Ncrswift

✅ Foreword from the National Credit Regulator

With the promulgation of the National Credit Act nearly two decades ago, the debt review system was established as a formal, regulated solution to assist over-indebted consumers. Since its inception, it has served thousands of South Africans — and the NCR has remained committed to monitoring the conduct of credit industry stakeholders and enforcing the law with integrity.

A fundamental trust was placed in the role of the debt counsellor: to act in the best interest of the consumer, to provide lawful assistance, and to uphold the values of fairness and transparency.

For many years, the debt review system lived up to its intended purpose.

However, over time, a growing culture of deception, exploitation, and misconduct has crept into the system — threatening to undermine everything it was created to protect.

The NCR has become increasingly inundated with complaints of:
🚫 Consumers being placed under debt review without their knowledge or consent,
🚫 Scammers impersonating the NCR and offering flag removal for a fee,
🚫 Corrupt counsellors colluding with scam syndicates, unlawfully flagging consumers and demanding payment for clearance.

These trends have not gone unnoticed.
The time has come to strengthen enforcement, restore public trust, and starve the syndicates of the oxygen they thrive on: confusion and consumer vulnerability.

✅ This website is the beginning of that shift.
A single, secure platform — created for the consumer, governed by the Regulator — to restore public trust, shut down debt review scams, and bring syndicates and perpetrators to book.
Here, protection and removal of unlawful debt review flags is not promised — it is enforced.

✅ INTRODUCTION

A Message to the Public from the National Credit Regulator (NCR)

This platform was created to protect you.

🏛️ The NCRSWIFT Dispute Website is the official entry point for consumers to take lawful action against unlawful or unfair debt review placement or retention.

This site exists to help you understand your rights, access the correct procedures, and take meaningful steps — without relying on intermediaries or falling victim to scams.

You do not need to pay anyone to lodge a complaint, remove a debt review flag, or report misconduct.

Whether you were misled, placed under debt review without your consent, or denied lawful assistance — this is your path to justice.

🛑 There is no third party or service provider - be it a lawyer, or court or even a debt counsellor - that can remove the debt review flag from the credit bureau records.

🔒🏛️ Only the NCR can instruct the credit bureaus to remove the debt review flag.

✅ What You Can Do on This Website:

🔹Log a Dispute — if you believe you have been unlawfully or unfairly placed under debt review
🔹Report a Scammer — if someone offered to remove your debt review flag for a fee
🔹Report a Debt Counsellor — if a counsellor misled you, failed to assist you, or violated the NCA

✅ What Happens After Submission:
🔹Your dispute or report is immediately logged.
🔹You get email confirmation and a WhatsApp link to verify that you logged the dispute
🔹The dispute is routed to the appropriate regulatory team for assessment and investigation.
🔹 The debt counsellor on your record is notified to respond or resolve
🔹 You will receive progress notifications as your case is actioned
🔹 You can follow up your case progress via LiveChat or WhatsApp

🛡️🔒This website is secure, confidential, and the only officially recognised NCR platform for debt review complaints.

🏛️ The NCR is committed to restoring integrity in the debt review industry — and it begins with you, here.

Log a Dispute

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✅ Log a Dispute

Debt Counselling is a voluntary and consensual process which results in the Tribunal or a Magistrate

🔹 It should only begin when you, the consumer, fully understand and agree to the terms. It is the responsibility of a debt counsellor to fully explain the debt review process and your responsibilities under the debt review program.
🔹 You can only be placed under debt review when you voluntarily approach a debt counsellor and sign the prescribed Form16 application.
🔹 The law is clear: only a Magistrate or the National Consumer Tribunal can enforce restructured debt repayment arrangement with a court order.

If you believe you have been placed under debt review unlawfully or without consent, or your debt counsellor has failed to assist you, you have the right to challenge the debt review listing in terms of Section 136 of the NCA.

🔎 Before submitting a dispute:
🔹 Ensure that your current status reflects "under debt review" at the credit bureaus.
🔹 Gather proof of your interaction with the debt counsellor (if any)

📎 What you will need to submit:
🔹 A completed Form 29 (Download Below).
🔹A copy of your ID.
🔹A sworn affidavit (guidance provided below).

Log Debt Review Dispute

⚖️ If you believe you have been placed under debt review without your consent, this is your official recourse.

🔹Debt review is a voluntary, court-driven process — not something that can happen without your knowledge.

🔹If you never signed Form 16, were misled, or cannot access help from your debt counsellor or

🔹If your debt counsellor is not contactable or no longer operating (deregistered)

✅ Log your dispute here:

🔹Your dispute will be assessed and investigated in terms of Section 136 of the NCA.

🔹If your dispute is valid, we shall take appropriate steps to update your records accordingly.

🚫 No payment is required.
🚫 No lawyer is needed.
✅ Just the truth.

Complete Dispute Questionnaire

Report Debt Counsellor Misconduct

⚖️ Debt counsellors are licensed to help — not exploit.

If a registered debt counsellor has:

🔹Placed you under debt review without consent,
🔹Refuse to issue clearance certificate,
🔹Is not contactabe,
🔹Failed to assist you
🔹Or charged fees unlawfully—

✅ You are entitled to report that misconduct here.

✅ The NCR will review your submission, notify the registrant, and take appropriate regulatory steps — including referral for deregistration or enforcement where necessary.

🔹You’re here because something went wrong.

⚖️ We’re here to bring justice.

Complete Complaint Form

Report a Scam

🚫 No one can remove a debt review flag for a fee.

🏛️ Only the NCR can instruct the credit bureaus to remove the debt review flag

⚠️ If anyone has offered you flag removal, fast-track clearance, fake court orders, or fake clearance certificate — report them immediately.

⚠️These services are not only illegal — they are harming thousands of desperate consumers and undermining national regulation.

🔒Your report will be confidential and routed to the appropriate investigation team.

🏛️The NCR will never protect unlawful actors — and your report helps shut them down.

📢 Every report helps stop abuse. Speak up — it matters.

Report a Scam

Mandatory Dispute Forms

Before submitting your dispute, you must prepare the following documents. These are essential to ensure your case is lawfully accepted and processed.

🔹 Form29: - This is the official complaint form required by Section 136 of the National Credit Act. Without this completed form, your dispute cannot be formally processed.

🔹Never Applied Declaration:- Use this form only if you were placed under debt review without your knowledge or consent. This declaration confirms that you never applied, never signed Form 16, and were not fully informed of the debt review process.

🔹 Sample Affidavit:- Every dispute must include a sworn affidavit — a legal document that confirms your version of events under oath. This confirms to the Regulator that you understand the consequences of the allegation and are submitting the dispute in good faith.

Dispute form - Form 29

✅ How to Complete Form 29:

✔️ Fill in your personal details.

✔️ 5.1. Debt Counsellor trading name
✔️ 5.3. Full names of Debt Counsellor as they appear on your credit report or any documents

🚫 Be specific. Avoid emotional or vague statements.

🚫 Do not mention any other parties, lawyers or scams, focus only on your interaction with the debt counsellor on record.

🔹 Sign and date the form.

Click to Download Form 29

Never Applied for Debt Review

✅ This form is not a replacement for Form29 and Affidavit, It a supplementary document to ensure your dispute is handled specifically for unlawful debt review placement.

✅ Use this form only if you were placed under debt review without your knowledge or consent.

✅ This declaration confirms that you never applied for debt review, you never signed Form 16, and/or you were not fully informed of the debt review process

Click to Download

Affidavit Sample

✅ Note:
Although Form 29 indicates an affidavit 'may be required', due to the seriousness of disputes under Section 136, the affidavit is mandatory in most cases.

✅ Recommendation:

🔹Affidavits must be clearly worded, factual, and legally sound.

🔹Disputes involving placement without consent, or service failure by a registered debt counsellor, should be supported by a professionally structured affidavit.

🔹Support is available if you need help preparE your affidavit.

Download Sample

Frequently Asked Questions

🔸 I never applied for debt review. Why is my credit record flagged?

If you never signed Form 16 or consented to enter debt review, you may have been placed into the process unlawfully. This happens when debt counsellors mislead consumers, use electronic signatures without full disclosure, or falsify application details.
👉 Log a Dispute if this applies to you. You’ll need to submit Form 29, a sworn affidavit, and proof of the listing.

🔸 How long does it take to remove the debt review flag?

If your dispute is valid and all documents are submitted correctly, resolution can take between 7 and 30 working days. This timeframe depends on: The response time of the debt counsellor on record The complexity of the dispute Whether additional investigation is required The system tracks deadlines automatically and escalates matters where necessary — including when the debt counsellor fails to respond.
✅ Most verified disputes are resolved within two weeks.
🚫 Incomplete or unsupported disputes will not be processed.

🔸Do I need to pay to dispute the debt review flag?

🚫 No
The NCR dispute service is free and obligatory as part of the NCR mandate under Section 136 of the NCA. Registered debt consellors cannot charge you to dispute or remove the debt review flag. We higly advice that you avoid debt counsellors and third parties who advertise they can get you out of debt review for a fee.

🔸 I emailed the NCR, but nothing happened. Why?

Most email complaints are incomplete and do not qualify as formal disputes under Section 136. Without a signed Form 29 and supporting affidavit, the matter cannot trigger investigation. This website ensures that your complaint is submitted correctly — with all documents and status tracking in place.

🔸 Do I need a lawyer to remove a debt review flag?

🚫 No.
No lawyer, third party, or paid service can remove your debt review status. Only the NCR can instruct credit bureaus to update or remove your listing — and only after validating your dispute. If someone is offering flag removal for a fee, report them immediately.

🔸 Is an affidavit really required?

✅ Yes.
Even though Form 29 refers to an affidavit as optional, in practice, the affidavit is critical — especially where the debt counsellor is accused of misconduct, non-consent, or failure to assist. An incomplete or poorly written affidavit may result in your dispute being rejected or delayed. It is highly recommended to get the services of an experience expert or legal practitioner to draft the affidavit on your behalf.

🔸 Can I submit if I don’t have all my documents yet?

✅ Yes.
You can submit the assessment questionnaire above with the Signed Form 29, Sworn affidavit Copy of your ID Proof of debt review listing or rejection. If you don’t have any documents at all, your gives the NCR authority to initiate investigation and request any documents from the debt counsellor who placed you under debt review.

🔸 Will I be notified of progress?

✅ Yes.
Once your dispute is submitted, you will receive:
* A confirmation email and WhatsApp link
* Progress updates at every stage
* Direct communication if more information is needed
* You can also query your case via LiveChat or WhatsApp at any time.

🔸 Can I have another person submit a dispute on my behalf?

✅ Yes.
Section 136 Regulation 50 of the NCR allows you to appoint a third party to submit a dispute on your behalf, Jus make sure the person is conversant the the above regulation, if not, do not trust them with your dispute. Once again, avoid any third party that advertise removal of debt review for a fee. No third party can remove the debt review flag. Only the NCR can instruct the credit bureau to remove the debt review flag.

🔸 Can I be removed from debt review even if I have not settled my debts?

✅ Yes
It depends on whether:
🔹You voluntarily applied for debt review and
🔹The debt counselling process was conducted in compliance with the regulations
🔹 The debt review application was concluded with a court order (court order is not optional) or
🔹 If your debt counsellor is no longer in practice, not contactable or rendering proper service.
🔹If for any reason you are not happy with the debt counsellor's service, you can log a complaint for investigation.