Credit Providers
Credit Providers should take reasonable steps to verify whether payment in accordance with the debt re-arrangement proposal have been made before terminating debt review and instituting collection action. This includes obtaining written verification with the PDA and Debt Counsellor that payments have been made.
NDRC Practice NoteLast reviewed 2026-04
Before terminating, a credit provider must take reasonable steps to verify with the PDA and the debt counsellor whether payment has actually been made. A termination issued without this verification is procedurally defective.
PDA statements are the standard evidence used to defeat an unjustified termination. NDRC's PDA reconciliation runs on the same monthly cycle creditors use, so disputed payments can usually be traced within one cycle.
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 2.4.2: Credit Providers. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 19.