We are Trained & Certified
Our focus is ensuring that your debt review placement was lawfully conducted and your debt counsellor is active and rendering obligatory aftercare service.
The Free Assessment will help you with:
Understanding Your Current Status: Gain clarity on your current debt review situation and explore options if you believe the placement was unfair, fraudulent or overdue.
Exiting Debt Review: Explore the process and requirements for leaving debt review when your financial situation allows.
Debt Counsellor Status: Establish the details of debt counsellor on your credit record as well as their registration status.
A National Consumer Protection Initiative
AACS is Not A Debt Counselling Company
Our core service is to assist consumers with resolution of debt review concerns and removal of the debt review flag (where elligible).
The following are the Major Consumer Concerns:
* Unlawfully/Fraudulently Placed Under Debt Review
* Abandoned by the debt counsellor
* Debt Counsellor is no longer involved in debt counselling
* No Longer Over-Indebted
* Unable to acquire a Clearance Certificate
The AACS collects data and information through an assessement questionnaire to determine the circumstances under which you were placed under debt review. Where non-compliance or any irregularities are established, we shall guide you how to log a dispute with the NCR to investigate and resolve in terms of Section 136 of the NCA.
Credit Approval Validation (CAV)
Did you know that you can apply for credit while your debt review flag is in dispute and being investigated?
With a CAV, credit providers can override the debt review flag and consider and/or approve your credit application (based on affordability) for Home Loan, Vehicle Finance or Persoan Loan.
NCR Debt Counsellor Statistics
Since inception of debt counselling in 2007, over 3000 debt counsellors have been deregistered.
The statistics below indicate that over 65% of registered debt counsellors are no longer involved in debt counselling. This means that a large number of consumers are still listed under debt review displaying a deregistered debt counsellor, rendering the credit bureau information false and incorrect and unfairly prejudicing affected consumers. It is up to you as the consumer to ensure that the debt counsellor who placed you under debt review is currently active. Click on the link below the statistic figure to check the status of your debt counsellor. You will need the NCRDC number or the name of the debt counsellor to search the database.
Where the debt counsellor status is Voluntary Cancelled or Registration Lapsed or Cancelled by Tribunal, you should log a dispute with the NCR to remove the flag from your credit records.
Request Free Assessment
Below is the summary of the most common issues that consumer face within the debt review system. These issues can be resolved by logging a dispute with the NCR or the AACS can assist with the entire dispute process and clearance of the debt review flag.
Clearance Certificate
* All Accounts Settled
* Debt Counsellor refuse to issue Clearance Certificate
* Debt Counsellor is not contactable or deregistered.
* Clearance Certificate issued but flag still showing on your credit report.
Unlawful Debt Review
* Placed without your consent
* You never Applied for debt Review
* Did not sign Form16
* Did not sign Affidavit
* Did not receive Court Order
* You cancelled the process before assessement
* You are no longer over-indebted.
Deregistered Debt Counsellor
* Debt Counsellor not Contactable
* Debt Counsellor Unknown
* Debt Counsellor Registration Lapsed
* Debt Counsellor Voluntary Cancelled
* Debt Counsellor Cancelled by Tribunal.
How Free Assessment Works:
The purpose of the assessment is to assist you to establish the appropriate action that you should take to dispute or remove the debt review flag from your credit record.
1. Acquire your latest Credit Report
* Before we can conduct assessment of your circumstances, you need supply your latest credit report in order to establish the debt review status and the debt counsellor details (and registration status).
* You can obtain a free credit report from any major credit bureau (Xds; Transunion or Experian)
* In case you are unable to request the credit report on your own, you can order the report below.
* You can complete the assessment and supply or order the credit report later. (email report to creditreports@aftercareserives.co.za - or you can attach it on the ChatLive
2. Complete the 3 minute questionnaire
Complete the questionnaire and attach your credit report for assessment
3. Assessment Outcome:
* AACS shall assess all supplied facts including the circumstances under which you were placed under debt review .
* You will recevied email with recommended action to resolve the issues you are experiencing and how to dispute/remove the debt review flag (if applicable).
* You will receive prescribed forms to log a dispute with the NCR.
* You can ChatLive with a trained consultant to assist with the completion of the forms and any other requirements.
Important:
The assessment service is voluntary and free of charge and you are not under obligation to apply the recommended resolution options.
You have the option to take-up the AACS dispute service - this option is voluntary and requires you to sign an authorization document for AACS to log the dispute on your behalf.
Registration & Payment:
You do not pay anything for registration of the dispute service.
Upon registration you will recieve email with a link to access mandatory dispute documents.
And then you will recieve email with a link for payment options.
You can make payment whenever you are ready.
Dispute & Clearance Service
R950 (Instalments available)
* Includes Credit Report
The most important aspect of logging a successful dispute is to be persistent on following up with the Ncr dispute progress.
You may take this service if you are certain that you do not have time to handle the recommended resolution and dispute action and necessary followups.
The Service Entails:
* Latest Credit Report
* Assessment of your debt review circumstances.
* Log Dispute with the Ncr for investigation and clearance.
* Followup with NCR for progress update.
* Receive Updated Credit Report once the flag is removed.
We highly suggest that you discuss your assessment outcome and options with our specialist before you take this service.
Credit Report Order
Select any of the following Reports:
* Xds Credit Report = R130
* Transunion Report = R130
* Datanamatrix Report = R150 (recommended)
* 2 x Report Combo: Datamanix +Transunion = R190
* 2 x Report Combo: Datamanix + Xds = R190
* All Reports (Datanamix+Xds+Transunion =R260
Any report will display full debt review details.
The Datanamix report is comprehensive and displays your current account balances and instalments including defaults, judgments, administration listings (if any)
Free Assessment Questionnaire
Requires Credit Report
The Free Debt Review Assessment is a confidential and no-obligation service designed to empower you with knowledge.
The outcome of the assessment will provide you with detailed guidelines how to log a dispute to resolve your issues and/or clear the debt review flag and any other negative listings.
You will learn and understand your current debt review placement and explore dispute options if you believe it was unfair.
You will be able to ChatLive with a specialist to discuss your options and requirements to log a successful dispute.
Why take our Free Assessment?
Gain Control: Understand your situation and explore potential next steps.
Fight Unfairness: Learn about your rights and options to challenge an unfair placement (if applicable).
Break Free from Confusion: Get clear and accurate information about the debt review dispute/exit process.
Support a Fair System: Your participation contributes valuable data to a national initiative aimed at improving the debt review resolution and exit system for all South Africans.
The Department of Trade and Industry (Dti)
The Dti is the pioneer of the National Credit Act (Nca). AACS is in the process of compiling data with the goal of engaging the Dti to assess the magnitude of:
1. Unlawfully debt review placement: - thousands of consumers have been unlawfully, fraudulently and deceitfully placed under debt review. This is a known fact as currently, 27 debt counsellors were deregistered by the Tribunal due to fraud, misconduct and violation of the Nca regulations. There is evidence that the victims (consumers) remain locked under debt review.
2. Debt Counsellor Deregistered: - over 3000 debt counsellors have left the debt review practice and/or have been deregistered due to registration non-compliance and/or misconduct. This has left millions of consumers stuck with a debt review flag on their credit records. This renders the credit bureau information false and as a result prejudice consumers who are reflected as under debt review with a debt counsellor who is no longer involved in debt counselling.
3. Consumers who have settled all their debts - many consumers have settled their debts yet they are still locked-in the debt review system due to failure of debt counsellors initiating the removal of the flag or the debt counsellor is no longer involved in debt counselling.
4. Abandoned or Incomplete Process: The debt counselling process is completed when the Magistrate or Tribunal court has granted a court order to enforce the re-structured debt re-payment arrangement. There is ample evidence that many debt review applications were not concluded with a court order and consumers who are listed as under debt review did not receive a copy of the court order. Not only the court application process was not executed, but other prescribed procedures preceeding the court application were abandoned or not performed by the debt counsellor.
Empowering Consumers: The data collected through these assessments will be used to create a comprehensive report to be submitted to the Dti. This report will highlight the challenges consumers face within the debt review system, specifically focusing on situations where consumers are unfairly and incorrectly listed as under debt review.
Building a Fairer System: By collaborating with the Dti (with tangible data), we are confident that they will structure a more transparent, accountable and efficient debt review system that protects consumer rights and ensures fair placement and an exit process when consumers are elligible or unfairly locked in the debt review system.
We Need Your Help!
Your participation in the assessment, regardless whether you have issues with your debt review or not, will help to present the Dti with a detailed insight into the plight of consumers who are prejudiced and their lives disrupted by unlawful, fraudulent, unfair and incorrect debt review flag displayed on their credit records and motivate a implementation of a proficient debt review flag removal system.