NCR Debt Review Dispute Portal
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 or retention.
🛡️This platform was created to protect you.
🛡️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
🔹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.
🔹You get email confirmation and a WhatsApp link to verify that you logged the dispute
🔹The dispute is routed to the appropriate regulatory team for assessment and investigation.
🔹 The debt counsellor on your record is notified to respond or resolve
🔹 You will receive progress notifications as your case is actioned
🔹 You can follow up your case progress via LiveChat or WhatsApp
🛡️🔒This website is secure, confidential
🏛️ The NCR is committed to restoring integrity in the debt review industry — and it begins with you, here.
✅ 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.
The Questionnaire shall determine if the 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)
Submit mandatory dispute document (Form29) and othe necessary documents required to initiate investigation of your dispute. You will recieve email with instructions.
Affidavit:
Where affidavit is required, you will receive instruction on how to acquire a compliant affidavit.
Step 3.
Investigation and Resolution.
The Investigation and Resolution Process:
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
✅ 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.