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FAQ's - Frequently Asked Questions
1. My creditors say they have not received payments from you?
Remember that by law, the Debt Counsellor is allowed to deduct his/her prescribed fees and costs before distributions is made to credit providers. If you are still within the 60 working days’ period after your application, your credit providers would most likely have not yet received any payment from the Payment Distribution Agency. They will receive payments as soon as the fees have been deducted and money becomes available. You can request a statement from us to show all amounts received and paid to your creditors, but we automatically send monthly statements to all our clients.
Click Here2. A credit provider/ call-centre still phones me repeatedly to ask for payments?
Explain that you have applied for Debt Review, and that the Debt Counsellor is acting on your behalf and will be making proposals for payments in due course. Get the name and telephone number from the credit provider and contact us. We will in return contact the credit provider, and confirm and update them on the status of your application.
Click Here3. I received a letter from a credit provider / debt- collector chasing an outstanding debt?
If we already have the contact details for the credit provider or debt-collector, you do not need to send us the letter. If it is from someone else, i.e. a debt-collector or lawyer, saying they had the matter passed on to them by a credit provider, that is part of the debt review application, then you need to forward it to us immediately.
Click Here4. My creditors say that you have not contacted them?
If we contacted a credit provider, we will have proof thereof. Some credit providers might try to put pressure on you to make payment by pretending that we have not inform them of your application. Simply get the contact details (names and telephone number) from the credit provider and forward it to us. We will then contact them to confirm when and how we have contacted them.
Click Here5. My creditors threaten to take me to court?
Credit providers will usually only threaten you with court action if they have been unable to get a response from you regarding outstanding debt. As a client, you can be rest assured that we maintain regular contact with credit providers. We keep them regularly informed with regards to the status of your application and when they are likely to receive payment. This means that court action is highly unlikely.
Click Here6. I forgot to tell you about an extra creditor?
You need to inform us immediately if you have another creditor to add to the ones we already know about. Failure to disclose all creditors can jeopardize any agreement, whether legal or informal, that we make with your creditors.
Click HereThe benefits of Debt Review
Become debt-free with a single affordable monthly payment
– We protect you from legal action
– We provide immediate debt-relief
– We will reduce your monthly debt repayment
– We will save you money on interest and fees
Take control of your finances today
Contact our experts now:
021 974 6182
jacques@jchdebtsolutions.co.za
christa@jchdebtsolutions.co.za