Credit Providers

Credit Providers should implement effective policies and procedures on the cancellation of existing debt orders and stop orders on the duly authorized instruction of the consumer.

NDRC Practice NoteLast reviewed 2026-04

What this means in practice

Credit providers must cancel existing debit orders and stop orders on the consumer's authorised instruction once debt review begins. Continuing to deduct after notice is a separate breach the consumer can raise with the bank and the NCR.

Where it goes wrong

Unauthorised post-notice deductions are a common consumer complaint. The remedy is a written instruction copy plus the PDA mandate, lodged with the credit provider and the consumer's bank.

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 3.4.3: Credit Providers. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 22.