NCR Debt Review Dispute
In terms of Section 136 of the NCA
🔹 Automated Efficiency 🔹Accountability 🔹Fairness 🔹Transparency & Protection
✅ Log a Dispute ✅ Report a Scam ✅ Report a Debt Counsellor
🔹Every Complaint or Dispute is Investigated without Prejudice
🔹 Every Investigation is conducted with the Urgency it deserves
🔹 Guaranteed Resolution within 7 days
This platform is developed for intergration with the NCR Complaints Department.
🛡️Built in support of the National Credit Act mandate to protect consumers
⚠️Aligned with the NCR’s public warnings against unlawful debt counselling and scam practices.
✅ Foreword
With the promulgation of the National Credit Act nearly two decades ago, the debt review system was established as a formal, regulated solution to assist over-indebted consumers. Since its inception, it has served thousands of South Africans — and the NCR has remained committed to monitoring the conduct of credit industry stakeholders and enforcing the law with integrity.
A fundamental trust was placed in the role of the debt counsellor: to act in the best interest of the consumer, to provide lawful assistance, and to uphold the values of fairness and transparency.
For many years, the debt review system lived up to its intended purpose.
However, over time, a growing culture of deception, exploitation, and misconduct has crept into the system — threatening to undermine everything it was created to protect.
The NCR has become increasingly inundated with complaints of:
🚫 Consumers being placed under debt review without their knowledge or consent,
🚫 Scammers impersonating the NCR and offering flag removal for a fee,
🚫 Corrupt counsellors colluding with scam syndicates, unlawfully flagging consumers and demanding payment for clearance.
These trends have not gone unnoticed.
The time has come to strengthen enforcement, restore public trust, and remove the confusion and vulnerability factors which the scam syndicates thrive on.
✅ This website is the beginning of that shift.
A single, secure platform — created for the consumer, governed by the Regulator — to restore public trust, shut down debt review scams, and bring syndicates and perpetrators to book.
Here, protection and removal of unlawful debt review flags is not promised — it is enforced.
✅ INTRODUCTION
🛡️ The NCRSWIFT Dispute Website is the official entry point for consumers to take lawful action against unlawful or unfair debt review placement and incorrect credit bureau flagging.
🛡️This platform was created to protect you to take action with the ONLY relevant authority (NCR).
🛡️This is the only website that ensures your dispute, or debt counsellor misconduct complaint, or scammer report is immediately investigated and resolved in terms or Section 136 of the National Credit Act.
🚫 Whether you were misled, placed under debt review without your consent, or denied lawful assistance — this is your path to justice.
🚫There is no third party or service provider - be it a lawyer, or court or even a debt counsellor - that can remove the debt review flag from the credit bureau records.
🛑 Only the NCR can instruct the credit bureaus to remove the debt review flag.
What You Can Do on This Website:
✅ Log a Dispute — if you believe you have been unlawfully or unfairly placed under debt review
🔹 When your debt counsellor is not contactable or renderging after-care service
🔹When the debt counsellor refuse to issue a clearance certificate (when you have settled your debts)
✅ Report a Scammer — if someone offered to remove your debt review flag for a fee
✅ Report a Debt Counsellor — if a counsellor misled you, failed to assist you, or violated the NCA
✅ What Happens After Submission:
🔹Your dispute or report is immediately logged and allocated a Case Number.
🔹 For your security and protection, you will receive an email with a WhatsApp link to verify that you personally logged the dispute: Do Not Ignore this WhatsApp verification.
🔹The dispute is routed to the appropriate regulatory team for assessment and investigation.
🔹 The debt counsellor on record in the NCR Dhs system is notified to respond or resolve within 48 hours.
🔹 You will receive the debt counsellor response and/or instant investigation progress notifications.
🔹 You can follow up your case progress via LiveChat or WhatsApp
🏛️ The NCR is committed to consumer protection, closing down scammers and restoring integrity in the debt review industry — and it begins with you, here.
✅ Log a Dispute
Debt Counselling is a voluntary and consensual process which results in the Tribunal or a Magistrate
🔹 It should only begin when you, the consumer, fully understand and agree to the terms. It is the responsibility of a debt counsellor to fully explain the debt review process and your responsibilities under the debt review program.
🔹 You can only be placed under debt review when you voluntarily approach a debt counsellor and sign the prescribed Form16 application.
🔹 The law is clear: only a Magistrate or the National Consumer Tribunal can enforce restructured debt repayment arrangement with a court order. If you believe you have been placed under debt review unlawfully or without consent, or your debt counsellor has failed to assist you, you have the right to challenge the debt review listing in terms of Section 136 of the NCA.
🔎 Before submitting a dispute:
🔹 Ensure that your current status reflects "under debt review" at the credit bureaus.
🔹 Gather proof of your interaction with the debt counsellor (if any)
📎 What you will need to submit:
🔹 A completed Form 29
🔹A copy of your ID.
🔹A sworn affidavit (an affidavit is required to initiate an investigation under below situations).
📎 An affidavit is mandatory when you are alleging that:
🔹 You were placed under debt review without your knowledge or consent.
🔹You never signed Form16 application for debt review
🔹You never signed Suppoprting Affidavit for debt review court application
🔹 Debt Counsellor is not contactable
🔹Debt Counsellor refuse to issue a clearance certificate (where all accounts are settled)
🔹You did not receive a court order for restructured repayments.
Log Debt Review Dispute
⚖️ If you believe you have been placed under debt review without your consent, this is your official recourse.
🔹Debt review is a voluntary, court-driven process — not something that can happen without your knowledge.
🔹If you never signed Form 16, were misled, or cannot access help from your debt counsellor or
🔹If your debt counsellor is not contactable or no longer operating (deregistered)
✅ Log your dispute here:
🔹Your dispute will be assessed and investigated in terms of Section 136 of the NCA.
🔹If your dispute is valid, we shall take appropriate steps to update your records accordingly.
🚫 No payment is required.
🚫 No lawyer is needed.
✅ Just the truth.
Upon submission, you will receive outcome of your assessment and whether you require affidavit or not.
Report Debt Counsellor Misconduct
⚖️ Debt counsellors are licensed to help — not exploit.
If a registered debt counsellor has:
🔹Placed you under debt review without consent,
🔹Refuse to issue clearance certificate,
🔹Is not contactabe,
🔹Failed to assist you
🔹Or charged fees unlawfully—
✅ You are entitled to report that misconduct here.
✅ The NCR will review your submission, notify the registrant, and take appropriate regulatory steps — including referral for deregistration or enforcement where necessary.
🔹You’re here because something went wrong.
⚖️ We’re here to bring justice.
Report a Scam
🚫 No one can remove a debt review flag for a fee.
🏛️ Only the NCR can instruct the credit bureaus to remove the debt review flag
⚠️ If anyone has offered you flag removal, fast-track clearance, fake court orders, or fake clearance certificate — report them immediately.
⚠️These services are not only illegal — they are harming thousands of desperate consumers and undermining national regulation.
🔒Your report will be confidential and routed to the appropriate investigation team.
🏛️The NCR will never protect unlawful actors — and your report helps shut them down.
📢 Every report helps stop abuse. Speak up — it matters.
Frequently Asked Questions
🔸 I never applied for debt review. Why is my credit record flagged?
✅ If you never signed Form 16 or consented to enter debt review, you may have been placed into the process unlawfully. This happens when debt counsellors mislead consumers, use electronic signatures without full disclosure, or falsify application details.
👉 Log a Dispute if this applies to you.
🔹You’ll need to submit Form 29, a sworn affidavit, and proof of the listing.
🔸 How long does it take to remove the debt review flag?
✅ If your dispute is valid and all documents are submitted correctly, resolution can take between 7 and 30 working days.
This timeframe depends on:
🔹The response time of the debt counsellor on record
🔹The complexity of the dispute
🔹Whether additional investigation is required
🔹The system tracks deadlines automatically and escalates matters where necessary — including when the debt counsellor fails to respond.
✅ Most verified disputes are resolved within two weeks.
🚫 Incomplete or unsupported disputes will not be processed.
🔸Do I need to pay to dispute the debt review flag?
🚫 No
🔹The NCR dispute service is free and obligatory as part of the NCR mandate under Section 136 of the NCA.
🔹Registered debt counsellors cannot charge you to dispute or remove the debt review flag.
🔹Only the NCR can update the Dhs System to remove the debt review flag.
🔹We strongly advice that you avoid debt counsellors and third parties who advertise they can get you out of debt review for a fee.
🔸 I emailed the NCR, but nothing happened. Why?
✅ Most email complaints are incomplete and do not qualify as formal disputes under Section 136. Without a signed Form 29 and supporting affidavit, your dispute cannot trigger investigation.
The NCRSwift system ensures that your complaint is submitted correctly — with all documents and status tracking in place.
🔸 Do I need a lawyer to remove a debt review flag?
🚫 No.
🔹No lawyer, third party, or any third party can remove your debt review status.
🔹Only the NCR can instruct credit bureaus to update or remove your listing — and only after validating your dispute.
🔹If someone is offering flag removal for a fee, report them immediately.
🔸 Is an affidavit really required?
✅ Yes.
🔹 Yes.
Even though Form 29 refers to an affidavit as optional, in practice, the affidavit is critical — especially where the debt counsellor is accused of misconduct, non-consent, or failure to assist.
🔹An incomplete or poorly written affidavit may result in your dispute being rejected or delayed.
🔹We strongly recommend that you use the services of an experience expert or legal practitioner to draft the affidavit on your behalf.
🔸 Can I submit if I don’t have all my documents yet?
✅ Yes.
🔹You can submit the assessment questionnaire above and attach Form 29, Sworn affidavit, Copy of your ID, Proof of debt review listing or rejection.
🔹If you don’t have any documents at all, your affidavit gives the NCR authority to initiate investigation and request any documents from the debt counsellor who placed you under debt review.
🔸 Will I be notified of progress?
✅ Yes.
Once your dispute is submitted, you will receive:
🔹 A confirmation email and WhatsApp link - Do Not Ignore this email.
🔹 Progress updates at every stage
🔹 Direct communication if more information is needed
🔹 You can also query your case via LiveChat or WhatsApp at any time.
🔸 Can I have another person submit a dispute on my behalf?
✅ Yes.
Section 136 Regulation 50 of the NCR allows you to appoint a third party to submit a dispute on your behalf.
🔹Just make sure the person you appoint is conversant the the above regulation, if not, do not trust them with your dispute.
🔹Once again, avoid any third party that advertise removal of debt review for a fee. No third party can remove the debt review flag.
🔹Only the NCR can instruct the credit bureau to remove the debt review flag.
🔸 Can I be removed from debt review even if I have not settled my debts?
✅ Yes
It depends on whether:
🔹You voluntarily applied for debt review and
🔹The debt counselling process was not conducted in compliance with the regulations
🔹 The debt review application was not concluded with a court order (court order is not optional)
🔹 If your debt counsellor is no longer in practice, not contactable or rendering proper service.
🔹If for any reason you are not happy with the debt counsellor's service, you can log a complaint for investigation.
✅ Dispute Processing and Investigation Steps
Step 1.
Complete the Dispute Questionnaire
The Dispute Questionnaire is based on the presribed debt review application regulations and processes in terms of Section 86 of the NCA.
The Questionnaire shall determine if your debt review process and placement was conducted in compliance with the regulations
You will recieve:
* Your dispute case reference number
* Instant assessment outcome of any established non-compliance issues
* Recommended Action to remove the flag
Step 2.
Mandatory Dispute Documents, Credit Report and Affidavit
Mandatory Dispute Document(s)
1. Debt Review Dispute Form 29
2. Copy of ID document
In case any other documents are required, you will be notified.
Upon receipt of your Form 29 dispute form and any other documentation (as will be required/supplied)
1. The complaints official shall check the Dhs to confirm debt review status and debt counsellor details.
2. The debt counsellor on record will be notified of the dispute to respond within 48 hours.
3. The dispute shall be resolved within 7-14 days
Step 3.
Investigation and Resolution.
Dispute Affidavit:
An affidavit is required when your dispute is related to the following:
* Placed without concern.
* Did not sign Form 16
* Did not submit Payslip
* Did not consult with debt counsellor at all.
* Debt Counsellor not contactable
* Debt Counsellor refuse to issue clearance certificate.
* Debt Counsellor Unknown.
The Debt Review Dispute Affidavit is not like an affidavit statement that you can just write and stamp at the police station.
The Debt Review Dispute Affidavit must show which prescribed debt review processes where not complied with as per Section 86 of the NCA.
A professionally drafted affidavit is an advantage to get your debt review matter resolved without any delays.