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