Annexure A
    3.2.1
    Annexure A
    p. 21

    Upon the effectiveness and credibility of the debt counseling

      Upon the effectiveness and credibility of the debt counseling process, the task team recommends that the following change be brought about:

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Standardised conduct rules exist so a consumer's outcome does not depend on which debt counsellor or PDA they happened to choose. The NCR enforces these standards through registration conditions and the complaints process.

    Legal context

    Enforcement route: complaints lodged with the NCR under NCA s 136, escalating to the National Consumer Tribunal under s 137 if not resolved.

    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 3.2.1: Upon the effectiveness and credibility of the debt counseling. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 21.

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    3.2 With a view to improving
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    3.3 Suggested conduct of debt counselors
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    Based on NCR Guideline 001/2015, p. 21. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.