<p style="line-height: 15.8079996109009px;"> The Act makes provision for the registration of debt counsellors which have complied with all the provisions of The Act and satisfied the training requirements of the NCR.</p>
<p style="line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><br /> Debt cousellors will conduct independent enquiries into consumers’ financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements. <br /><br /> <span style="font-weight: bold; font-size: 9.0pt;">Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the <span style="color: #f00;">National Credit Amendment Act, 19 of 2014</span>:</span> <br /> </span></p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Applicant must<span style="mso-spacerun: yes;">  </span>be 18 years or older</span></p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 ( a) ( i)  </span></p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Must successfully complete a debt counselling course approved by the National Credit Regulator and provided by an institution approved by the National Credit Regulator;<span style="mso-spacerun: yes;">  </span>be 18 years or older</span></p>
<p style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: gray; mso-themecolor: background1; mso-themeshade: 128;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Lucida Sans',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;">University of Pretoria (Law Clinic) - 012 420 5235</span></p>
<p style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: gray; mso-themecolor: background1; mso-themeshade: 128;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Lucida Sans',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;">Damelin - 011 796 2000</span></p>
<p style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: gray; mso-themecolor: background1; mso-themeshade: 128;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Lucida Sans',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;">Rudo Research   Training - 012 663 3251/3120</span></p>
<p style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: gray; mso-themecolor: background1; mso-themeshade: 128;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Lucida Sans',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;">Summit Financial Partners - 087 806 1000</span></p>
<p style="margin: 0cm 0cm 10pt 54pt; text-indent: -18pt;"><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: gray; mso-themecolor: background1; mso-themeshade: 128;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Lucida Sans',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;">Compuscan Academy - 021 888 6000</span></p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Must have a minimum of two years working experience in any of the following fields;</span></p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Consumer Protection</span></p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Complaints Resolution</span></p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Consumer Advisory Services</span></p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Legal or Paralegal Services</span></p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Accounting or financial services</span></p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Education or training of Individuals</span></p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Counselling of Individuals</span></p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">General Business Environment</span></p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Must not be subject to an Administration order as contemplated in section 74 of the Magistrate‘s court Act 32 of 1944</span></p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act.</span></p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Must not be engaged in, employed by or acting as an agent for a person that is engaged in –</span></p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Debt collection</span></p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">The operation of a credit bureau</span></p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Credit provision</span></p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">The person must demonstrate ability to manage his / her own finances at the time of applying for registration as well as providing counselling or transfer of skills</span></p>
<!--<p style="line-height: 15.8079996109009px;"> </p>
<p style="line-height: 15.8079996109009px;">&nbsp;</p>
<p style="line-height: 15.8079996109009px;">&nbsp;</p>
<p style="line-height: 15.8079996109009px;">&nbsp;</p>
<p style="line-height: 15.8079996109009px;">&nbsp;</p>
<p style="line-height: 15.8079996109009px;">&nbsp;</p>
<p style="line-height: 15.8079996109009px;">&nbsp;</p>
<p style="line-height: 15.8079996109009px;">&nbsp;</p>
<p style="line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Debt cousellors will conduct independent enquiries into consumers’ financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements. </span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;"><b><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the </span></b><b><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-bidi-font-family: Helvetica; color: red; mso-ansi-language: EN-GB;">National Credit Amendment Act, 19 of 2014</span></b><b><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB;">:</span></b></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Applicant must<span style="mso-spacerun: yes;">  </span>be 18 years or older</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Must have  a grade 12 certificate  or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 ( a) ( i) </span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Must successfully complete a debt counselling course  approved by the National Credit Regulator  and provided  by an institution approved  by the National Credit Regulator;</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: gray; mso-themecolor: background1; mso-themeshade: 128;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Lucida Sans',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;">University of Pretoria     012 420 5015</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: gray; mso-themecolor: background1; mso-themeshade: 128;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Lucida Sans',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;">Damelin  <span style="mso-tab-count: 2;">                </span>      011 242 3400</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: gray; mso-themecolor: background1; mso-themeshade: 128;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Lucida Sans',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;">RUDO                     <span style="mso-spacerun: yes;">   </span>     012 663 3251</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;"><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: gray; mso-themecolor: background1; mso-themeshade: 128;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Lucida Sans',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;">Compuscan Academy <span style="mso-spacerun: yes;"> </span>   021 888 6048</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 54pt; text-indent: -18pt;"><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: gray; mso-themecolor: background1; mso-themeshade: 128;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span style="font-size: 9.0pt; line-height: 115%; font-family: 'Lucida Sans',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;">Institute of Bankers        011 461 7013</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Must have  a minimum of two years working experience in any of the following  fields;</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Consumer Protection</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Complaints Resolution</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Consumer Advisory Services</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Legal or Paralegal Services</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Accounting or financial services</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Education or training of Individuals</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Counselling of Individuals</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">General Business Environment</span></p>


<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Must not be subject to an Administration order as contemplated in section 74 of the Magistrate‘s court Act 32 of 1944</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">6.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act.</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">7.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Must not be engaged in, employed by or acting as an agent for a person that is engaged in –</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Debt collection</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">The operation of a credit bureau</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: 'Courier New'; mso-fareast-font-family: 'Courier New'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">o<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">Credit provision</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">8.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">The person must demonstrate ability to manage his / her own finances at the time of applying for registration as well as providing counselling or transfer of skills</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;"><b><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">The applicant’s credit bureau profile should not reflect significant adverse information. The Following is considered as significant adverse information:</span></b></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">The applicant‘s credit bureau record reflecting Judgments exceeding R20, 000.00</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">The applicant has 2 or more Judgments in the last 24 months</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">The applicant has been placed under Administration and or debt review</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">The majority of the applicant’s credit accounts are more than 3 months in arrears</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;"><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Lucida Sans'; mso-bidi-font-family: 'Lucida Sans'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt 'Times New Roman';">    </span></span></span><span lang="EN-GB" style="font-size: 9.0pt; font-family: 'Lucida Sans',sans-serif; mso-fareast-font-family: 'Times New Roman'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;">The applicant has 3 or more defaults</span></p>
<p style="line-height: 15.8079996109009px;"> </p>
<p style="margin: 0cm 0cm 7.5pt; line-height: 31.5pt;"> </p>-->
<p> </p>