The NCR Debt Help System (DHS) records the debt review status of every consumer who has applied for debt review. Each status is recorded using a letter code. Your code determines which removal route applies to you.
All NCR DHS status codes:
• Status A: Application submitted. The debt counsellor has submitted the application to the NCR but the process has not progressed further.
• Status B: Notification issued. The debt counsellor has notified all credit providers via Form 17.1. You are formally under debt review.
• Status C: Over-indebted. The debt counsellor assessed your finances and confirmed over-indebtedness. The most common status for consumers under active debt review.
• Status D1: Proposal submitted to the National Consumer Tribunal.
• Status D4: Magistrate's Court order granted. A court issued a debt rearrangement order. This is the most restrictive status. Some magistrates refuse to rescind D4 orders, making removal more complex.
• Status E: Clearance certificate pending. The process of issuing a clearance certificate has started but is not complete.
• Status F1: Clearance certificate issued. All debts under debt review have been fully settled. Credit bureaus must remove the flag within 21 business days.
• Status F2: Clearance certificate issued with home loan excluded. All debts except a current home loan have been settled. This qualifies under Section 71(1)(b) of the NCA.
• Status G: Court order obtained confirming the consumer is no longer over-indebted. Debt review flag must be removed.
• Status G1: No longer over-indebted, verified and confirmed by the NCR. The final step before credit bureaus update your profile.
• Status H: Debt counsellor withdrew from providing services due to consumer non-cooperation. This status alone does not remove the debt review flag from credit bureaus.
Status C: a Section 87 court application is the primary removal route if you can show improved finances. Status D4: a Section 165 rescission application is typically required. Statuses G and G1 confirm the flag has been or is being removed.
NDRC's free status check at ndrc.org.za/check-your-debt-review-status lets you view your current DHS status without visiting any office.