Automated Debt Review Dispute System (ADRDS)

Automated Debt Review Dispute System (ADRDS)

The ADRD System will perform the following:

Establish status of the Debt Review
Establish the registration status of Debt Counsellor on record (Active/Deregistered)
Draft Pre-Affidavit for your perusal and approval
Click this link to see Sample Affidavit Draft: Pre-Affidavit Draft
Automatically Log a dispute with the NCR
Periodic NCR dispute progress update and feedback followups
Notification of final resolution and updated credit report (7-30 days)

You are not under obligation to use recommeded dispute action or the draft affidavit.

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Automated Debt Review Dispute Service

The Debt Review Clearance Assessment Service Registration is Free and Non-Obligatory. You will receive assessment determination whether the debt review process was lawfully conducted or if there are any irregularities and/or non-compliance issues. You will receive recommended action/guidelines to dispute and clear the debt review flag.

IMPORTANT

The information you supply will be used in the affidavit. It is important to supply truthful information and ensure that your answers do not contradict each other.

Personal Details

Title*

Select

FIRSTNAME*

Enter all your first names as they appear on your Identity documnent.

SURNAME*

ID#*

Mobile*

Alternative Mobile*

Email Address*

Confirm Email Address*

Please supply full Residential address*

The residential address forms part of the affidavit.

Please supply the following details (where applicable):

House Number
Street Name
Surburb
City/Town

How did you find this service?*

Select

About Your Debt Review

This information is important for proper assessment of your debt review situation and to determine the appropriate clearance action.

What is your most Urgent request at this point?*

Please note that issuance of clearance certificate only applies for consumers who have paid up all debts that were placed under debt review.

Select

Did You Voluntarily Apply for Debt Review?*

Debt Counselling is Voluntary:

It is important to know that debt counselling is voluntary and it is not lawful for the debt counsellor call you to join debt review. If you applied through telephone, you need to be specific if you initiated the call or youreceived unsolicited call.

Select

What year did you apply or discover the flag?*

Please specify:

Eg:

Applied in 2015
Discovered in 2015

Did You Consult With Debt Counsellor?*

This is Important:

Did the debt counsellor explain the process and consequences of applying for debt reveiw before you signed Form 16?

Select

Do you know the debt counsellor Status?*

If the debt counsellor on your records is no longer operating, the debt review flag should be removed immeiately.

Select

How did you find out that you are under Debt Review?*

Select

Have you tried to dispute with the NCR?*

Select

Reason for Exit*

Select

How would you define your Debt Review Situation?*

Select

Debt Counsellor Name or Registration Number*

Use this format Name (NCRDCXXXX)

If you do no know the debt counsellor, just type "Unknown"

DC Communication?*

Select your current communication method with the debt counsellor. Meaning how did you communicated this week, last month or this year?

Select

Did You Sign Form 16?*

Form 16 is a debt counselling application form. This is a compulsory form that a consumer must sign before the debt counsellor can begin the debt review process. If you did not sign this form, the debt review is unlawful.

Select

Did you submit you account statements?*

The debt counsellor can only conduct assessment when you have supplied them with ID, Payslip and Accounts Statements. If you did not submit any of the above, the debt review flag is unlawful.

Select

Did you submit your Proof of Income (Payslip)*

The debt counsellor can ony conductt assessment of your financial cirumstances with income versus expenses versus debt obligations.

Select

Did you submit a copy of your ID document*

Select

Did you receive the accepted repayment proposal*

This is a repayment proposal that the debt counsellor submitted to credit providers for acceptance.

Select

Did You Receive Copy of the Court Order?*

A court order is mandatory in a completed debt review process. Where there is no court order after 60 days of applicaton,the debt review is unlawful.

Select

Did you receive or sign a supporting affidavit?*

The debt counsellor must compile a supporting affidavit that you must sign and commission in order to obtain a court order for your debt review application.

Select

Did you pay any fees to the Debt Counsellor?*

Debt Counselling Fees Range from R3000 and may not exceed R9000 including court application fees. The fee can only be collected by the by the PDA in the first 2/3 months.

Select

Why Did You Not Pay the Fees?*

If you applied for debt review and you did not pay the debt counselling fees, please specify why.

If paid enter paid
If you did not apply enter N/A

How much did you pay for debt counselling fees?*

Only the fees that were quoted by the debt counsellor.
Do not enter amounts debited or paid for your accounts.

The debt counselling fees range between R3000 and R9000 including court application fees. In the event that the debt counsellor did not submit the matter to court, you can claim reimbursment of the entire fee.

If you did not pay any fees type "N/A"

Select or enter value

How did you pay the Debt Counselling Service Fee*

Please note that debt counslling fees are paid to the debt counsellor through the appointed PDA. It is unlawful for the debt counsellor to collect any fees directly from the consumer.

Select

Did You Cancel the Application?*

Indicate whether you have cancelled the debt review process or the debt counsellor service. When you have cancelled the service the debt counsellor issues a Form 17.W

Select

Accounts Status?*

What is the status of your accounts that were placed under debt review?

Select

How do You Pay Your Accounts?*

This refers to accounts that were placed under debt review only.

If you did not apply for debt review do not select Paying reduced instalments or Paying through PDA

Select

Are you in possession of a Clearance Certifiate*

A Clearance Certificate is issued by a debt counsellor when all accounts are settled. If you have not settled all acounts - select N/A.

Select

Your Comments*

Kindly briefly tell us how you were placed under debt review and any information that will help us understand your situation better. Give as much information as you can but only stick to your interaction with the debt counsellor.

Assessment and Clearance Service Options

The assessment is completely free and no obligation to use the recommended dspute or clearance action

Select Preferred ADRD Service Request*

The Free ADRDS assessment is based on the information you have supplied
The Full ADRDS Service includes:
Detailed credit report with debt counsellor details and status
Detailed assessment of regulatory compliance
Full Personalized Affidavit
Automated Dispute and Clearance
Automated weekly NCR resolution progress follow-up
Automated weekly clearance progress updates and final resolution (7-20 days).

Important Note:

You can start the Full Dispute Service for only R5 debit order activation.
The dispute process and resolution timeframe is the same regardless the package you selected.

Select

Upload Attachments (Optional)

Attach any documents that you deem relevant to your dispute. e.g.

Form16

Form7.2

Court Order

Form 17.W

Form19 - Clearance Certificate

Drag and drop files here or

Declaration*

I hereby declare that to the best of my knowledge, the information I supplied is true and correct in all aspects.
i understand that a dispute is an allegation towards another person or party for violation of prescribed regulations and/or commiting fraudulent and/or unlawful act.
I understand that the information I supply will form part of my statement under oath (affidavit)
I also understand that the person or party against whom the dispute is levelled will be investigated on the basis of my statements and will have the opportunity to respond with proof to contest the allegations.
I understand that the success of my dispute depends on my statements and the facts must be truthful, accurate and consistent.

Pre-Affidavit Draft Authorization*

You will receive a free pre-draft based on your input for your perusal and approval
We shall immediately initiate the dispute process with the NCR based on the pre-affidavit
The NCR shall retain the pre-affidavit and the dispute in the queue for 14 days pending the Final Affidavit
The NCR can only launch an investigation once you have submitted the Commissioned Final Affidavit.

(Optional): You can skip the pre-affidavit phase for a Final Affidavit by selecting the Debit Order Package. This will speedy up your clearance process. If you select Final Affidavit you will receive email to pay R150 (for credit report to establish debt review status and debt counsellor details).

Select

POPI Act*

In terms of Protection of Personal Information Act, I understand that AACS shall not share any information in this form with any other party except parties that are associated with my debt review situation for the purpose of resolving same.

I further give AACS permission to send me emails that are relevant to the service from time to time.

Please double check your answers before submitting the form

Send me a copy of my responses

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