Debt Review Listing & Debt Counsellor Status

Debt Counselling is a voluntary and consensual process which results in the Tribunal or a Magistrate Court re-arranging the consumer’s debt 


How the Free Status Check Works

The list below shows the 3 types of notations that are displayed on your credit record when you have applied for debt review.

The debt review notification displayed on your credit report represents the phase or stage of your debt counselling progress. Each code or notation has a prescribed timeframe and is changed accordingly with each step of the debt counselling process. 

Code A - can only be displayed for a maximum of 30 days after the application
Code D3 - can only be displayed for 60 days after the application. 
Code D4 - is displayed until all accounts are settled or a clearance certificate is issued

Where the status is not D4, and the date of the displayed code (A or D3) is older that 60 days, it means that the debt review process is not finalised or completed and therefore the debt review process can be cancelled or the debt review flag can be disputed and removed.

Statistics show that where the status is (A), after 30 days of application, there is a high possibility that the listing is unlawful or the debt counsellor abandoned the process.

Standard Credit Bureau debt review status notations:
A- Consumer is Under Debt Review
A - Applied for debt counselling and being assessed
A - Consumer has Applied for Debt Review
A - Consent for Restructuring
A - Application for Voluntary Debt Restructuring
D3 - Formal debt re-structuring through the courts has commenced
D4 - Formal debt re-structuring is completed, and a court order granted
D4 - Consent Order for Statutory Debt Restructuring

Credit Bureau Status Definition
Status A - indicates you have applied for debt counselling and your financial circumstances assessment and repayment re-structuring negotiations are in progress
Status D3 - indicates that your application has been placed on the court roll 
Status D4 - indicates that the process is complete and the court has granted an order for restructured debt re-payment arrangement

Step 1:  Register for Free Status Check

Credit Bureau Status
We access your credit records to check the debt review notification status. The debt review notification status represents the phase or stage of your debt counselling progress. The credit report shall also show details of the debt counsellor on record

Debt Counsellor NCR Registraton Status
We access the NCR database to establish if the debt counsellor is still active in debt couselling service. 

Debt Counsellor Status
A- Active
B-Voluntary Cancelled
C- Cancelled by Tribunal
D- Registration Lapsed

Step 2: Assessment Outcome
You receive the outcome and recommendations on how you can (on your own) clear the debt review flag from your credit records. 
You receive the prescribed dispute form (NCR Form 29) and dispute guidelines
You can proceed to use the Form 29 and guidelines to log a dispute with the NCR. 

You are not under obligation to use the recommended action or any of the paid services. 

Step 3: When you decide to use the paid service: 
You will be supplied with the prescribed (regulation 50)Third Party Authorisation forms
You will  make payment of R70 (thirty rands) to activate your file
A case manager shall be assigned to your file to perfom all necessary processes to remove the debt review flag from your credit records. 
The removal process shall be completed in 7 - 30 days

Register for the Free Status Check below - if you are not certain of your status, select any section. 
No Payment is required. You will receive email to decide if you want to use the paid service or not.