Annexure A
    2.3.3
    Annexure A
    p. 17

    If a COB

      If a COB is received within 5 business days, the DC should use the information provided in the COB to determine if the consumer is over-indebted.

    NDRC Practice NoteLast reviewed 2026-04

    Legal context

    Where the COB conflicts with the consumer's records, the COB takes precedence for proposal purposes, but the discrepancy is logged for the reckless lending review under NCA s 80.

    Drawn from NDRC's active case work. For your situation, see our debt counselling overview.

    Cite this clause

    National Credit Regulator. (2015). Annexure A — Debt Review Process & Conduct Provisions, clause 2.3.3: If a COB. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 17.

    Related clauses

    2
    Annexure A
    Improved debt review process rules
    2.1
    Annexure A
    Form 17
    2.2
    Annexure A
    Credit Provider Information Stage
    2.2.1
    Annexure A
    Within 5 business days of receiving Form
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    2.3.2 If no COB
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    2.3.4 If the consumer
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    Based on NCR Guideline 001/2015, p. 17. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.