The lack of standardisation of format and content of key

The lack of standardisation of format and content of key documentation in the process:

a) The certificate of balance (COB) credit providers are legally obliged to issue to debt counsellors;

b) The full disclosure of the outcome of the over-indebtedness assessment conducted by the debt counsellor in making a finding in the matter;

c) The debt re-arrangement proposal formulated by the debt counsellor to resolve the situation of the consumer as well as the payment plan to be provided to the payment distribution agent to implement the proposal if consented to or enforced by a court of law;