Debt counsel ignoring me with listing me on debt flag while the debts are no

For clarity and record:

• My debt review services were terminated in 2020. • All accounts included under the debt review are no longer active and/or have prescribed. • No court order exists authorising the continued listing of my debt review status. • Multiple attempts to obtain assistance and corrective action from your offices have failed.

In terms of the National Credit Act 34 of 2005, debt review is a rehabilitative mechanism, intended to assist consumers to resolve over-indebtedness and re-enter the credit market as financially rehabilitated individuals. It is not intended to punish, frustrate, or indefinitely restrict a consumer once its purpose has been fulfilled.

Your continued failure to remove my debt review status defeats the purpose of debt review and has resulted in ongoing financial exclusion and administrative prejudice. This has effectively placed me under financial imprisonment, cutting off access to legitimate financial opportunities that are necessary to live a dignified and stable life.

This matter has now escalated into a constitutional and human rights concern. I currently have a minor child for whom I am legally and morally responsible. Due to the continued debt review flag, I am being repeatedly denied access to basic financial services, including the ability to open accounts required for medical care, clothing, and essential family needs.

The continued restriction no longer serves any lawful or regulatory purpose in relation to my financial position or the debts that previously existed. Instead, it constitutes unjustified interference with my right to dignity, fair administrative action, and the ability to provide for my family.

Due to your continued inaction, this matter has already been escalated to the following bodies:

• National Credit Regulator (NCR) • National Consumer Tribunal • South African Human Rights Commission (SAHRC) • Relevant credit bureaus and oversight authorities

These escalations are currently active.

Accordingly, you are hereby required to do the following within seven (7) calendar days of receipt of this email:

1. Issue a certified Clearance Certificate; 2. Take all necessary steps to ensure the immediate removal of my debt review status across all credit bureaus; and 3. Provide written confirmation of compliance and timelines for full implementation.

Failure to comply will leave me with no alternative but to proceed with full regulatory enforcement and further legal remedies without further notice.

I await your urgent written response.

Regards, Mbuso Masango