Annexure B
    14.5
    Annexure B
    p. 49

    Verify Income

      Verify Income

      a) Check pay slip(s) and bank statements

      b) Verify amount(s)

      c) Any other income (interest, rent, 2nd job, etc)

      d) Statutory deductions

      e) Identify debt related deductions

      f) Tax return up to date. If not will influence future budget

    NDRC Practice NoteLast reviewed 2026-04

    Legal context

    Required by NCA Regulation 23A(3) and the affordability assessment evidentiary standard the NCR applies on compliance audits.

    Drawn from NDRC's active case work. For your situation, see our debt counselling overview.

    Cite this clause

    National Credit Regulator. (2015). Annexure B — Debt Review Assessment Guidelines, clause 14.5: Verify Income. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 49.

    Related clauses

    14
    Annexure B
    Annexure b2 – Affordability Assessment Check List
    14.1
    Annexure B
    Affordability Assessment
    14.2
    Annexure B
    Interview with Consumer
    14.3
    Annexure B
    Verify Consumer Details
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    Based on NCR Guideline 001/2015, p. 49. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.