www.debtcounsellingsa.co.za

DebtfreeSouth Africa’s debt counselling magazine

March 2010

DebtfreeSouth Africa’s debt counselling magazine

Well, I think we can all agree that the recent natural disasters in New Zealand and Japan have brought home how fragile our day to day existence can be and how quickly things like bonds and account debt can suddenly mean nothing. That having been said we do still have to deal with these things at present. So, this month Debtfree DIGI has rounded up some local industry news to keep you up to speed. We have an article dealing with those horrible calls that consumers get telling them their debt review has been terminated. With the recent spate of termination letters sent out

Editor

CoNtENtSEditors notes

News

What’s going on

Debt Review Terminated?

Change your Domicilium

Meet the Commissioner

New Software

Service directory

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03

06

08

10

12

13

18

by certain Credit Providers it might be good to look this article over. If you are thinking of buying or possibly selling property you will be pleasantly surprised by recent changes to the duties payable. Also of interest is the first of April this year. No, not for all those silly pranks but because the new Consumer Protection Act will come into force. Do you know who the National Consumer Commissioner is? Well Debtfree will help you get acquainted with her.

You may feel that your whole life is a disaster of sorts but with advanced planning and the right tools you will hopefully be on the road to control.

Enjoy the issue.

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NEWSChristopher Bornman of PBC Appeals de-registration as a debt Counsellor,by the National Credit tribunal

Christopher Bornman who has over 4500 consumers under his name on the NCR debt help database, has appealed the decision by the NCT to de-register him as a DC. While many feel that this is simply a time gaining exercise and destined to fail, it is the right of anyone who is de- registered. It is however, unlikely that there will be a different finding in this matter, as many irregularities where previously found in regard to his handling of matters. Especially of note, was the 10% “collection commission” which consumers were asked to pay. With recent changes in regard to “codes of conduct” for the debt counselling industry, and the looming Consumer Protection Act, it is likely that future abuses along these lines will not be repeated by any DC firm.

Bornman and Associates and Prosperitas Bene Carpe CC (known as PBC) were previously ordered by the National Consumer Tribunal not to hold themselves out to be debtcounsellors or offering debt counselling services. Should the Tribunal ratify its decision, Bornman will have to turn his files over to the NCR who will reassign them to another DC firm or possibly many different DC’s. The NCR have not revealed who will receive what portion of the 4500+ clients who represent a large work load and many thousands of Rands in monthly after-care fees. If divided among the practicing

DC’s in SA, these consumers would make for almost 6 consumers per DC!

PdA to send out statements

DC Partner Payment Distribution Agency is now to send out sms statements to all consumers (with mobile phones) on their system and will be sending consumers copies of their distribution statements directly. Previously, DC Partner provided the statement info to DC’s and then the onus lay with the DC to distribute the information. This placed a large strain on the DC’s and as a result many consumers where not receiving the monthly reports of how their funds were being distributed. Obviously, this is something that concerns both the NCR and DRAC. All PDA’s have been asked to ensure that consumers are kept up to date with what is happening to their funds. DC’s should encourage their clients to study their monthly distribution statements to check for possible anomalies. DC Partners have asked their DC clients to update their consumer email addresses on the Debt Wise system to ensure the consumers receive statements at the correct email address

dCASA announce new NEC

A new National Executive Committee was recently elected at the DCASA meeting on the 2nd of March 2011. The 7 permanent members

iNdUStrY CoNSUMEr

of the new NEC are: M.P. da Silva, P.J. Davis, N.J. de Broize, A.J. Richards, G.G. Rodrigues, P.J. Slot, A.M. Snyman. Joining them on the NEC will be the 9 elected Provincial Branch Committee members such as: A van de Venter ,S Barkenhuizen ,M Neethling ,W Olivier, R Dickenson, and M Eksteen and others.

Please note that in last months Debtfree DIGI we described the DCASA meeting held on 2nd March as the “NEC meeting” this is not entirely accurate. Rather, all members in good standing were invited, and a new NEC was elected at that time.

dCASA continue to grow

DCASA report another 30 new members for the month of February 2011.

it’s no joke, Consumer Protection Act in effect from April 1st 2011

The new CPA will be in effect from April 1st this year. Any and all contracts signed from this time will fall under the CPA (unless excluded specifically by the Act itself). So you may want to hold off a few more days before renewing your cell phone contract.

SdC site now features a forum

The SDC website now features a forum for DC’s to communicate with one another.

Visit: http://www.sdc-sa.co.za/

debt Wise program gets a facelift

A new version of the Debt Wise Solutions which is a Debt Counseling PDA interface was launched over the weekend of 18 - 20th March.

Debt Wise Solutions have prepared some help files viewable on:http://wiki.debtwisesolutions.co.za/index.php?title=Help:Contents

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

RM Brown& associates

www.rmbrown.co.za

Some important dates past and future to keep in mind:

14 MarchLimpopo DCASA meeting to be held.

16 MarchGauteng DCASA meeting to be held.

18 March W.Cape DCASA meeting to be held.

DEBT WISE SOLUTIONS updating Debt Wise interface.

21 March KZN DCASA meeting to be held.

23 March PADSA has been requested to review the impact of the new PDA fees once the consumers number of credit agreements has reduced and submit proposal to DRAC.

A new Sub Committee has been formed to identify possible amendments to the NCA. The Sub Committee is tasked to identify possible amendments and submit a discussion document to DRAC.

25 MarchFree State DCASA meeting to be held.

31 MarchEastern Cape DCASA meeting to be held.

1 April New Consumer Protection Act in force.

New Debt Counselling fees have been accepted at DRAC and will be submitted to NCR Board in March for adoption. Estimated implementation date is 1 April 2011 subject to NCR board ac-ceptance.

WHAt’S GoiNG oN!

Over the last few months or so there has been a substantial increase in queries around Credit Life Insurance and the effect it may or may not have on a person’s debt review status. Although there is no clear cut answer it may be worthwhile to address this in the hope that the picture will become clearer around this contested issue. Firstly, let’s look at the National Credit Act and highlight a few pertinent points pertaining to credit life.o The credit provider may require a consumer to maintain credit life insurance during the term of the agreement.o The credit provider may offer a consumer optional insurance.o The credit provider must NOT offer insurance that is unreasonable or at an unreasonable cost.o Consumer must be advised of the right to waive the proposed policy and substitute with a policy of his or her own choice.o The credit provider must disclose all costs to the consumer.o The terms and benefits must be explained to the consumer and a copy of the policy document must be handed to the consumer.Now, let us take time to reflect on these 6 points briefly and please feel free to drift back to a time when you applied for credit... Can you recall any of these points being discussed with you? I am quite sure that none of them were even remotely mentioned, let alone you receiving a policy document. Further to this the costs were neatly embedded within your credit agreement and should you not be aware of this, the chances of you claiming would have diminished substantially, even though you may have had a valid event to claim for- like retrenchment, interesting don’t you think?

Let`s take it a step further, the Debt Counsellors code of conduct and more specifically the Enhanced Debt review process rules under section 3.8, stipulates that the Debt Counsellor must ensure that Credit Life premiums are maintained. Is your Debt Counsellor informing you as such? Have you maintained these premiums? As a Debt Counsellor, do you know how to do this?It does seem to be a rather grey area with if`s and but`s not far off so the need for understanding is of paramount importance as credit providers are looking for ways and means to terminate or at the very least an opportunity, from a contractual point of view, to repossess assets. If this is a grey area, would it not be in the best interest of all to find a workable solution?We are all aware of the fact that the cost of Credit Life Insurance can be quite costly with rates varying from R 2.00 per thousand Rand to as much as R 25.00 per thousand Rand! So, on a simple account with a credit limit of R 10 000.00 you could be paying quite a bit for the cover. Where to from here you may ask yourself? Well at Debtplan we have the solution for both consumers and Debt Counsellors! With a rate of R 3.50 per thousand, we will consolidate all your credit life insurance held with credit providers. Not only will this create a saving, but will also at least take the worry out of the grey areas. The other benefit is the fact that when it comes to a claim, all you have to do is call one company and not run around to all your credit providers to submit a claim!

So what does Credit Life Insurance cover? Well that is simple – Death, Disability, Dread Disease and then of course most importantly Retrenchment. Feel free to chat to your Debt Counsellor or call Debtplan to discuss.

Credit Life insurance and your debt review

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

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

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

GautengCharlene GreenT: 016 454 2300E: charlene@debtplan.co.za

Call us on 0861 33 2875 www.debtplan.co.zaFSP 30490

When you get a call from a creditor saying they want money now even though you are under debt review, it can be a scary thing. Especially when the person on the line says: “well, your debt review has been terminated”.

Before you start to panic, ask yourself: Who is this person? Who do they REALLY work for? Can I trust them more than my DC?

Is it possible that your debt review has been terminated as the person claims? Well you need to ask yourself: • Have I missed any payments since the debt

review began? • Have I paid less than I should have at some

point? • Has the debt counsellor been asking me for

info and documents that I have neglected to send through to them?

• Did I pay late?

All these things may be reasons why someone’s debt review would be terminated. If this was going to be done though, you would have been contacted by the DC (probably in writing) to discuss your situation with a view to correcting it. Normally the Debt Counsellor will give you at least two weeks to try sort the situation out.

When Credit Providers do not get the amount that has been proposed to them by the DC, they will contact the DC and ask for more information and warn him that the debt review might be cancelled. Normally this is done with a Section 86(10) notice which allows for 10 days to sort things out. During that time hopefully the matter will be resolved. Often, it is something silly, i.e. maybe it was just an incorrect digit on the reference number used by the PDA, or maybe the Credit Provider had the wrong amount captured on their system. If so, things will be sorted out.

“tHEY ArE SAYiNG MY dEBt rEviEW iS tErMiNAtEd”

CoNSUMEr

Image: Filomena Scalise / FreeDigitalPhotos.net

However, often time, the credit providers will send out a termination letter simply because they do not want to accept the amount that has been apportioned to them by the debt counsellor (Nedbank sent out an estimated 65000 of these letters at the end of last year in an effort to seemingly get out of the debt review process). In this case, what is important, is whether your court matter is “set down” or waiting at court. If it is, then as was recently resolved in the Wesbank V Papier matter in the High Court, the creditors are simply wasting time, effort and trees trying to go this route. If the matter is set down they are welcome to come to court to discuss the matter with the Magistrate. However since the matter is now a legal “court matter” it would not be proper for them to deal with you without your attorney present (even over the phone).

If your matter is not set down at court (ask your debt counsellor if it is and who will be representing you) then you have hit a bit of a snag. The National Credit Act does allow for you to have the account put back into debt review if the creditor takes legal action against you. This is called an 86(11) Application. Obviously this might only be successful if you have been paying according to the debt review proposal that the DC made. It would also be very necessary at that point to have the debt review application made at court with all due haste.

Some creditors will terminate or remove the debt review status from your accounts on their internal system regardless of the court status. They will then send your account on to a department within their company to do collections. Alternatively, as is very common,

they may outsource the collection and so you start to get calls. Commonly when you get these calls they will say things like: “it’s not my job to call your debt counsellor” etc. So what do you do?

1. Get the persons name and surname (get them to spell it if necessary),

2. Get the company name that they DIRECTLY work for (not “I’m calling from Nedbank”),

3. Get lots of contact details (email, phone, fax as many as you can),

4. Make sure you know which account they are talking about,

5. Offer to send them documentation proving you are under debt review. Maybe you have a copy of the court application you could sent to them,

6. Ask for a reference number for the call (many companies record their calls),

7. End the call politely but firmly, and contact your debt counsellor to provide him with all the details.

Remember that if people pester you, you can complain to the relevant bodies about the matter. Your DC can help you do so. However it is important to keep a record of who exactly called and when, as these details will be required for the NDMA or Ombud (for example) to investigate.

Don’t be bullied by blustering callers demanding funds, and definitely do not make arrangements to pay them outside the debt review process. Let your DC deal with them - that’s their job! Remember just because someone says “your debt review has been terminated” does not necessarily make it so.

CHANGE YoUr doMiCiLiUM AddrESS

CoNSUMEr

When you sign a contract you will be asked to provide your domicilium address. Basically, this is an address where your primary residence is and where documents can be served on you. Most consumers don’t think twice about what address is on their contracts and it is a rare consumer who will notify their credit providers in a documented manner of any change to their domicilium.

Some consumers even think it is a good idea not to let credit providers know where you live so that “the Sheriff can’t find me” or other such reasons. The reality is, however, quite the opposite. Should you fail to inform your credit providers of a change in your domicilium address they would be within their rights to send Section 129 or 130 Notices and Summonses to the address you have filled in on your old contract. This could mean that the first you hear about a judgment or warrant against you will be when the Sheriff knocks at your new address.

True, it seems that credit providers can find you easy enough when they want to try reposes your vehicle or write up and sell your assets. After all, they just need to call you. However, some Credit Providers still find it to

their advantage to send documents to your domicilium address.

If you have filled in a bond application with your “old” address from before you got the bond... well the bank can just pretend they didn’t know you are now living at the bond address (and indeed in all fairness, you may not be) and they can send documents and Summonses to your “old” address. This may mean that you will not get a chance to defend any summonses in court simply because you did not know they had been served on you. Many courts are upholding the idea that it lies with the consumer to inform the creditor of a change of address (as your contract may require) and just because you did not know about the legal action, it is not enough to change things after legal action has happened.

If you are under Debt Review, it is important to inform all your creditors in a verifiable manner (e.g. via fax with the fax report or via email with the read receipt or with a signed receipt copy from a staff member of the credit provider) of your current domicilium address. This will help protect you from missing out on important information, which may have a serious impact on your life, if not received.

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Do you needan attorney who specialises in Debt Review matters?

The new Consumer Protection Act comes into effect as of 1 April 2011. South Africa’s newly appointed National Consumer Commissioner, Mamodupi Mohlala, has been working hard to make sure everything is in place for the big day.

She says: “The National Consumer Commission is a revolutionary institution. Consumer rights are critical and if enforced to the letter will result in the socio-economic advancement of all South Africans.” The National Consumer Commission, which she heads, is made up of a relatively small team of 26 staff, considering the 40 odd million consumers they will be looking after. Their mandate is to initiate complaints on systemic problems affecting consumers; investigate complaints referred by consumers; negotiate settlements of complaints where businesses want to settle maters without referral to the Consumer Tribunal, and to issue consent orders and refer matters to the Consumer Tribunal and the Equality Court. But in simple terms, their role is one of dispute resolution and advocating consumer rights.

“We are going to be very proactive rather than reactive with a very strong investigative focus. We intend going out in terms of the Act and identifying specific industries and investigating whether there are any transgressions of the CPA.” Mohlala promises.

Ms Mohlala has not identified specifically which industries will be investigated first, but it could be the pharmaceutical industry and in particular, companies that produce skin lightening products, which can be hazardous and have been banned in some overseas countries.

National Consumer Commission also has big plans to establish a code of conduct for each industry in the near future. Ms. Mohlala says: “We are busy working behind the scenes to... deadline to ensure we can open our doors on April 1 and can offer relevant services to consumers.”

We wish her all the best.

MEEt CoMMiSSioNErMAModUPi MoHLALA

With any new industry that develops, new software solutions are found to automate, record and simplify, and debt counselling seems to be no different. The volume of correspondence, number of role-players in any one matter, and the complexity of the process has made it virtually impossible to run the business efficiently, from a filing cabinet.

The problems can be seen on all sides and it is not just debt counsellors struggling with sharing of information. Think of a matter you are currently dealing with; the attorney has already obtained a court order and yet, the collections department is still phoning the consumer to collect arrears. Another typical example of the problem can be seen in the handover of the file between the Attorney and the Debt Counsellor. During the first 60 day period the Debt counsellor creates and hands over a file of documents to the attorney, and by the time the debt counsellor gets back to his office, that file is out of date as he has probably received some kind of correspondence regarding the client. The greatest danger is that from that handover point on, there are two “consumer” files growing independently, one with the Debt Counsellor and one with the Attorney.

Typical problems might include:

• Latest proposal not recorded in the attorney’s file

• Copies of court orders/details of

postponements/feedback not available to the Debt Counsellor and consumer immediately

• Attorneys not being able to see latest payment distribution statements from PDA

• Consumers not seeing counter offers immediately

It is important to understand what we need and which software “tools” do that job. The only bespoke software developed for the industry by the PDAs or larger debt counselling firms have focused on critical solutions such as:

• Debt counselling process• Proposal calculation• Form Generation

I don’t mean to make light of these functions, as they are the most critical components, but my concern is that some of the software is venturing into territories that have been developed more efficiently by others. Imagine an opposition company to Microsoft coming out with a single programme that tries to combine the basic functions of Outlook, Excel and PowerPoint all in one programme, on a fraction of the R & D budget of Microsoft. This is perhaps an over simplified and very facetious analogy, but it is just to illustrate the dangers of recreating inferior software solutions that strive to touch on the basics best left to the Software industry leaders with better off the shelf products that are tried and tested.

NEW SoFtWArE For A NEW iNdUStrY

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One such area of concern for me is Document Management Software (DMS) which is one of the most essential tools for legal firms with more than one office. It is a virtual filing cabinet that will allow you to create one electronic folder that can store all documents from Word documents and excel sheets to PDF docs and even voice logged calls for your clients. Each consumer will have their own file. It will be shareable and permission based, so the consumer will be able to log in securely and see the files that you give them permission to view. The attorney and debt counsellor will both be able to add documents to it like proposals and

affidavits etc. It will allow document versioning so that you will always know which proposal is the most recent. I can hear you saying that some of the latest debt counselling software solutions have some of these functions built in already. But let’s take a look at the industry

leaders. Your debt counselling software creates a handful of important documents which it might store for you, but because you also have a fax-to-email number and the vast majority of your correspondence comes in via email; Outlook creates ten times more client and creditor correspondence daily which also needs to be retained. Are you forwarding the important emails to the attorney and the rest go unrecorded currently? If your Document Management system therefore does not integrate with Outlook automatically then 90% of all correspondence and documentation is lost or not visible to all.

Document Management Software should also be fully searchable as a basic feature. Documents should be searchable by title and within the document, so as an example, if an attorney wanted to search for all the matters currently in one magistrate’s court

to add specific information required by that judge, one should have the option to call it up immediately.

Pro-active secure publishing of information with automated notification is vital. Too many man hours are lost reactively answering calls from parties requesting information, from creditors wanting 17.1s, creditors and clients wanting feedback on court proceedings to clients wanting latest statements. All this should be automated, with an email notification going to the client the minute a new document arrives in their folder, albeit from the creditor, attorney or debt counsellor.

Leading DMS systems also integrate with Customer Relationship Management software (CRM), but that is perhaps another discussion on its own.

Before deciding on a DMS solution, keep this in mind. You will need it to integrate with other software, most importantly Outlook. It must be cloud based (internet based) so that you do not have the expense of running or hosting servers and so that you can have

multiple users (including attorneys and debt counsellors) logging in from offices anywhere. It must be scalable so that it can handle 1 user or 1000 with the same ease. The data must be exportable, so that if one ever decides to change to another system, it is possible to export all data and documents to upload onto a new system. It must provide an audit trail and therefore must make use of features like document versioning and archiving.

What should one pay for a system like this? There are systems available that charge per user so could cost you as little as R280 per month for both the software and the hosting of your data.

I don’t think our industry is mature enough yet to develop its own all singing, all dancing software. What we need is reliability with proven off the shelf products. The Debt Counselling software developers should stick to process, form creation, proposal calculations and integration with the PDAs and we should be able to pick the right solution for the business to perform the other functions according to our budget.

Eugene CilliersTel 0861 626 859eugenebcilliers@gmail.com

Image: Keerati / FreeDigitalPhotos.net

trANSFEr dUtiES CHANGE

CoNSUMEr

From the 23 February 2011, there has been great news for all prospective buyers in regard to the reduction of Transfer Duties. New duties are now in effect

PUrCHASE PriCE dUtY PAYABLER0 – R600,000 R0

From R600,000 – R1,000,000

3% of the purchase price from R600,000

From R1,000,000 – R1,500,000

R12 000,00 plus 5% of the pur-chase price from R1 million

From R1,500,000 – unlimited

R37 000,00 plus 8% of the pur-chase price fromR1,5 million

MAJor CHANGE

Previously Companies, Close Corporations and Trusts paid an 8% flat rate of the purchase price as transfer duty irrespective of the purchase price which made it very expensive to purchase properties in legal entities. From 23 February 2011, Companies, Close Corporations and Trusts will now pay the same transfer duty as natural persons.

The changes in transfer duty tariffs will be a great boost to the property industry particularly to buyers, thereby promoting more sales and thus sellers will benefit as well.

EXAMPLES oF SAviNGS

Natural Persons

transfer on purchase price of r1,000,000

Old tariff R25,000 New tariff R12 000 Saving R13 000

transfer on purchase price of r1,500,000

Old tariff R65,000 New tariff R37,000 Saving R28 000

Legal Entities

transfer on purchase price of r1,000,000

Old tariff R80,000 New tariff R12,000 Saving R68,000

transfer on purchase price of r1,500,000

Old tariff R120,000 New tariff R37,000 Saving R83,000

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The question posed last month:Is the BASA Termination Moratorium a total waste of time?

Here are the results (from most votes to least votes):

40% - No, i told all my clients about it30% - Yes, (because of the Wesbank v Pipier judgment)30% - Banks should not dictate terms to dC’ 0% - What is that?

So at least everyone seems to know what the Moratorium is all about.

this month our Poll is:Are you CPA compliant?

the options are:

• Yes, (we have changed all our documentation)• No, (I’ll get to it when I have a chance)• What does the CPA have to do with Debt Counselling?

Email: magazine@debtcounsellingsa.co.za or visit our Blog to voteBlog: http://debtcounsellingsouthafricamagazine.blogspot.com/

rEAdEr PoLL

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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 AssistAndre Snyman Tel: 0861 628 628

Credit Matters021 431 9100info@creditmatters.co.za

darran ManikamNCRDC704debt@mailbox.co.za

debtbusters0861 663 328 (NO DEBT)

debtSafe0861 100 999

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

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

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

debt Knowledge debt Counselling082 379 2337

debtonators041 585 0276

Fincorp debt Counsellors ccCecilia Zwarts fincorpdc@yahoo.com

Holistic debt Counsellorsinfo@holisticdc.co.za

Helpdesk debt CounsellorsAllan HoffmanTel: 0861 000 754

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

Help-U-debt (Potchefstroom)Madra083 390 3275

Help-U-debt (Parys)Marilouise082 920 6249

Help-U-debt (vanderbijlpark)Herma083 320 8303

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

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

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

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

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

SErviCE dirECtorY

BordEr rEGioN:

DRS EAST LONDONOffice: 043 7212 656

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

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

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

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

EAStErN CAPE:

DRS ALBANYOffice: 041 365 5857

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

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

DRS CENTRAL041 586 2020Email leon@lynxsa.com

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

DRS KIRKWOOD EXPRESSOffice: 087 8080 500

DRS PORT ELIZABETHOffice: 041 453 8961

DRS SIDWELL EXPRESSOffice: 041 451 0474

DRS SOMMERSET EASTLuther De BruynOffice: 042 243 1107

FrEEStAtE:

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

SOUTH FREESTATEOffice: 053 591 0734

GArdEN roUtE:

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

GAUtENG:

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

DRS CENTURION EXPRESSOffice: 012 653 0127

DRS HARTEBEESPOORTOffice: 012 253 1231

DRS LIMPOPO CENTRALOffice: 015 297 1387

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

DRS RUSTENBURG 083 740 4620

DRS ZAMBESI EXPRESSOffice: 012 7555 225

KWA ZULU NAtAL:

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

DRS GREYVILLEOffice: 031 309 8716

DRS KOKSTADOffice: 039 727 1430

DRS PHOENIX082 374 7040

WEStErN CAPE:

DRS BELLVILLEOffice: 021 948 8523 / 4

DRS DIAMONDOffice: 021 421 8563

DRS TYGERBERGOffice: 021 945 4062

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

Debt DRS SALDANHAOffice: 022 714 3939

DRS SOLUTIONS084 586 5600

dEBt CoUNSELLiNG CoNt’d

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

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

rihanyo debt Counselling(012) 804 50 57

SUPPort SErviCES

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

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

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

FiNANCiAL

ABSA Customer debt repair Line0860 356 356

Credit ombudsman0861 662837

Experian011 799-3400 debtcounsel@experian.co.za

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

Fair debt0829019788 or 012-3772558ray@fairdebt.co.za

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

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

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

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

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

Gooseberry Business AdvisoryTel: 012 644 0589

NedbankDebt Rehabilitation & Recoveries Services0860 109 279

Std BankDebt review HelplineTelephone: 0861 111 402

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

FiNANCiAL PLANNiNG

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

LEGAL

Brett Carnegie AttorneysTel: +27 (21) 4470332 Fax: +27 (21) 4470338 Mobile: +27 (0)82 320 6099 www.carnegielaw.co.za

Suite 23(B) Unit 8 Waverley Business Park Mowbray 7700

Scheepers AttorneysGerhard Scheepersschlaw@iburst.co.za

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

Ludick Attorneysbev.ludickattorneys@gmail.com

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

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

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

CrEdit BUrEAUS

Compuscan 0861 514 131www.compuscan.co.za

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

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

transUnion 0861 886 466www.transunion.co.za

XdS 0860 937 000 www.xds.co.za

otHEr

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

Banking ombud0860 800 900 www.obssa.co.za

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

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

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

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

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

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

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

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

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

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

Pension Funds Adjudicator021 674 0209 www.pfa.org.za

South 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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DebtfreeSouth Africa’s debt counselling magazine

February 2010