Suggested conduct by payment distribution
This clause is a parent heading. Its detail is set out across the 5 sub-clauses below:
NDRC Practice NoteLast reviewed 2026-04
Payment Distribution Agents (PDAs) collect the single monthly payment from the consumer and distribute it across all creditors according to the proposal. They are the operational link between the consumer's bank account and every credit provider on the file.
The frequent issue is reconciliation gaps: a creditor claims non-payment while the PDA records show distribution. We resolve this by pulling the PDA statement and the creditor's account statement for the same period and tracing each cent. Misallocations are usually fixed within one cycle.
Credit providers generally accept PDA records as primary evidence. The PDA's monthly statement is the document a court will rely on if a credit provider claims the consumer breached the rearrangement order.
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: Suggested conduct by payment distribution. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 23.