Non-Compliance by Registered Debt Counsellor (NCRDC3377) – Failure to Finalise Debt Review

This review serves as a formal record of non-compliance by Bruce Arendse, Registered Debt Counsellor (NCRDC3377). I app**** for debt review on 12 December 2019. In terms of the National Credit Act (34 of 2005), a debt counsellor is required to provide ongoing assistance, aftercare, reasonable follow-up, and to ensure proper finalisation or lawful termination of the debt review process. The debt review process was terminated around 2020. Since termination, I have made repeated attempts to obtain assistance and the required documentation from the debt counsellor. No reasonable response, follow-up, or aftercare support was provided. All accounts subject to the debt review are closed and prescribed. There is no active debt review process and no enforceable obligations under review. Despite this, the debt review flag remains on my credit profile, solely due to the failure of the debt counsellor to assist with formal closure. The continued listing is unreasonable, prejudicial, and inconsistent with the purpose of debt review, which is to rehabilitate consumers financially — not to impose indefinite restriction in the absence of active debt or lawful process. Due to the prolonged failure to resolve this matter, I have formally escalated the issue to the National Credit Regulator (NCR), the National Consumer Tribunal, and relevant human rights structures for review and determination. Relief Requested I require: Immediate assistance to remove the debt review flag Written confirmation of proper termination and closure of the debt review Provision of all documentation required to regularise my credit profile Consumer Warning Consumers are advised that failure by a debt counsellor to provide ongoing aftercare and proper closure may result in long-term and unjustified credit prejudice, even after debts have prescribed and accounts have closed.