By debt counsellors in many instances

(a) Failing to:
(i) Adequately comply with the requiremens of the Act;
(ii) Provide adequately motivated, realistic and detailed debt restructuring proposals to credit providers or failing to do so timeously or at all;
(iii) Assist consumers on an ongoing basis to make sure they continue to meet their financial obligations under arrangements proposed or accepted.
(b) Promoting the debt review process for the wrong reasons/ encouraging inappropriate consumer behaviour and/or inadequately informing consumers of the risks, costs and obligations flowing from a debt review application;
(c) Accepting applications from consumers who do not have the financial means or reasonably prospects of obtaining the fianacial means to resolve their cases

Cite this clause

National Credit Regulator. (2015). Covering Report, clause 3.1.3.1: By debt counsellors in many instances. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 11.