Wat is Skuldberading – Mpumalanga

Skuldberading in in Bronkhortspuit, Middelburg (Mpumalanga), Witbank, Pelgrimsrus, Lydenburg, Burgersfort, Belfast, Nelspruit, Ermelo, Evander, Trichard, Kinross, Amersfoort, Waterval Boven, Waterval Onder, Machado Dorp, Graskop, Sabie, Hazyviewand, Bosbokrand, Sabi Sands, Klaserie, Hoedspruit, Marloth Park, Skukuza, Steelpoort is n proses wat deur die NCR beheer word kragtens die Nasional Kredietwet

 

Skuldberading is n proses waardeur ‘n klient gaan indien hy nie meer sy maandelikse verpligtinge teenoor krediteure kan nakom nie. Met ander woorde as jy te min geld het om jou maandelikse skuld te betaal kan skuldberading vir jou n oplossing wees vir jou skuld.

 

Die skuldberader in Mpumalanga   sal met elke krediteur ‘n nuwe terugbetalings ooreenkoms onderhandel wat die klient kan bekostig om te betaal elke maand. Terugbetalings word verlaag sonder dat jou uitstaande balans meer word. Om dit maklik te verduidelik: Jou tydperk wat jy oorspronklik gehad het om jou skuld terug te betaal word verleng en sodoende word jou paaiement verlaag

 

As jy aanbly onder skuldberading tot al jou skuld betaal is sal jy geen skuld he nie en dus n nuwe beter lewe kan begin sonder om die foute te maak wat jou in die skuld lokval vasgevang het nie.

 

Jy kan enige tyd onttrek uit die proses van skuldberading en hoef nie te bly tot alles klaar betaal is nie

 

Verligting van skuld is onmiddelik en jy sal dadelik die beskerming van die wet geniet onder skuldberading

 

Kontak ons gerus vir gratis skuldberadings aansoekke In Mpumalanga

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Wat is Skuldberading – Noordkaap

Skuldberading in Barkley West, Canavron, Colesberg, Dsanielskuil, De Aar, Fraserburg, Griekwastad, Kakamas, Kammieskroon, Kathu, Kimberley, Kuruman, Loriesfontein, Loxton, Nieuwoudtville, Prieska, Springbok, Upington  is n proses wat deur die NCR beheer word kragtens die Nasional Kredietwet

 

Skuldberading is n proses waardeur ‘n klient gaan indien hy nie meer sy maandelikse verpligtinge teenoor krediteure kan nakom nie. Met ander woorde as jy te min geld het om jou maandelikse skuld te betaal kan skuldberading vir jou n oplossing wees vir jou skuld.

 

Die skuldberader in Noordkaap  sal met elke krediteur ‘n nuwe terugbetalings ooreenkoms onderhandel wat die klient kan bekostig om te betaal elke maand. Terugbetalings word verlaag sonder dat jou uitstaande balans meer word. Om dit maklik te verduidelik: Jou tydperk wat jy oorspronklik gehad het om jou skuld terug te betaal word verleng en sodoende word jou paaiement verlaag

 

As jy aanbly onder skuldberading tot al jou skuld betaal is sal jy geen skuld he nie en dus n nuwe beter lewe kan begin sonder om die foute te maak wat jou in die skuld lokval vasgevang het nie.

 

Jy kan enige tyd onttrek uit die proses van skuldberading en hoef nie te bly tot alles klaar betaal is nie

 

Verligting van skuld is onmiddelik en jy sal dadelik die beskerming van die wet geniet onder skuldberading

 

Kontak ons gerus vir gratis skuldberadings aansoekke In Noordkaap

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Wat is Skuldberading – Helderberg

Skuldberading in Overberg, Strand, Gordon’s Bay, Somerset West, Pniel, Stellenbosch  is n proses wat deur die NCR beheer word kragtens die Nasional Kredietwet

 

Skuldberading is n proses waardeur ‘n klient gaan indien hy nie meer sy maandelikse verpligtinge teenoor krediteure kan nakom nie. Met ander woorde as jy te min geld het om jou maandelikse skuld te betaal kan skuldberading vir jou n oplossing wees vir jou skuld.

 

Die skuldberader in Helderberg  sal met elke krediteur ‘n nuwe terugbetalings ooreenkoms onderhandel wat die klient kan bekostig om te betaal elke maand. Terugbetalings word verlaag sonder dat jou uitstaande balans meer word. Om dit maklik te verduidelik: Jou tydperk wat jy oorspronklik gehad het om jou skuld terug te betaal word verleng en sodoende word jou paaiement verlaag

 

As jy aanbly onder skuldberading tot al jou skuld betaal is sal jy geen skuld he nie en dus n nuwe beter lewe kan begin sonder om die foute te maak wat jou in die skuld lokval vasgevang het nie.

 

Jy kan enige tyd onttrek uit die proses van skuldberading en hoef nie te bly tot alles klaar betaal is nie

 

Verligting van skuld is onmiddelik en jy sal dadelik die beskerming van die wet geniet onder skuldberading

 

Kontak ons gerus vir gratis skuldberadings aansoekke In Helderberg

Wat is Skuldberading – Pretoria

Wat is Skuldberading – Pretoria  ?

Skuldberading in Pretoria, Groenkloof, Waterkloof, Moreletapark, Mooikloof, Woodhill, Faerie Glen, Gezina, Wonderboom, Montana, Sinoville, Karenpark, Waverley, Villeria, Doornpoort, Doornkloof, Zeekoegat, Die Poort, Leeufontein, Silver Lakes, Lynwood, Brooklyn, Hatfield, Centurion, Highveld, Eldoraign, Kloofsig, Murrayfield, The Glen, Silverton, East Lynne and Eersterust  is n proses wat deur die NCR beheer word kragtens die Nasional Kredietwet

 

Skuldberading is n proses waardeur ‘n klient gaan indien hy nie meer sy maandelikse verpligtinge teenoor krediteure kan nakom nie. Met ander woorde as jy te min geld het om jou maandelikse skuld te betaal kan skuldberading vir jou n oplossing wees vir jou skuld.

 

Die skuldberader in Pretoria   sal met elke krediteur ‘n nuwe terugbetalings ooreenkoms onderhandel wat die klient kan bekostig om te betaal elke maand. Terugbetalings word verlaag sonder dat jou uitstaande balans meer word. Om dit maklik te verduidelik: Jou tydperk wat jy oorspronklik gehad het om jou skuld terug te betaal word verleng en sodoende word jou paaiement verlaag

 

As jy aanbly onder skuldberading tot al jou skuld betaal is sal jy geen skuld he nie en dus n nuwe beter lewe kan begin sonder om die foute te maak wat jou in die skuld lokval vasgevang het nie.

 

Jy kan enige tyd onttrek uit die proses van skuldberading en hoef nie te bly tot alles klaar betaal is nie

 

Verligting van skuld is onmiddelik en jy sal dadelik die beskerming van die wet geniet onder skuldberading

 

Kontak ons gerus vir gratis skuldberadings aansoekke In Pretoria

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Contravention of the Credit Act – ABSA bank

 

Money grabbing while under debt review

We recently had a case where ABSA bank was a creditor in a consumers application for debt review, where the bank completely contravened  the National credit Act and in specific section 86.

 

Section 86 talks about how both consumer and creditor must enter into and or handle the debt review application with the same mutual respect

The facts of this case is briefly as follows.

The consumer applied for debt review with us

We established that the consumer was indeed over indebted and proceeded with a formal application for debt review

The consumer was listed on the NCR web portal that in turn lists the consumer on all eleven credit bureaus in South Africa. The consumer status would reflect as “Applied for debt review and is being formally assessed”

This listing should in a perfect world immediately reflect on the credit bureaus as well as update the consumer’s status at any and all credit providers that the consumer is a client of. In other words the bank in this case should have picked up immediately that the consumer is under debt review

Furthermore the Act is very specific in terms of giving any unfair advantage to any creditor. This advantage can be the result of three scenarios

1 The consumer pays a certain creditor extra in a payment schedule. This payment then falls outside the arranged or proposed payment that a creditor should receive under debt review

2. The debt counselor deliberately arranges the repayments so that one creditor gets more (in ratio) to the others
3. The credit provider deducts or keeps on deducting money from the consumers account and in turn receives the deducted payment as well as the debt review proposed or agreed amount

 

In our case Absa bank deducted money from the consumers account knowingly and with knowledge that the consumer has applied for debt review

Although the Act clearly states that all debit orders must be cancelled if a consumer applies for debt review, this never happens.

 

Consequently we had major telephonic and written conversations between the branch, the Absa debt review department, the Absa debt review department manager, the NCR and the consumer without any success.

The non compliance by ABSA and the blunt refusal to work with us in good fait as well as in my opinion contravention of the Act resulted in Help with Debt ;lodging a complaint against ABSA with the NCR complaints department

Turnaround time for ABSA to review any written correspondence is 10 to 14 working days

Our dilemma is that the consumer paid his debt review installment but as a result of ABSA bank deducting from his account unlawfully he is now under immense financial strain

I will keep posting replies to this post as to what happens as it happens.

 

Wat is Skuldberading – Die Vrystaat

Skuldberading in  Arlington,  Free State,,Bethlehem, Clarens, Clocolan, Ficksburg, Fouriesburg, Harrismith, Vrede, Warden, Hennenman, Odendaalsrus, Ventersburg, Virginia, Welkom, Winburg, Frankfort, Heilbron, Kroonstad, Parys, Sasolburg, Villiers, Vredefort, Bloemfontein, Wepener, Zastron   is n proses wat deur die NCR beheer word kragtens die Nasional Kredietwet

 

Skuldberading is n proses waardeur ‘n klient gaan indien hy nie meer sy maandelikse verpligtinge teenoor krediteure kan nakom nie. Met ander woorde as jy te min geld het om jou maandelikse skuld te betaal kan skuldberading vir jou n oplossing wees vir jou skuld.

 

Die skuldberader in Die Vrystaat   sal met elke krediteur ‘n nuwe terugbetalings ooreenkoms onderhandel wat die klient kan bekostig om te betaal elke maand. Terugbetalings word verlaag sonder dat jou uitstaande balans meer word. Om dit maklik te verduidelik: Jou tydperk wat jy oorspronklik gehad het om jou skuld terug te betaal word verleng en sodoende word jou paaiement verlaag

 

As jy aanbly onder skuldberading tot al jou skuld betaal is sal jy geen skuld he nie en dus n nuwe beter lewe kan begin sonder om die foute te maak wat jou in die skuld lokval vasgevang het nie.

 

Jy kan enige tyd onttrek uit die proses van skuldberading en hoef nie te bly tot alles klaar betaal is nie

 

Verligting van skuld is onmiddelik en jy sal dadelik die beskerming van die wet geniet onder skuldberading

 

Kontak ons gerus vir gratis skuldberadings aansoekke In Die Vrystaat

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10 Strategies to Master Your Finances

 

Whether it is too much debt, damaged credit, lack of savings, or not having enough income, financial challenges can be very stressful and discouraging. It is critical to your success strategy to focus on building a firm financial foundation to support your goals. In fact, it is a strong foundation in every area of your life that empowers you to build the life you truly want more easily.

Ask yourself, “What are the three worst financial choices I have made in the past?” and “How could I avoid making similar choices in the future?” It is easy to beat yourself up for mistakes, but a better approach is to simply acknowledge poor choices and seek to make healthier choices starting today. Here are 10 smart choices that will help you create a stronger financial foundation, less financial stress, and the freedom to enjoy your life more fully:

1. Identify past choices that have led to financial frustration or stress, and stop making those choices, starting today.
   One of the most important choices you can make with your money is to learn from your past choices. Use failure and frustration as a learning tool for future success.
2. Pay off credit cards before other debt.
   High balances on revolving debt, such as credit card debt, negatively impact your credit score more than loans that are scheduled to be paid off in a set number of months or years such as a car loan, student loan, or mortgage. One of the fastest ways to improve your credit is to pay down or pay off your credit cards.
3. Stop using your credit cards unless you can trust yourself to pay them in full each month.
   The average American household carries more than $8,000 in credit card debt with no hope of paying it off in the next 60 days, according to the most recent statistics. Make a decision to live within your means, using the money you have rather than money you have to borrow.
4. Change your lifestyle if necessary.
   Sometimes building a strong financial foundation requires sacrifice. If you need to “downsize” your lifestyle so that you can become more financially strong, do it! When you have a purpose and vision, and understand the importance of a firm financial foundation, it is empowering to make tough choices such as keeping your old car for a while longer, waiting to buy a bigger house, or curbing the shopping sprees while you save to buy your own home.
5. Get insurance (health, life, home or renters, auto, and disability) that you feel confident will meet your needs in the event you need to use it.
   No one ever expects a crisis, but it is comforting to know that in the event of one, your finances won’t be completely destroyed. An illness, fire, or accident is stressful enough. Make sure you are covered in the event of unfortunate circumstances.
6. Establish a financial cushion of six to 12 months of expenses.
   Make this a priority goal and begin saving toward it, even if it takes you five years or more to reach your goal. Knowing that financial ruin is not a couple of paychecks away is a very empowering feeling. It will often keep you from making decisions out of fear and empower you to make decisions based on your purpose and vision.
7. Invest time in your own financial education.
   One of the main causes of financial problems is what I call “financial illiteracy.” Some companies make a great deal of money off of the financial ignorance of otherwise intelligent people. Spend two hours or more per month learning about wealth building, debt elimination, investing, and real estate. Read books or articles. Attend a seminar. Learn from those who handle their money well. The more financially literate you become, the better off you will be.
8. Refuse to be an emotional spender.
   Have you ever spent money on your children out of guilt? Or in an effort to win the affection or admiration of others? Do you shop when you are feeling down? Do you buy things you can’t afford because they make you feel better about yourself? Have you co-signed on credit cards or loans, even though your intuition told you not to? If so, you have engaged in “emotional spending,” an expensive habit. Recognize your propensity to spend emotionally and make a decision to change your behavior. Wait 72 hours before making a decision about an impulse purchase. Question your motives before spending money. And make sure you spend your money in a way that reflects your vision and purpose.
9. Have a vision. Set goals!
   Last week, I challenged you to create a vision for the five key areas of your life. One of those areas is your finances. One of the reasons it is important to have a vision is because it serves as a reference point for where you are headed. When you are building toward something specific, it is easier to tell when you get off track. If you have no vision or goals, you often don’t even realize you are on the wrong path until something goes terribly wrong!
10. Put money into proper perspective.
    Having money can certainly make life easier, more convenient, and less stressful. But always remember this: If your biggest problems are money-related, consider yourself VERY blessed. Money problems can be fixed. There are other more important things in your life – your relationship with God and the people you care about, your health, and your integrity, to name a few. Don’t allow financial frustrations to ruin your relationships, cause you to be angry with God, do things that compromise your integrity, or stress you out to the point of causing high blood pressure, panic attacks, or other health problems. Count your blessings and remember that life’s richest rewards will never be found in material things.

 

Wat is Skuldberading – Ooskaap

Skuldberading in Port Elizabeth, East London and Uitenhage is n proses wat deur die NCR beheer word kragtens die Nasional Kredietwet

 

Skuldberading is n proses waardeur ‘n klient gaan indien hy nie meer sy maandelikse verpligtinge teenoor krediteure kan nakom nie. Met ander woorde as jy te min geld het om jou maandelikse skuld te betaal kan skuldberading vir jou n oplossing wees vir jou skuld.

 

Die skuldberader in Ooskaap   sal met elke krediteur ‘n nuwe terugbetalings ooreenkoms onderhandel wat die klient kan bekostig om te betaal elke maand. Terugbetalings word verlaag sonder dat jou uitstaande balans meer word. Om dit maklik te verduidelik: Jou tydperk wat jy oorspronklik gehad het om jou skuld terug te betaal word verleng en sodoende word jou paaiement verlaag

 

As jy aanbly onder skuldberading tot al jou skuld betaal is sal jy geen skuld he nie en dus n nuwe beter lewe kan begin sonder om die foute te maak wat jou in die skuld lokval vasgevang het nie.

 

Jy kan enige tyd onttrek uit die proses van skuldberading en hoef nie te bly tot alles klaar betaal is nie

 

Verligting van skuld is onmiddelik en jy sal dadelik die beskerming van die wet geniet onder skuldberading

 

Kontak ons gerus vir gratis skuldberadings aansoekke In Ooskaap

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Professional Debt Counselling by NCR registered Debt counsellors – Port Elizabeth and East London

We Can Help You Get Debt Free!‎ and prevent legal action and repossession

 

Lower Monthly Payments‎  by up to 60%

 

Don’t wait untill it is too late

 

Free Debt counselling applications (T’s&C’s apply)

 

 

 

Dont wait

If you are in arrears with your accounts, dont wait for legal action to start. Get protection TODAY

 

Debt counseling process

The debt counselling process is very easy to understand. You basically get the opportunity to pay a reduced monthly repayment towards your debt

 

Important questions

Is this a loan?

Absolutely not. Debt counselling is not a loan

Can I exit debt counselling?

Yes you can. At any time you can withdraw from the process

Is debt counselling binding to my creditors?

Debt counselling is the only process where your orginal agreement can be altered and be enforced

 

When to use debt review

If you are struggling every month to repay your debt at the cost of the quality of your life then you must concider debt review

While debt review reduces your monthly repayments it allows you to provide better for your family because it leaves you with more disposable income

 

 

Free debt counseling assessments

We provide free debt counselling assessments and we do not charge joining fees

 

Contact us today for debt counselling and debt review in Port Elizabeth, East London and Uitenhage

 

 

 

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What is debt review in South Africa

Debt Review and Debt counselling  is a process in terms of the National Credit Act for over indebted consumers (Over indebted means if you cannot repay all your monthly debt with your current financial situation)

 

The purpose of debt counselling is to protect the over indebted consumer against Credit providers. The first step in the process is to get the help from a registered debt counselor like