www.debtfreedigi.co.za

South Africa’s debt counselling magazine

March 2014

Gerhard Dyzel gerhard@dcpartner.co.za082 828 7595 044 873 4532 (ext 126)

Yolandi Meyerpda25@dcpartner.co.za082 338 2680012 348 7624

PDA of choice!

PDA of choice!

• National representation - Regular office visits by skilled, trained agents.

• Automated e-mails can be sent directly for our system - 17.1, 17.2, Proposals, cascade etc.

• Automated client statements per distribution in the form of an e-mail or sms

• Daily Distributions on ALL clients

• Dedicated account managers for EACH debt counsellor

• 24hour access to system, including distributions data - From any PC, Cell phone or tablet with internet access

• Individual, dedicated business bank account per debt counsellor

• Transparency – Access to all data 24hrs per day

• View your bank statements on our system

• We will follow up on Default clients, unpaid funds and unidentified deposits

• Wide selection of reports available directly from the system

Why DC Partner?

Administrators of the Debt Counselling Process

Testimonials from our satis�ed clients:

You take care of your customers, whilst we take care of the administrative and legal challenges associated with the debt counselling process.

It’s so easy.Why not partner with

ADCAP today?

Visit: www.ADCAP.co.zaCall: 086 186 7868

Check thisOut!

Hey Joe!!!

Hi ADCAPThank you for the reply. The service is excellent, wonderful teamwork! Through your services I am able to focus on growing my business. I believe you have the expertise in your �eld. I am looking forward to your guidance.

Kindest Regards, Dave

It is good to hear from you, here everything is

going great thanks and I can sa

y that it is partially thanks to you

.

The admin side of debt counsel

ling is a absolute nightmare, so

it

is a great comfort to know that t

here is someone like you to

handle that side professionally.

I think you do outstanding work

, which means that I can

concentrate on getting to the p

eople that really needs help,

without having to worry about h

ours of admin and red tape.

Thanks for your support, and I h

ope to break all records this yea

r

with your assistance.

Warm Regards,

Gretli

C O N T E N T S

EDITOR’S NOTE NEWS

DEAL WITH DEBT STRESS

DEBT REVIEW AWARDS

CREDIT INFORMATION

AMNESTY

Specialist Attorneys dealing with Debt Review matters

Magistrates Court and High Court Matters

TEL 021 913 2514 FAX 0866070940 EMAIL info@liddles.co.zaPHYSICAL ADDRESS 7 Chenin Blanc Street, Oude Westhof POSTAL ADDRESS PO Box 3407, tygervalley, 7536

It always seems impossible until it is done” - Nelson Mandela

“

When you glance at the calendar and see that you are in the third month of the year some-times you can’t believe that Jan and Feb have already flown by. For many it is a relief just to have made it this far and survived the hard-est months of the year. Debt Counsellors have been seeing more consumers than ever apply-ing for their help and have been busy trying to assist consumers who have been stretched too thin by Repo Rate increases and petrol price hikes.

However the new year has also meant new changes to the industry. There are new regula-tions that have been issued by the DTI Minis-ter which will change the way information is shown on your credit record. Will this make credit reports better for consumers and less useful for credit providers? Read our article to see what you think.

Another large change for the industry, in the form of the National Credit Amendment Bill, is coming soon as the Bill passed it’s second to last hurdle recently. We catch up on where the Bill is now and what happens next in our news section.

If you want to know what it is like to run a debt counselling firm, be sure to read our interview with KZN Debt Counsellor Martin Snyman. Debt Counsellors can also find lots of industry event dates and announcements

near the back of the magazine. If you are look-ing for a Debt Counsellor, attorney, financial advisor or other professional service then why not turn to our Service Directory Section which features many excellent firms which can help?

We are very proud to announce that Debtfree is helping to organise the very first annual Debt Review Awards this year. The event will be a great chance for the industry to acknowl-edge excellence by hard working companies and individuals. You can find out more in this issue about who/what/where etc.

So, take a moment congratulate yourself on surviving the hectic start to the year. If you’re under debt review then keep making your payments and chipping away at that debt. If dealing with debt stress then check out our competition and living on less section for tips and advice.

We hope you enjoy this issue and remember by the time you finish reading it you will be that little bit closer to being debt free.

EDITOR’S NOTE

www.one.za.com

Call us 086 126 6562

insurance done right

Sam HaasbroekPortfolio Manager, Western, Eastern Cape & Northern Cape

Mobile 082 550 7294 Email sam.h@one.za.com

One is an authorised financial services provider – FSP 8783

Marijke Wessels Portfolio Manager, Gauteng, KZN & Free State

Mobile 082 729 3833 Email marijke.w@one.za.com

INDUSTRY CONSUMER

NEWS FLASHFor daily debt counselling news in 3 minutes or less visit www.debtfreedigi.co.za

BDCF refuse NCR MonitoringThe Black Debt Counsellors Forum (BDCF) recently told the NCR that they were not going to cooperate with the monitoring visits by NCR staff until certain key issues (regarding how the NCR monitors Debt Counsellors) were sorted out. The NCR and BDCF recently sat down and discussed the matter. It seems they were able to come to an agreement and that there will now be better communication and education about monitoring as well as monitoring tools. You can read the BDCF announcement here about the results: http://debtfreedigi.co.za/wp-content/uploads/2014/03/BDCF-Response-Monitoring-Process-conducted-by-NCR.pdf

Know your rightsYou may not know it but March is Consumer Rights Education Month. The idea is for organisations like the NCR and Credit Ombud to help educate consumer about their rights. The NCR have to do so all the time because of the requirements of the NCA anyway but they are putting in extra effort this month. One piece of important information that consumers may not know is that they can get a free credit bureau report. It is your right. Want to find out how? Head over to: http://debtfreedigi.co.za/march-consumer-rights-awareness-month/

DCASA announce conference dateThe annual day long Debt Counsellors Association of South Africa will be held in Gauteng, at Emperor’s Palace, on the 20th of August 2014.

Mpho (Thekiso) Lekala leaves FNBThis month saw Mpho (Thekiso) Lekala announce her resignation from FNB. She announced that she will in fact be leaving the debt review space entirely. While not writing off the chance that we may see her again she says it is time for a change. In the wake of Mpho’s departure FNB announced changes to their escalation process for matters which exceed normal time frames or require extra attention. You can read the new details here: http://debtfreedigi.co.za/fnb-debt-review-centre-announce-revised-escalation-process/

New Debt Counselling Firm in Western CapeKarin Augustyn has been a well known figure in the Debt Counselling world for many years. This month saw her teaming up with IT Guru Vanessa Munro to launch the Cape Debt Clinic. They will be focusing on Financial Education and wellness programs as well as offering Debt

South Africa’s largest Debt Counsellors

NEWS CONT.

Counselling. Read all about the company launch here: http://debtfreedigi.co.za/cape-debt-clinic-launch/

The National Credit Amendment Bill moves to next phaseChanges to the NCA are underway in the form of the National Credit Amendment Bill. After much research the DTI proposed the Bill and Parliament spent weeks researching and holding public hearings about possible changes to the NCA (see the Feb 2014 issue of Debtfree DIGI). The Bill was then debated at the National Assembly and has now been passed on to the National Council of Provinces and then the President to sign into law. Once signed by the President, the Bill will be published in the Government Gazette. This means that it is officially law and has to be adhered to. Soon after that we can expect that new regulations, based on the Bill, will be published by the Minister of the DTI.

New Regulations About the Removal of Adverse Credit Information DTI minister Rob Davies made many consumer friends this month when he announced new regulations which will make the various Credit Bureaus stop showing some negative information about consumers on their credit reports. Credit Providers are very concerned about how this will effect their ability to properly evaluate consumers credit worthiness. They have said they will now have to increase their

cost of credit to cover the added risk. Read more about it in this issue.

NCR advertisingThe NCR have continued to really splashed out recently with regard to advertising information about debt review and the use of Payment Distribution Agencies. Adverts have been placed in many newspapers as well as featured on the radio. The NCR have even updated their Billboard in Gauteng about the use of PDAs while under debt review. You can see the adverts here: http://debtfreedigi.co.za/ncr-ad-campaign-pdas/

Increased Petrol Price places consumers under strainFuel continues to climb into record high territory as prices once again rose in March. Debt Counsellors country wide are reporting higher than normal numbers of applications for help as consumers face the Repo Rate increase (0.50 %), inflation and higher transport costs.

NEXTThe Credit Information Amnesty Will you have to pay your old debts?

WHAT DOES THE

CREDIT INFORMATION

AMNESTY MEAN

FOR YOU?Some love it, others hate it.

People say it is just a political ploy to confuse consumers

into thinking their situation has improved, others are convinced

it will open the gateway for consumers to get work and

accommodation. But exactly what is the credit information amnesty?

The term “amnesty” is a tricky one. As soon as most people here that word linked to anything about credit they assume they will not have to pay their debts, since they will receive “amnesty”.

The official term for the “amnesty” is, in fact, the removal of adverse consumer credit information. It has been brought about by the Minister of the DTI who recently published new regulations (for the National Credit Act). These regulations are now changing the way credit bureaus show information about consumers. It also makes credit providers take action to remove past bad listings when debts are paid up.

Will I still have to pay my debt?Unfortunately, yes. Even though some information will not be present on your credit bureau report, you will still be liable for all your existing debts.

However remember that most debts that have not been collected on for over 3 years are prescribed (so you don’t have to pay them) and with the recent National Credit Amendment Bill soon to be in effect, it will become illegal for companies to try trick you into paying old uncollected debt that is prescribed.

So what will change on my credit bureau report?There are many different credit bureaus in SA (see the list). While they all do things slightly different, all have ways of showing when a consumer is not paying well or at all. In fact this is quickly evident if you simply look at the month to month payment history. However some reports also include some negative

terms such as: slow payer, delinquent, uncontactable. The reports also show when a dispute has been lodged or a matter has been handed over to legal (or written off - which often simply means sold to a debt collection company). Some Reports have in the past also had certain symbols which are shown which indicate negative things about the account or consumer. All these things will now have to change.

Also information about past judgments which have now been paid up by the consumer will have to be removed. This will now be ongoing for all paid up judgments.

Why?It seems the concern is that when a consumer applies for a job or accommodation and someone who knows little about finances or credit reports tries to read the consumers report and sees one of these terms they immediately decide the consumer is untrustworthy. By removing this information or making it harder to see if a consumer is and has been paying all their accounts it is hoped this will reduce the negative impact that drawing a credit bureau report can have. It is also hoped that by removing information about how in the past a consumer had many judgments which they have now paid up it will present a more accurate and positive picture. Others hope that by removing this information it will allow some who previously stood no chance of getting credit the opportunity to go apply for new debt.

Credit Bureaus, credit providers as well as many Debt Counsellors are very worried about the possible negative effects of removing this

information. It will make a little more work for credit providers since they will have to now tell the credit bureaus when a judgement is paid up (ok so that is not a huge deal). It may allow credit providers to give consumers access to credit who have for many years been very irresponsible with the credit they had. They would thus be a higher risk and creditors would not know to allow for that.

Could this result in consumers getting access to credit who wont pay it back responsibly?Well, at the moment half of all credit users are behind on payments so the reality is 50% of all consumers are bad at paying their credit. What’s the point of adding more symbols or phrases just to say that? With added guidelines on how credit providers evaluate consumers ability to repay there will be less room for granting credit to consumers who can’t or won’t pay. So it is clear that there is more of a psychological effect to the changes than anything else.

The changes will start to come into effect on the 1st of April 2014 (no joke).

CREDIT BUREAUSTransUnion – 0861 482 482

Experian S.A – 0861 105 665

Xpert Decisions Systems – (011) 645 9100

Compuscan – 0861 514 131

Consumer Profile Bureau – 010 590 9505

CreditWatch (Pty) Ltd – 011 483 0086

Crosscheck Information Bureau (Pty) ltd (previously MLCB) – 0105 909 505

Inoxico – 010 001 0540

LexisNexis – 011 245 6500

Managed Integrity Evaluation (Pty) Ltd – 012 644 4000

Robertsons International Reports (Pty) Ltd – 011 777 4000

Tenant Profile Network (Pty) Ltd – 086 187 6000

Tenant Watch Business Activities (Pty) Ltd – 011 394 6828

You can download the new regulations about the removal of adverse consumer credit information here:

http://debtfreedigi.co.za/wp-content/uploads/2014/02/Gov-notice-DTI-26-Feb-2014-removal-of-adverse-consumer-credit-info.pdf

Nillionaireadj. Someone having little to no money.

Posters available at http://debtfreedigi.co.za/product/nillionaire-poster/

DEBTREVIEWAWARDS

2014

1This year (2014) will see the hosting of the first annual Debt Review Industry Awards Gala. The Debt Review Awards will be held in July of this year in the heart of Cape Town, CBD. Debtfree are helping to coordinate the red carpet event.The Gala Event will offer the debt review industry the chance to recognize the hard work done both by individuals as well as companies to improve the debt review process. Consumers, Debt Counsellors, Credit Providers, Attorneys, NCR and DTI representatives as well as Payment Distribution Agencies will all attend.

Debt review is helping hundreds of thousands of consumersRecently the number of consumers applying for debt review each month has shot up dramatically as financial pressure on consumers continues to mount. Increased fuel costs, high rates of unemployment as well as poor financial management continues to haunt South African consumers. As prices go up more and more consumers are crossing the barrier from hanging in there to over-indebtedness (when you can’t pay all your debts and still provide for your families needs with the money you earn). Fortunately for hundreds of thousands of South African consumers, they have been able to take advantage of the provision of debt counselling introduced by the National Credit Act. The number of applicants is fast approaching half a million consumers.

Debt Review Turns 7 in 2014The middle of 2014 will see the debt review process turn 7 years old. By mid year the recent National Credit Amendment Bill will also be in effect bringing further improvements to the debt review process. Thus July will be an

Administrators of the Debt Counselling Process

Testimonials from our satis�ed clients:

You take care of your customers, whilst we take care of the administrative and legal challenges associated with the debt counselling process.

It’s so easy.Why not partner with

ADCAP today?

Visit: www.ADCAP.co.zaCall: 086 186 7868

Check thisOut!

Hey Joe!!!

Hi ADCAPThank you for the reply. The service is excellent, wonderful teamwork! Through your services I am able to focus on growing my business. I believe you have the expertise in your �eld. I am looking forward to your guidance.

Kindest Regards, Dave

It is good to hear from you, here everything is

going great thanks and I can sa

y that it is partially thanks to you

.

The admin side of debt counsel

ling is a absolute nightmare, so

it

is a great comfort to know that t

here is someone like you to

handle that side professionally.

I think you do outstanding work

, which means that I can

concentrate on getting to the p

eople that really needs help,

without having to worry about h

ours of admin and red tape.

Thanks for your support, and I h

ope to break all records this yea

r

with your assistance.

Warm Regards,

Gretli

insurance done right

important month for the industry. July will also see the Debtfree Special Print Edition distributed countrywide which will show consumers the many benefits of taking control of their financial situation with the help of debt counselling.

Debtfree Editor Zak King says: “As an industry matures so does it’s needs. Debt review is a great process and there are companies and individuals who are making great personal efforts to make debt review work. The Debt Review Awards will provide our industry with a way of acknowledging those efforts.” We would like to thank our Event Partners/Sponsors and Supporters.

All professionals have professional indemnity if the unforeseen happens. Do you as a professional Debt Counselor have

professional indemnity as stipulated by the ethical code?

contact us today for more information0861 112 882

TELEPHONE 0861 112 882 FACSIMILE 086 605 9751 MOBILE 082 449 6856 EMAIL andre@in2insurance.co.za

www.in2insurance.co.za

telephone +27 (0)21 462 7533email info@wcca.co.zawww.wcca.co.za

ACCOUNTING | TAX | AUDIT | CONSULTING

CONSUMER

Times are tough and we all need to make our money stretch these days. As the cost of living increases it seems that, come the end of the month, there is always a little less cash left to enjoy life with.

The Living on Less is a section of Debtfree DIGI which looks at ways wise consumers can keep their living expenses down and save funds. We also consider ways to still have some fun for less.

Living on Less is about spotting a great deal and letting others know. It’s about changing our mind set to reflect the reality that times are tough and we need to get savvy.

Sure times are tough but you can still have fun while Living on Less.

LIVING ON LESS

DEALING WITH DEBT STRESS

CHOMPETITION WINNER

SAVE ON FUEL- COMPETITION

CONSUMERINDUSTRY

DEALING WITH DEBT STRESS

One of the untold elements to dealing with debt is the stress it causes. That stress feeds into all elements of your life. Sadly many people in debt soon find their relationships with family, colleagues and friend in trouble. Debt stress can soon become work stress which can put you in danger of becoming unproductive or even losing your employment. Often times

debt stress can leave you restless or unable to sleep at night. Less rest means you are more susceptible to further stress. It is a vicious cycle!One aspect of dealing with debt therefore is learning to deal with stress as a whole. Learning how to improve in this area can stop the stress cycle and in fact can help in dealing with your debt and its causes as well.

Here are a few ways you can reduce your stress and not let your stress levels effect you at home and work: Lets first look at a few short term solutions to get the ball rolling.

• Count to 10 before saying something you will regret. Really try to hold back. Quitting your job will not solve your problems. Shouting at your family will not make you a happier person.• Switch to decaff coffee or herbal tea• Listen to your favorite song. It’s a great way to take a time out and regroup• Remove yourself from the problem and go for a short walk in the fresh air• Take nice deep breaths• Have a 20 minute nap (preferably not at your desk at work though)• Hit the gym when feeling overwhelmed• Have a soothing bath with your favorite bath salts or bubbles• Learn to say No. You cant please everybody all the timeThe last one here is probably the most important. Being overloaded with too many obligations and not delegating will soon have you overwhelmed and prone to stress. In many cases asking if you can have a bit longer to accomplish a task or turning the task down is the best way to remain in control. Do not assume you are a multitasking guru.

What about bigger/ long term solutions?

• Talk to somebody, parent, friend, boss or professional about the pressures you face.• Always take a lunch break at work, clear your head and get some perspective. Even if you work for yourself.• Do fun things as a family, including chores, preparing meals and lunches for the next day.• Join/Start a dinner club, where each week one family hosts the meal and all contribute towards the dinner. This way you get to spend time with your friends, and have one less night on which you have to cook.• Each morning make a plan for the day where you delegate tasks and deadlines that need to be met. Why not write things down. It really works and makes you focused and productive.• Take your dog for a walk each evening or early morning to clear your head and give Fido some attention. Alternatively go for a jog. Its healthy and will help you think things over in a non pressurized environment.• Attend a Yoga or Pilates class at least once a week if you are a member of a gym.

If you are experiencing debt stress another positive thing to do is talk to a professional, such as a Debt Counsellor. Sticking your head in the sand and ignoring the problem will not make it go away. In fact the situation will become harder and harder to deal with the longer you leave it out of control. Getting help from a professional can be a huge source of relief.

TERMS & CONDITIONSThe Prize is for one reader to have the Cyclone Fuel Saver Device supplied and fitted to their vehicle. Transport to the prize fitting venue is at the winners own cost. Debtfree’s choice of winner is final. Winners will be notified via email. No correspondence will be entered into in this regard. Debtfree accepts no liability. Prize valid for 2 months from date of announcement. Prize is non transferable. Winner may be required to provide feedback to Debtfree DIGI for promotional purposes. Prize cannot be exchanged for money.

COMPETITION: SAVE ON FUELThe petrol price went up again. Ouch! What can you do to off set the price increase? Would you like to spend less on your fuel consumption each month? Would you like to get a little more power out of your vehicle? Well, you can with the Cyclone Fuel Saver. Best of all it is brilliantly priced at only R299 per unit.

If you read last month’s Debtfree DIGI you will have seen how one of our staff tested the product and immediately felt more power and saw a fuel saving. Now you can too.

Read more about it here: http://debtfreedigi.co.za/escalating-fuel-costs-can-done/

Cyclone Fuel Saver and Debtfree are making it possible for one of our readers to have this fuel saving device fitted to their vehicle at no charge.

HOW TO WIN:If you would like to win a fitment of the Cyclone Fuel Saver to your vehicle all you have to do is visit their site http://www.cyclonefuel.com/and tell us:

What is the Cyclone Fuel Saver and where is it fitted in your car?

http://www.cyclonefuel.com/

don’t be a twit

http://twitter.com/Debtfree_DIGI

MARTIN SNYMAN

DEBT COUNSELLOR PROFILE

How long have you been a DC? I was registered in February 2010.

What did you do before becoming a DC? I started my career as an accountant, joined the credit industry in 1995, was a credit man-ager at corporate microlending between 1999 and 03. I had my own debt collection business between 2003 and 09 and then joined debt counselling industry in 2010.

Tell us about KZN Debt Counsellors.The company has 5 registered DCs and a staff compliment of 24. We operate from KZN.

What do you feel makes your business a suc-cess? The consumer is at the heart of it all. Too many shortcuts and too much administrative gar-bage exist in the industry that is not part of the NCA and often the consumer is overlooked. We intentionally put the consumer at the fore and assist them within the ambits of the NCA and other available legislation. Too many DC’s are only focusing on the debt review process and forget that there is also a debt counselling process, where the DC can assist the consumer to change their behaviour to take responsibil-ity of finances and control spending.

Where/how do you find new business/clients? Social marketing is a big contributor to our success. Personal contact with consumers is vi-tally important to establish trust. We therefore arrange and attend financial literacy and well-ness workshops to support all consumers and not only those who are financially distressed.

What is the biggest challenge facing Debt Counsellors at the moment?

Cooperation in the industry. DC’s have to speak with one voice. For too long the industry was represented by a select few and the voice of the bulk of DC’s was not heard. If the differ-ent factions in the debt counsellors industry, ie DCASA, ALLPro and BDCF can manage to meet eye to eye on industry challenges, the op-erational challenges can be addressed unani-mously at the Credit Industry Forum.

What is the biggest challenge facing your consumers at the moment? Abuse by credit providers who are obstructing the purpose of the NCA. Some credit provid-ers continue with money grabbing, ignoring reasonable proposals, opposing debt review court applications on irrelevant technical as-pects, rescinding debt review court orders on technical aspects and by doing so, disrespect-ing the cooperation from a paying and loyal consumer.

What advice do you have for consumers un-der debt review?Hang in there! Debt review is a process that was developed and enacted to offer debt re-lief. The fact that the road is tough at first must not discourage consumers from keeping up with their new payment arrangements.

KZN Debt Counsellors Pty LtdTel 032 596 3597email martins@kzndebt.com

DCASA Western Cape Branch Meeting: 20 March 2014 at Parow Golf Club from 10:00. DCASA KZN Branch Meeting: 16 May 2014 at West-ville Country Club from 10:00. DCASA Conference will take place on the 20th Au-gust 2014 at Emperor’s Palace. Bookings will open shortly. To find out more, contact DCASA at dcasa@dcasa.co.za or 086 143 2272.

DEBT COUNSELLORS ASSOCIATIONS ANNOUNCEMENT BOARD

www.dcasa.co.za

For more information about the Debt Counsellors Union contact: chairman@newera.org.za

Check out some news on our sitehttp://news.newera.org.za/track.php?link_id=5c49a201dd095ad3&cid=ce72001fd269742b

www.newera.org.za

BDCF has successfully met with the NCR re monitoring tools. BDCF advised BASA of consumer harrasment. A report is since being completed in order to forward to BASA.

Concerns were raised with FNB regarding sending consumers info sheets about debt review. We will also be meeting with Bayport this month re: proposals.

www.bdcf.co.za

Our NEC will be meting in Cape Town this month. See newsletter for more details

Join the Alliance of Professional Debt Counsellors today. We have regional representation in all major provinces and focus on both the NCA & the needs of our members.

www.allprodc.org

Credit Industry Forum - updateWe wish to thank our members who were able to help us draft a response to the NCR’s call for comments to the Credit Industry Forum ( CIF) committee on withdrawal from debt review. We received many good suggestions and passed them on to the NCR/CIF. It now remains to be seen what other input they have received from other Debt Counsellors and credit providers in this regard.

One of the seemingly positive aspects to come out of the current standing on this matter due to the Rogeur Judgement is that where consumers for no good reason stop paying the Debt Counsellors fees (or even never pay any fees at all) they will now be faced with the reality of being under debt review without a Debt Counsellor. This will mean they will have to source another Debt Counsellor to set matters right or preferably repair matters with

the original Debt Counsellor and catch up on the debt review (or the accounts that remain under debt review). If this is clearly explained to consumers up front when applying for debt review it may reduce any abuses we have previously come across in this regard and ensure that Debt Counsellors do receive their fees for professional services rendered.

March MeetingA NEC meeting is being held this month to discuss important matters as raised by various members. We have also invited several key industry players to join us to discuss opportunities, as well as, the challenges we are currently facing. Once again the focus at the meeting will be to streamline our operation, improve cooperation with others and refine our strategy for 2014. We hope to soon report on all the positive outcomes from the meeting and interaction with those invited.

NEWSLETTER

MARCH

CONTACT DETAILSsecretary@allprodc.org

FORUM: www.debtconcern.webs.com

WEBSITE: www.allprodc.org

FACEBOOK: www.facebook.com/AllProDC

TWITTER: www.twitter.com/AllProDC

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

Cape Debt ClinicYour Guide to Financial Wellness and RecoveryKarin Augustyn 021-828-2658 073-903-6942 karin@capedebtclinic.co.za

Central SA Debt Counsellors082 950 7806Fax: 086 563 1621

Consumer AssistTel: 0861 628 628

Credit MattersSouth Africa’s Largest Debt Counsellors14th Floor, The PinnacleCnr Strand & Burg StCape TownTel: 086 111 6197Fax: 021 425 6292info@creditmatters.co.za

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

Darran ManikamNCRDC704debt@mailbox.co.za

Debt BudgetMAXIMISE YOUR LIFE, MINIMISE YOUR DEBTBruce Leslie BorezRegistered Debt CounsellorNCRDC164348 Church Street “Medical Mews” Wynberg, Cape TownTel: 021 824 8885/021 820 4946Fax: 086 607 6429www.debtbudget.co.za

DebtSenseGroupFor Professional, Responsible and

Effective Debt Restructuring ServicesJohn Harvey NCRDC 1370

Newcastle – KZNTel: 034 312 1767 Fax: 034 315 3441Email: debtsense@newcastle.co.zaWeb: www.debtsensegroup.co.za

Debt Solve Debt CounsellorsOffice: 033 397 0945

DebtSafe0861 100 999

Debt SeriousWe are serious about debt

Financial Synergy Group Credit Awareness & Rescue ServicesDEBTINC0861 20 21 20enquiry@debtinc.co.za Financial Planning & GrowthCONFIDO022 713 20 21planning@financialsg.co.za Legal012 643 1423legal@financialsg.co.za Employer Group & Wellness Services012 643 1423wellness@financialsg.co.za Call Centre Services0861 20 21 20reception@financialsg.co.za

SERVICE DIRECTORY

DEBTBudget

SERVICE DIRECTORYVida Scheepers NCRDC1792Po box 394, Garsfontein, Pretoria 0042Fax no: 086 553 9403vscheepers@mweb.co.za

Debt TherapyHans Pettenburger-Perwald NCRDC49Tel: +27(0) 21 556 4935Fax: +27(0) 21 556 4937Toll Free: 0800204728Cell: 0823358232www.debt-therapy.co.zaEmail: info@debt-therapy.net

Debt RehabColleen Van Wyk(BCom, LLB)Debt Counsellor NCRDC2619Tel: 083 290 0848Tel: 011 740 7374Fax: 086 716 9694Debt eezyYour Debt Solution made EasyAshley Carstens NCRDC858 Tel: 021 839 2809 Fax: 083 512 4160 / 086 665 9125 Email: debt.eezy@gmail.comWebsite: www.thedci.co.za

Debt RescueNeil RoetsNCR DC 474Cell: 083 644 7406Tel: 0861 800 009

Fax: 086 523 0617E-mail: admin@debtrescue.co.zawww.debtrescue.co.za

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: dburge@telkomsa.net

Durban Debt Counselling ServicesSuite 112, 1st floor Union Club Building353 Sm ith StreetDurban, 4001Tel: 031 301-7893Fax: 031 301-5809phumla.ngema@telkomsa.net

The best angle to approach debt is the Triangle

Caledon - Western CapeContact Person: Yolande8 Hoop Street, 7230 Caledoncaledon@triangletrust.co.zaTel: 028 212 2537

Ceres - Western CapeLeyll str 61, 683 Ceresandre@triangletrust.co.zaTel: 023 312 1292Fax: 023 312 2119

Worcester - Western Cape71 Porter Street 6850 Longitude: 19.44305Latitude: -33.64942worcester@triangletrust.co.zaTel: 0233420576Fax: 086656801

Bloemfontein - Free State94 Zastron, 9301 BloemfonteinContact Person: Yolandebloemfontein@triangletrust.co.zaTel: +27 51 448 2828Fax: +27 51 447 9481

Viljoenskroon - Free State35 Denyssen Street, 7230Contact Person: Johann Olivierviljoenskroon@triangletrust.co.zaPhone: +27 56 343 0352Fax: +27 56 343 035

Welkom – Free State329 Stateway, 9460 WelkomContact Person: Susan RouxEmail: welkom@triangletrust.co.zaTel: +27 57 352 6117Fax: +27 57-352 2355

Fair Finance SolutionsYour debt is our priorityAmanda FairRegistered Debt Counsellor NCR946553 Jacqueline DriveGarsfontein PretoriaTel: 0861 26 26 32Fax: 082 921 7093Cell: 086 564 3674amanda@fairdebtcounselling.co.zawww.fairdebtcounselling.co.za

Fincorp debt Counsellors ccCecilia Zwarts fincorpdc@yahoo.com

Finesse Debt CounsellorsNCR Registration No: DC1262Address: 478 Windermere Road, Morningside, Durban, 4001Phone: 031 209 2356/ 084 250 2356 / Fax: 086 5732433e-mail romie@debtfinesse.co.za www.debtfinesse.co.za

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

Incentive Debt Counselling“Paving the way to a Debt Free Tommorrow”Darran Manikam NCRDC704Tel: (031) 409 9379Fax: (031) 409 1327Cell: 0845898286Branches: Phoenix and ShallcrossIndigo debt counsellors CCTel: 087 808 9734 Fax: 086 580 8675 indigodc@iburst.co.za

MG Consulting Strand - Helderberg AreaTelkom : 021 853 4537 Mobile Phone: 082 450 7459Fax Number: 0866 220 690E-Mail: info@mgconsultingwww.mgconsulting.co.za

Mzansi Debt CounsellingOctavia HlatshwayoTel: 011 868 1185Fax: 0861 00 22 70octavia@mzansidc.co.za www.mzansidc.co.za

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

New Deal Debt CounsellingJason Riley (NCRDC868)B.Com (Financial Management)Cell 0723792108Fax 0866628789info@newdeal.org.zawww.newdeal.org.za

SFA Debt Relief Consultants Adri de BruynNCRDC99811 Market Street / Markstraat 11, Paarl, 7646Tel: 021 872 1968Fax: 021 872 2678adri@sfadebtrelief.co.za

Penny Wise Debt CounsellingCathy Foster Debt Counsellor - NCRDC1977Tel: (011) 794 9912Fax: 086 719 3378Mobile: 083 298 4467Email: cathy@pennywise.co.zawww.pennywise.co.za

Rihanyo Debt Counselling(012) 804 50 57

SERVICE DIRECTORY

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

U-Win Debt CounsellorsCoreli Roos - NCR DC 509Aliwal North, Burgersdorp, Bethulie, GariepDam, Smithfield, SpringfonteinCell:079 626 66241croos@global.co.za

Zuné Coetzer Debt CounsellorsNCRDC 159924 van der Stel Street, Dan PienaarBloemfonteinTel: 051-4364515Fax: 086 5870 845Email: zunecoetzer1@gmail.com

SUPPORT SERVICES

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

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 MoneyNCR ACCREDITED DEBT COUNSELLOR TRAINING COURSES:Training and mentoring since 2007Want to make a contribution as a registered debt counsellor?Need to empower and upskill staff in your debt counselling business?Courses devised to suit all needs: Flexible timeframes to accommodate workflows. On site/inhouse training for staff.Contact Dawn JacksonDawnjackson.training@telkomsa.netCell: 072 1769789

FINANCIAL

ABSA Customer Debt Repair Line0861 005 901

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.zaBoksburg / GermistonContact: Armand PosthumusTel: +27 11 8921911Fax: 0865620378

NelspruitContact: Ann BakerTel: +27 13 7415559Fax: 0880 1374 15559Cell: +27 82 9024236jeleroux@telkomsa.netSpringsContact: 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 482 482

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

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

Liddles & Associates“It always seems impossible until it is done” N. MandelaTel: 021 913 2514Fax: 0866070940Email: info@liddles.co.zaPO Box 3407, tygervalley, 75367 Chenin Blanc Street, Oude Westhof

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

O’Connell & AssociatesAttorneys at LawKeegan O’Connellk.oconnell@oalaw.co.zaTel 021 462 1663Fax 0866 504 550303 Millborough, 70A Upper Mill Street, Vreedehoek, Cape Town,8000

DIRECTORY

Is it time to expand your Debt Counselling practice?

Do you need specialist Attorneys with a national footprint?

Do you need expert advice on how to protect your practice and your clients?

Are you informed about recent statutory and legal developments within the industry?

Attorneys servicing individual needs

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

Prinsloo & AssociatesAttorneys and conveyancersNanika Prinsloo Farm Bergamot, Paarl 7620P O Box 6199, Paarl 762014 Laing Street, Barrydale 6750Cell: 072-8558-106Fax: 086-623-5986nanika@vodamail.co.zawww.empowerlaw.co.za

RM Brown and Associates 601 Pier House, 13 -17 Heerengracht, Cape TownTel: 021 431 9127, f: 021 425 0875 Email: oliver@rmbrown.co.za

Scheepers AttorneysGerhard Scheepersschlaw@iburst.co.za

Steyn Coetzee Attorneys / ProkureursAdri de Bruyn11 Market Street / Markstraat 11, Paarl, 7646Tel: 021 872 1968Fax: 021 872 2678adri@steyncoetzee.Co.Za

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

Dont miss out on a single

issue!

Thomson Wilks inc.Meet Thomson Wilks Meet ExcellenceTel 021 671 6935 / 021 820 4319 / 021 424 4599Cell 072 554 0935Fax 086 570 8741Website www.thomsonwilks.co.zaSuite 14, 3rd Floor, SunClare Building, Dreyer Street,Claremont, 7708The Chambers, 3rd Floor, 50 Keerom Street, Cape Town, 8001

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

Experianwww.experian.co.zaConsumer- 0861 10 5665

TransUnion 0861 886 466www.transunion.co.za

XDS 0860 937 000 www.xds.co.za