Annexure A
    2.5.1
    Annexure A
    p. 20

    Upon receipt of the Credit Providers replies to the debt

      Upon receipt of the Credit Providers replies to the debt re-arrangement proposal, the DC should:

      a) Set the matter down in a Magistrate Court and obtain a court date before the expiry of the statutory 60 business days after the date on which the consumer applied for the debt review.

      b) Notify the respective credit providers of the outcome of the debt re-arrangement proposal and the court date within 10 business days of having obtained it.

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    On receiving the creditor replies, the debt counsellor selects the procedural route: consent order if all creditors agree, opposed application if any creditor objects. Mixed responses go to opposed application with the consents annexed as supporting evidence.

    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 2.5.1: Upon receipt of the Credit Providers replies to the debt. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 20.
    Based on NCR Guideline 001/2015, p. 20. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.