<p><strong>The NCR can assist you with the following types of complaints:</strong></p>
<ul type="disc">
<li>Cost of credit e.g. overcharging of interest, initiation fee, service fee, etc</li>
<li>The conduct of a debt counsellor</li>
<li>Credit related disputes against any credit provider</li>
<li>Complaints against credit bureaus, on condition that the issue was brought to the attention of the bureau prior to lodging a complaint with the NCR</li>
<li>Failure and/or refusal to issue statements of account or other documents relating to an existing credit agreement</li>
<li>Failure and/or refusal by a debt counsellor to issue a clearance certificate</li>
<li>Refusal by a credit provider to cancel an agreement during the cooling off period which is 5 days </li>
<li>Reckless lending</li>
<li>Non-adherence to section 127 &amp; 129 of the NCA by credit providers (taking legal action and repossessing assets without following the prescribed steps)</li>
<li>Non distribution of funds by a payment distribution agent and/or debt counsellor</li>
<li>Credit providers taking legal action whilst the consumer is under debt review</li>
<li>Credit provider’s failure to restructure accounts in accordance with a debt review court order</li>
<li>Unlawful termination of accounts by creditors</li>
<li>Overcharging of fees by debt counsellors</li>
<li>A debt counsellor’s failure to obtain a debt review court order</li>
<li>In-duplum-non-adherence to section 103(5) of the NCA</li>
<li>Credit provider collecting on prescribed debt</li>
</ul>