{"id":83,"asset_id":"221","title":"Who needs to register? ","alias":"who-needs-to-register-dc","introtext":"<p style=\"line-height: 15.8079996109009px;\">\u00a0The 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>\r\n<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\u2019 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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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;\">\u00a0 <\/span>be 18 years or older<\/span><\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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) \u00a0<\/span><\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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;\">\u00a0 <\/span>be 18 years or older<\/span><\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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 \u00a0 Training - 012 663 3251\/3120<\/span><\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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\u2018s court Act 32 of 1944<\/span><\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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 \u2013<\/span><\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<!--<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">&nbsp;<\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">&nbsp;<\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">&nbsp;<\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">&nbsp;<\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">&nbsp;<\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">&nbsp;<\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">&nbsp;<\/p>\r\n<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\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\u00a0<\/span><\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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;\">\u00a0 <\/span>be 18 years or older<\/span><\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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 \u00a0a grade 12 certificate \u00a0or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 ( a) ( i)\u00a0<\/span><\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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 \u00a0approved by the National Credit Regulator \u00a0and provided \u00a0by an institution approved \u00a0by the National Credit Regulator;<\/span><\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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\u00a0\u00a0\u00a0\u00a0 012\u00a0420 5015<\/span><\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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 \u00a0<span style=\"mso-tab-count: 2;\">\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span>\u00a0\u00a0\u00a0\u00a0 \u00a0011\u00a0242 3400<\/span><\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<span style=\"mso-spacerun: yes;\">\u00a0\u00a0 <\/span>\u00a0\u00a0\u00a0\u00a0\u00a0012\u00a0663 3251<\/span><\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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;\">\u00a0<\/span>\u00a0\u00a0 021\u00a0888 6048<\/span><\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 011\u00a0461 7013<\/span><\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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 \u00a0a minimum of two years working experience in any of the following \u00a0fields;<\/span><\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n\r\n\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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\u2018s court Act 32 of 1944<\/span><\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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 \u2013<\/span><\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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\u2019s credit bureau profile should not reflect significant adverse information. The Following is considered as significant adverse information:<\/span><\/b><\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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\u2018s credit bureau record reflecting Judgments exceeding R20, 000.00<\/span><\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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\u2019s credit accounts are more than 3 months in arrears<\/span><\/p>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<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';\">\u00a0\u00a0\u00a0 <\/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>\r\n<p style=\"line-height: 15.8079996109009px;\">\u00a0<\/p>\r\n<p style=\"margin: 0cm 0cm 7.5pt; line-height: 31.5pt;\">\u00a0<\/p>-->\r\n<p>\u00a0<\/p>","fulltext":"","state":1,"catid":"26","created":"2020-09-11 18:16:05","created_by":"915","created_by_alias":"","modified":"2020-09-11 18:16:12","modified_by":"915","checked_out":"915","checked_out_time":"2020-09-11 18:16:05","publish_up":"2020-09-11 18:16:05","publish_down":"0000-00-00 00:00:00","images":"{\"image_intro\":\"\",\"float_intro\":\"\",\"image_intro_alt\":\"\",\"image_intro_caption\":\"\",\"image_fulltext\":\"\",\"float_fulltext\":\"\",\"image_fulltext_alt\":\"\",\"image_fulltext_caption\":\"\"}","urls":"{\"urla\":false,\"urlatext\":\"\",\"targeta\":\"\",\"urlb\":false,\"urlbtext\":\"\",\"targetb\":\"\",\"urlc\":false,\"urlctext\":\"\",\"targetc\":\"\"}","attribs":"{\"article_layout\":\"\",\"show_title\":\"\",\"link_titles\":\"\",\"show_tags\":\"\",\"show_intro\":\"\",\"info_block_position\":\"\",\"info_block_show_title\":\"\",\"show_category\":\"\",\"link_category\":\"\",\"show_parent_category\":\"\",\"link_parent_category\":\"\",\"show_associations\":\"\",\"show_author\":\"\",\"link_author\":\"\",\"show_create_date\":\"\",\"show_modify_date\":\"\",\"show_publish_date\":\"\",\"show_item_navigation\":\"\",\"show_icons\":\"\",\"show_print_icon\":\"\",\"show_email_icon\":\"\",\"show_vote\":\"\",\"show_hits\":\"\",\"show_noauth\":\"\",\"urls_position\":\"\",\"alternative_readmore\":\"\",\"article_page_title\":\"\",\"show_publishing_options\":\"\",\"show_article_options\":\"\",\"show_urls_images_backend\":\"\",\"show_urls_images_frontend\":\"\"}","version":2,"ordering":"0","metakey":"","metadesc":"","access":"1","hits":"0","metadata":"{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}","featured":"0","language":"*","xreference":""}