Annexure A
    2.5
    Annexure A
    p. 20

    Legal Contestation

    This clause is a parent heading. Its detail is set out across the 6 sub-clauses below:

    2.5.1
    Upon receipt of the Credit Providers replies to the debt
    2.5.2
    If consent
    2.5.3
    If consent
    2.5.4
    DC should notify all the Credit Providers
    2.5.5
    DC should limit the number of matters
    2.5.6
    The Credit Provider

    NDRC Practice NoteLast reviewed 2026-04

    Legal context

    Statutory anchor: NCA s 86(7)(c)(ii) read with s 87. Where consensual rearrangement fails, the matter proceeds to the magistrate's court with jurisdiction over the consumer's residence.

    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: Legal Contestation. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 20.

    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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    2.4.3 Credit Providers
    Next
    2.5.1 Upon receipt of the Credit Providers replies to the debt
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    Based on NCR Guideline 001/2015, p. 20. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.