How to remove your name from debt review?
We are pretty much sure that the reason why you are here is that you are wondering how you can clear your name from debt review/debt counselling.
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Read below as we explain the steps that you can take in order for you to get your name cleared from debt review.
How to remove your name from debt review?
Step 1 – When can a consumer (YOU) exit the debt review process?
Section 71(2)(b)(i) of the National Credit Act initially made provision for consumers to only exit debt review through the issuance of a clearance certificate after they have paid all their re-arranged debts in full.
The effect of this provision is that in instances where a home loan formed part of the debt review application, consumers have to remain under debt review for the duration of the home loan term even after settling re-arranged short term debts.
This provision will, however, change upon proclamation of the National Credit Amendment Act (NCAA) under section 71(1) as follows:
There are 3 Guidelines for the Withdrawal from Debt Review.
A Consumer whose debts have been re-arranged in terms of Part D of this Chapter must be issued with a Clearance Certificate by a Debt Counsellor within seven days after the Consumer has –
(a) Satisfied all the obligations under every credit agreement that was subject to that debt re-arrangement order or agreement in accordance with that order or arrangement; or
(b) Demonstrated:
financial ability to satisfy the future obligations in terms of the re-arrangement order or agreement under- (aa) a mortgage agreement which secures a credit agreement for the purchase or improvement of immovable property; or (bb) any long term agreement as may be prescribed;
That there are no arrears on the re-arrangement contemplated in subparagraph (i); and
That all obligations under every credit agreement included in the re-arrangement order or agreement other than those contemplated in subparagraph (i), have been settled in full.
Step 2 – Can then a debt counsellor terminate or withdraw the debt review process?
Unfortunately, the answer is NO. Because A debt counsellor does not have statutory powers to terminate or withdraw the debt review process.
There are however varied ways in which a consumer can be withdrawn from debt review which will be set out below;
- Once a debt review court order has been obtained a consumer cannot terminate or withdraw the debt review process, they can, however, approach the court to apply for an order which declares that the consumer is no longer over-indebted.
- Consumers can only withdraw or terminate the debt review process prior to the declaration of over-indebtedness as per section 86(7) of the Act and issuance of Form 17.2 subject to payment of debt counselling fees as per NCR Debt Counselling Fee Guidelines.
Further note that you as a consumer have a right to make direct payments to the creditors as that will not be construed as non-co-operation and should not be used as a reason for suspension of debt counselling services by your debt counsellor.
If you choose to make direct payments to your creditors you need to note the following;
- The consumer remains responsible to make all payments as re-arranged, in full and on time.
- Proof of payments must be sent to your debt counsellor on a monthly basis for record-keeping and to enable the provision of aftercare service as a consumer cannot be under debt review without a debt counsellor.
- Consequences of making short or late payments (e.g. risk of termination by credit providers).
- Debt counselling fees are payable to a debt counsellor for services rendered and this includes payment of aftercare fees.
- For a debt counsellor to issue a clearance certificate, all aftercare fees must be up to date. Where the debt counsellor has suspended the provision of service, a consumer must provide proof of settlement letters from credit providers for a debt counsellor to issue a clearance certificate.
- In a nutshell, the debt review legal process is very complex and it should be explained clearly to the consumers, understood and also not taken lightly.
We see a lot of debt review removal companies online that scam most South African consumers, promising them the world and fail to deliver.
Once you have applied for debt review and you stick to the new rearranged payment and the debt review flag get finally removed from your credit profile, you’ll be eligible to take out credit. HOWEVER, we highly recommended that you work with your debt counsellor first, to establish a sustainable budget before you take on any debt.
We hope that this helped. Please remember to share, review and recommend. Learn more about other debt review removal methods here.
69 Comments
Nancy · June 23, 2020 at 2:57 pm
Need help to be removed from debt review
TEBOGO · July 25, 2020 at 4:09 pm
Need help regarding debt review removal
The National Debt Review Center · August 20, 2020 at 2:56 pm
Please contact your current debt counsellor to get clarity in this regard, alternatively, contact the National Credit Regulator on 0860 627 627 or send them an email at dccomplaints@ncr.org.za
If you’re unhappy with the service you are getting from your debt counsellor, you can transfer to us by applying here https://ndrc.org.za/apply-online/
Regards
Tebogo · September 10, 2020 at 4:16 pm
I have paid all my accounts but stil it says im under debts review
The National Debt Review Center · September 11, 2020 at 2:06 pm
Hi Tebogo,
Please contact your current debt counsellor to get clarity in this regard, alternatively, contact the National Credit Regulator on 0860 627 627 or send them an email at dccomplaints@ncr.org.za
If you’re unhappy with the service you are getting from your debt counsellor, you can transfer to us by applying here https://ndrc.org.za/apply-online/
Regards
Humbulani Alton Singo · February 9, 2021 at 2:45 pm
I need to be removed from debt Review
Maurice Chabalala · March 18, 2021 at 2:27 pm
I want to cancel debt review and also my name and my particulars be removed permanently please
jeffrey · March 21, 2021 at 10:56 am
Yes You Can Call me on 0737257687 then i will be able to assist you
Olga · June 21, 2021 at 9:42 am
Hi Tebogo I’m Olga Gumede I was on dept review but now I’m done with all payments but now I want to do something and I can’t move my name is still bad I need your help to remove my name please I will appreciate your help
Ben funeka nyola · September 30, 2022 at 11:44 am
I like u to help me with a counseling debt review removal please I need to clear my name on redflag
The National Debt Review Center · September 30, 2022 at 12:01 pm
Please call 0410125036 and select option 3 for our debt review removal department.
Jacob · February 21, 2024 at 1:43 am
I want to remove my name from Debt review.
The National Debt Review Center · February 25, 2024 at 12:18 am
Please contact our offices on 0410125036 or send a WhatsApp to 0727703674
The National Debt Review Center · August 20, 2020 at 2:56 pm
Please contact your current debt counsellor to get clarity in this regard, alternatively, contact the National Credit Regulator on 0860 627 627 or send them an email at dccomplaints@ncr.org.za
If you’re unhappy with the service you are getting from your debt counsellor, you can transfer to us by applying here https://ndrc.org.za/apply-online/
Regards
samantha · February 26, 2021 at 2:51 pm
Hi i need help to remove my name frlm debt review pls
Gontse from mafori group · May 13, 2021 at 10:53 am
Hello samantha
Motsamai isaac mbeo · March 3, 2021 at 4:47 pm
Is this company registered Clear debt Review
Sabathile Nompumelelo · March 8, 2021 at 11:31 am
I want to be removed from debt review
Yul Desrate Smith · April 5, 2021 at 6:48 am
Good day, I’m under debt review but have made my payments as per normal from day one and struggling to get my name of debt review. Please help. Also have a banking account that I can’t close and it cost me more than R200 a month because of this debt review l
Cecil wright · April 8, 2021 at 8:07 am
I need my name to be clear from dept review please
Lizette · July 22, 2021 at 1:34 pm
Hi Nancy can u plz help me i was under dep review but not anymore i just want to remove my name form dep review plz
Fundiswa Nqule · October 6, 2021 at 8:23 am
I have paid all of my debts and I need help to clear and remove my name permanently under the debt review removal process .
I need help
Noxolo · April 6, 2022 at 10:27 am
ninginoxolo@gmail.com hi ndicela ubhatalelwa onke amatyala am mna ndibhatale nina
The National Debt Review Center · April 6, 2022 at 3:24 pm
Please visit https://www.ndrc.org.za/debt-counselling to learn more about the program.
Collen malepe · May 6, 2022 at 7:03 pm
I am struggling with msd consulting to cancel my dept review. I don’t have even a month with them, they have not even started debiting stop orders in my account. I also ask them if it is not going to be difficult for me to take any laon, they said no. Now I want to trade in my car, the banks say they can’t finance me because I am under debt review. And to cancel that they want 75% and I have to find attorney to remove my dept review. Now I don’t know what to do
The National Debt Review Center · May 23, 2022 at 10:57 am
Hi Collen,
Please visit https://ndrc.org.za/debt-review-removal/ for more information and the online application form.
Regards
Marinda Schoonraad · July 28, 2020 at 6:15 am
I need help to remove my name from debt review
The National Debt Review Center · August 20, 2020 at 2:55 pm
Please contact your current debt counsellor to get clarity in this regard, alternatively contact the National Credit Regulator on 0860 627 627 or send them an email at dccomplaints@ncr.org.za
If you’re unhappy with the service you are getting from your debt counsellor, you can transfer to us by applying here https://ndrc.org.za/apply-online/
Regards
Kennedy malete · July 28, 2020 at 1:05 pm
I need help to remove my name from debt
I paid all my debt but my name is still on
Debt review
The National Debt Review Center · August 20, 2020 at 2:55 pm
Please contact your current debt counsellor to get clarity in this regard, alternatively contact the National Credit Regulator on 0860 627 627 or send them an email at dccomplaints@ncr.org.za
If you’re unhappy with the service you are getting from your debt counsellor, you can transfer to us by applying here https://ndrc.org.za/apply-online/
Regards
Nombulelo tokwe · August 2, 2020 at 12:24 pm
Need help please to remove my name at debts review. I was settle my account 2018
The National Debt Review Center · August 20, 2020 at 2:54 pm
Hi Nombulelo
Please contact your current debt counsellor to get clarity in this regard, alternatively contact the National Credit Regulator on 0860 627 627 or send them an email at dccomplaints@ncr.org.za
If you’re unhappy with the service you are getting from your debt counsellor, you can transfer to us by applying here https://ndrc.org.za/apply-online/
Regards
kelly · August 12, 2020 at 8:12 am
Hi i need help to remove my name from debt review am still under debt review i did settle all my accounts in 2018
The National Debt Review Center · August 20, 2020 at 2:58 pm
Please contact your current debt counsellor to get clarity in this regard, alternatively, contact the National Credit Regulator on 0860 627 627 or send them an email at dccomplaints@ncr.org.za
If you’re unhappy with the service you are getting from your debt counsellor, you can transfer to us by applying here https://ndrc.org.za/apply-online/
Regards
Nico Crouse · August 17, 2020 at 10:14 am
Hi I did not apply for depth review and my name is on it pls help to clear this
The National Debt Review Center · August 20, 2020 at 2:53 pm
Hi Nico
Please contact your current debt counsellor get clarity in this regard, alternatively contact the National Credit Regulator on 0860 627 627 or send them an email at dccomplaints@ncr.org.za
If you’re unhappy with the service you are getting from your debt counsellor, you can transfer to us by applying here https://ndrc.org.za/apply-online/
Regards
Siyabonga Valelo · August 20, 2020 at 12:50 pm
I need help ndc called me and we didn’t have an agreement ,I didn’t sigh any of their documents but my name is on Dept review please help to remove my there
The National Debt Review Center · August 20, 2020 at 2:53 pm
Hi Siyabonga,
Please contact your current debt counsellor get clarity in this regard, alternatively contact the National Credit Regulator on 0860 627 627 or send them an email at dccomplaints@ncr.org.za
If you’re unhappy with the service you are getting from your debt counsellor, you can transfer to us by applying here https://ndrc.org.za/apply-online/
Regards
Maxwell · September 15, 2020 at 10:31 am
Can you please remove me from debts (0768116876
Maxwell · September 15, 2020 at 10:32 am
Can you please remove me from debts (0768116876
Sifiso · September 20, 2020 at 10:27 am
Hi i was apply for debt review after i sign the paper work i decide to pay my self my credit
My name is under debt review they is other way to remove it
The National Debt Review Center · September 21, 2020 at 9:53 am
Hi Sifiso,
Please contact your current debt counsellor to get clarity in this regard, alternatively, contact the National Credit Regulator on 0860 627 627 or send them an email at dccomplaints@ncr.org.za
Vonani M Ngobeni · February 7, 2021 at 3:14 pm
Please remove my name from debt reviews
Johnstane Dhlamini · February 11, 2021 at 6:59 pm
Remove my from debt review
Edward · March 1, 2021 at 10:27 am
I need the company to help me to remove my name from dept review and clean my name to credit bereu
Naseema · March 23, 2021 at 3:41 pm
Good day my financial situation has changed I can afford to pay my creditors can I therefore have my name removed from debtreview,as I am able to pay the full installment I owe my creditors monthly
The National Debt Review Center · March 26, 2021 at 10:44 am
Apply Here https://ndrc.org.za/debt-review-removal/
Ndoyisile · April 23, 2021 at 1:24 pm
I want to remove my name from debt review
Tsheufatso Moseamedi · March 27, 2021 at 3:43 am
I need help to remove my name under debt review
The National Debt Review Center · March 29, 2021 at 10:28 am
Apply Here https://ndrc.org.za/debt-review-removal/
Prince · April 9, 2021 at 3:49 am
I need to remove my name from debt review
Treshwill · May 4, 2021 at 11:08 pm
I wanne cancel debt review
Anthony · May 13, 2021 at 2:02 pm
I need help to remove my name under debt review
Wandile Khanyeza · July 1, 2021 at 11:15 am
i want to removed red flag under my name and pay on my own. how can i do?
Lizette · July 22, 2021 at 1:36 pm
Good day im struggle to get my name of dep review i was under dep but not anymore
Thizwilondi reginald dama · July 25, 2021 at 2:35 pm
I want to removal my name from debt review
Abel Manyaapelo · August 10, 2021 at 4:12 am
I recently applied for debt review and only to find that they include my wife so I decided to cancel the arrangement. I later find out my wife’s name and my name are listed on debt review after deciding to pay my debts on my own. How can I get help to remove my name from debt review since I’m paying my debts on my own?
Thapelo mokoena · January 13, 2022 at 1:59 pm
Hi I’m interested on removing my name from dept review
The National Debt Review Center · January 18, 2022 at 2:36 pm
Please visit https://ndrc.org.za/debt-review-removal/ for more information or watch this how-to video here https://www.youtube.com/watch?v=0sEIj6fG6jk&t=479s
Elvrida · June 6, 2022 at 6:43 am
I want to clear my name but I have n credit card loan but I am onthe debt
Thabisile · June 26, 2022 at 10:43 am
Hi I need assistance I’m under debt review and have paid for my account when I send my paid-up letter to request for clearance certificate only to find out I was a transferred to another debt counselor who cannot be assisted if I don’t produce a court order or debt counselor application but yet everything was done telephonically please advise or assist thank you
Noza Themba Chauke · October 4, 2022 at 5:33 pm
I just find out that my I. D have opened the account that I do not know off but am willing to pay and clear my name.. Please help me
0789116553
The National Debt Review Center · October 4, 2022 at 5:36 pm
Please call us on 0410125036
Syvel · February 6, 2023 at 9:03 am
I want to remove my name under debt review I called my debt concellors to let them know that I want to cancel my debt review and they ask me pay some fees and did but still my name still reflect on the listing.
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Elsie Refilwe Nkosi · March 4, 2024 at 9:48 am
I joined a Company called Debt Eraser to assist me with my debts buit in 6 months i discovered my debts were paid but consumers kept on contacting me ad telling me my accounts are in arrears, i then decided to pay my own accounts, i was told by Debt eraser that i can contact them as soon as all is paid , but now i cannot get hold of them
Please can you assist as i need a Clearing certificate
Wher can i check if Debt eraser is Legit : NCRDC : 1606, FSP No.5392
Your assistance will be highly appreciated
The National Debt Review Center · March 4, 2024 at 4:35 pm
Good day Elsie, we find the following debt counsellor on the register of registrants with NCRDC code 1606. Mukesh Mohanlal, Incentive Debt Counselling Services, 031 409 9379, ibc@mailbox.co.za , 183 Klaarwater Road, Shallcross, Durban, 4093