 / 021-557 9981
         Cape Town                     Email: info@allds.co.za
      Tel: 086 111 6197             www.alldebtsolutions.co.za
      Fax: 021 425 6292            https://www.facebook.com/
  info@creditmatters.co.za                alldebtsolutions
South Africa’s
                                                          largest and most
                                                       trusted, multi-award
                                                      winning Debt Counsellor.

               Your Guide to Financial                  086 999 0606
               Wellness and Recovery
                    0861 229 922                   info@debtbusters.co.za
                info@debthero.co.za                www.debtbusters.co.za
                www.legalhero.co.za

                                                        2014          2016          2017
                                                      Debt Review   Debt Review   Debt Review
                                                        Awards        Awards        Awards
                                                       WINNER        WINNER        WINNER

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
“Helping you the SMART way”

         0860 061 008

  info@smartdebtadvisors.co.za
   www.smartdebtadvisors.co.za

    RIGHT STEP TO A
    DEBT FREE LIFE.

      086 111 2274
      081 785 3724

info@logicaldebtsolutions.co.za
www.logicaldebtsolutions.co.za
SUPPORT SERVICES          011 451 0041
                                0860 072 768

                            www.dcmax.co.za

                             COMING SOON

   lana Van Herwaarde,      TRAINING
DC Operation Centre (PTY)
  Tel: 0867227405 Email:
 info@dcoperations.co.za
 www.dcoperations.co.za
DEBT
              086 126 6562
            debt@one.za.com
            www.one.za.com

INSURANCE
LEGAL

         Liddles & Associates             Steyn Coetzee Attorneys /            RM Brown and Associates
“It always seems impossible until it              Prokureurs                     16th Floor, The Pinnacle
         is done” N. Mandela                     Adri de Bruyn                    Cnr Strand & Burg St
           (T) 021 930 5790            11 Market Street / Markstraat 11,               Cape Town
            (F) 0866070940                         Paarl, 7646             Tel: 021 202 1111, f: 021 425 0875
     (E) frontdesk@liddles.co.za               Tel: 021 872 1968             Email: roger@rmbrown.co.za
           www.liddles.co.za                  Fax: 021 872 2678
                                           adri@steyncoetzee.co.za
Your Debt Counselling Attorneys

                                     Johannesburg | Cape Town

                                            Andre Van Zyl
                                            021 494 4862
           Kim Armfield
Attorney & Family Law Mediator         info@bassonvanzyl.com
 Address: Unit 1B, FinansHuis, 7
   Voortrekker Road, Bellville
Tel: 021 949 1758 / 021 945 2526
     Office cell: 084 8588 284
        kim@legalwc.co.za

                                       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                       COLLECTNET
                              +27 12 140 0602

 DC Partner    Hyphen PDA         NPDA
044 873 4530   011 303 0060    0861 628 628
SYSTEM PROVIDERS

                                                        FINWISE - INNOVATIVE DEBT M

  Tel: 011 451 0041          Debt Review Software     South Africa’s premier
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CAPITEC CONTACT DETAILS

Form 17’s                            ccsforms17@capitecbank.co.za
Proposals                            ccsproposals@capitecbank.co.za
Court documents                      ccsdebtrevieworders@capitecbank.co.za
General Queries                      ccsdebtreviewqueries@capitecbank.co.za
Refund Requests /                    ccsrefundrequests@capitecbank.co.za
Cancellation of Debit Orders
Complaints                           ComplaintManagement@capitecbank.co.za
Insurance Certificates               coming soon
Sharecall Contact Number             086 066 7783 - Select Option 2

                    ESCALATION PROCESS
                               COMING SOON
Debt Review DepartmentEmail Address                                              Turnaround Time

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
Department                     Email address / Contact number               TAT

                                                                            Absa
                                                                        For your convenience we now offe
                                                                        in these departments are subject m
                                                                        could delay the resolution of your q
Call Centre                   0861 005 901                                     Option 1: Updated balances, s
                                                                               Option 2: Any COB related qu
                                                                               Option 3: Any proposal relate

                                                                              En
                                                                               Option 4: Any termination rel

                              DRCob@absa.co.za                                5 Business Days            Pr

                              DCTransfer@absa.co.za                           5 Business Days            M

Certificate of balance        DCCOBQueries@absa.co.za                         5 Business Days            M

                              Debitordercancellations@absa.co.za              5 Business Days            M

                              DCRCAssessment@absa.co.za                       10 Business Days           M

                              DCProposalquery@absa.co.za                      10 Business Days           M
Proposal
                              DRProposals@absa.co.za                          10 Business Days           Pr

Legal                         Courtapp@absa.co.za                             5 Business Days            Al

                              DRTerminations@absa.co.za                       10 Business Days           M
Termination
                              17.4@absa.co.za                                 10 Business Days           M

Clearance                     DCClearanceCertificate@absa.co.za               5 Business Days            M

KYC                           DCKYC@absa.co.za                                For return of KYC forms.

                              Debtreviewqueries@absa.co.za                    10 Business Days           En

Service

                              Debtreviewmanager@absa.co.za                    5 Business Days            Es
  2 |         Presentation title
Function

 unity to call our contact centre and be transferred to specific departments. Note that our consultants
 s and will best be able to assist you for a swift resolution. Please note; choosing the incorrect option

settlements, refunds and general enquiries             Function

a Debt Review
er the opportunity to call our contact centre and be transferred to specific departments. Note that our consultants
matter experts and will best be able to assist you for a swift resolution. Please note; choosing the incorrect option
 query.
 statements, settlements, refunds and general enquiries
 he 17.1 application.
ueries
ed queries

ntry Points
lated queries
bt counsellor swaps and system changes.

 rocessing of the 17.1 application.
 B escalated queries and follow-ups.
Manage all debt counsellor swaps and system changes.
bit order cancellation requests.
Manage all COB escalated queries and follow-ups.
 ss lending allegations.
Manage all debit order cancellation requests.

oposal escalated queries and follow-ups.
Manage reckless lending allegations.

 he following
Manage          documents:
        all proposal           17.2, proposals,
                     escalated queries           proof of Insurance, 17.3 & supporting documentation.
                                       and follow-ups.

ments  to be
rocessing     provided
          of the         todocuments:
                 following this department   for review.
                                      17.2, proposals, proof of Insurance, 17.3 & supporting documentation.

 ll legal documents to be provided to this department for review.
 mination    queries, reinstatement requests and follow-ups.

Manage all termination queries, reinstatement requests and follow-ups.
 untary termination requests.
Manage all voluntary termination requests.
 arance-related queries and requests.
Manage all clearance-related queries and requests.

 all query-related matters.                Types of queries managed by this department: Account closure
 ntry point for all query-related matters.       Types of queries managed by this department: Account closure
                                           confirmation/request.      Balance confirmations/query. Account status
                                                 confirmation/request. Balance confirmations/query. Account status
                                           confirmation.   Statement
                                                 confirmation.          request.
                                                                  Statement       Paid
                                                                            request.   upupletter
                                                                                     Paid     letterrequest.  Refund
                                                                                                     request. Refund
                                           request. All relevant
                                                 request.           operational
                                                           All relevant         queries
                                                                        operational       totobebereferred
                                                                                    queries                 to operational
                                                                                                   referred to operational
nt for all point
scalation  query-related     matters. matters.
                 for all query-related
                                           queuesqueues
                                                   mentioned      above.
                                                          mentioned    above.
                                                                       SECRET
                                                                    SECRET    CONFIDENTIALINTERNAL
                                                                           CONFIDENTIAL    INTERNAL ONLY
                                                                                                     ONLY
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
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