The 11 Points Debt Review Compliance Check

Debt Counselling is a Voluntary Undertaking - You cannot be placed without consent. 

The Debt Counselling Process is based on prescribed regulations and procedures that the debt counsellor must comply with and perform without deviation. None of the procudures are optional or descretionary.

11 Points Test:
1. Was your application voluntary? YES/NO

2. Did you consult with a debt counsellor? YES/NO

3. Did you sign Form 16? YES/NO

4. Did you get a receipt for the Form 16? YES/NO

5. Did you submit proof of income? YES/NO

6. Did you pay the debt counsellor service fees? YES/NO

7. Did you agree to the restructured/reduced instalments? YES/NO

8. Did you receive a supporting affidavit for court application? YES/NO

9. Did you receive copy of the court order? YES/NO

10. Did you settle your accounts, if Yes, did the debt counsellor issue a clearance certificate? YES/NO

11. Is your debt counsellor still active? YES/NO

If only one of the answers is No, your dispute is 100% guaranteed to be successful. This means even if all other answers are Yes and only one is No, the dispute will be successful.

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