Annexure A
    3.5.2
    Annexure A
    p. 23

    PDAs should make sure that they capture all

      PDAs should make sure that they capture all information provided by debt counsellors correctly.

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    PDAs must capture every receipt, every distribution and every reversal in a register that can be produced on demand. The monthly statement to the consumer is generated from this register.

    Legal context

    Anchor: NCR Circular 002/2014 (PDA conduct) and NCR's annual PDA audit framework. Records are retained for at least five years.

    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 3.5.2: PDAs should make sure that they capture all. 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.