banking services
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I want to complain about my banking services

If you are unhappy and need to complain then remember that you can complain to the Credit Ombud if you have a dispute with a credit bureau, a Debt Counsellor (DC) or a credit provider but not if the credit provider is a bank (unless you are…
Debt Vader Talks Virtual Arrears
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Debt Vader Talks Virtual Arrears

Debt Vader Talks Virtual Arrears As the Debt Counselling industry evolves, it becomes more and more evident that credit providers treat Debt Re-arrangement Court Orders as inconsequential, even going so far as to ignore the court orders by…
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If you are under Debt Review

Well, if you are under debt review a diet (if that’s what you call just eating less) is a great way to cut down on the crazy raising food costs and exercise is a great form of entertainment that can be achieved for minimal costs. Prices are…
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Know and Understand Your Rights, Urges the NCR

Know and Understand Your Rights, Urges the NCR As part of Consumer Rights Month, the National Credit Regulator (NCR) has urged consumers to be aware of their rights when it comes to credit agreements. “It is your money and therefore, it…
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Debt Review – How it works - Part 3

Debt Review – How it works - Part 3 The Payment Distribution Agencies (PDA’s) The payment distribution agencies are companies that distribute consumers funds for them. You won’t find them mentioned in the NCA at all but the National…
contract with your PDA
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Do you have a contract with your PDA?

Do you have a contract with your PDA? If you are a debt Counsellor or a consumer who is under debt review you might be making use of a Payment Distribution Agent (PDA). It is widely known that while PDA’s are not mentioned in the National…
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The costs of ignoring Section 129 letters add up

The costs of ignoring Section 129 letters add up The National Debt Mediation Association (NDMA) says it is concerned that consumers are not aware of the costs of legal action should they delay seeking assistance when they start experiencing…
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Debt Management Benefits

Debt Free With Zero Debt The National Credit Act Protects You!   Debt Management Benefits     Reduced interest rates down to 0%, accepted by creditors Monthly repayments reduced No additional loans 95% of…
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3 Important Debt Review Questions

3 Important Debt Review Questions People in debt review often encounter procedural problems and mistakes that make matters worse. Credit providers (CPs) may give the impression everything is the debtor’s fault. Closer examination reveals that…
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Keep your eye on your money

Keep your eye on your money When consumers enter debt review it is sometimes partially due to them having experienced difficulty managing their monthly budget. It is a challenge to balance what comes in with what goes out. Few consumers…