05/06/2026
Debt Review Reminder: Staying in Communication Matters
Debt review is a legal process designed to help over-indebted consumers repay their debts in a structured and affordable way.
However, it is very important for consumers to understand the following:
When you apply for debt review, agree to a repayment arrangement, and then later decide to stop paying through the agreed process, short-pay, miss payments, or pay your credit providers directly, you remain responsible for communicating with your debt counsellor.
Your debt counsellor cannot simply remove you from debt review because you say the debts are paid. The correct documentation must be provided.
If you have settled the accounts that were included in your debt review, you must provide your debt counsellor with the relevant paid-up letters from the credit providers. Once the debt counsellor has the required proof and you qualify in terms of the National Credit Act, a clearance certificate can be issued.
In many cases, a consumer may still qualify for a clearance certificate even where a home loan remains, provided the other debt review accounts have been settled and the bond is up to date or being paid as required.
Please remember:
Debt review does not disappear because you stopped communicating.
Debt review does not automatically end because you paid accounts directly.
Your debt counsellor needs the correct paid-up letters to finalise the process properly.
We understand that life happens. But disappearing for months or years and then returning frustrated because the debt review flag is still active often causes unnecessary stress, stress that could have been avoided with proper communication.
If you are under debt review and your situation has changed, please speak to your debt counsellor. If you paid accounts directly, send the proof. If you are unsure what is still outstanding, ask for guidance.
At DCGsa, we are here to assist consumers through the process, but we can only act on the information and documents provided to us.
📲 Need help understanding your debt review status?
WhatsApp DCGsa: 061 432 8499