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 them 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!
Bogus Legacy Debt Review Status
Over a million South Africans are stuck with an outdated debt review status at credit bureaus—one that no longer reflects their real financial situation. It’s completely incorrect, yet still legally recognized, blocking them from accessing credit, home loans, or even job opportunities.
The media is exposing this growing crisis, and pressure is mounting on the NCR and DTI to take action.
What Is a Bogus Legacy Debt Review Status?
A bogus legacy debt review status means that credit bureaus still show you as being under debt review—even when you shouldn’t be.
This could be because:
✅ You finished paying off your debts years ago.
✅ Your debt counsellor disappeared or was deregistered.
✅ Your debt review placement process was not concluded with a court order.
✅ You never even signed up for debt review in the first place!
"The NCR is aware of the challenges surrounding unfair and unlawful debt review listings and is committed to resolving them. This is your opportunity to connect with the NCR to demand a fair investigation and removal of the debt review flag."
Even if you are happy with your current debt review and debt counsellor, it is better to check now. You have nothing to lose but you will gain peace of mind knowing your debt review process is compliant and you are 100% protected. .
This is your opportunity to make your voice heard.
The Automated Debt Review Dispute System
What is the ADRDS?
The Automated Debt Review Dispute System (ADRDS) is the only system designed to connect consumers directly with the NCR Debt Review Dispute Department—without the frustration of endless phone calls and back-and-forth emails that often lead nowhere.
🔹How Does It Work?
The ADRDS simplifies and speeds up the NCR dispute resolution process by establishing the debt counsellor details and identifying non-compliance issues in the placement of your debt review flag and reporting them directly to the NCR for investigation. If non-compliance is found, you’ll receive:
✅ NCR-prescribed dispute documents (Form29) - for your dispute details
✅ A legal dispute affidavit (required by NCR to initiate investigation).
🔹Automated Dispute Processing
Once you return the dispute documents and the affidavit, the system will:
✔️ Automatically launch your dispute with the NCR.
✔️ Send you a copy of the dispute email for your records.
✔️ Send you guidelines to track your case progress.
✔️ Ensure the NCR acknowledges your dispute and resolves fairly and efficiently.
🔹Tracking & Follow-ups:
The ADRDS does not only submit your dispute—it constantly monitor the NCR progress by triggering weekly feedback requests to the NCR until NCR acknowledges your case. You’ll be copied on these updates, so you can track your case progress every step of the way.
Get Started with Free Dispute Assessment or Specific Dispute Service Below:
Clearance Certificate
Select this Option when:
* You have settled all debts
* Debt Counsellor Not Contactable
* Debt Counsellor Refuse to Issue Clearance Certificate
Unlawful Debt
Select this Option when:
* You never applied for debt review
* You did not sign Form 16 or any documents
* You did not receive debt review court order.
Unknown/Deregistered Debt Counsellor
Select this Option when:
* You do not know the debt counsellor
* The debt counsellor dissappeared
* The debt counsellor has been deregistered.
Debt Review Compliance Check
Select this Option when:
You want to verify if the debt review placement was don in compliance with the regulations.
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
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
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