Debtfree DIGI Nov 2012

www.debtfreedigi.co.za

South Africa’s debt counselling magazine

November 2012

Administrators of the Debt Counselling Application Process

www.adcap.co.za

C O N T E N T S

5 Editors notes

7 News

12 Bonus time

14 LIVING ON LESS 16 Terminators

22 Letter from reader

26 Serivce Directory

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 SolutionThis service was specifically designed to assist Debt Counsellor’s Clients

(New, Existing or those clients that do not qualify)

Who can we help?Clients that own property with a residual value - where the value between the

outstanding bond and the market value is approximately 40%, e.g. if the property is worth R1M, the outstanding bond should be in the region of R600K.

Cost to Client? Professional advice, quotation and presentation at no cost to client.

Debt Counsellor – Referral FeeIf we are able to assist your client, a substantial referral fee will be due to you.

For more information contact:Carin Papenfus / +2772 616 1099 / 011 215 0039

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

I don’t know how it happened but it seems my costume has shrunk in the wash again this year. I mean, I specially went out and bought a new one last year around this time and when I tried it on the other day it just doesn’t fit anymore. I wonder how that happened?

Summer is now really here and an afternoon or early morning in the sun is a great way to get outdoors, have some fun and save money at the same time. So it’s off to the pool or beach I go.

Maybe in view of the tightness of the waist on my costume I might hit the gym first...or maybe not. Be sure to read our article ‘I Quit my Gym’. I think you will find it has some insights that will strike a cord. All I know is that exercise will make you feel better, help you sleep better and help you cope with stress better. If you have debt then no doubt you need help dealing with stress and everyone needs a good nights rest.

This issue we also look at that mystical beast the 13th queue and what to do with it this year if it miraculously does appear at the end of a

rainbow on your desk. Sure it’s unlikely in this economy but what if it does happen?

The year is drawing to a close but that doesn’t mean that your creditors have forgotten about you so be sure to read up on the dreaded ‘termination letter’ and what to do when you inevitably receive one. Forewarned is forearmed .

So go on, get out there and soak up some rays. Catch a tan (not in the middle of the day obviously). It’s time to enjoy summer and for goodness sake don’t miss any debt repayments at the end of the year or things will go bad real quick. Think about it just a few days until a new year of possibilities. Who knows, maybe by this time next year you could be debt free?

EDITOR’S NOTE

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NEWS FLASHMinister of Finance and BASA joint statement makes DCs nervousThe recent joint press statement from BASA and the Minister of Finance seems to be yet another good publicity drive to say that the banks are good guys and will not make use of garnishee orders so much anymore (...maybe).

The Statement also made reference to BASA members reviewing consumers situations and possibly reducing payment obligations. This seems like a great idea since stats show that half of South African credit users are in real trouble, being in many cases months behind on payments (so they obviously need some relief). It is unclear how the banks intend to review these millions of cases in detail. If what has been seen in the hundreds of thousands of debt review cases holds true they do not have the capacity, software or inclination to do so. Debt Counsellors are very dubious about the banks doing more than a token gesture in this regard.

The Statement also seemingly made reference to the now dead (killed by the NCR) voluntary debt mediation process. It seems to lurk hidden in the phrasing of the statement. The NCR showed this process to be illegal and shut just such a bank run voluntary system down. It seems that BASA are hoping that amendments to the National Credit Act might allow for something like this. It is highly unlikely however. The statement does show that the banks are masters of empty promises and misdirection.

Rather they should have simply promised to cooperate with the already existing process of debt review and agreed to not fight lowering debt obligations to consumers who go through this process. Clearly actions speak louder than words. Sad really.

AllProDC AGMThe second oldest DC representative body (The Alliance of Professional Debt Counsellors) turned 1 year old at the end of Oct. As a result they held their first annual general meeting.

AllProDC have been in existence officially for 13 months and operate mainly in Cape Town, George, PE and KZN with a few members in other provinces. The alliance is well known for its online forum which features over 200 members (not all are members of the association).

Half of the paid up members of the association were in attendance along with representatives from In2insurance and Consumer Friend and Debtfree DIGI (of course).

One purpose of the AGM was to elect the National Executive Committee for the following 12 months. The previous committee had been in place as an interim committee making this the first official election for the NEC.

The voting process went smoothly with 7 members of the previous interim committee

INDUSTRY CONSUMER

Debt Review Software by

Bitech is recognised as the leading Debt Counsellor software system supplier.

Simplicity is rich in functionality and caters for all Debt Counsellor requirements e�ortlessly.

Simplicity is leading edge technology and Bitech stay at the forefront of development - we continue to lead the way!

The Simplicity system is fully integrated with Hyphen PDA, which provides you, the Debt Counsellor, with an uninterrupted and e�cient service with no manual intervention and in total control.

Some features of the Simplicity system are completely unique unique, amongst others is the ability to create customised legal documentation instantaneously.

Bitech prides itself on its after sales service and the support it provides to Debt Counsellors - this is as important as the excellence of the Simplicity product!

p d a

Hyphen Technology (Pty) Limited is a member of the FirstRand Group

Hyphen PDA is a division of Hyphen Technology (Pty) Limited, which is wholly-owned by the FirstRand Group - �nancial soundness is important when considering a PDA!

Hyphen PDA is at the top of its game and is unrivalled in the collections and payment space.

Hyphen PDA essentially operates with the use of banking systems (iSeries mainframe computers) and the PDA and 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 Debt Counsellor will need to manage the business - reporting is immediate, current and always available.

27(0)16 987 5004/27(0)16 987 5006/27(0)16 987 2369

Contact Bitech

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27(0)11 303 0060 extension 2

Contact Hyphen

[email protected]

www.hyphen.co.za

Debt Review Software by

Bitech is recognised as the leading Debt Counsellor software system supplier.

Simplicity is rich in functionality and caters for all Debt Counsellor requirements e�ortlessly.

Simplicity is leading edge technology and Bitech stay at the forefront of development - we continue to lead the way!

The Simplicity system is fully integrated with Hyphen PDA, which provides you, the Debt Counsellor, with an uninterrupted and e�cient service with no manual intervention and in total control.

Some features of the Simplicity system are completely unique unique, amongst others is the ability to create customised legal documentation instantaneously.

Bitech prides itself on its after sales service and the support it provides to Debt Counsellors - this is as important as the excellence of the Simplicity product!

p d a

Hyphen Technology (Pty) Limited is a member of the FirstRand Group

Hyphen PDA is a division of Hyphen Technology (Pty) Limited, which is wholly-owned by the FirstRand Group - �nancial soundness is important when considering a PDA!

Hyphen PDA is at the top of its game and is unrivalled in the collections and payment space.

Hyphen PDA essentially operates with the use of banking systems (iSeries mainframe computers) and the PDA and 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 Debt Counsellor will need to manage the business - reporting is immediate, current and always available.

27(0)16 987 5004/27(0)16 987 5006/27(0)16 987 2369

Contact Bitech

[email protected]

www.bitechsystems.hypermart.net

27(0)11 303 0060 extension 2

Contact Hyphen

[email protected]

www.hyphen.co.za

Simplici ty

being now officially voted into positions on the NEC:

Chair Person: Simon BarkenhuisenVice Chair: Alan ManshonTreasurer: Hennie VermaasSecretary: Marie KrugerLegal: Adri De Bruyn

Additional Members:Karin AugustynJohn Steyn

The Treasurer reported that the association had turned a small profit of R4000 after expenses for the year.

A presentation by Consumer Friend’s Justin van der Linde was well received. Consumer Friend have added 2 new creditors to their portfolio namely Wonga and CAPFIN. Another presentation followed by In2Insurance. They highlighted the danger of not having cover especially in light of the CPA. A general discussion was conducted after a small lunch. All in all members seemed happy and the AGM ran smoothly.

BDCF making waves in GautengA new industry player has emerged in the form of the Black Debt Counsellors Forum (BDCF). They say that while the BDCF acknowledges the role played by the Debt Counsellors Association of South Africa (DCASA), the BDCF feel that DCASA has not done enough to promote and encourage black economic empowerment in the debt counselling field. “The BDCF is committed to encouraging black economic empowerment as per the NCA but

we are also a non-racial organisation and we welcome membership from all those debt counsellors who embrace the same ideals we do,”.

The BDCF aims to increase the number of DCs through intensive training efforts by introducing mentorship programmes with accredited and experienced Debt Counsellors.

For more info contact the BDCF on:www.bdcf.co.zaTel: 0861 00 22 70E-mail: [email protected]

Atlas Fake Garnishee Orders - BewareA recent Moneyweb expose revealed that numerous garnishee orders secured by debt collectors for debts owed to Atlas Finance, through the Krugersdorp Magistrate’s Court, appeared to be fraudulent.

Commonly called “garnishee orders” are court orders instructing employers to deduct amounts from the salaries of employees towards the repayment of debt. In the wake of several articles by Moneyweb the Krugersdorp’s Chief Magistrate has committed to take steps towards identifying the source of fraud relating to garnishee orders issued from her court.

In addition, the Krugersdorp Magistrate’s Court has instructed garnishee auditing firm Synrec to halt the payment of all Syndicated Debt Collectors’ garnishees on the grounds that they are all fraudulent.

This follows after the decision last week by Summit Garnishee Solutions to freeze all

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garnishees attached to its clients’ employees, issued by Syndicated Debt Collectors and Draft Services.

Chief Magistrate Jacoba Visagie has said that while it appears as if court employees are not involved in the fraud, she is not ruling this out entirely. She says that it appeared as if the fraud took place at the debt collection agencies.

A Krugersdorp Clerk has stated that the particular signature on the fake orders was not one of those used by any of the three Krugersdorp clerks.

This would suggest that both the Draft and Syndicated garnishees were obtained through the same channel which might eventually lead back to Krugersdorp. Syndicated Debt Collectors is owned by Jack Halfon, who is also the major shareholder and founder of Atlas Finance.

The Hawks are now involved in investigating the apparent fraud.

Draft and Syndicated Debt Collectors have maintained their absolute innocence in the matter with Syndicated’s parent company saying that the Hawks’ investigation will totally exonerate them.

DCASA NEC ElectedDCASA – the Debt Counsellors Association of South Africa – have recently called for members to be elected to their National Executive Committee. Over the last few weeks nominations have been made. Less than 8 names have been put forward so the results

are in. DCASA explain it this way:

In terms of the DCASA constitution, Clause 4(b) of the voting process states the following:

“If there are less than eight (8) nominations there will be no vote and the persons nominated will be elected to the NEC unopposed”.

In terms of the DCASA Constitution & Voting procedures the following members are therefore elected unopposed to the DCASA NEC.

The members who therefore will be part of the NEC for the next 12 months are:

Cilliers, Eugene;Davis, Phillipa;De Broize, Joseph;Richards, Tony;Siljeur, Nathanael;Slot, Paul,Mauritz van den Heever

In addition to these members each regional office or branch of DCASA will be able to elect one member to represent them at the NEC.

Visit www.debtfreedigi.co.za every day for updated news items. Stay up-to-date in less than 3 minutes every morning.

Bonus TimeCONSUMER

So it may seem unlikely that this year you will receive a bonus or 13th cheque but what if you do? What will you do with those extra funds?Well, you could keep very quiet about it and head off to the shops to pick up a few nice things for the end of the year. Maybe treat yourself a little. After all, you did work so hard this year and you deserve nice stuff don’t you? But would that be the best use of those funds?Ask yourself what is the largest source of stress in your life? What if you could reduce that stress? How much is that worth?One thing you could do, when you find out you are going to be receiving more funds at the end of the year, is talk to your Debt Counsellor about the matter. After all, your Debt Counsellor will provide you with a realistic, balanced view on how to get the best benefit out of your extra funds.You may even be surprised when your Debt Counsellor advises that you use some of the funds on much needed regular expenses. By doing this the Debt Counsellor will be helping you stay on track with your scheduled debt repayment plan as set before the courts (and by now hopefully in your debt restructuring Court Order). It may be that you have not been able to save to cover the added cost in January of school clothes and school books. Maybe you have not been able to save toward the cost of replacing the tyres on your car or renewing your car or TV licence. These items often slip our minds but not your Debt Counsellors. So, the first step would be to contact them and let

them know how much extra you are getting.Your Debt Counsellor can also advise you on the possibility of closing off one or two of your smaller debts. Possibly you faced some payment problems during the year and this is now an opportunity to catch up with the repayment plan. This will greatly please your creditors and show good faith on your part. Maybe you have had to fight off greedy creditors who wanted to make your life difficult by trying to “terminate” your debt review and take an asset. If you fought them it probably raised some legal costs which the extra funds can now cover.Whatever you do please exercise caution in simply walking into one of your creditors offices and saying: “ how much do I owe you?” and paying whatever they tell you. Almost every creditor out there is too lazy or too cheap to adjust their software to make sure that their system reflects what they have agreed to or been forced to do by the debt restructuring court order. If you just pay whatever they tell you, you will almost inevitably pay much more than you should. Rather ask your Debt Counsellor to assist you to deal with the creditor and let them check the balance they give against the figures shown by the PDA. It takes longer but saves you lots.So, if you are fortunate enough to get this elusive mysterious beast of a 13th cheque or end of year bonus be wise and reduce your stress, talk to your Debt Counsellor.

About 5 months ago my husband and I decided that the gym was not working out for us anymore. We were drifting apart for various reasons. We would make it to the gym I’d say minimum twice a month. The drive to the gym would take 5 minutes on a traffic free day. But with the construction of the my citi buses it seemed like we were spending more time in our car to and from the gym than actually enjoying a good workout so as to feel refreshed! After eventually finding parking at the gym we would rush to get in do the walk/run on the treadmill then decided to do some weight training. Again we would have to wait to use certain machines! The greedy gyms have become so overcrowded that even when you are inside this germ infested place you still seem to waste unnecessary time and money (on petrol and sugar filled smoothies which we thought we deserved)

This frustration led to our decision to cancel our gym membership. One of the best decisions this year. My husband and i have found that doing daily 15-20 minute training in the peaceful comfort of our two bedroom flat had contributed To our wellbeing. Not only have we saved money on petrol and gym fees but we also have more time to be more productive on physical exercise. It’s also made us conscious of being outside and finding activities or exercise outdoors ie. riding bicycles, walking down the road or even going to a run on our beautiful mountain or signal hill! These days when we feel lazy we find ourselves saying “ it’s only 15 minutes and we can do it right here” and immediately feel motivated! Now we use our time energy and money on things that bring us happiness rather than frustration!

Roxy Rosenberg

“I quit my gym”

LIVING ON LESS

FOR 15-20 MINUTE WORKOUTS VISIT WWW.BODYROCK.TV

TERMINATORS

CONSUMER

Often consumers receive threatening and scary sms’ or emails or even letters from creditors saying that their debt review has been terminated. Simply put this is untrue. At a stretch it is only partially true.

It is impossible for one creditor to cancel or terminate a debt review of many different accounts. It is a common misuse of a term used in section 86(10) of the National Credit Act. In that section it says that if the consumer is in default and 60 days have gone by since applying for debt review then the creditor can “give notice to terminate the review”.

If you get one of these letters do not get confused and think your Debt Counsellor is not doing their part. The are. Creditors are allowed to give notice that they will terminate but they have to do this in the prescribed manner and they have to notify several parties (also in the prescribed manner).

Now it might seem weird to you that a creditor only has to wait 60 work days before they can try pull out of the process however this matter has gone to the highest courts and rulings have been made on the subject.

The courts ruled that the creditor can terminate their own participation and they can then go to another court to try get a judgment. The ruling also says that to balance this the consumer then can defend the matter and can raise the objection that the creditor has terminated in bad faith.

This would only be true where the consumer was actually paying as per the proposal made by the Debt Counsellor. If this is not the case then the Debt Counsellor will not help the consumer and the consumer would be in the wrong and would not be likely to defend the matter.

At first glance these rulings seem to benefit the creditor but in reality there is very little benefit to a creditor where the consumer is actually paying toward their debts via debt review each month. Lets explain:

Lets say the Debt Counsellor has set R300 a month aside for this particular account in the debt restructuring proposal to the Magistrates Court. If the account is removed from the debt review then the creditor can run to another court and try get a judgment

CAN THEY TERMINATE

MY DEBT REVIEW?

against the consumer. They then can try to get an attachment order against the consumers salary for funds. How much will they get? Well, since another court has already ruled on the consumers budget and debt obligations for the debt review they will only be able to get the amount that the Debt Counsellor suggested to the Magistrates Court in the Debt restructuring Court Order in the fist place. No other funds are available. All that will now happen is that they will have added legal costs and the interest will probably be set at 15.5%.The consumer can even go to the court (in terms of the MCA) and ask the court to make a debtor payment arrangement for the new judgement at the amount of R300 (after showing the figures in the debt restructuring proposal).

So why are all these creditors sending me these letters? It is for a variety of reasons. One is incompetence. Another is short sightedness. Some creditors just let their computers automatically generate these types of letters or sms’. Another is people in collections/ Legal departments trying to reach targets of amounts litigated each month. It is sad really and a real waste of both the consumer and the creditors funds. Sadly it is also a way for creditors to strip consumers of assets if they don’t defend the matter at High Court

Where the creditor terminates during the process and have not negotiated with the consumer they will not be successful in getting another court to grant a judgment because the consumer can simply oppose the matter and show how they refuse to negotiate or co operate with the debt review. Many consumers don’t want to defend the matter though because it is

stressful and it can be nerve-wracking to go to court and tell a judge how unfair the creditor is being.

Don’t be intimidated. Losing your asset will be far more stressful. Rather go to court and ask for a 86(11). Have the account re-included in debt review and ask the judge to make the creditor cover the legal bills (a costs order).

So in conclusion yes creditors can 86(10) “terminate” their participation in a debt review but they still need to go to the magistrates court to oppose the debt restructuring court order. If they take legal action against you, you can successfully defend the matter and make them pay. If they somehow win they will only get the amount your debt counsellor offered them in the first place.

It is important not to panic if you get a ‘termination’ letter but you should to inform your Debt Counsellor at once so they can help you deal with the greedy and short sighted creditor that sent it to you.

86(11) Taking you to High Court where you can’t afford to get legal help?

Reasons why a court might order a 86(11) - re inclusion of a “terminated” account back into the debt review:

Incorrect service procedureslocus standi issuesA reckless credit investigation is happeningAccount not in default at time of application for debt reviewThe creditor acted in “bad faith”

Bad Faith would include things like:

Not providing information to the Debt Counsellor within the time limits set out in the NCA.

Not responding to proposals

Unreasonable demands made in counter proposals

Stalling in Magistrates Court to try legal action elsewhere

Automatically terminating after 60 days

Failure to provide consumers with regular statements

Not allocating payments by the PDA to the consumers account in a timeous manner

Not terminating in the prescribed manner (there isn’t one in the Act)

Not supplying the Debt Counsellor with requested documentation ETC.

Another thing to consider is that your contract with the creditor might show that you have agreed to hear a matter in the Magistrates Court by agreement rather than the High Court. Be sure to check the wording of the original contract if you can get a copy. You might have to force them to do so. Talk to your attorney or Debt Counsellor about how to do so. Then show up at High Court yourself with the contract and show the Judge. Have your debt review Magistrates Court docs and your proof of payment for that account with you just in case. Ask the Court to make a 86(11) ruling to put the account back into debt review right there and then since the creditor is obviously being naughty.

During our years in the debt counselling industry, we got used to bad behavior from our major banks. Lack of co-operation, a disregard for consumers rights, unreasonable demands and many other problems were the norm.

One bank was a little different however. ABSA Bank really went out of their way to accommodate consumers under review. Debt counsellors were treated as partners and visited at their offices by a friendly Mr. Bonginkosi Radebe and problems ironed out while a good relationship was forged. The bank even created a special bank account for the consumer under review and many debt counsellors referred their clients to ABSA.

I personally made the statement to many consumers that ABSA Bank is the only Bank with a heart and that you need to be an ABSA client when you run into problems. While other banks just ignore the National

Credit Act, ABSA were fair and reasonable.

I feel like a fool today.

ABSA dramatically changed their behavior in recent months to become the worst Bank of all. Consumers are being harassed, summonses issued towards consumers with very reasonable offers in debt review, no participation in the debt review process, no communication or negotiation typifies ABSA at the moment.

I am personally dealing with a number of cases where ABSA, despite offers of up to 80% of the original installments and strict payments in this regard made, chooses to proceed with legal action and repossession.

This behavior is something we are used to by now, but not from ABSA.

The good news is that we have not lost one

LETTER FROM A READERWhat is happening at absa bank?

www.newera.org.za

of these cases thus far. We will obtain the

penalizing costs orders in court because

they are acting in bad faith. We will keep

on ensuring that our consumer’s rights

are respected and that the Bank adheres

to the requirement of reasonable and fair

participation in the process.

The bad news is that it upsets our

consumers. People are losing sleep

because ABSA is acting like a bully and are

in many cases getting away with it.

Beware consumers! ABSA do not care

about you and your families’ wellbeing.

Their slogan should be changed from

“Today, Tomorrow Together” to “We do

not care Forever”.

One year from now, when ABSA have paid

millions of Rands of their investors’ money

towards legal fees for being penalized for

their behavior in court, they will have no

choice but to start “caring” again. This

time however, we will not necessarily trust

them. We will warn every consumer of the

lack of integrity we are witnessing at the

moment.

Hein

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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 BudgetTel: 021 824 8885

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 SeriousWe are serious about debtVida Scheepers NCRDC1792Po box 394, Garsfontein, Pretoria 0042Fax no: 086 553 [email protected]

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

Debt eezyYour Debt Solution made EasyAshley Carstens NCRDC858 Tel: 021 839 2809 Fax: 083 512 4160 / 086 665 9125 Email: [email protected]: www.thedci.co.za

Debt RescueNeil RoetsNCR DC 474Cell: 083 644 7406Tel: 0861 800 009Fax: 086 523 0617E-mail: [email protected]

Debt Management & Counseling Services“The greatest glory in livinglies not in never falling,but in rising every time we fall.” - Nelson MandelaDerry Burge NCRDC108140 Irene Avenue, La Concorde,Somerset West, 7130 Tel: 021 855 5997 Cell: 074 177 5375 Fax: 021 855 1195 or 0865413200E-mail: [email protected]

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

SERVICE DIRECTORY

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

Help-U-Debt (Vanderbijlpark)Herma083 320 8303

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]

MG Consulting Strand - Helderberg AreaTelkom : 021 853 4537 Mobile Phone: 082 450 7459Fax Number: 0866 220 690E-Mail: [email protected]

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

Penny Wise Debt CounsellingCathy Foster Debt Counsellor - NCRDC1977Tel: (011) 794 9912Fax: 086 719 3378Mobile: 083 298 4467Email: [email protected]

Rihanyo Debt Counselling(012) 804 50 57

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

The best angle to approach debt is the Triangle

Caledon - Western CapeContact Person: Yolande8 Hoop Street, 7230 [email protected]: 028 212 2537

Ceres - Western CapeLeyll str 61, 683 [email protected]: 023 312 1292Fax: 023 312 2119

Worcester - Western Cape71 Porter Street 6850 Longitude: 19.44305Latitude: [email protected]: 0233420576Fax: 086656801

Bloemfontein - Free State94 Zastron, 9301 BloemfonteinContact Person: [email protected]: +27 51 448 2828Fax: +27 51 447 9481

Viljoenskroon - Free State35 Denyssen Street, 7230Contact Person: Johann [email protected]: +27 56 343 0352Fax: +27 56 343 035

Welkom – Free State329 Stateway, 9460 WelkomContact Person: Susan RouxEmail: [email protected]: +27 57 352 6117Fax: +27 57-352 2355

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

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

DRSDEBT RESTRUCTURING SERVICES

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 CHOICEAndrea 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] 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]

SERVICE DIRECTORY

SERVICE DIRECTORYDRS 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 Vermeulen

Cell: 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 KOKSTAD Melanie 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]

SERVICE DIRECTORYSUPPORT SERVICES

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

Information resources & serviceswww.thedci.co.za

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

TRAINING

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

You & Your MoneyWestern Cape: NCR Debt Counsellor Training: For a Cutting Edge Course with practical input contact: You & Your MoneyDawn [email protected]: 072 1769789(021) 761 3287

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 7912

Fair 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] / GermistonContact: Armand PosthumusTel: +27 11 8921911Fax: 0865620378

NelspruitContact: Ann BakerTel: +27 13 7415559Fax: 0880 1374 15559Cell: +27 82 [email protected]

SpringsContact: 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

SERVICE DIRECTORYLEGAL

Karen van Staden Tel: 012 998 9117 / 012 993 2132Fax: 086 721 6467 / 086 662 1153Email: [email protected]@hauptearle.co.zawww.hauptearle.co.za

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

O’Connell & AssociatesAttorneys at LawKeegan O’[email protected] 021 462 1663Fax 0866 504 550303 Millborough, 70A Upper Mill Street, Vreedehoek, Cape Town,8000

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 TownTel: 021 431 9127, f: 021 425 0875 Email: [email protected]

Scheepers AttorneysGerhard [email protected]

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

Is it time to expand your Debt Counselling practice?

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Attorneys servicing individual needs

Pretoria: +27(0)12 998 9117 www.hauptearle.co.za Nelspruit: +27 (0)13 752 7084

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Debtfree DIGI Nov 2012

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