www.debtcounsellingsa.co.za

DebtfreeSouth Africa’s free debt counselling magazine

April/May 2011

Section 129... what else can you be thinking about? The Appeals court have really done a number on us. Ouch!

If you don’t know what we are talking about head over to Brett Carnegie’s Article for a summary of what happened. Basically it is about to make things a little more complicated and will result (at least at first) in higher legal costs as consumers will have to try get these matters included in their debt review by the courts. Over the next few weeks we will see what Nedbank and FNB decide to do. We

Editor

CoNtENtSEditors notes

News

What’s going on

Debt Review Terminated?

Change your Domicilium

Meet the Commissioner

New Software

Service directory

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mention them since they have been the most proactive from a legal standpoint in trying to ensure their rights over those of other creditors by trying all sorts of legal shenanigans.

Hopefully after they have thrown some money at the issue and the courts have begun ruling in favour of the consumer having these matters put into their debt review, the creditors will not be so stringent in wanting these matters excluded from the review. After all the DC’s are trying to get them a fair portion of the available funds.

We have a few items of news for you as well like FRB who are trying to help DC’s and their staff build relationships by having the same people work on the same DC’s proposals each time. This seems like a good idea. Time will tell. We hope you are having a good month and handling the transition out of summer into the colder months of the year. Watch your electrical consumption as prices are up and increased usage may blow your budget. Be sure to read the savings tips article as well.

Here’s to being Debtfree!

NEWSdCASA ProPoSEd FEE iNCrEASE

DCASA has submitted a number of proposed fee increases to the DTI and the NCR over the last 3 years. The NCR conducted their own feasibility study into the profitability of Debt Counselling and agreed that an increase in fees was necessary. A proposed fee structure was approved by the Debt Review Advisory Committee (DRAC) on 8 February 2011 and by the NCR Board on 7 April 2011. The NCR’s Board did however request the NCR to make the proposed fee structure available for comments over the next 20 days. On conclusion of this phase it is envisaged that the new fee structure will be ready for implementation.

In addition to the above, Debt Counselling System Providers and PDA’s need to be informed on the proposed amendment of fees to enable system changes (if required) to accommodate the revised changes to the fees.

It is expected that the revised fee structure will be ready for implementation in the last week of May.

DCASA understands the enormous cost pressure experienced by Debt Counsellors over the last years and for this reason they are pleased that they have reached the final hurdle prior to implementation of the revised fee structure in May 2011. The final implementation date of the new fees will be advised during May 2011.

dC’s QUit

Over the last two months 72 DC’s have advised DCASA that they have left the industry. It is expected that many more DC’s are inactive or have left the industry. DCASA has requested reasons from these DC’s why they have made the decision to leave the Debt Counselling industry and the following responses were received:

a. Debt Counselling is not a profitable business.b. Inability to get cases finalised in Court as result of opposition by CP’s.c. Inconsistent requirements by Magistrates which delays cases.d. Bad service and high fees charged by Attorneys.e. The lack of the NCR not effecting much needed changes to the NCA to regulate the Debt Review process.f. Non payment of Consumers under Debt Review.g. CP’s acting in bad faith.

50% SoLVE rAtE

During last month the DCRS processed 475 cases and the solve rate was just over 50 percent. This means that the repayment plan proposed by the DC solves a 100 percent within the agreed restructuring rules.

iNdUStrY CoNSUMEr

NCr NAtioNAL rECord oF rEGiStrAtioN

Section 53 of the National Credit Act requires the NCR to establish and maintain a register of all registered Debt Counsellors on the NCR website.

The register is predominantly used by consumers seeking the assistance of either debt counsellors or credit providers and wishing to confirm registration details with the NCR.

The NCR is currently updating this database and are contacting all registered DC’s to try update their details.

Should you have any queries in this regard, please feel free to contact the National Credit Regulator on Telephone 011 554 2634, Fax 011 554 2628 or email codeofconduct@ncr.org.za

BEttEr JUdGEMENt

In the case of Elsie Gundwana v Steko Development CC and OthersCase No: CCT 44/10 recently it was decided that a judge has to rule on whether your home can be sold not just the High Court Registrar.

The case relates to Elsie Gundwana, who lives in Thembalethu township outside George in the Western Cape. Nedcor bank sold her house to collect a paltry R5268 arrears on her bond. Ms Gundwana claims that after issuing her a summons claiming payment on her bond, Nedcor Bank compromised its claim against her, as it had continued to take payment from her for four years before seeking a default judgment and selling her property.

Case Summary: The Constitutional Court on Monday ruled that only a judge – and not a high court registrar – could decide if a bank could sell a person’s home in execution. In a unanimous judgment, the court ruled that “where execution against the homes of indigent debtors who run the risk of losing their security of tenure is sought after judgment on a money debt, further judicial oversight by a court of law of the execution process is a must”.

FrB/dC rELAtioNSHiP MANAGErS

FRB (basically FNB’s Parent company) recently sent out a message to all DC’s saying/implying that all correspondence from DC’s will now be handled by one team within FRB. This should mean that a working relationship can be established as the two parties begin to deal with one another regularly.

http://twitter.com/Debtfree_DIGI

In its recent, and as yet unreported judgment delivered on the 28th March 2011 in the matter of Nedbank v the National Credit Regulator the Supreme Court of Appeal held that the notice envisaged by section 129(1)(a) of the NCA is specific and refers to a particular credit agreement calling on the parties to resolve their dispute and agree on a plan to bring the payments up to date. It is not directed at a declaration of over-indebtedness at all.

The court went on to state that the section 129(1)(a) notice is the first ‘step’ that the credit provider “has proceeded to take... to enforce that agreement’ as envisaged by section 86(2) of the NCA. It does not exclude a debt review save in so far as it relates to the particular agreement under consideration.

The Supreme Court of Appeal therefore concluded by stating that:

“It follows that by giving the notice envisaged by s 129(1)(a) the credit provider has proceeded to take the steps contemplated in section 129

to enforce that agreement’: a debt review relating to that specific agreement is thereafter excluded.”

In essence, once a section 129 notice letter is given that specific credit agreement is excluded from debt review.

It was however stated by the court at [11] that “But even if a particular credit agreement falls outside the scope of debt review a court may nevertheless, as provided for by section 85, in any court proceedings ‘in which a credit agreement is being considered’ and in which it is alleged that the consumer is over-indebted, refer that matter to a debt counsellor for evaluation and a recommendation in terms of s 86(7) or declare that the consumer is over-indebted and make any of the orders contemplated in s 87.

It would seem that the courts will now be faced with a plethora of section 85 enquiries.

Brett Carnegie

APPEALS CoUrt rULiNG 129

Debtplan is a niche based insurance service provider within the debt review industry. Our aim is not just to add value to consumers during their debt review process, by providing them with debt risk related products that can save them money, but also serving as the conduit between the debt counsellor and their client`s. Should you as a Debt Counsellor or consumer require further information on our products and services, please contact us on our toll free number 086 133 2875 or one of our relationship managers.

Eastern Cape:Ellen-Ed StoltzT: 041 922 87 36E: ellen-ed@debtplan.co.za

Western CapeSam Haasbroek T: 072 55 104 99E: sam@debtplan.co.za

GautengBianca MaraisT: 016 454 2300E: bianca@debtplan.co.za

GautengCharlene Green T: 016 454 2300E: charlene@deptplan.co.za

Call us on 0861 33 2875 www.debtplan.co.za FSP 30490

Debtplan is a niche based insurance service provider within the debt review industry. Our aim is not just to add value to consumers during their debt review process, by providing them with debt risk related products that can save them money, but also serving as the conduit between the debt counsellor and their client`s. Should you as a Debt Counsellor or consumer require further information on our products and services, please contact us on our toll free number 086 133 2875 or one of our relationship managers.

GautengCharlene Green T: 016 454 2300E: charlene@deptplan.co.za

Call us on 0861 33 2875 www.debtplan.co.za FSP 30490

The recent ruling by the Appeals Court is at first glance hard hitting one. No doubt the South African consumer is about to see a wave of section 129’s issued in regard to Bond and VAF accounts.

A Section 129 letter informs a consumer that they are about to be sent a summons and that the creditor is about to try get a judgment against them should they not settle up the account or make an arrangement to do so within the next 10 days. This letter also states that the consumer should approach a debt counsellor (as an option) since they are obviously experiencing difficulty repaying the credit facilities they have.

Before the new ruling by the Appeals Court, due to this wording in this letter it was assumed that the account for which the section 129 letter had been sent should be included if the consumer did approach a debt counsellor within the 10 days mentioned and excluded if they only did so after the 10 days mentioned. Not so any longer. Now the ruling indicates that this account should now be excluded from the debt review restructuring no matter when the letter was received.Will this prevent consumers from having these accounts included in their debt review?

Well... Not really. After all the account will either be included in the consumers monthly

running costs or in their proposed restructured repayment plan sent to the courts for a ruling.

The ruling by the Appeals Court while saying that accounts that had received a section 129 notice should not be included in a debt review (but that all other accounts should be) also highlighted the role of Section 85 of the NCA. This section discusses how any court hearing a matter where it is alleged that a consumer is over indebted may order a debt review to take place. Whether the wording here means that the account in question can be included in said debt review will no doubt still have to be argued but it does seem that this is the purpose of this section.

What this does mean is that there may now be another legal step in the debt review process for consumers who have received section 129 letters. As with all court activity if the consumer is represented by legal counsel this is going to cost them. Of course a consumer can represent themselves but most consumers do not feel confident enough to do so. So here is another potential cost.

Consumers will now have to enter a defense to the summons they receive for these 129 accounts and go to court and do a sect 85 defense asking the court to include this account in their debt review. This being the case DC’s will have to try contact the Creditor

BAttLEStAtioNS SECtioN 129CoNSUMEr iNdUStrY

in question on the consumers behalf (with power of attorney) and negotiate something first. If/when the Creditors refuses to make a reasonable plan the matter will have to be dealt with in court through Sect 85 (hopefully).

As always many creditors will co-operate with the purpose of the act and help make an arrangement outside the debt restructuring. This arrangement will then be included in the consumers budget section of their proposals to other creditors and to the courts.

However some creditors will try to railroad the consumer as always and try ensure they get first go at the consumers assets. However with the reserve bank warning the major banks not to sink the economy by auctioning off homes left and right and with the banks receiving so little on auction and with the courts hesitating to sell consumers homes for small amounts owing this does not mean that this will be the norm. In most cases where this happens it is important to note that it is the legal departments within these organisations and not the debt review departments or even the relative product house insisting on this action.

Since this could become the norm from certain creditors should DC’s even take the section 129 letters into consideration if the creditor does not wish to co-operate and negotiate outside the debt review process?

Well, if ANY court hearing the matter can make a section 85 ruling then there is good cause for DC’s to leave these accounts in the draft court proposal and not excluded them. Rather they should adjust their Founding affidavits to mention the matter and ask the court for a

ruling and when a creditor shows up to oppose the matter on the basis that a section 129 letter was sent out the DC can then ask for the matter to be included at this point.

Different courts will probably rule in different ways about this but at least an effort should be made to protect the consumer. Leave it up to the courts to decide. If these accounts are then excluded by the court they can simply be removed from the draft court order straight away and then hopefully the order can be granted for the other accounts.

What many credit providers legal departments fail to realise is that they cannot get blood out of a stone and that fighting the debt review process does not really help the creditor. Sure it makes the legal department look like it is busy doing it’s job but really little else is accomplished other than creating costs for the company.

Think of it this way: If the account is excluded from the debt review then should the CP wish to garnish the consumers salary for funds they will find that because of the debt restructuring

application there will only be a fair and proportionate amount (as proposed by the debt counsellor) left for them to take after a court performs a financial situation review by the court anyway.

CP’s will only be able to take a fair and propor-

tionate amount of a consumers salary

CoNSUMEr iNdUStrY

If a judgment (for instance a summary judgment) is achieved by the creditor then an application by the consumer can be made to make a payment plan through a court order for that account even though judgment has been granted. Once again in this case if the debt restructuring order or proposal to Mag court is in place only the amount proposed by the DC should be available.

Besides if one of the big banks consistently start enforcing this 129 matter and the debt counsellors have to leave the full demanded monthly amount for this creditor it simply means that there will be less money for all the other creditors that get included in the debt review. Pretty soon we will see accounts being paid off over more than 20 years again in proposals since one creditor is taking all the consumers available funds right now and all the other accounts are running up to induplum due to interest and receiving little or no funds.

All these nasty creditors can do is try to use the cost of the legal system to hurt the consumer which will gain them a bad reputation. Look what all the section 86(10) nonsense has done to Nedbank’s reputation. However if more and more consumers begin making court

appearances themselves and are well informed and prepped by their DC’s... there are a lot more consumers than creditors. Just based on capacity most creditors legal departments will quickly be overwhelmed as no doubt will the courts be unless they simply start making section 85 rulings.

A real concern is possible rescission appeals on existing court orders which could be a pain. (see the article in this months Debtfree DIGI by Kelly Benn in this regard) Presumably Creditors would only bother with this where large assets are concerned. These matters could be dealt with in exactly the same way but once again it is extra work for the DC.

Maybe if they try hard enough the CP’s can create so much work for the DC’s that they “drive” them out of the industry. However all this will mean is that smaller DC’s will fall away and only large DC firms with larger resources will be left over. This will make little difference to the consumer. So section 129 or not debt review will continue to try balance the needs of all creditors as well as the consumer.

Once the nasty creditors management get to see how much time and money their legal departments are wasting there will be a big shift in how they deal with the debt review process (and maybe a few people will get fired). After all DC’s ensure a fair and realistic ongoing distribution of available funds will be made to all creditors involved.

Do not fear the Sect 129 influx that is about to happen. Adapt your strategy, tell consumers they will have a bit more work to do and trust that the courts and common sense will prevail.

Once creditors see how much time and money

their legal departments are wasting there will be

a big shift in how they deal with debt review

So Debt Counsellors want specialised ATTORNEYSwho can sort out all their DEBT COUNSELLING needs...

RM Brown& associates

www.rmbrown.co.za

This is clearly a part of the Judgement that has shocked and ‘caught off guard’ DCs (Debt Counsellors) and clients alike.

A ‘blow’ at a time when some of the ‘legal mountains’ created by CPs (Credit Providers), out of the loopholes allowed by a poorly drafted NCA had just begun to appear a little less insurmountable, with a series of groundbreaking, precedent setting judgments bringing a little relief. All the more so, because many of these Judgments appear driven by interpretations based on strong ‘purposive’ arguments.

What is the overall original purpose of the Act/specific section? Supported by NCR driven arguments highlighting CP practices that counteract/subvert these purposes. The Recent Appeals Court ruling appears rather devoid of any traces of such input.

Strictly speaking, the legal minds of the Appeal Court were asked to examine the wording of the Act and consider other legal opinion. Having read the relevant section of this Judgment, I can once again clearly see how this interpretation was decided upon and we have to remind ourselves that the Sections in question have been ‘legally unclarified’ since the Honourable Ben Du Plessis was unprepared to rule on this in 2009. Sec 86(2) read with Sec’s 129 and 130 are clearly an interpretation

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nightmare. Once again this Judgment is given against the backdrop of highlighted sections of the Purposes of the NCA.

The challenge for DCs and clients at present is that we’re all too aware of the extent to which CPs often ‘enforce agreements’ with no apparent regard for the Purposes of the Act and its intended ethos. The very real fear here is thus that the CP’s will overlook the ‘consensual resolution’ focus and ‘eventual satisfaction of... obligations’ underpinning of this new understanding of Sec 86(2) and move swiftly to ‘attach goods’ to the detriment of over-indebted consumers.

Recourse through a Sec 85 application is not going to provide timeous solutions and will throw us back at the mercy of an overburdened Magistrates Court. It is going to be a nightmare trying to support/protect new clients with mortgages and vehicle asset finance. This also counteracts the Task Teams’ enhanced Debt Review Process and the NDMA’s web based central rules engine initiatives that seek more ‘consensual resolution’ of Restructured Proposals outside of the Courts?

There is little we can do to change this ruling at present. The next legal port of call would have to be the Constitutional Court. These sections can be targeted for NCA changes. Consumers need to be educated to get to debt intervention well before a Sec 129 is sent out.

All that is however in the future. Right now DCs’ morale needs addressing. This could be the ‘straw that breaks the camel’s back’ for many. What can be done? DCs need to band together through the Associations. A consistent set of process responses need to be decided upon and implemented with the assistance of DRAC. The NDMA should be engaged re the adoption of a constructive approach to the implementation of this Ruling by its members, one where common sense prevails.

Is this moment going to prove to be ‘one challenge too many’ for this Industry? Poor over indebted consumers have already lost their right to free debt intervention.

Are all financially burdened consumers about to lose the protections that were introduced on 1 June 2007? This is a battle that DCs must find the energy to take on. Too much is at stake!

Dawn JacksonNCR DC TRAINING COURSE FACILITATOR

Dawn Jacksondawnjackson.training@telkomsa.net

Cell: 072 1769789Fax: (021) 762 3940

As the weather starts to turn chilly, we find ourselves reaching for our blankets and turning on the heater. With the increase in the price of electricity by another 25.8% we need to find ways in order to keep our costs down.

Eskom has launched SA’s biggest energy saving movement – “49M”. This slogan aims to spur us, the 49 Million South Africans, to join the Deputy President of South Africa, Ministers of Public Enterprises and of energy to save power, our pockets, and our planet. Strange to think part of their business plan is to get consumers to use less of their product. However as in recent years the challenge Eskom face is that demand at peak times threatens to outstrip supply.

Brian Dames (Eskom’s Chief Executive) says: “The simple Truth is that Eskom cannot meet these challenges alone. We need the active support of the entire population….. 49M brings about a new way to grow and sustain South Africa as collectively we reduce our national electricity consumption, save money in the process, and simultaneously contribute to a climate change solution.”

We all have it within our power to make a difference to the energy efficiency in South Africa, so why not make it start with you and your family!

Lets talk practically, how can we keep our electricity bill down to an affordable amount?

GENErAL

• If you’re not using an appliance, switch it off & unplug it from the wall.

• Use electrical appliances where possible outside of Eskom’s peak demand hours of 06:30 -10:00 and 17:00 - 21:00.

• Use energy saving globes (CFLs) instead of incandescent bulbs. Sure the light is a bit washed out but the savings and lifespan of these bulbs makes it worth it.

• Use fewer bulbs with higher wattages. For instance, one 100 watt bulb produces the same light as two 60 watt bulbs.

• Wear warm clothes and use hot water

tiPS to SAVE

CoNSUMEr

bottles and avoid using heaters.

• Electric blankets are the cheapest way of staying warm in bed although don’t keep them on throughout the night. Turn them on for an hour or two just before bed to heat it up.

• Switch lights off when they are not needed.

iN tHE BAtHrooM

• Instead of a long bath rather shower, as showers use less water and energy. Energy and water-saving shower heads use less water and electricity.

iN tHE KitCHEN

• Do not fill a kettle if only a small quantity of boiling water is required. (It is more economical to boil water in a kettle than in a pot on the stove).

• Making toast in the toaster costs R4,83 whilst it costs R10,40 to make it in the oven.

• Use pressure/slow cookers when preparing foods that take a long time to cook.

• Match pots and pans to stove plates. Small pots on large plates waste electricity. Do not use pots with distorted bottoms.

• Switch off the plates or oven before food is fully cooked, allowing completion of cooking at a diminishing heat. Keep oven doors closed until food is cooked.

• Use the microwave to cook small to medium quantities of food. For larger portions of meat, it is better to use a conventional oven

or pressure cooker.

• When you defrost food, leave it in the fridge overnight. You will use less electricity than defrosting food in the microwave.

• Don’t open the Fridge door unnecessarily and make sure the seal is intact.

• Defrost fridges regularly. A build up of ice reduces operating efficiency and increases running costs.

• Turn off the Dish washer before drying cycle and wipe dishes clean with a dry cloth.

• Always use an iron that is thermostatically controlled. You can avoid ironing clothes by removing clothing promptly from tumble dryer and folding them carefully.

• Remove water before putting clothes into the tumble dryer, and utilize sunny days for drying clothes outside.

• Wash clothes in cold water. Wash only full loads in the washing machine and dishwasher.

• Make sure you have a full load before washing & select the shortest possible washing programme.

Whether you are under Debt Review or not, cost saving tips are for everybody!

Some content taken from Eskom’s Media statement of 18 March 2011.

CoNSUMEr iNdUStrY

The Consumer Protection Act (CPA) came into effect on the 1st April 2011 and will have vast consequences on all companies and persons who sell goods and who provide services.

The purpose of this Act is to level the playing field of consumerism, and finally brings our consumer legislation on par with international consumer law. Previous legislation has been consolidated, the consumer rights of the United Nations adopted and for the first time in our history the consumer is now properly protected.

Under the CPA the rights of consumers are clearly defined. The good news is that at least as consumers we are now properly protected but the bad news is that we as suppliers are exposed to potential claims and fines.

The problem that the Act may cause is that a consumer will be able to claim that he was not informed or that “he did not know” and you (the supplier) could be held liable. We are now getting on par with American law where big claims can be made against companies for little reason and it is therefore better to pre-empt any problems.There is good news as well and particularly I wish to point out the cancellation of cell phone or gym contracts. Any contracts en-

tered into after the 1st April that is a term con-tract (for 1 year or 2 years – this includes lease agreements) will be subject to section 14 of the CPA. This will mean that the supplier can-not enforce the term any longer, as the con-sumer (and the supplier) will be able to cancel the agreement with 20 days’ notice. This will mean where your client has such a contract, you can cancel the agreement to avoid his/her further liability.

What is important to know is that a consumer has a cooling off period of 5 business days and will have the right to cancel agreements within the cooling-off period, without provid-ing reasons or incurring penalties for doing so.

The general nature of this article unfortunate-ly does allow for discussing any of the specific rights in detail, but suffice to say it is impor-tant that when a debt counsellor registers a new client, the following must be in place:

A mandate letter clearly setting out the con-tent of discussion with a client, the advice that was given, the full details of the debt counsel-lor, who will work with the matter, what the fees are, when fees are payable and the con-sequences of when no payments are made, the procedure of debt counselling; (the attor-ney who brings the application on your behalf

THE CONSUMER PROTECTION ACT

should also provide a mandate letter to the client setting out the above clearly). This letter must be signed by your client, preferably in the presence of witnesses. (This letter should be comprehensive and include as much detail as possible).

Clear display of the debt counsellor and/or any of his/her representatives: registration number, name of company or person, name of representative, capacity of person dealing with the client. All documentation must be in simple, easy to read language. Remove any legal jargon from your documentation

Every person should familiarise him/herself with the Act, so as to get all contracts and documentation in order. It is imperative that initial contact with a client is clearly defined as to avoid potential liability later. If a supplier is found to have contravened the Act, they could face and Administrative fine of up to 10% annual turnover or R1million, whichever is the greater. A risk none of us would like to be exposed to.

Enter the teething problem period of yet an-other new Act!

By Nanika Prinsloo of Prinsloo & Associateswww.empowerlaw.co.za

dEBt CoUNSELLiNG

AA debt Counselling CentreAnthea JohannesNCRDC531Tel: +27 (0) 21 982 0522Cell: +27 (0) 84 402 7032

Alan Watts NCRDC 962NCR registered Debt Counsellor Tel: 084 4448439 Fax: 086 6501954alan@active-debt-counselling.co.zawww.active-debt-counselling.co.za

Central SA debt Counsellors082 950 7806Fax: 086 563 1621

Consumer AssistAndre Snyman Tel: 0861 628 628

Credit Matters021 431 9100info@creditmatters.co.za

darran ManikamNCRDC704debt@mailbox.co.za

debtbusters0861 663 328 (NO DEBT)

debtSafe0861 100 999

debt rehabColleen Van Wyk(BCom, LLB)Debt Counsellor NCRDC2619Tel: 083 290 0848Tel: 011 740 7374Fax: 086 716 9694Website: http://debtrehab.co.za

debt rescueNeil RoetsNCR DC 474Cell: 083 644 7406Tel: 0861 800 009Fax: 086 523 0617E-mail: admin@debtrescue.co.zawww.debtrescue.co.za

durban debt Counselling ServicesSuite 112, 1st floor Union Club Building353 Smith StreetDurban, 4001Tel: 031 301-7893Fax: 031 301-5809phumla.ngema@telkomsa.net

debt Counselling South AfricaCape Town BranchTel: 021 919 66 94Rod De WittNCRDC831Visit: www.debtcounsellingsa.co.za

debt Knowledge debt Counselling082 379 2337

debtonators041 585 0276

Fincorp debt Counsellors ccCecilia Zwarts fincorpdc@yahoo.com

Holistic debt Counsellorsinfo@holisticdc.co.za

Helpdesk debt CounsellorsAllan HoffmanTel: 0861 000 754

Help-U-debt (Vaal triangle) WanineTel: 082 445 3967

Help-U-debt (Potchefstroom)Madra083 390 3275

Help-U-debt (Parys)Marilouise082 920 6249

Help-U-debt (Vanderbijlpark)Herma083 320 8303

MG Consulting For your Debt Counselling ServiceM.C. CambourisNCRDC1403Telephone: 021 919 4618082 450 7459 082 782 0595Fax: 086 622 0690Bellville

NdA debt CounsellorsYour Trusted Debt CounsellorsGary Williams (NCRDC 143)Tel: 034 315 3880 Fax: 086 612 4112gary@ndad.co.za www.ndad.co.za

think Green debt CounsellingSandi Pauwsandipauw@mweb.co.zaTel : 012 991 6638Cell : 082 460 7800Fax : 086 219 2615

SErViCE dirECtorY

BordEr rEGioN:

DRS EAST LONDONOffice: 043 7212 656

DRS KING WILLIAMS TOWNHarry LightCell: 082 573 5803Office: 043 643 3024Email: harry@drssa.co.za

drS CrAdoCKHerman Marais Cell: 082 378 3743 Fax 045 838 6572Email cradock@drssa.co.za

drS QUEENStoWNHerman Marais Cell: 082 378 3743 Office: 045 838 9764Email herman@drssa.co.za

drS MtHAtHAHerman Marais Cell: 082 378 3743 Office: 047-5323356Email herman@drssa.co.za

EAStErN CAPE:

DRS ALBANYOffice: 041 365 5857

DRS ALGOACraig WheetmanCell: 083 299 0311Office: 041 364 1888Email david@drssa.co.za

DRS BOND CHOICE P.E.Office: 041 393 7000

DRS CENTRAL041 586 2020Email leon@lynxsa.com

DRS DESPATCHOffice: 041 933 1189DRS HUMANSDORPOffice: 042 291 0135

DRS KIRKWOOD EXPRESSOffice: 087 8080 500

DRS PORT ELIZABETHOffice: 041 453 8961

DRS SIDWELL EXPRESSOffice: 041 451 0474

DRS SOMMERSET EASTLuther De BruynOffice: 042 243 1107

FrEEStAtE:

MANGAUNGZune CoetzerOffice: 051 436 4515Email zune@drssa.co.za

SOUTH FREESTATEOffice: 053 591 0734

GArdEN roUtE:

DRS GEORGEOffice: 044 874 2820Email francoisv@drssa.co.za

GAUtENG:

drS PrEtoriA CENtrALIvan MabuthuCell: 082 266 6210Office: 012 320 8304Fax: 012 320 8388drspretoriacentral@drssa.co.za

DRS CENTURION EXPRESSOffice: 012 653 0127

DRS HARTEBEESPOORTOffice: 012 253 1231

DRS LIMPOPO CENTRALOffice: 015 297 1387

DRS PRETORIA NOORDOffice: 012 546 2187DRS ROODEPOORT EXPRESSOffice: 011 472 4171

DRS RUSTENBURG 083 740 4620

DRS ZAMBESI EXPRESSOffice: 012 7555 225

KWA ZULU NAtAL:

drS MorNiNGSidEEricah MtshaliCell: 076 578 8660 Office: 031 301 5993 email ericah@drssa.co.zaDRS DURBAN NORTH EXPRESSOffice: 031 584 6305

DRS GREYVILLEOffice: 031 309 8716

DRS KOKSTADOffice: 039 727 1430

DRS PHOENIX082 374 7040

WEStErN CAPE:

DRS BELLVILLEOffice: 021 948 8523 / 4

DRS DIAMONDOffice: 021 421 8563

DRS TYGERBERGOffice: 021 945 4062

DRS WEST COASTMarius CoetzeeCell: 082 978 4407Office: 022 713 3766Email mariusc@drssa.co.za

Debt DRS SALDANHAOffice: 022 714 3939

DRS SOLUTIONS084 586 5600

dEBt CoUNSELLiNG CoNt’d

incentive debt Counselling“Paving the way to a Debt Free Tommorrow”Darran Manikam NCRDC704Tel: (031) 409 9379Fax: (031) 409 1327Cell: 0845898286Branches: Phoenix and Shallcross

indigo debt counsellors CCTel: 087 808 9734 Fax: 086 580 8675 indigodc@iburst.co.za

ramonti debt CounsellingJacob Ramonti - NCR DC 932Cell : 082 962 4537Fax: 086 658 7627Email:ditsamai@yahoo.co.ukSoweto

U-Win debt CounsellorsCoreli Roos - NCR DC 509Aliwal North, Burgersdorp, Bethulie, GariepDam, Smithfield, SpringfonteinCell:079 626 66241croos@global.co.zarihanyo debt Counselling(012) 804 50 57

SUPPort SErViCES

Staff Line Ndizani Executive recruitmentCell no: 083 3028163Direct Line: (011) 468 - 2150E- Mail: saki@staffline.co.za

Blank designFor all design and marketing needs including websites, brochures, business cards etc.Steve Rosenbergsteve@blankds.com083 700 2020www.blankds.com

designtimesSouth Africa’s creative resourcewww.designtimes.co.za

FiNANCiAL

ABSA Customer debt repair Line0860 356 356

Credit ombudsman0861 662837

Experian011 799-3400 debtcounsel@experian.co.za

Eric StresoFinancial PlannerB Juris LL B CFP MBATel: 0833273358Fax: 086 612 7912Fair debt0829019788 or 012-3772558ray@fairdebt.co.za

PACFiN Financial Solutions Head OfficeTel: +27 11 9757445Fax: 086536878336 Van Riebeeck roadKempton Park 1619pieter@pacfin.co.zaMonte Carlo BuildingNo 8 VoortrekkerstreetKempton Park 1619

Kempton ParkContact: Reyno CoetzeeTel: +27 11 3945363Fax: 0866048002Cell: +27 73 3690884kemptonpark@pacfin.co.za

Boksburg / GermistonContact: Armand PosthumusTel: +27 11 8921911Fax: 0865620378

NelspruitContact: Ann BakerTel: +27 13 7415559Fax: 0880 1374 15559Cell: +27 82 9024236jeleroux@telkomsa.net

SpringsContact: Wynand MclachlanTel: +27 11 8113728Fax: +27 11 8113728Cell: +27 83 2754014/5wynmc@telkomsa.net

Gooseberry Business AdvisoryTel: 012 644 0589

NedbankDebt Rehabilitation & Recoveries Services0860 109 279

Std BankDebt review HelplineTelephone: 0861 111 402

transUnion0861 482 482thinkmoneyFinancial comparison websiteContact: Gareth MountainTel: 079 0996 798www.thinkmoney.co.zaWiZArd Vereeniging Making Mortgage MagicWanine SmitTel:+27 16 454 1132Fax:+27 86 686 3678 Cell:+27 82 445 3967 www.wizard.za.com

FiNANCiAL PLANNiNG

Eric StresoFinancial PlannerB Juris LL B CFP MBATel: 0833273358Fax: 086 612 7912

LEGAL

Brett Carnegie AttorneysTel: +27 (21) 4470332 Fax: +27 (21) 4470338 Mobile: +27 (0)82 320 6099 www.carnegielaw.co.zaSuite 23(B) Unit 8 Waverley Business Park Mowbray 7700

Scheepers AttorneysGerhard Scheepersschlaw@iburst.co.za

LUCid AttorneysTel: 011 880 1100Fax: 011 880 1101Email: info@lucidsa.comwww.lucidliving.co.za/attorney

Ludick Attorneysbev.ludickattorneys@gmail.com

Prinsloo & AssociatesAttorneys and conveyancersNanika Prinsloo Farm Bergamot, Paarl 7620P O Box 6199, Paarl 762014 Laing Street, Barrydale 6750Cell: 072-8558-106Fax: 086-623-5986

nanika@vodamail.co.zawww.empowerlaw.co.za

rM Brown and Associates 601 Pier House, 13 -17 Heerengracht, Cape TownDocex 138 Cape Town t: 021 431 9127 f: 021 425 0875 e: lodea@rmbrown.co.za

Agiliti CCColleen Van Wyk(BCom, LLB)Tel: 083 290 0848Tel: 011 740 7374Fax: 086 716 9694Website: http://agiliti.co.za

CrEdit BUrEAUS

Compuscan 0861 514 131www.compuscan.co.za

Computer Profile Bureau0861 28 7328www.c-p-b.co.za

Experianwww.experian.co.zaBusiness- 0861 63 60 70 Consumer- 0861 10 5665 Micro Lenders Credit Bureau 0861 28 7328 www.mlcb.co.za

transUnion 0861 886 466www.transunion.co.za

XdS 0860 937 000 www.xds.co.za

otHEr

Association of debt recovery Agents: 011 781 3337 www.adraonline.co.za

Banking ombud0860 800 900 www.obssa.co.za

Credit Bureau Association011 886 8519 www.cba.co.za

Credit Providers Association011 789 6825 www.cpa.org.za

department of trade and industry0861 843 384 www.thedti.gov.za

Financial Advisory and intermediary Services ombud012 470 9080 www.faisombud.co.za

Financial Services Board012 428 8000 www.fsb.co.zaFurniture traders Association 011 789 6770

Legal resources Centre011 836 9831 www.lrc.org.za

Long term insurance ombud021 657 5000 www.ombud.co.za

Micro Finance South Africa012 345 0809 www.mfsa.netMotor industry ombud012 841 2945 www.miosa.co.za

National Credit regulator0860 627 627 www.ncr.org.za

ombud for Short term insurance011 726 8900 www.osti.co.za

Pension Funds Adjudicator021 674 0209 www.pfa.org.zaSouth African Fraud Prevention0860 101 248 www.safps.org.za

the Banking Association011 370 3500 www.banking.org.za

SA FrAUd ProtECtioN SErViCE (FrEE SErViCE)www.safps.org.za0860 101 248

if you want to subscribe, advertise or be listed in our directory please contact us! magazine@debtcounsellingsa.co.za

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www.debtcounsellingsa.co.za

DebtfreeSouth Africa’s debt counselling magazine

February 2010