Annexure A
    3.5.1
    Annexure A
    p. 23

    PDAs should make sure that they verify

      PDAs should make sure that they verify the validity of account details to which payments are to be made.

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Before the first distribution, the PDA must confirm the consumer's debit-order mandate and each creditor's bank account against the COB or written confirmation. A misallocation here recurs every month until corrected.

    Where it goes wrong

    Wrong creditor account numbers cause payments to land in the wrong bucket, which the credit provider then reports as non-payment. The fix is to pull the PDA distribution register and the credit provider's allocation report and reconcile them line by line.

    Legal context

    Anchor: NCR Circular 002/2014 on PDA conduct, read with NCA s 91 (registration of payment distribution agents).

    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 3.5.1: PDAs should make sure that they verify. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 23.

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    Based on NCR Guideline 001/2015, p. 23. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.