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NCR Registered Debt Counsellors

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Debt Counselling


About the NCR (National Credit Regulator)

The NCR was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.
The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.
The National Credit Regulator is also tasked with the registration of credit providers, credit bureaux and NCR registered debt counsellors; and with the enforcement of compliance with the Act.

iNDC and the NCR – Click here for more info on the debt review process

iNDC (NCR Registered Debt Counsellors) undertake to support the provisions of the National Credit Act 34 of 2005 (NCA) aimed at preventing over-indebtedness and assisting over-indebted consumers. iNDC support the measures introduced by the NCR to ensure that as many debt review applications as possible are brought to a successful conclusion. iNDC commits to implement all guidelines and processes adopted by the NCR. iNDC commits to refer any complaints to the NCR and co-operate with the NCR to ensure the efficiency and effectiveness of the debt review process. With regards to debt rearrangement rules, iNDC undertakes to a) submit reasonable payment proposals to credit providers for consideration and approval, b) submit debt review applications to the magistrate’s courts in compliance with the NCA, and c) load all payment proposals with NCR accredited Payment Distribution Agencies. (PDA).

iNDC will regularly update the NCR Debthelp System for the purpose of monitoring debt counselling. iNDC reports annually to the NCR on all statistics requested from time to time.

NCR Registered Debt Counsellors

Visit the NCR’s website for more information on the national credit act.