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Related South Africa Law Questions
I am paying a debt councellor monthly for debt going back to
Good morning. I am paying a debt councellor monthly for debt going back to 2011. These are all store / personal loan accounts - no vehicle or house payments. I have not been working since being retren… read more
Chris K
Chris K
Lawyer
LLB
1,544 satisfied customers
I refer to a matter about a Debt Counsellor I left and
Good day. I refer to a matter about a Debt Counsellor I left and started Debt Counselling with another Debt Counsellor. The previous debt council overcharged me for debt review services. I paid R14,000.00 for debt review services. I use to make enquiry about the charges and it was explained tome that it is for legal services. On 2015/11/30 I paid R4,000.00 for debt review. On 2015/12/30 I paid R4,000.00 for legal services. And from January 2016 till April 2016 I paid R1,500.00 every month for legal services and the show on my distribution statements that I was paying O'Connor and associates for legal services. When asking other people who are also under debt counselling they said I am paying way to much for debt counselling. I got frustrated with trying to get an explanation froma lady called Robyn White that I decided to hand my complaint to the NCR. A lady called Pulane Kareli was the agent assigned to work with my complaint. She explained to me that she requested for documents including a Court Order from the National Debt Advisors and that she has to give the Debt Counsellor 40 days to submit the documents to her. During those 40 days I was asked by Robyn White to print the documents she forwarded to me full it in and hand it to Du Tiot, Louw and Both Inc. Attorneys for my Debt Counselling application that was in March 2016 and was issued with a Court Order 2017/03/23. That is when I realized that O'Connor never did any legal work not even a Court Order. After 40 days I called Pulane Kareli I was told that she is not working on my complaint anymore I can remember remember the gentle man assigned for the matter but every time I called him a lady called Paballo answered and said she is the person working on the complaint and it is at the legal department she is waiting for feedback. I called several times and every time she said that the complaint is still with the legal department. She then briefed me on what is on the complaint that is when I realized that the complaint is not like the way me and Pulane Kareli every thing is just not the way I complaint. I even told her that the Court Order was only done recently by Tu Tiot, Louw and Both Inc. She was very rude because her reply was the the Court Order including all legal services was done by O'Connor and associates "not that Du Tiot Louw and who ever I call them of mine". She forwarded me the decision made by the legal department which obviously didn't go in my favor because this Paballo of the NCR obviously did not work on my complaint. I complaint to one lady which I can not remember and she forwarded me a email showing that she forwarded the complaint to the supervisor of Paballo I can't remember both these lady but I can check for the emails we exchanged during that. From there I received a letter saying the matter if filed as been finilized. I understand that I am now with another Debt Counselling but I still feel that the money which I was charged extra for services not even done by National Debt Advisors and the legal department O'Connor and associates must be refunded to me. I still have the distribution statements PDA and the Court Order issued to me 2017/03/23 by Robyn White from DuTiot, Louw and Both Inc Attorneys if they are needed. The reason now I got hopeless when I the lady at NCR did the same thing as the NDA pretending not to understand what I am complaining about. Regards ***** ***** … read more
Freddie Lombard
Freddie Lombard
Attorney
Bachelor's Degree
3,697 satisfied customers
I am under debt review on this moment. I need to find out,
I am under debt review on this moment . I need to find out , may I pay extra on my debt straight to the bank to pay it of quicker without paying through my debt counselor or do I have to do every tran… read more
CaseLaw
CaseLaw
Attorney
Master's Degree
2,339 satisfied customers
In 2011 my bank had written off my debt. I wend under debt
In 2011 my bank had written off my debt. I wend under debt review during 2007 although the court order was only done in 2011. I made payments to the account and was contacted by a bank employee to sto… read more
WCLawyer
WCLawyer
Attorney
Bachelor's Degree
9,008 satisfied customers
I am under debt review and a court order has been granted .
I am under debt review and a court order has been granted . I n the court order I am to pay a fixed amount every month to a debt counsellor , who then in turn, pays all the parties that I owe money. N… read more
WCLawyer
WCLawyer
Attorney
Bachelor's Degree
9,008 satisfied customers
Please advise, how do one apply for insolvency, is it possible
Please advise, how do one apply for insolvency, is it possible if no fixed assets except a car , and what are the implications?… read more
JJ
JJ
Attorney
Master's Degree
4,502 satisfied customers
I just want to know we are under debt Review and they took
I just want to know we are under debt Review and they took our vehicle back, because the Attorneys, Liddle & Ass where we apply four Debt councelling never get a court order, but they took our money f… read more
Auxilium
Auxilium
Advocate
Bachelor's Degree
49 satisfied customers
My husband has been under debt councilling since December 2009.
My husband has been under debt councilling since December 2009. In 2011 we had a financial difficulty. We did not pay our Debt Wize payment for Oct 2011 and November2011. Mr Meintjes start working in … read more
WCLawyer
WCLawyer
Attorney
Bachelor's Degree
9,008 satisfied customers
I started the debt counseling process with Ms. Andiswa Tinto
I started the debt counseling process with Ms. Andiswa Tinto from Debt relief kings, on 15th October 2010. From that time, I had been paying her a monthly payment of R1300, with which I had assumed my… read more
Mike Otis
Mike Otis
Legal Advisor
Master's Degree
2,094 satisfied customers
I did come into financial difficulties for reason of diificult
I did come into financial difficulties for reason of diificult economic climate, especially during the course of the previous few years and threfore approached a debt Concellor for assistance. Before … read more
WCLawyer
WCLawyer
Attorney
Bachelor's Degree
9,008 satisfied customers
Hi! Ive entered the debt review process last year in April.
Hi! I've entered the debt review process last year in April. One of the creditors is FNB-Homeloans. The've terminated the review, whilst the process is still ongoing(Trying to get a court date to lega… read more
WCLawyer
WCLawyer
Attorney
Bachelor's Degree
9,008 satisfied customers
Good morning I have been under debt review for 18 months and
Good morning I have been under debt review for 18 months and will be retiring at the end of September 2011 as I am 69 years old and have been asked to retire as the company is not doing well. The Prov… read more
JJ
JJ
Attorney
Master's Degree
4,502 satisfied customers
In debt review cases. Does the credit provider tacitly consent
In debt review cases. Does the credit provider tacitly consent to a figure if it gives no response to a S 86 (4) form? If this is so, Does the proposal figure from this constitute a re-arranged figure… read more
Mike Otis
Mike Otis
Legal Advisor
Master's Degree
2,094 satisfied customers
Morning I am a person who is under debtbusters credit review,
Morning I am a person who is under debtbusters credit review, i started depositing money into NATIONAL PAYMENT DISTRIBUTION AGENCY account starting from November 2010, to my suprise i got gurnished on… read more
Mike Otis
Mike Otis
Legal Advisor
Master's Degree
2,094 satisfied customers
Dear Sir. Madam Shortly, I am (have been) under Debt counseling
Dear Sir. Madam Shortly, I am (have been) under Debt counseling since 2008 roundabout Nov. They are known as "New Culture Africa" (Reg 1999/015685/06) in Pretoria. I paid the debt counselor fees as we… read more
WCLawyer
WCLawyer
Attorney
Bachelor's Degree
9,008 satisfied customers
I am on debt review and just waiting to go to court on the
I am on debt review and just waiting to go to court on the 09 Jan-2010. The problem is that I have just heard from the debtor that their attorneys opposed that date at High Court and they are proceedi… read more
Mike Otis
Mike Otis
Legal Advisor
Master's Degree
2,094 satisfied customers
My husband and I have both become unemployed and have had to
My husband and I have both become unemployed and have had to apply for debt review in order to keep a roof over our families head. Our case is still before the court, sub judice, and in the meanwhile … read more
WCLawyer
WCLawyer
Attorney
Bachelor's Degree
9,008 satisfied customers
Hi. I need super urgent help Re. FNB South Africa. I have
Hi. I need super urgent help Re. FNB South Africa. I have been under, and am still under Debt Counselling since Dec 2008. July 2010, I asked Debt counsellor for FINAL balances for all outstanding acco… read more
WCLawyer
WCLawyer
Attorney
Bachelor's Degree
9,008 satisfied customers

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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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