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Hi There,

The reason for this is not to rate you.

I haven't engaged this entity but they have reached out to me. As a previously registered debt counselor I would like to point out the following so that you may avoid trouble with NCR complaints:

1. Please do not use the name of the NCR losely. You are not affiliated. The NCR is the state organ which governs the practice of a debt consellor. 2. Your pitch should be clear and concise and not misleading or otherwise to be construed as assistance, aid or affiliated with a credit provider. I was under the impression that your entity was affiliated with my bond account from that call which could, if I asked for the recording land you in serious trouble... I won't do this as it may be a new agent, but the next person may go to the extreme. 3. Be cognitive of the fact that you are reaching people during their working hours, which presents a challenge. 4. Be sure to inform your agents from which databases you are operating, because I truly would love to know where and how you got hold of my number and my husband's as well. 5. The agent could afford to sound more enthusiastic and may benefit from not divulging what they learnt from the clients credit report to them at inception of the call because they have no authority to access the report prior to obtaining consent mandate from the client and an ID copy.

I would also like to request on this platform that you remove my details as well as my husband's so that we do not receive further calls from your entity.

Thank you for taking the time to read this and all the best with your business... debt review is helpful when done correctly. I have huge respect for the industry.

I was called today at about 15h00.

Have a blessed festive season.

Regards, Christelle Saal