0860 627 627 (Call Centre) / 011 554 2700  (Reception) 

  info@ncr.org.za / complaints@ncr.org.za / workshops@ncr.org.za

Complaints we can handle

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

Contact details

Physical Address
127 - 15th Road

Physical Address
Call-Centre, Complaints and Investigations Department
232-15th Road

Consumer Rights

Consumer Assistance
Know your rights
Consumer Tips
Challenge Credit Record

Operating Hours

Mon - Thur : 8AM - 5PM
Friday : 8AM - 4:30PM

Call Centre
0860 627 627

011 554 2700

National Credit Act

Download the National Credit Act
National Credit Amendment Act
National Credit Regulations
Background Documents on the NCA


Fraud / Anti-Corruption Hotline

Report any incidents of wrong doing
to the KPMG Ethics Line

0800 20 53 17 (Toll Free)