11 Point Compliance Test

The Test is 100% Free and No Obliganion

  • Use this form to verify if your debt review was lawfully placed or conducted in compliance with prescribed regulations and you are fully protected.
  • The analysis is automated and instant unless there are contradicting factors.
  • Where there are discrepancies or irregularities in the placement of your debt review, you will receive recommended steps to resolve the issues or dispute and remove the flag.

IMPORTANT!!

The most important purpose of this form is to collect data for the NCR to:

  • Purge all unlawful and non-compliant debt review flags
  • Determine loopholes in the system and implement proactive anti abuse security features to prevent unlawful debt review placements.

11 Point Debt Review Compliance Test

This form is not an application for any service but simply a test for compliance and your dispute success. The outcome is based on the information you supplied versus prescribed debt counselling processes and procedures.


The outcome is indicative of whether the placement of your name under debt review is lawful and whether the entire process was conducted and concluded in compliance with prescribed regulations.

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Compliance Verification Information

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The registered debt counsellor must conduct consultation. Not consltants or agents

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The debt counsellor details are displayed in any correspondence and documents that you exachanged. Please check the correspondence and fill in the details.

A consumer cannot be under debt review without an active debt counsellor.

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This is the application form for debt review. if you did not submit this form or receive a receipt of this form. The debt review is unlawful.

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The debt counsellor cannot conduct assessment without proof of income.

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The debt counsellor cannot conduct assessment without you supplying your accounts statements.

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The debt counsellor fees range from R3000 to R9000 and might include additional R750 attorney fees. If you paid any fees and the debt review process was not completed, you should receive 100% refund.

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If you did not pay any fees, why did you not pay?

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Debt counsellors are not allowed to collect any fees directly from the consumer. All fees except for the R50 normally charged for the Form16 should be debited by the appointed PDA

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You should receive and agree to the restructured repayments. These are sent to court and made an order binding you and the credit provider to the agreement.

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Before the application can be filed for a court order, the debt counsellor must send you a supportng affidavit to commission and sign.

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All debt review application must be concluded with a court order. If you did not receive the court order it means the debt review is not compliant and you are not proteced.

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The debt counsellor must alsway be in contact and actively in operation. Where the debt counsellor is no longer operating or not contactable, the debt review flag should be disputed and removed.

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Briefly state how you came about to be listed under debt reviw. and any other factors that you think are relevant.