Debtfree DIGI Dec 2011

www.debtcounsellingsa.co.za

DebtfreeSouth Africa’s debt counselling magazine

December 2011

NCR accredited payment distribution agency

You may look at the beautiful covers of this magazine from time to time and wonder why they feature such nice shots of happy people and exotic places, where everything seems so calm and peaceful when the topic of the magazine is debt, which is generally anything but peaceful, stress free and fun. Well, here at Debtfree we believe that if you are looking into the process of debt review or are already under debt counselling then you have taken your first steps along the way to being totally debt free and hopefully you will soon not only have paid off your debt but even be saving up some money to head off to one of these lovely

EDITOR

CONTENTSEditors notes

News

2011 The year that was

2011 Timeline

PAIA

PAIA Downloads

Directory

03

05

09

10

17

18

25

places on the cover. As another year comes to an end it means you are one more month closer to being out of trouble and in control of your future again. Imagine just been able to answer calls from unknown numbers and not worrying about who it might be. Well, soon this could be your life.

At the moment you might be worried about this PAIA story you keep hearing about and we intend to help you reduce your stress in this area by having a look at the subject and giving you some simple guidelines on how you can become compliant with this Act chop, chop. In our main feature we look back at the year that was and take a moment to reflect on what a hard year it was for consumers rights under debt review and all the extra work this has caused for Attorneys and DC’s. We also look at recent industry news as usual. So enjoy the magazine and take a moment to stare at the cover and picture yourself there. Soon you could be there; relaxed and debt free.

http://twitter.com/Debtfree_DIGI

Bitech is recognized as the leading Debt Counsellor (DC) software system supplier:

• Simplicity is rich in functionality and caters for all DC requirements effortlessly.

• Simplicity is leading edge technology and we stay at the forefront of development - we are on top of our game.

• The system is fully integrated with Hyphen PDA, which provides you, the DC with an uninter-rupted and efficient service with no manual intervention and in total control.

• Some features of the system are absolutely unique, for example the ability to create custom-ized legal documentation instantaneously.

• Bitech prides itself in its after sales service and support for its DC’s - this is as important as the excellence of Simplicity itself.

• Hyphen PDA is a division of Hyphen Technology (Pty) Ltd, which is wholly-owned by the FIR-STRAND GROUP - financial soundness is important when considering a PDA!

• The PDA is top of its game and is unrivalled in the collections and payments space.

• Hyphen PDA essentially operates with the use of banking systems (iSeries mainframe comput-ers) and the PDA and the Payments Engine are fully integrated - as a result you will seldom, if

ever, query the status of your collections or payments.

• The reports generated are everything a DC will need to manage the business- reporting is immediate, current and always available.

CONTACT BITECH

016-9875004 / 016-9875006 / [email protected]

CONTACT HYPHEN PDA

011-3030060 ext [email protected]

NCR to investigate banks insurance products and charges

The Financial Services Board (FSB), the National Treasury and the National Credit Regulator are about to launch an investigation into credit life assurance in general, and the investigation will include the banks’ assurance products.

FAIS contravened by major banks?

Banks may be contravening the Financial Advisory and Intermediary Services (FAIS) Act by not ensuring that employees who issue personal loans and sell life assurance to cover debt are registered as representatives of financial services providers . When asked whether Nedbank was contravening the FAIS Act, Nedbank replied that the Act was “not applicable, as bankers and personal loan agents, who grant personal loans, are not registered under FAIS to provide advice”.Obviously this is the point so when pressed for more info Nedbank said:” due to the fact that personal loan consultants do not provide advice, and perform clerical and administrative services in a subordinate capacity which does not require judgment on the part of consultants, the consultants are not considered to be representatives in terms of FAIS, and accordingly are not required to be registered...We are compliant with the requirements of FAIS and are in line with the unsecured lending

industry and our competitors.”Gerry Anderson (the Financial Services Board’s deputy executive in charge of market conduct) says: “I have perused the response received by you from Nedbank. It is incorrect to state that an individual who is involved in the sale of an insurance product of any nature (including a bank employee) is not required to be FAIS-registered. The provision or not of advice in such cases is not the determining factor, as intermediary services (the other leg of FAIS) may be involved.”An investigation into this matter is being launched by the FSB.

Banks push short term unsecured loans

The Consumer Credit Market Report, recently released by the NCR, shows unsecured credit extended to consumers rose 12% to R21.21 billion in the third quarter of this year from R18.95 billion in the second quarter.At the end of September, unsecured credit accounted for about 8% (R101 billion) of the R1.27 trillion owed by South African borrowers. Which was twice as much as in the few months before. Banks can charge much higher interest rates (up to 32%) for these short term loans and thus they can be very profitable.

NEWS FLASHINDUSTRY CONSUMER

We currently serve Gauteng and surrounding areas only. Only exceptional cases in other areas will be considered.

Westcliff White House, 54 The Valley Rd c/o Jan Smuts, Westcliff, Johannesburg. Tel: 011 215 0039 (direct) 011 215 0000 (switchboard) 072 616 1099 (company cell) SAinDebt Solutions (Pty) Ltd. Reg. No.

2007/023854/07

The Alternative Solution• This product was specifically designed to assist Debt Counsellors Clients... New, Existing or those that do not qualify.

• No credit is created. “The Alternative Solution” was presented to the NCR.

Who can we help?• Clients that own property. (See Residual Value Calculation at www.saindebt.co.za)

How do we help?• SAinDebt provides the funds to stop the legal action (if any),

• Cash advances can also be provided to the client.• NO upfront cost.

What are the benefits for Debt Counsellors?• Debt Counsellors can provide clients with an “Alternative Solution”.

• The counsellor earns a referral fee.

Does your client qualify and what does it cost?

Go to www.saindebt.co.za now or contact us during office hours for an upfront no-cost quotation and more information.Contact:

Wirie Rust / +2782 552 8835 / [email protected] Papenfus / +2772 616 1099 / [email protected]

E-mail [email protected] Website www.saindebt.co.za

Standard Bank were lying about Credit Card charges but only because they did not know...

Standard Bank have been saying that petrol purchases made with their credit cards do not have a transaction fee and are interest free (as normal during the first so many days on a credit card transaction) attached. Investigation recently revealed that this was in fact not the case and that charges were being applied to consumers who were using their credit cards to buy fuel. Standard Bank have been charging a transaction fee of R3.85 and interest from the time the card was used to buy fuel.Sugendhree Reddy, the director of banking products at Standard Bank, says that “no one at the bank knew” that charges and interest apply to fuel purchases on the bank’s credit cards. We acknowledge that fuel purchases on a credit card are treated as a cash advance, meaning we charge a transaction fee and interest from the transaction date. But Standard Bank is reconsidering its position. Especially since the other major banks do not charge for these transactions. “We would have to make system changes, which take time, but by the end of January we would like to have rectified this,” Reddy says.

1000000 new credit Accounts in last Quarter.

The recent NCR Credit Bureau Statistics Report shows that over a million new credit accounts

were opened in the last quarter. With over 19 million South Africans having credit accounts. Over 16 million different accounts were reported as “impaired” or in trouble due to non payment or late payment during this time.

Dirty Fuel embarrasses banks

ABSA, Nedbank and Standard Bank were recently named (in a report from GroundWork & Earthlife Africa ) as major investors in Coal fuel projects which contribute to climate change and other ecological issues. Standard Bank had a reported total of more than R4,5 Billion tied up in project finance, investment banking, corporate loans and assets related to the coal-energy sector; Nedbank had a total of R1,2 Billion.

Late November 86(10) Spree by Banks

Many DC’s are reporting an increase in 86(10) notices. Particularly from ABSA, Standard Bank and Nedbank. Most DC’s feel these notices are unwarranted as consumers have been paying regularly. Consumers will now have to defend these matters using Section 86(11) of the NCA. Most will be successful however it will incur extra costs and delays.

NEWS CONTINUED

Nedbank goes after Debt Review Consumer’s car because he was R41 behind on payments.

Port Elizabeth High Court judge, Judge Irma Schoeman has blasted an attempt by Nedbank to try to repossess a client’s R267 000 car after he fell behind on his restructured repayments by R41.Nedbank decided they wanted to terminate the consumers debt review (in the post Collett madness) and issued summons which the consumer decided to defend since he had been making repayments. Nedbank then proceeded to make a summary judgment application in order to repossess the Citroen. Unimpressed, Judge Irma Schoeman questioned the bank’s decision to bring the application, asking counsel if they were “really serious” about it. This application was one of several which have brought recently where banks are pushing courts to rule that consumers who did not follow their debt review agreements “to the letter” should not be entitled to the continuous protection of the National Credit Act.When the consumer applied for Debt Review a year ago he was around R30 000 in arrears. After entering debt review the bank kindly agreed to restructure his debt, which meant he could pay smaller installments. They later changed their minds after the Collett ruling because of some delays in certain payments.In Court, the consumer admitted he had not always been able to make his payments on the third day of the month, as stipulated, because of transaction limits on his account. He said

he paid the PDA before the seventh day of each month, except for a small miscalculation, which meant he owed the bank R41. He also pointed to the PDA’s role in distributing funds and his DC explained that the consumer then had no control over when the payments were made by the PDA themselves.The Advocate for Nedbank, argued, that “paying late and paying short” were the same thing. Judge Schoeman then asked: “Are you seriously applying for the summary judgment for R41″. The Advocate answered that the man owed the bank much more than R41 (talking about the over all balance of the account). Judge Schoeman then dismissed the application by the bank.

It is hoped that these sort of results will see the big banks, like Nedbank, reducing unnecessary legal action against debt review consumers who are paying regularly. It is also hoped that costs are always rewarded against the banks in cases like this. Legal costs in these matters cause payment terms to be prolonged if costs are not awarded to the consumer. However such silly and frivolous terminations are common even when consumers are paying regularly. It is hoped that the big banks find a way to reduce these matters and avoid these unnecessary costs and delays.

more news at www.debtfreedigi.co.za

NEWS CONTINUED

INDUSTRY CONSUMER

THE YEAR THAT WASThere is no doubt that it was a tough year legally speaking for consumers. The early “high” of Wesbank v Papier which said that Creditors should not issue Section 86(10) notices once a matter was set down to the “lows” of the Collett SCA decision - which allows for Creditors to try their luck in other courts even if the matter is set down at Magistrates Court. This is something that many bond and Vehicle finance Creditors then proceeded to do. The Collett judgment meant that consumers could then successfully defend matters (as long as they were regularly paying) but there were now extra costs involved. Many Consumers have racked up bills of around R18 000 defending homes meaning that homeloan repayments via debt review have to be put on hold while these costs are paid to attorneys. At the same time Banks are seeing their debts grow while these costs are paid and grow more frustrated. All in all the 86(10) process as laid out in Collett is costing both sides a lot of

money and mostly not accomplishing much good. If the cases where the bank gets leave to auction of properties or vehicles they are receiving poor recoveries and face decades long post debt review recovery attempts from consumers who will never use their services again. The section 129 ruling which allows for excluding accounts which have received these letters (unless the consumer responds in 10 days accepting the creditors proposal that they approach a DC - which then places them in legal doldrums and facing possible court action) Has also caused some concern and confusion as creditors struggle to decide whether to include or exclude these accounts. If excluded from debt review they face incredibly long recovery periods as DC could simply ignore these accounts allowing them to roll up to induplum figures for recovery after the review is complete.

CONT. PAGE 14

JANUARY

BASA, DCASA & PDASA all subscribe to Code of Conduct agreement

PDA fees increase

FEBRUARYSDC launch Forum

DCRS goes live

Wesbank V Papier

Protests in Egypt & Libya

MARCHNCR cut help to poor consumers (subsidy for DC)

DCASA Code of Conduct

DCASA complaints dept launched

Tsunami in Japan

APRILConsumer Protection Act

Customers now meant to sign contracts with DC’s and PDA’s

Royal Wedding of Kate and Will

JUNEMajor Banks Blitz Sect 86(10) terminations

Competition Commission rule against DCASA DC Fees

Collett asks for leave to appeal to Constitutional Court

Online concerned DC Forum launched- numbers grow

DTI call for NCA amendment comments

New W Cape DCASA committee announced

MAYFRB v Collett Supreme Court of Appeal judgment

DCASA W Cape Committee protest walk out

Formation of Concerned Debt Counsellors group in W Cape

Peter Setou placed on “Special Leave”

Osama Bin Laden pronounced dead using DNA proof

JULYDTI deadline for comments on proposed Regulations

African Bank announce closing of PDA

www.debtconcern.webs.com reaches 100 members

Alliance of Professional Debt Counsellors temporary committee elected (AllProDC)

Terror attack in Norway

AUGUSTPeter Setou charged with Fraud and Misconduct

Constitutional Court refuses Collett

SEPTEMBERNew NCR CEO meant to be appointed - not made

NCR announce new help desk: [email protected]

DC’s leave industry in wake of Collett

NDMA roadshow

Rugby World Cup

Euro Crisis

OCTOBERAllProDC Roadshows begin

NDMA roadshow

theDCI goes live

Wikus Olivier appointed DCASA CEO

Official Launch of AllProDC

New NCR Board announced

Euro Bailout announced

Gaddafi killed

DECEMBERStill no NCR CEO

Kim Jong il dies

NOVEMBERNCR Roadshows

www.debtfreedigi.co.za

New ABSA Debt Review Manager - Grace Nkomo

RL Daly - no longer collecting on DR matters

DCASA AGM

USA officially end Iraq war

There seems no good way to solve these matters unless some independent negotiating is done outside of the court application and allowed for in the consumers budget. All in all this has meant so much extra work that many DC’s have left the industry due to being over worked. This in turn has placed strain on the NCR as they try to keep track of which DC is handling matters. Some consumers have been left in the lurch and even the Creditors are struggling to keep up to date. The awaited for 17.7 has quietly stolen into the industry as a means of advising creditors of changes but it has not received widely acclaimed approval from the NCR . the NCR are also in the midst of leadership troubles and investigations which has made their effectiveness limited. With the appearance of new DC bodies (first the sadly short-lived SDC and now more promising AllProDC) and looming changes to the NCA and regulations there may be some help for DC’s coming but not very soon. Those who cannot adapt in this legalistic process are feeling the pinch as the number of people entering debt review has slowed in the face of public confusion as to whether it is worthwhile or not. African Bank

have been vocal in proclaiming their increased revenue recoveries via the debt review process but many of the other large banks seem intent on letting their debt review departments shrink while allowing their legal departments to handle these matters. This is no doubt a long term strategy mistake but seems to plug the short term accounting and workload issues they face. High level replacements have been called in and a total strategy rethink hopefully looms in 2012. There is no doubt that revenue recovery via debt review is much cheaper for creditors; more realistic and consistent than collections via attorneys and agents. There is also an increase in Debt Counsellor quality happening as the industry thins out. However the financial feasibility of running a debt counselling firm is still a “tight” thing. One can only hope that 2012 will see many of the legal bunglings of our courts put right and voluntary steps taken by creditors to smooth the process and some effective leadership making a difference to the various role players.

THE YEAR THAT WAS

CONT.

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

RM Brown& associates

www.rmbrown.co.za

Just a quick note on PAIA

Your Section 51 PAIA Manual is due by the 31st December 2011

Visit the website for more informationwww.sahrc.org.za/home/index.php?ipkContentID=70&ipkMenuID=51

CONSUMER INDUSTRY

Many small businesses are scrambling to become compliant with the Promotion of Access to Information Act (PAIA) before the five year exemption to the Act expires at the end of December 2011. Many Business owners are not even aware of the Act and deadline.Small businesses and other private bodies are required to present information such as owner details etc in an electronic manual (for now) to the South African Human Rights Commission (SAHRC). PAIA aims to increase information flow, transparency and accountability in the public and private sector at a time when ironically there is a public uproar about government promoting what has been called a “Secrecy Act” in an effort to deny similar information to the public.The PAIA provision is in line with constitutional rights to access information in the public interest. This will provide individuals looking for information a clear idea of what is available if they can provide the necessary justification for wanting it. An application for information can be turned down with an explanation as to why the information will not be given. Such a response can also be appealed as well and can ultimately end up in a court battle for the information (It seems silly but it can and will happen. We saw what happened with the NCA)Back in 2005 the Department of Justice and Constitutional Development exempted small businesses (such as DC’s - who had not come into existence yet) recognising that compliance with such new and unexplored legislation could place a big administrative burden on

smaller businesses. Fortunately after 5 years there is now some clear guidance on what needs to form part of the Sect 51 Manual. For more advice on compiling your manual see our brief guideline in this issue. It is not as complicated as you may think to put a basic manual together. There is also no cost involved in submitting your version of the manual to the SAHRC.Chantal Kisoon (Head of the access to information unit at the SAHRC, ) said the SAHRC recognised the need to balance the purpose of the act with the needs of small businesses, which might not have the legal resources to comply. There are stiff penalties for noncompliance, for example: two years in prison for a business owner, or a fine, but so far these penalties have never been implemented. The commission had petitioned the Department of Justice to extend the exemption, but so far are still waiting for a response.If you run a small business you should try use the provided “guideline” in this issue or that provided on the SAHRC website at: http://www.sahrc.org.za/home/ and should send it through to them in a PDF or via post. If possible you should also then put it on your company website and make it available to visitors to your business along with an application form (called form c) for consumers to fill in to request information from your company. So don’t panic just take 20 min and fill in the needed info put it on your letterhead and away you go.

NEXT The link to download an example

PAIA... WHATS THAT? IF YOU DON’T KNOW YOU COULD BE IN TROUBLE

INDUSTRY CONSUMER

Promotion of Access to Information Act Sect. 51 Manual - free downloadDownload the following PDF which can be used as template for your own Sect 51 Manual.

You can cut and paste the text onto a page with your company LOGO (it should be around 3 pages long)

You will need to change one or two details right at the beginning like company name, address, and your name of course.

Other than that you should be able to leave all the other

information on Pg 2 and 3 as is.

http://debtfreedigi.co.za/?p=332

PAIA 51 Form C request document - free downloadWhen a consumer whats to get information they need to submit this form.

The Form needs no changes - unless you want to add your company LOGO to the top of the page

You should make the form available to the public.

http://debtfreedigi.co.za/?p=341

Consumer section launches 31 December 2011

UNITED WE STAND

www.thedci.co.zaConsumer section launches 31 December 2011

Debt review and distribution software.Proud Software provider to DC Partner, Payment Distribution Agency.

https://debtwisesolutions.co.za

Debt Wise Solutions

As one of the five NCR accredited PDA’s (payment distribution agency’s) DC Partner has been part of the debt review industry since August 2008. Situated in George in the Western Cape, we are also the only PDA south of the Orange River.The systems, infrastructure and staff of DC Partner have been exposed to collection and distribution of payments for the past decade.DC Partner strives to render services of the highest standard to customers.DC Partner makes use of excellent software, provided by Debt – Wise. The PDA module is locally based and inherently linked to the Debt – Wise Debt Counseling software, which is internet based. Consumer information seamlessly passes from the Debt Counseling System to the Payment Distribution Agency.We are very excited to announce that we have integrated our PDA distribution system with the Debt-Wise front end software. The distribution system was developed to integrate into the Debt-Wise software in such a manner that the user will not need to change anything in their systems, but could just continue with their day to day work and would see the distribution side as an additional tab on their home screens.

At this stage we are systematically moving all our current clients to the new system and this goes hand in hand with in office training by one of our skilled training officers.Our main focus during the planning and creating of this system was to maximize data availability and accuracy. The DC can log into the system from anywhere in the country and with the click of a button he/she will be able to see what is going on in their dedicated PDA trust account, which clients made payments within the last 1, 2, 8 or even 24 hours, what fees are due to be paid to him/her, which files have distributed, which clients are in default. We do daily distributions on this system and it is therefore important to make the system as user friendly and interactive as possible as things happen very quickly.This will enable the DC to always see and be on top off what is happening to all of their clients and react, if needed, immediately.DC Partner offers free in house training at any location in the country and we will also give all interested DC’s free access to our system for a trial period of up to three months.

For any further queries please feel free to contact our offices at any time.DC Partner George OfficeWillie Boshoff – [email protected] Steyn – [email protected] Joubert – [email protected] 873 4440, 044 873 4530, 044 873 4532DC Partner Gauteng OfficeFrancois Van Zyl – [email protected] De Vos – [email protected] 348 7624

I am sure that all of us have once, or for the really big spenders, many times, applied for credit in some way, shape or form from various credit providers. Now over and above the fact that we, as consumers, can simply not contain our joy and eagerness to get our hands on what some people may perceive as a prize of some sorts, there is always the dreaded paper work!!

You would have noticed that a portion of this long-winded paper work includes an insurance of some sort which covers both you and the credit provider in the event of either, Death, Disability, Dread Disease and Retrenchment. Each credit provider however would use a different underwriter (insurer) for this cover.

I would like to take this opportunity to explain Credit Life in an easy understandable manner which would at the very least give, you the reader, a better understand of the benefits, costs and how to go about submitting a claim.

I did cover the rates per R 1000.00 in an earlier article so will not revisit the costs but your premium is often embedded in your finance agreement and forms part of your monthly payment so you may not even be aware of this cover. However it is directly linked to the outstanding balance on a specific account and should you die, become disabled or suffer a dread disease the insurer will settle your account with the credit provider. Retrenchment however works a little different, with your monthly payment on the account being paid for a period of 3 to 6 months in the event of retrenchment.

Now folks, how many people do you know that have been retrenched over the last 2 to 3 years as a result of the financial crisis?? How many of them were actually aware of this benefit and actually submitted a claim?? I would say as little as 15% - what do you think? Some may have been aware but did not know how to go about submitting a claim.

It is quite simple – you need to peruse your policy document (if you received one) which will provide you with all the info you require. The other alternative is to approach your credit providers which, let me add, should you have more than 5, can become quite a tedious and time consuming affair and each one may have a different process that needs to be followed.

Note:Over and above the fact that the Debtplan Credit Life Consolidator consolidates all your credit life policies held with your credit providers at a rate more often than not cheaper than existing cover, the other benefit is the fact that when it comes to submitting a claim you don’t have to run around to all your creditors in order to claim! It is a simple as 1 call and all your creditors covered with us are paid.

The retrenchment benefit also has a twist – with us paying your total debt review payment to your PDA for a period of 6 months which will at least keep your debt review status in force until you find work

Credit Life InsuranceWhat is it and what does it do?

Eastern Cape:Sam HaasbroekT: 072 55 104 99E: [email protected]

Western CapeSam HaasbroekT: 072 55 104 99E: [email protected]

GautengBianca MaraisM: 084 491 0997E: [email protected]

Free StateBianca MaraisM: 084 491 0997E: [email protected]

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

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 AssistJohann VermeulenTel: 0861 628 628

Credit Matters021 431 [email protected]

CS Debt CounsellingBernidene Smith NCRDC 764057 352 4115/352 5000Welkom - Free state

Darran [email protected]

Debtbusters0861 663 328 (NO DEBT)

Debt Budgetph. 021 701 7744

Debt Solve Debt CounsellorsOffice: 033 397 0945

DEBTINCNCRDC’s 1071, 1188, 1189.Tel: (022) 713-2021Fax: (022) 713-2028Share Call: 0861 20 21 20E-mail: [email protected]: www.debtinclusive.co.zaSMS: HELP to 35075

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: [email protected]

Durban Debt Counselling ServicesSuite 112, 1st floor Union Club Building353 Sm ith StreetDurban, 4001Tel: 031 301-7893Fax: 031 [email protected]

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 [email protected]

Holistic Debt [email protected]

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

SERVICE DIRECTORY

Help-U-Debt (Vanderbijlpark)Herma083 320 8303

MG Consulting NCRDC 1403Strand - Helderberg AreaTelkom : 021 853 4537 Mobile Phone: 082 450 7459 / 082 782 0595 Fax Number: 0866 220 690E-Mail: info@mgconsulting / [email protected]

NDA Debt CounsellorsYour Trusted Debt CounsellorsGary Williams (NCRDC 143)Tel: 034 315 3880 Fax: 086 612 [email protected] www.ndad.co.za

Think Green Debt CounsellingSandi [email protected] : 012 991 6638Cell : 082 460 7800Fax : 086 219 2615

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 [email protected]

Zuné Coetzer Debt CounsellorsNCRDC 159924 van der Stel StreetDan PienaarBloemfonteinTel: 051-4364515Fax: 086 5870 845Email: [email protected]

BORDER REGION:

DRS BEACON BAYJohan PretoriusCell: 082 324 4038Office: 043 748 1139

DRS BUFFALO CITYHerman MariasCell: 082 378 3743Office: 043 7210652

DRS KING WILLIAMS TOWNHerman MaraisCell: 082 378 3743Email: [email protected]

DRS CRADOCKOffice: 043 721 0652

DRS QUEENSTOWNHerman Marais Cell: 082 378 3743 Email: [email protected]

DRS MTHATHAHerman Marais Cell: 082 378 3743 Email: [email protected]

EASTERN CAPE:

DRS ALBANYOffice: 041 373 9693Email: [email protected]

DRS ALGOAMarius WeyersCell: 083 497 3219Email: [email protected]

DRS BOND CHOICE P.E.Andrea AtkinsonOffice: 041 393 7000Email: [email protected]

DRS CENTRAL EXPRESSDerryn FishOffice: 041 373 9693586 2020Email: [email protected]

DRS DESPATCHIsabe LandmanCell: 072 337 3328Office: 041 933 1189Email: [email protected]

DRS HUMANSDORPMorne SteynCell: 083 298 8182Office: 042 291 0135Email: [email protected]

DRS NKONKOBE (Fort Beaufort)Bernadine von der DeckenCell: 083 2859289Office: 046 645 1898Email: [email protected]

DRS KIRKWOODKeith Le RouxCell: 073 207 1675Office: 041 451 0474Email: [email protected]

DRS PORT ELIZABETHDerryn FishCell: 084 515 6135Office: 041 453 8961Email: [email protected]

DRS SIDWELL EXPRESSKeith Le RouxCell: 073 207 1675Office: 041 451 0474Email: [email protected]

DRS SOMMERSET EASTLuther De BruynCell: 082 568 2970Office: 042 243 1107Email: [email protected]

DRS UTENHAGELynn LindoorCell: 083 7174 183Email: [email protected]

FREESTATE:

DRS GOLDFIELDS (Welkom)Irvin Billy (Derryn Fish)Cell: 072 114 4427Office: 081 319 0083Email: [email protected]

DRS MANGAUNGAmanda JohnsonOffice: 041 373 9693Email: [email protected]

DRS FOREISTATA EXPRESS (Bloemfontein)Derryn FishOffice: 041 373 9693Email: [email protected]

DRS SOUTH FREESTATENelmarie De langeCell: 079 236 3615Office: 053 591 0734Email: [email protected]

GARDEN ROUTE:

DRS DE AARVeronique Louw (Derryn Fish)Cell: 076 382 2020Office: 053 631 1189Email: [email protected]

DRS GEORGEFrancois Van ZylCell: 079 522 1930Office: 044 874 2820Email: [email protected] EDEN (Hartenbos)Bruno MertschTel: 042 291 1083/4Email: [email protected]

GAUTENG:

DRS CENTURION EXPRESSAmanda JohnonOffice: 041 373 9693Email: [email protected]

DRS LYNNWOODJunique JuliusOffice: 012 807 4339Email: [email protected]

DRS PRETORIA EXPRESSBen VermeulenCell: 082 442 8654Office: 012 331 2145Email: [email protected]

DRS PRETORIA NOORDOffice: 041 373 9693Email: [email protected]

DRS ROODEPOORT EXPRESSDerryn FishOffice: 041 373 9693Email: [email protected]

DRS RUSTENBURG Amanda JohnsonOffice: 041 373 9693Email: [email protected]

KWA ZULU NATAL:

DRS GREYVILLEVyas JuggernathCell: 083 206 0300Office: 031 309 8716Email: [email protected]

DRS KOKSTADMelanie LouwrensCell: 083 269 0424Office: 039 727 1430Email: [email protected]

DRS MORNINGSIDE DURBANErica Mtshali (Amanda Johnson)Cell: 076 578 8660 Office: 031 301 5990email [email protected]

DRS PHOENIXVyas JuggernathCell: 083 206 0300Office: 031 309 8716Email: [email protected]

DRS PIETERMARITZBURGSanele ZuluCell: 083 543 3487Office: 033 394 8319Email: [email protected]

WESTERN CAPE:

DRS BELLVILLEPatricia BekkerOffice: 021 948 8523 / 4Email: [email protected]

DRS DIAMONDClive PalmerOffice: 021 421 8563Email: [email protected]

DRS TYGERBERGCraig LakeyCell: 082 627 0957Office: 021 945 4062Email: [email protected]

DRS WEST COASTMarius CoetzeeCell: 082 978 4407Office: 022 713 3766Email [email protected]

DRS SALDANHAMarius CoetzeeOffice: 022 713 3766Email: [email protected]

DRS SOLUTIONSChristelle de VilliersCell: 084 586 5600Email: [email protected]

U-Win Debt CounsellorsCoreli Roos - NCR DC 509Aliwal North, Burgersdorp, Bethulie, GariepDam, Smithfield, SpringfonteinCell:079 626 [email protected]

Rihanyo Debt Counselling(012) 804 50 57

SUPPORT SERVICES

Business and Personal Website and Software, Design and Development Services. Contact Number: +27 76 382 0933 Email: [email protected] Web: http://myecommerce.co.za

Staff Line Ndizani Executive RecruitmentCell no: 083 3028163Direct Line: (011) 468 - 2150E- Mail: [email protected]

Blank DesignFor all design and marketing needs including websites, brochures, business cards etc.Steve [email protected] 700 2020www.blankds.com

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

TRAINING

Compuscan Academy 0861 51 41 31www.compuscanacademy.co.za

FINANCIAL

ABSA Customer Debt Repair Line0861 005 901

Credit Ombudsman0861 662837

Experian011 799-3400 [email protected]

Eric StresoFinancial PlannerB Juris LL B CFP MBATel: 0833273358Fax: 086 612 7912Fair Debt0829019788 or [email protected]

PACFIN Financial Solutions Head OfficeTel: +27 11 9757445Fax: 086536878336 Van Riebeeck roadKempton Park [email protected] Carlo BuildingNo 8 VoortrekkerstreetKempton Park 1619

Kempton ParkContact: Reyno CoetzeeTel: +27 11 3945363Fax: 0866048002Cell: +27 73 [email protected]

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

NelspruitContact: Ann BakerTel: +27 13 7415559Fax: 0880 1374 15559Cell: +27 82 [email protected]: Wynand MclachlanTel: +27 11 8113728Fax: +27 11 8113728Cell: +27 83 2754014/[email protected]

Gooseberry Business AdvisoryTel: 012 644 0589

NedbankDebt Rehabilitation & Recoveries Services0860 109 279

STD BankDebt review HelplineTelephone: 0861 111 402 TransUnion0861 482 482

ThinkmoneyFinancial comparison websiteContact: Gareth MountainTel: 079 0996 798www.thinkmoney.co.za

WIZARD 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 [email protected]

LUCID AttorneysTel: 011 880 1100Fax: 011 880 1101Email: [email protected]/attorney

Ludick [email protected]

Prinsloo & AssociatesAttorneys and conveyancersNanika Prinsloo Farm Bergamot, Paarl 7620P O Box 6199, Paarl 762014 Laing Street, Barrydale 6750Cell: 072-8558-106Fax: [email protected]

RM Brown and Associates 601 Pier House, 13 -17 Heerengracht, Cape TownDocex 138 Cape Town t: 021 431 9127 f: 021 425 0875 e: [email protected] 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.zaExperianwww.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 463 8211www.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.net

Motor Industry Ombud012 841 2945 www.miosa.co.za

National Credit Regulator0860 627 627

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

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Debtfree DIGI Dec 2011

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