How to find a good Debt Counsellor

Finding a Good Debt Counsellor

How to find a good Debt Counsellor?Debt Counsellor

We hope that this brief article will help you to learn on how to find a good Debt Counsellor for yourself or a loved one. Debt is indeed becoming a widespread problem in South Africa and in order to make sure that you are provided with the best possible assistance, you need to choose the right debt counsellor by making sure they meet the following requirements.

1. The Debt Counsellor must be able to explain the debt counselling process thoroughly.

Professional debt counsellors are to be registered with the NCR and are to provide valuable and up to date information about the debt counselling process. Debt counselling is a formal and closely managed debt solution that was implemented by the National Credit Act (NCA) to ensure that South African consumers are ethically assisted with eradicating their debt.

Therefore, the Debt Counsellor in all instances act professionally and reasonably in providing the debt counselling services to consumers and provide such services in a manner that is timely, fair and non-discriminatory and does not bring the NCR or debt counselling into disrepute.

2. Debt Counsellors must protect your personal and financial information at all times

As per the conditions of registration and the Act, Debt counsellors are obligated to keep to your personal and financial information confidential at all times. The National Debt Review Center ensures that all security measures are put in place and client’s information is kept 100% confidential and not sold to outside parties. click here to see our privacy policy.

3. The Debt Counsellor must explain the fee structure thoroughly  

Debt counsellors are allowed to charge various fees associated with the debt counselling process, but the they must be in line with the fee guidelines established by the NCR. According to the NCR, debt counsellors have the ability to charge a debt counselling application fee, rejection fee, debt restructuring/’debt counselling’ fee, as well as legal fees and a monthly after care/‘trailer fee’. Click here to learn more about the fees.

All fees which are payable by the consumer, must be disclosed to and agreed by the consumer in writting. No fee may be recovered from the consumer prior to delivery of the service in respect of which such a fee is chargeable.

4. Debt counsellors must be registered with the National Credit Regulator

According to the National Credit Act (NCA) all debt counsellors are required to register with The National Credit Regulator. Debt counsellors will have a registration number, which can be verified by contacting the NCR on 0860627627. You can also visit the NCR website to verify the Debt Counsellor HERE

5. Debt counsellors must use a registered and reputable payment distribution agency

Debt counselling agencies are legally not allowed to pay credit providers on your behalf once your debt has been restructured, and are instead required to use a Payment Distribution Agency (PDA) that is registered with the National Credit Regulator. The National Payment Distribution Agency is the PDA used by The National Debt Review Center.

6. The Debt Counsellor must be available to assist with all related queries or issues that may arise throughout the program. 

Should any issues arise throughout the process, a debt counselling agency should be able assist you.

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