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Debt Review & Debt Counselling      Debt Review Fees
Debt Review Fees
Initially there will be an application fee of R50.00. This fee will be paid when applicant summits his Form 16 together with supporting documents.
A Restructuring Fee equal to the lesser of the first installment of the debt re-arrangement plan, or R3 000 excluding VAT (R4000 excl. VAT in the case of a joint application – a husband and wife). You will be responsible for paying this fee on the date of receiving your next salary.
100% Refund: If the debt counsellor fails to submit proposals to credit providers or refer the matter to a tribunal or a magistrate's court within 60 business days from the date of signing NCR Form-16, the debt counsellor will refund 100% of the fee already paid by you.
Legal fees: According to Section 86 (8) of the National Credit Act, a Debt Counsellor must record accepted proposals in the form of a consent order. If all credit providers do not accept the proposal, the matter must be referred to the Magistrate's Court with the Debt Counsellor's recommendation. The cost of applying to the Magistrate’s Court amounts to R5700.00 excluding VAT. This amount will only become payable after the Debt Counsellor's restructuring fee has been paid, and will be deducted from the monthly payments made by the consumer to the Payment and Distribution Agency (PDA). This amount gets paid off over time or at once.
A Rejection Fee of R300 will be charged, should you decide to withdraw from the process in the period between signing Form-16 and the completion of the restructuring negotiations by the Debt Counsellor. You will become liable for the payment of this fee immediately after withdrawing from the process.
75% of Restructuring Fee: Should you wish to withdraw from the process after the debt counsellor has already completed the restructuring negotiations, a fee equal to 75% of the restructuring fee will become payable by you. Should you already have paid the full restructuring fee, the surplus of 25% will be refunded to you.

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