Your Case. OurWhole Team.
A new generation of debt counsellors, setting higher standards for South Africans.
Our Team Commitment
Professional Excellence in Debt Counselling
At NDRC, we are not the biggest, and we don't try to be the loudest. We are a disciplined, professional, young team committed to taking debt counselling to the next level in South Africa.
Collaborative Team Approach
Our strength lies in the way we work together with our counsellors, compliance experts, client care specialists, attorneys, legal administrators, accountants, and technology operators united to deliver real results for real people.
Why Our Team is Different
Core Values and Principles
Authority and Professionalism
Every case we manage is built on compliance with the National Credit Act, verified by the National Credit Regulator, and supported by tested legal processes. We don't cut corners, and we don't gamble with your future.
NCR Compliance
Legal Process Integrity
No Shortcuts Policy
Young and Future Driven
We represent the new guard of debt counselling. Instead of relying on outdated methods, we are building the systems and tools that make the process faster, more transparent, more compliant and more reliable.
Innovation Focus
Modern Systems
Technology Integration
Cleaning Up the Industry
Debt counselling has been damaged by debt counsellors who put fees before service and promises before results. We exist to do the opposite - to raise standards, restore trust, and deliver outcomes that protect South Africans.
Industry Standards
Trust Restoration
Client Protection
Not About Awards or Marketing Budgets
Our reputation isn't built on trophies or Google or Facebook ad spend. It's built on outcomes; clients who complete the process, walk away with their orders, clearance certificates, and recommend us because we delivered.
Results Over Recognition
Client Success Stories
Proven Outcomes
We Are Always Client Centered
Every system, process, and team effort at The National Debt Review Center is designed with one question in mind: are our clients better off? If the answer isn't yes, we go back and fix it.
Client First Approach
Continuous Improvement
Service Excellence
The Teams That Make It Happen
Our Specialized Departments
Debt Counselling Specialists
Department Overview
The professionals who restructure your debt into sustainable repayment plans and secure your legal protection in court.
Team Expertise
Client Care Team
Department Overview
The people who answer your calls and WhatsApps, explain the processes in plain language, and support you through every stage.
Team Expertise
Legal and Compliance Unit
Department Overview
The experts who prepare court applications, manage compliance, and ensure your case is legally bulletproof from start to finish.
Team Expertise
Technology and Operations
Department Overview
The innovators behind the systems that keep cases moving, payments secure, and communication reliable. They are building the future of debt counselling in South Africa.
Team Expertise
Meet Our Director
Sibabalwe Samora Dakana
Founder and Director of The National Debt Review Center
About Sibabalwe
Director Biography
Sibabalwe ("Siba") Samora Dakana brings integrity, empathy, and financial savvy to the debt counselling industry across South Africa. As a registered Debt Counsellor (NCRDC3106), Siba leads The National Debt Review Center with professionalism, transparency, and a commitment to helping clients rebuild their financial futures without judgment.
Core Values
View Full ProfileProfessional Affiliations
Industry Memberships and Certifications
NCR Registration
Registered with the National Credit Regulator (NCRDC3106)DCASA Membership
Associate Member, Debt Counsellors Association of South Africa (DCASA) – 0877Legal Compliance
Certified in POPIA, National Credit Act, and NCR debt-review protocolsProfessional Training
Completed accredited training in consumer finance, affordability assessments, and credit rehabilitation
Innovations & Proprietary Tools
Technology Solutions
Sibabalwe has developed proprietary tools designed to simplify and enhance the debt review process:
My Debt Counselling Software
Streamlined Process ManagementRobust system that streamlines debt review and debt removal processes for debt counsellorsDebt Review Quoting System
Instant Quote GenerationProvides accurate, tailored debt review initial quotes in under two minutesDebt Review Removal System
Legal Compliance ToolFacilitating legal and procedural compliance in ending debt review agreementsMy Credit Score App
Credit MonitoringAllowing clients to monitor and improve their credit health in real timeMy Pocket Debt Counsellor App
Mobile SolutionSimplifies the debt counselling and removal processes with real-time updates
Philosophy & Approach
Client-Centered Methodology
Personalized Service
"I believe I have significantly impacted the debt review industry through the innovative financial tools, systems and insightful articles I have created and that every client deserves personalised guidance, transparency, and empowerment. My approach combines practical debt solutions with financial education, ensuring clients not only resolve immediate financial challenges but also build stronger money management skills for the future."
Why Choose Sibabalwe?
Client Benefits and Advantages
When you work with me, you don't just get a service, you get a partner in taking control of your financial future. My clients benefit from:
NCR Compliance
Regulatory ExcellenceNCR-compliant debt review and debt review removal handled with professionalism and careExpert Negotiation
Creditor RelationsSkilled negotiation with credit providers to reduce stress and protect your rightsLegal Protection
Court CoverageLegal protection while under debt review, giving you peace of mindPersonalized Support
Individual AttentionPersonalised support and guidance tailored to your unique situationClear Communication
Transparent ProcessClear explanations of every step, so you understand your options and choicesOngoing Assistance
Long-term PartnershipOngoing assistance until you achieve a debt-free, secure financial futureFinancial Education
Future ProtectionPractical advice and strategies to prevent future financial pitfalls
Contact Information
What Clients Say
Client Reviews and Feedback
Real Stories from Real South Africans
Here's what South Africans we've helped have to say about working with our team.
5-Star Rating
Client Testimonial
"Been very helpful since the beginning and did a very brilliant job🙌🙌"
Client Name
Review Date
Owner's Response
5-Star Rating
Client Testimonial
"I cannot thank Lumka Koliti, Sibabalwe Dakana & the NDRC team enough for their assistance in removing me from this process without needing to go to court!! I was put under debt review without my knowledge/consent by CDS Consulting and I contacted NDRC for assistance as I could not make any headway with CDS Consulting. If you find yourself in the same predicament, rest assured that you will be assisted. THANK YOU Lumka & NDRC!!!!! What an amazing team :)"
Client Name
Review Date
Owner's Response
5-Star Rating
Client Testimonial
"NDRC Made my life easier I can control my budget, I can pay creditor at a scheduled time, no sleepless nights no phone calls from creditors, I have also recommended other consumers to join Debt Review Program, Thank You NDRC, Miss Thandeka Thanks for super assistance."
Client Name
Review Date
Owner's Response
Proof You Can Trust
Accreditations and Compliance
Our Certifications and Standards
NCR Registration
NCRDC3106
Registered with the National Credit Regulator (NCRDC3106)DHS Alignment
Court Systems
Repayment plans aligned with the Debt Counselling Rules SystemSecure Payments
PDA Authorization
Payments handled securely through authorised Payment Distribution AgenciesLegal Standing
Court Applications
Court applications filed in Magistrates Courts and the National Consumer TribunalDCASA Member
Industry Association
Member of the Debt Counsellors Association of South Africa (DCASA)POPIA Compliance
Data Protection
Full compliance with POPIA for data protection and privacyB-BBEE Status
Level 1 Contributor
Level 1 B-BBEE contributorTrack Record
Proven Results
A united team effort that has already helped hundreds of households get back on trackOur Commitment
Team Promise to Clients
Standards Over Spotlight
Industry Standards
We are not here to play for the spotlight. We are here to raise the standard of debt counselling in South Africa.
Success Metrics
Client Outcomes
Our success is measured not by awards or marketing budgets, but by your success when you complete the process, when you receive your clearance certificate, and when you finally live free of debt stress.
Whole Team Support
Collaborative Approach
That is why, at The National Debt Review Center, even if you are assigned to a dedicated professional, your case will never rest on one person. You'll always have our whole team behind you.
Ready to Work with Our Team?
Start Your Debt Review Journey
Free Assessment Available
Book your free assessment and let our whole team work for your financial freedom.