Automated Debt Review Dispute System
The Only System that Talks Directly to the NCR
ADRDS - Automated Debt Review Dispute System
The ADRDS System was developed by NCR-trained and certified professionals to provide consumers with a clear, reliable process to dispute unlawfully placed or unfairly retained debt review flags.
With direct access to the NCR, the ADRDS system ensures your case is handled with expertise and transparency, keeping you up to date with your dispute progress.
In terms of Section 136 of the National Credit Act (NCA), the NCR is obliged to investigate the dispute and where any non-compliance issues are established, resolve the matter and remove the debt review flag within 7 - 30 days.
NCR DEBT COUNSELLOR STATISTICS 2024
Click the link below the figure to view up to date statistics on the NCR website
INTRODUCING THE ALTERNATIVE DEBT REVIEW AFTER-CARE SERVICE
The Problem:
Since the inception of Debt Counselling in 2007, 4513 debt counsellors were registered and accredited by the NCR. As at December 2023, over 3000 are no longer involved in the debt counselling practice for various reasons. This has left thousands of consumers with a permanent debt review flag without a debt counsellor to render the mandatory after-care service and the ultimate removal of the debt review flag. Without a debt counsellor to monitor your debt review progress, you are indefinitely stuck with a debt review flag on your credit record even when your debts have been paid in full and your financial circumstance have improved.
Obligatory Debt Review After-Care:
NCR accredited Debt Counsellors are obliged to render mandatory after-care services (listed below) for the consumers that they placed under debt review. The consumer is paying R460 per month for the after-care service for the duration of the debt review term. This fee is included in your restructured monthly debt repayment.
Debt Counsellor obligatory after-care service:
Review of the consumers’ financial situation
Attend to any payment queries
Attend to the clearance process which includes securing paid up letters
Attend to the 17. W process. (withdrawal from debt counselling by the consumer)
Attending to the update of the NCR debt help system
Issue Clearance Certificate
The Solution:
In terms of the NCA Section 136 Regulation 56, a consumer can appoint a third party to log a dispute and/or enforce their rights under the debt review system. Where the debt counsellor is not available or neglects the mandatory after-care obligations, the third party can undertake the after-care role and/or log a complaint with the NCR to enforce the after-care obligations
The NCRA has launched an Alternative Debt Review After-Care Service to accommodate the abandoned consumers to ensure that they are released from debt review as and when they become eligible.
The after-care service includes dispute and removal of the debt review flag for consumers who have been unlawfully placed or are stuck under debt review.
Alternative After-Care Services Benefits:
Establish details of the Debt Counsellor on record (Free Credit Report)
Establish the status of Debt Counsellor on record (Active/Inactive)
Clearance of Debt Review Flag
Issuance of Clearance Certificate
Debt Repayment Monitor(how much you have paid through the Pda, and your outstanding balance)
Settlement of outstanding (debt review) accounts
Investigation of Unprofessional Conduct by Debt Counsellor
Investigation and Dispute of Unlawful Debt Review (documentation, processes and procedures)
Recovery of unlawfully collected fees
Access to Financial Assistance
Personal Loans (coming soon)
Debt Settlement Loans
Vehicle Finance * (coming soon)
Home Loan Finance* (coming soon)
* Financial Assistance depends on affordability assessment as per National Credit Act
Protection
Assets Protection - protection from reposession
Free Credit Legal Advice
How does Alternative After-Care Service Work?
Debt Repayment Monitor
In the event that you paid or you are still paying your accounts through the appointed PDA, we liase with the PDA to supply distribution statements
Issuance of Clearance Certificate
In the event that you have settled all accounts that were placed under debt review, we can either contact the debt counsellor to issue a clearance certificate or liaise with the NCR to enforce issuance a the clearance certificate. In this instance you will need to supply settlement confirmation letters. In case you cannot get the settlement letters, we shall contact all your credit providers on your behalf to supply same.
Settlement of Outstanding Accounts
As an Alternative After-Care subscriber, you qualify for the debt settlement assistance.
Our finance partner can assist with settlement of outstanding debts in order to acquire a clearance certificate. We shall access your repayment profile from the appointed PDA for your outstanding balances. Your financial circumtances shall be assessed to determine how much advance you qualify for to settled your accounts.
Investigation and Dispute of Unlawful Debt Review - Clearance of Debt Review Flag
* NCRA shall access and supply a Free Credit Report from Xds Credit Bureaus displaying debt counsellor details and status
* We conduct assessment of your debt review cirumstances to establish compliance
* Where it is deemed that you are eligible for debt review dispute and clearance
* You will be requested to complete NCR prescribed dispute documents
* We log the dispute with the NCR on your behalf in terms of Section 136 Regulation 50 of the NCA.
* The NCR shall investigate your dispute and resolve the matter within 7 - 30 days
In cases where the debt review circumstances are complex, the removal can take up to 90 days
PS: There are very rare instances where resolution might require court intervention - click this link to see rescission of court order services: Rescission of Debt Review Court Order
Alternative After-Care Subscription Options:
Once-Off Annual fee = R1200 or
Annual Subscription = First Month R50 then R120 x 12 months
Short Term Subscription = First Month R50 then R180 x 6 months or
(renewal of subscription service is optional on all packages)
Affidavit:
In rare occasions, there are 2 instances where an affidavit might be required. 95% of the cases do not require affidavit.
1. Ncr dispute:
* Where you are certain that you did not apply for debt review
* Where the debt counsellor abandoned the debt review process
* Where it is deemed that the debt review process was not conducted in compliance with prescribed regulations
2. Rescission of Court Order:
* Where Assessment indicates that a court intervention is necessary to resolve your issue.
* When you are certain that you are no longer over-indebted but the debt counsellor refuse to conduct re-assessment of your financial circumstances
PS: Whether you need an affidavit or not shall be determined upon assessment of your entire circumstances and you will be duly informed.
The affidavit is drafted by an external professional for a fee or R650
Subscription Registration Options
Upon confirmation of File Activation, the after-care service process shall commence immediately.
Your Credit Report with details and status of the debt counsellor shall be emailed to you within 60 minutes.
PS...the subscription fees below are for launch and promotion valid till 29 February 2024
Annual Subscription
Once-Off R1200
Once-Off R1200
CASH/EFT PAYMENT
Bank Name: ABSA
*Account Name: NCRA
*Account Number: 4099052107
*Branch Code: 632005
Use Your ID Number as Reference
Maximum Term Subscription
R50 first month
Then R120 x 12 months
The package you select does not influence the service.
After-Care service benefits shall commence immediately once the R30 activation or Full Service or Discounted Free is confirmed
Short Term Subscription
R50 first month
Then R180 x 6 months
Once-Off Discount R750
CASH/EFT PAYMENT
Bank Name: ABSA
*Account Name: NCRA
*Account Number: 4099052107
*Branch Code: 632005
Use Your ID Number as Reference
Non-Subscription Package
R1500 (R300 x 5)
R30 shall be charged for debit order activation
Once-Off R1500
You may take this package if you are not interested in the subscription benefits.
CASH/EFT PAYMENT
Bank Name: ABSA
*Account Name: NCRA
*Account Number: 4099052107
*Branch Code: 632005
Use Your ID Number as Reference
Up to R30 000 loans to assist with settlement of your outstanding debt or other emergency purpose.
Debt Settlement Loans
Who Qualifies?
* Every After-Care Service Subscriber automatically qualifies for debt settlement assistance
How Much Do I qualify for?
* The qualifying amount is determined through standard NCA affordability assessment regulations
* Repayment from 3-12 months
How do I Apply?
* The Debt Settlement Facility is a separate service and is not linked to the After-Care Subscription
* The role of NCRA is to submit the loan application to the Financial Service Provider
* The Financial Service Provider (Quinn Finance) shall determine the qualifying amount and repayment terms.
* The funds shall be paid to your credit providers directly - any surplus funds shall be paid into your bank account.
Partners & Consumer Reviews
"Over 3000 debt counsellors have left the debt counselling practice leaving thousands of consumers stuck with the debt review flag on their credit record. What NCRA is doing is filling the gap to help stranded consumers to exit the abandoned or unlawful debt review situation, especially where the debt counsellor on record is no longer available to release their clients from debt review. We recommend NCRA service is an essential platform to connect consumers with the NCR to resolve debt review issues"
" I've been stuck under debt review for 9 years. I tried everything to get the flag removed from my credit record, paid lots of money to lawyers and other service providers. Out of desperation to give it one more try, I registered with NCRA. It took 2 months longer that I expected, but now I am free from the ordeal of debt review. My life is back on track..Thank you Ncra Team"
"Thank you for saving my life and restoring my credit reputation. It would help if you could improve your communication systems, but at the end of the day you did a great job!"
Cheers!
"I want to thank you for stepping in when my lawyer struggled to remove the debt review flag for 3 years and used your platform. Your call centre consultants are very comforting and professional, I shall recommend your service to any one I know"
"Debt Counselling is a full time and complex undertaking that requires the debt counsellor's full attention. As debt counsellors, we cannot handle disputes for clients who signed-up with other debt counsellors. We receive many disputes from consumers who are not our clients, we refer them to Ncr or Ncra"
We recommend Ncra for consumers who have been unlawfully placed under debt review or lost contact with their debt counsellor.
" I was very sceptical when a friend referred me to NCRA as I've tried clearing my name with many service providers since 2017. I reluctanly registered and before I paid all service fees I received my Clearance Certificate directly from NCR. I am over the moon and shall recommend my colleagues who are also trapped under the debt review for a long time. Thank you Team.
