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    1. Home
    3. Debt Counselling
    5. Official Guide
    7. Covering Report
    9. 3.1.4 Lack of co-operation between credit providers and debt
    Covering Report
    • 1Introduction
    • 1.1The National Credit Regulator (NCR) set up a Task Team
    • 1.2Terms of Reference
    • 1.3Credit Industry Forum (CIF)
    • 1.4The aim of the Task Team Agreement remains to address
    • 2Approach Adopted
    • 2.1A thorough technical analysis
    • 2.2Once this analysis
    • 2.3Once these proposals
    • 2.4The various stakeholders made representations during
    • 2.5A set of proposed enhancements of the restructuring rules
    • 2.6While the Task Team
    • 3Key Conclusions
    • 3.1Main obstacles identified
    • 3.1.1Judicial system capacity constraints
    • 3.1.1.1Although the volume of cases processed by the Magistrates
    • 3.1.1.2Even though the NCR has implemented initiatives
    • 3.1.1.3It is not to the advantage of either credit providers or ove
    • 3.1.1.4The problem of court incapacity
    • 3.1.2Process weaknesses
    • 3.1.2.1The lack of standardisation of format and content of key
    • 3.1.2.2Problems related to the receipt and distribution of payments
    • 3.1.3Inadequate operational compliance
    • 3.1.3.1By debt counsellors in many instances
    • 3.1.3.2By credit providers in many instances
    • 3.1.4Lack of co-operation between credit providers and debt
    • 3.1.4.1The absence
    • 3.1.5Possible abuse of the process by consumers
    • 3.1.5.1There are indications that a growing number
    • 3.1.5.2This problem
    • 4Conclusion
    • 4.1The Task Team recommendations
    • 4.2Compliance to the Task Team Agreement
    • 4.3Should the CIF intervention not realise the required
    Covering Report
    3.1.4
    Covering Report
    p. 12

    Lack of co-operation between credit providers and debt

    This clause is a parent heading. Its detail is set out across the 1 sub-clauses below:

    3.1.4.1
    The absence

    Cite this clause

    National Credit Regulator. (2015). Covering Report, clause 3.1.4: Lack of co-operation between credit providers and debt. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 12.

    Related clauses

    3
    Covering Report
    Key Conclusions
    3.1
    Covering Report
    Main obstacles identified
    3.1.1
    Covering Report
    Judicial system capacity constraints
    3.1.1.1
    Covering Report
    Although the volume of cases processed by the Magistrates
    Previous
    3.1.3.2 By credit providers in many instances
    Next
    3.1.4.1 The absence
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    The National Debt Review Center (NDRC) is a registered debt counselling practice with the National Credit Regulator (NCR Registration: NCRDC3106). Our services are conducted in strict accordance with the National Credit Act 34 of 2005 and NCR Circular 09 of 2025 regarding DHS status updates.

    Important: Debt review is a regulated legal process. While under debt review, you will be unable to obtain further credit until a Clearance Certificate (Form 19) is issued or a court order declares you no longer over-indebted.

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