Why Choose ADRDS?

Debt Counselling is a voluntary and consensual process which results in the Tribunal or a Magistrate Court re-arranging the consumer’s debt.

Regardless of how you entered debt review—whether lawfully or through unethical practices—only the NCR has the authority to remove the debt review flag by updating the Debt Help System (DHS). Debt counsellors cannot remove the flag without NCR involvement. The ADRDS eliminates the uncooperative debt counsellor and gives you control to link directly with the NCR. 

The ADRDS 
Where the debt counsellor has failed to render proper service or has transgressed prescribed regulations, the ADRDS acts as a bridge between the consumer and the NCR, giving consumers the power to raise their concerns and resolve their debt review issues.

The Adrds is designed to tackle key challenges such as:
Debt Counsellor Misconduct:
Non-responsive debt counsellors who neglect their clients’ needs.
Debt counsellors who collect fees directly from consumers.
Debt counsellors who fail to finalize the debt review process as per regulations.- (no court order). 
Misleading consumers into debt review under false pretenses.
Refusal to issue a clearance certificate despite all debts being paid off.
Unlawful Debt Review Flags:
Consumers who never signed a Form 16 application.
No consultation between the consumer and debt counsellor (in person, by phone, or by email).
Placed under debt review without required documents (ID, proof of income, account statements).
De-registered Debt Counsellors:
With more than 3,000 debt counsellors de-registered, over 2 million consumers have been left with unresolved debt review flags, making it nearly impossible for them to clear their credit records without NCR intervention.

How to Use ADRDS
The ADRDS process is designed for simplicity and effectiveness, ensuring you can take control of your dispute:
Fill in the Questionnaire: Start by completing a detailed questionnaire that gathers information about how you were placed or entered debt review.
Legal Affidavit Drafting: Based on your responses and identified compliance issues, a legal practitioner will prepare a compulsory affidavit. This affidavit forms the backbone of your dispute.
Pre-Affidavit Review: You will receive a pre-affidavit draft to review and ensure all details are accurate. Once you are satisfied, you will proceed to the next step.
Final Affidavit and Payment: Upon your approval of the draft, you will pay R150 to release the final affidavit for commissioning. You have the option to pay the Full Dispute Service.
Commissioned Affidavit: Once commissioned, it becomes a formal  and legally binding document.
Activate ADRDS: After the affidavit is completed and commissioned, the ADRDS system will be activated, logging your dispute directly to the designated channel within the NCR for investigation and resolution.

Who Can Use ADRDS?
ADRDS is designed for:
* Consumers unlawfully placed under debt review.
* Consumers whose debt review was not concluded with a court order 
* Consumers who are abandoned by de-registered debt counsellors.
* Consumers who are no longer over-indebted but still flagged.
* Consumers facing debt counsellors who refuse to issue clearance certificates.
* Consumers who have lost contact with the debt counsellor or the debt counsellor is not responding to their queries. 

ADRDS Empowers the Consumer
Efficiency: ADRDS accelerates the process, delivering faster results than traditional methods.
Accessibility: It provides a way for consumers to engage with the NCR.
Automated Follow Up: The ADRDS triggers weekly follow up queries on the NCR resolution progress until the matter is resolved. 
Fairness: ADRDS is dedicated to ensuring consumers trapped under unjust debt review flags have a clear and just path to resolve their issues.
Transparency: With ADRDS, you have direct access to your case progress and control over the dispute process.