Debt Review & Debt Review Removal Reports
NDRC publishes operational quarterly data to contribute structured insight into the functioning of the debt review system under the National Credit Act.
What This Publication Is
NDRC publishes quarterly reports analysing operational outcomes within the debt review system — including debt counselling activity, creditor responses, court processes, and debt review removal pathways. Reports are compiled from anonymised operational data managed by the practice since 2020, aggregated in compliance with POPIA. They are not NCR publications, legal advice, or marketing material. They are structured for accessibility without compromising legal accuracy.
Data Sources & Method
Reports draw on anonymised data from debt review and removal matters managed by The National Debt Review Center, including:
- Debt review applications, restructuring proposals, and creditor responses
- Court outcomes, clearance certificate issuances, and bureau processing
- Removal pathways, including court-based and voluntary removals
Data is sourced from internal case management systems, financial assessment platforms, and court and credit bureau outcome tracking. Each report includes a methodology section, defined terms, data source disclosure, and clear labelling of inferred or intake-reported information.
This ensures consistency across quarters and protects interpretive integrity.
Report Categories
1. Quarterly Debt Review Reports
URL pattern: /reports/debt-review-qX-YYYY/
Analyse affordability trends, creditor response patterns, restructuring outcomes, and court escalation metrics within a defined reporting cohort.
- Consumer income and debt composition at intake
- Interest rate restructuring and creditor acceptance
- Court escalation and consent order rates
- Longitudinal dataset from 2020
2. Quarterly Removal & System Friction Reports
URL pattern: /reports/removal-qX-YYYY/
Examine removal pathways, court and bureau processing timelines, system friction points, and outcome distribution across accepted matters.
- Removal pathway distribution and success rates
- Court and credit bureau processing delays
- Structural failure points in the removal process
- Consumer reasons for exiting debt review
How to Interpret the Data
- Percentages reflect observed outcomes within the reporting cohort
- Timeframes represent median durations, not guarantees
- Where approximations are used, they are applied conservatively and disclosed
- Comparisons between quarters should consider external factors such as court availability and creditor behaviour
Published Reports
Debt Review Reports
Regulatory Position
These reports are based on anonymised operational data from matters managed by The National Debt Review Center (Pty) Ltd (Registration: 2014/286439/07). They do not represent national debt review statistics or NCR publications. The National Debt Review Center operates in terms of the National Credit Act and presents these reports for educational and policy discussion purposes. They do not constitute legal advice. NCR Registration: NCRDC3106.