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NCR Circular 09 of 2025 – Debt Counsellors Can Now Update DHS Statuses Directly

Effective 1 September 2025, the National Credit Regulator has issued Circular 09 of 2025, introducing a major change in how Debt Counsellors update consumer records on the NCR Debt Help System. Instead of waiting for NCR dhs updates team to process emails, debt counsellors are now re-empowered and accountable to directly capture routine DHS status codes. This change eliminates delays, strengthens accountability, and gives consumers faster, more transparent outcomes. What Changed in Circular 09 of...

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NCR Circular 07 of 2025 – Misrepresentation of Debt Review

On 29 July 2025, the National Credit Regulator released Circular 07 of 2025 (Misrepresentation of Debt Review), a direct response to rising reports of misrepresentations in the debt review process. The circular follows a landmark ruling by the National Consumer Tribunal in Sandile Derrick Manzi vs Alice Dawn Barnard (NCRDC3277) & NCR, a case where a debt counsellor was fined R250,000 for placing a consumer under debt review without informed consent. This ruling has far‑reaching...

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Debt Review Savings Calculator

Calculate How Much You Can SAVE On Your Monthly Debt Repayments by using this free life changing debt review savings calculator from The National Debt Review Center Are you constantly juggling between paying off your home loan, managing monthly expenses, and ensuring there’s food on the table? If so, life can feel overwhelmingly stressful. Fortunately, you don’t have to face this challenge alone. Our Debt Review Savings Calculator offers a practical solution to help you regain control...

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Debt Review Removal Scam & Fraud Warnings in South Africa (2025)

PUBLIC ALERT!!! Debt Review Removal Scam & Fraud Warnings in South Africa (2025)

The National Debt Review Center (NDRC) issues this public service announcement in response to a surge in fraudulent activity targeting vulnerable South Africans seeking debt review removal services. This guide outlines verified debt review removal scams, tactics, regulatory alerts from the National Credit Regulator (NCR), and what you can do to protect yourself. Debt Review Removal Scam Tactics to Watch Out For If you’re looking for legitimate assistance with debt review removal, it’s crucial to Read more

By The National Debt Review Center, ago

Marital Status and Qualifying for Debt Counselling in South Africa

How does your Marital Status affect the eligibility to qualify for Debt Counselling in South Africa? This article break down the requirements & criteria. How does your Marital Status affect the eligibility to qualify for Debt Counselling in South Africa? To ensure that not all debt is being passed to one of the parties whilst the couple continues to live well off a substantial surplus from the other partner. Include all income When a consumer Read more

By The National Debt Review Center, ago
Marital Status and Qualifying for Debt Counselling in South Africa
Eligibility to Apply for Debt Counselling

Eligibility to Apply for Debt Counselling

This article outlines the requirements and criteria individuals must meet to qualify for debt counselling in South Africa. Detailed Article about the Eligibility to Apply for Debt Counselling in South Africa The National Credit Act (NCA) provides a framework for consumers facing financial difficulties through a process known as debt counselling, as outlined in Sections 86 and 87. This process allows eligible individuals to apply for debt review, potentially leading to a debt restructuring plan Read more

By The National Debt Review Center, ago

Rules for Registered Credit Providers in South Africa

This article outlines the Latest Debt Review Process Rules for Credit Providers based on the latest task team agreements. Rules for Registered Credit Providers a) Cancel all debit orders and salary deductions in respect of the debt repaymentssubject to the debt review (as required by law); andb) Refrain from applying set-off against credit balances or salary and other credits tothe consumer’s bank account. a) Accept the debt re-arrangement proposal if it meets the minimum requirementsof Read more

By The National Debt Review Center, ago
Rules for Registered Debt Credit Providers
Rules for Registered Debt Counsellors

Rules for Registered Debt Counsellors

This article outlines the Latest Debt Review Process Rules for Registered Debt Counsellors based on the latest task team agreements. These updated rules aim to improve efficiency, reduce backlogs, and benefit all stakeholders (consumers, debt counselors, and credit providers) by promoting faster debt repayment and a return to normal payment schedules. Rules for the Debt Counsellor a) A summary of the affordability assessment conducted containing the before and after counseling situation with regard to monthly Read more

By The National Debt Review Center, ago

Need a Free Online Debt Assessment Fast?

Use this Free Debt Calculator if you Need a Free Online Debt Assessment Fast. You can do this from your couch, in your pajamas, at 2 AM if you want. No need to schedule appointments or wait for callbacks. Okay, let’s be real. Debt. It’s that monster under the bed, the elephant in the room, the… well, you get the picture. It’s stressful, it’s overwhelming, and it can make you feel like you’re drowning. If Read more

By The National Debt Review Center, ago
Online Debt Assessment
Top Vrae Oor Skuldoorsigverwydering in Suid-Afrika - Beantwoord.

Gereelde Vrae oor Skuldoorsig Verwydering in Suid-Afrika

Skuldoorsig Verwydering in Suid-Afrika word gereguleer deur die volgende afdelings van die Nasionale Kredietwet: 1. Wat is Skuldoorsig Verwydering? Skuldoorsig verwydering verwys na die wettige proses om die skuldoorsig notering amptelik van jou kredietprofiel te verwyder om jou kredietwaardigheid te herstel. Wanneer iemand onder skuldoorsig is, beteken dit dat hulle hulp gesoek het by ‘n geregistreerde skuldberader om hul skuld te herstruktureer omdat hulle nie hul finansiële verpligtinge kon nakom nie en dus oorbelas was. Read more

By The National Debt Review Center, ago