ADRDS
Automated Debt Review Dispute System
Connecting Consumers Directly with the NCR
The Automated Debt Review Dispute System (ADRDS)
The ADRDS is the only system that has been specifically developed to connect consumers directly with the NCR Debt Review Dispute and Resolution Department
Only the NCR can investigate, resolve and remove the debt review flag
"The ADRDS’s unique ability to connect consumers directly with the NCR allows NCR Complaints and Dispute officials to instantly access all facts (affidavits) and prescribed dispute documentation in a single, structured submission. This enables the NCR to test the merits of the dispute in a fraction of the usual time, swiftly initiate an investigation, and drive resolution with unprecedented efficiency."
In a sense, some disputes can be resolved within 8 hours!
We are Trained & Certified
We specialize in disputing and clearing wrongful debt review placements in terms of Section 136 Regulation 50 of the NCA.
Although trained and certified in debt counselling, we’ve chosen not to register as debt counsellors so we can focus entirely on exposing malpractice in the debt review system and protecting consumers’ rights.
We work in collaboration with the NCR to investigate and remove unlawfully placed and unfairly retained debt review flags.
“Trusted by thousands of consumers across South Africa.”
The Alternative After-Care Service (AACS):
The AACS is an annual subscription service to protect consumers who are currently under debt review or facing credit challenges even after they have been released from debt review.
While the core of the AACS service focuses on dispute and clearance of unlawful debt review flag placements and addressing unethical practices by debt counsellors, the goal is to empower you with knowledge about your rights in the debt review environment.
Subscribers enjoy 365 days of credit legal protection and other essential benefits including personal loans to settle outstanding debts or to get you back on your feet.
By subscribing, you are not only investing in guaranteed debt review clearance now or in the future, but also securing ongoing protection of your consumer rights and reclaiming your credit reputation.
Automated Debt Review Dispute System - ADRDS
"The one common characteristic of the debt review flag is that it will never go away on its own, you have to take action to remove it.
"If you’re considering ADRDS — it’ll be the best decision you’ve ever made"
"If the ADRDS system cannot help you, nothing else will”
"The ADRDS has been recognized as an essential collaboration tool for the consumers to lodge debt review complaints/disputes with the NCR and ensures that your disputes is promptly attended to with transparency and the efficiency you deserve" - Complaints Department at NCR.
One More Thing...
Your Debt Review Court Order:
The court order is not optional or discretional.
There is no valid excuse for the debt counsellor not to file the application for a court order.
It is a legal obligation for the debt counsellor to supply you with a copy of the court order as soon as it is granted.
If you are under debt review but you did not receive a court order:
* Your are not protected
* You Must dispute the debt review flag
* You Must claim 100% refund of fees you paid to the debt counsellor.
The fact that you did not receive the court order is a smoking gun that you are dealing with a rouge or incompetent debt counsellor.
Automated Debt Review Dispute and Clearance (ADRDS)
What can you Dispute?
The debt review flag is unlawful and should be disputed and removed when:
* You did not consult with a debt counsellor
* You did not voluntarily apply for debt review by signing the Form16 Application
* You did not submit your accounts statements
* You did not submit proof of income (payslip)
* You did not accept restructured instalment arrangement
* You did not receive court order
* You have not received a clearance certificate (only when you have settled all accounts)
PS: These questions plus other crucial questions can be found in the Assessment and Dispute Questionnaire.
How it Works
* Register for the ADRDS Service - the registration and assessment is free and non-obligatory
* The system shall conduct an assessment to establish non-compliance issues
* You will receive instant assessment outcome and recommended dispute action
* You will receive a personalized dispute affidavit draft (as required by the NCR), for your perusal and approval
* If you are happy with the affidavit draft, you can decide to proceed with the dispute.
* You will receive file activation instruction to release your final dispute affidavit for your commissioning.
The Dispute and Clearance Process: (in terms of Section 136 Regulation 50 of the NCA)
* Upon return of the commissioned affidavit and mandatory NCR dispute forms
* The ADRDS system shall be activated to lodge the dispute with the NCR and notify you accordingly.
* The NCR shall contact you directly to confirm your case and start the investigation process.
* The ADRDS system triggers weekly automatic feedback request to the NCR and notifies you of this action.
* The NCR shall resolve the dispute and remove the debt review flag within 7 - 30 days.
* Where applicable, the NCR shall impose penalties against the debt counsellor and facilitate reimbursement of the fees you paid to the debt counsellor.
Subscription Service Options:
* You can select your preferred clearance subscription plan A or B.
* All processes and benefits are the same.
Plan C: The Watch-Dog Subscription Option (WDS):
The WDS is a subscription service that is reserved for consumers who do not have any current issues with their debt review and have no reason to dispute, but they are declined credit due to their current or previous debt review. In terms of the debt review regulations, credit providers are not allowed to grant further credit to consumers who are under debt reviewe, however AACS will supply detailed proof that you are not over-indebted or the debt review flag is unlawful or outdated, and the flag has been disputed and under investigation by the NCR. Subscribing to this package also ensures that whenever you feel ready to exit the debt review, you can let the AACS advocate your release without hassles.
Limited Time Launch Subscription Fees
The subscription Launch Fees below expires on 31 January 2025 or 500 subscriptions - whichever comes first.
The minimum subscription fee will be Once-Off R1900 and R190pm
Dispute and Loan Plans:
** Scroll to the Yellow section below for Dispute and Loan Plans.
Dispute & Clearance
Annual Subscription
Plan A
Once-Off R950
The Service fee covers:
* Free Credit Report
* Dispute Assessment
* Dispute Affidavit Draft
* Automated Dispute Log
* Automated Followup
* Guaranteed Removal (7 - 30 days)
You will recieve your dispute affidavit draft within 24 hours
Subscriber Benefits
* Quarterly Credit Report
* 365 days credit legal protection
Dispute & Clearance
Annual Subscription
Plan B
R120 x 12 months
The Service fee covers:
* Free Credit Report
* Dispute Assessment
* Dispute Affidavit Draft
* Automated Dispute Log
* Automated Followup
* Guaranteed Removal (7-30 days)
You will recieve your dispute affidavit draft within 24 hours
Subscriber Benefits
* Quarterly Credit Report
* 365 days credit legal protection
WatchDog
Annual Subscription
Plan C
Once-Off R500
Monthly R50 x 12
The Service fee covers:
* Free Credit Report
* Dispute Assessment
* Dispute Affidavit Draft
You receive instant assessmet outome. If outcome shows non-compliance issues and you want to dispute, you can activate Plan A or B.
Subscriber Benefits
* Personal Loans
* Quarterly Credit Report
* 365 days credit legal protection
Dispute and Loan Plans
Reclaim Your Credit Reputation!
With the ground-breaking ADRDS system gaining momentum and recognition in the credit industry as an essential consumer-centric tool playing a major role in re-introducing unfairly and unlawfully marginalized consumers in the credit market, some major banks have come onboard to enable these consumers to get back on their feet and rebuild their credit reputation (score).
The goal of the loans is to pave a smooth transition into the credit market for consumers who are unfairly stuck or unlawfully placed under debt review. The granting of loans to these consumers will serve as a stepping stone to start re-building a repayment profile that will enhance their credit score to qualify for larger personal loans, home loans and vehicle finance.
Who Qualifies
* Consumers who have registered for ADRDS debt review clearance
* Consumer who have signed a debt review dispute affidavit supplied by the AACS legal practitioner
* Consumers who have been cleared through the ADRDS
* Consumers whose debt review dispute is in progress.
How to apply for a Loan
* Select your preferred Dispute and Loan Plan.
* You will receive your Dispute Affidavit draft for commissioning,
* Once you return the commissioned affidavit, your dispute will be logged with the NCR
* The NCR will confirm your case number (within 7 days)
* You will receive your loan pre-approval notice and terms
* Upon acceptance of the loan terms, the funds will be transferred within 24 hours.
Important:
* The Loan Plans are recommended but not exclusive for consumers who need to settle outstanding debts while their disputes or clearance is in progress. You can use the loan for any other purpose.
* Select the Dispute Subscription Plan that align with your desired Loan Range.
* The approved amount shall be based on affordability assessment as per NCA regulations.
* Approval of loan is Guaranteed.
The Dispute & Loan Plans Include:
* Free Credit Report
* Dispute Assessment
* Dispute Affidavit Draft
* Instant Dispute Log
* Automated Followup
* Guaranteed Removal (7-30 days)
* Quarterly Credit Report
* 365 days credit legal protection
* The Loans are not associated with the subscription, the loan is a benefit for subscribers
* The decision to grant the loan is with the financial credit provider or the bank.
* The subscription is for dispute and removal of the debt review flag.
Dispute & Loan Subscription
Plan A
Annual R1200
R150 pm
Loan Range
R1 000-R8 000
Dispute & Loan Subscription
Plan B
Annual R1600
R170 pm
Loan Range
R10 000-R15 000
Dispute & Loan Subscription
Plan C
Annual R1800
R190 pm
Loan Range
R20 000-R30 000
Dispute & Loan Subscription
Plan D
Annual R2000
R200 pm
Loan Range
R40 000-R50 000
Launch Subscription End Countdown
The DHS & The ADRDS
The DHS (Debt Help System)
The Dhs is used by debt counsellors to place consumers under debt review and update the progress of the application. This system transmits the application status and updates to all credit bureaux.
The NCR use this system to update disputes and facilitate removal of the debt review flag.
The DHS Vulnerability:
The absence of a verification mechanism in the Dhs system makes it vulnerable to exploitation by unethical debt counsellors, allowing them to place consumers under debt review without their consent and/or without complying with prescribed procedures. Once a consumer is unlawfully placed under debt review, the only way to remove the flag is to log a dispute with the NCR.
The ADRDS (Automated Debt Review Dispute System)
This ADRDS was launched in January 2024. This system was specifically and exclusively designed for consumers to connect with the NCR to lodge debt review related complaint and to dispute unlawful and fraudulent debt review flags. The ADRDS system is an alternative replacement of the cumbersome telephone or email disputes which often remain unattended in a queue of thousands of disputes. The ADRDS system records and keeps track of each dispute and triggers weekly reminders/feedback requests to the NCR until the NCR confirms the dispute with the consumer. This gives you control on your debt review complaint/dispute ensuring efficient and transparent investigation and guaranteed clearance of the debt review flag.
"Over 13 000 consumers have used the ADRDS system since inception (2024)"
The ADRDS system logs disputes with the NCR in terms of Section 136 Regulation 50 of the NCA
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