The AACS does not charge for Debt Review Clearance Service.
Our research has revealed that the ongoing debt review clearance fees rate is between R5000 & R9000. We have established that the service providers who charge these fees are not Trained in Debt Counselling procedures. We are also aware that most of them are attorneys or purport to be attorneys. We are aware that thousands of consumers have been ripped off with promises of clearance of debt review flag. We know for certain that no untrained person can clear the debt review flag. Not even an attorney! Any trained debt review clearance service provider will know this one fact: Only the NCR can cause the removal of the debt review flag.
At AACS we are NCR Trained and Certified in the NCA regulations and debt review rules; processes and procedures. We have conducted an intensive research of the debt counselling regulations and procedures and we know for certain that, in order to get out of debt review, you have to comply with specific regulations and/or provide evidence of transgression to compel the Ncr to facilitate the removal of the debt review flag.
We do not charge a fee for debt review clearance because every consumer is entitled to log a complaint about unlawful practices by the debt counsellor or dispute non-compliance of regulations or unlawfully listed debt review flag. Unfortunately consumer do not have full knowledge of the underlying processes and regulations of debt counselling because such knowledge can only be acquired in the debt counselling training classroom. This is where AACS steps in in terms of Section 136 Regulation 50 of the NCA to liaise with the Ncr on behalf of the consumers to investigate; resolve and facilitate clearance of the debt review flag.
The AACS is commited to protect and assist consumers to be released from debt review without subjecting them to more financial stress, hence we have put in place a simple and affordable subscription plans.
Subscription Options
There are two subscription services:
Debt Review Clearance - Only for debt clearance of debt review flag
All Inclusive Credit Bureau Clearance - includes clearance of judgments, defaults and administration
Annual Subscription
Once-Off R1200
* Establish details of the Debt Counsellor on record(Free Credit Report)
* Establish the status of Debt Counsellor on record (Active/Inactive)
* Establish the Debt Review Status/Stage
* 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 of Unlawful Debt Review
* Recovery of unlawfully collected fees
Maximum Term Subscription
R50 first month
Then R120 x 12 months
* Establish details of the Debt Counsellor on record(Free Credit Report)
* Establish the status of Debt Counsellor on record (Active/Inactive)
* Establish the Debt Review Status/Stage
* 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 of Unlawful Debt Review
* Recovery of unlawfully collected fees
Short Term Subscription
R50 first month
Then R180 x 6 months
* Establish details of the Debt Counsellor on record(Free Credit Report)
* Establish the status of Debt Counsellor on record (Active/Inactive)
* Establish the Debt Review Status/Stage
* 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 of Unlawful Debt Review
* Recovery of unlawfully collected fees
Non-Subscription Package
R1500 (R300 x 5)
R30 shall be charged for debit order activation
You may take this package if you are not interested in the subscription benefits.
* Establish details of the Debt Counsellor on record(Free Credit Report)
* Establish the status of Debt Counsellor on record (Active/Inactive)
* Establish the Debt Review Status/Stage
* Investigation of Unprofessional Conduct by Debt Counsellor
* Investigation of Unlawful Debt Review
*Issuance of Clearance Certificate
* Clearance of Debt Review Flag
All Inclusive Credit Bureau Clearance Subscription
Debt Review flag is not the only obstacle for obtaining credit; there are few other listings aka blacklisting that are placed on you credit report by credit providers and the court:
Judgement Listing: This is obtained by a credit provider through a court process. It can only be clearance when the account is settled and a settlement letter is supplied to the credit bureaus.
Default Listing: This is a listing placed by credit providers to alert other credit provider of your failure to make payments as per contract. This listing can be dispute if the credit provider did not give you a 20 days notice before listing a default on the credit bureau.
Administration Notice: This notice if placed by the court on your credit report when you have applied to be placed under administration. This notice can only be removed when the court has issued a rescission court order.
PS: The above listings are dispute and cleared directly with the Credit Bureaus and can be completed within 7 - 20 days.
All Inclusive Once-Off Annual Subscription
Once-Off R1600
All Inclusive Subscriptions entails:
* Dispute & Clearance of Debt Review
* Ckearance of Judgment
* Clearance of Default
* Clearance of Bad Payment Notice
* Clearance of Bad Debt Written Off
* Clearance of Administration
All Inclusive Annual Subscription
R30 first month
Then R180 x 12 months
All Inclusive Subscriptions entails:
* Dispute & Clearance of Debt Review
* Clearance of Judgment
* Clearance of Default
* Clearance of Bad Payment Notice
* Clearance of Bad Debt Written Off
* Clearance of Administration
All inclusive Short Term Subscription
R30 first month
Then R250 x 6 months
All Inclusive Subscriptions entails:
* Dispute & Clearance of Debt Review
* Clearance of Judgment
* Clearance of Default
* Clearance of Bad Payment Notice
* Clearance of Bad Debt Written Off
* Clearance of Administration
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.
