Statement Regarding Debt Review Placement

I, wish to place on record the circumstances under which I was placed under debt review by the National Debt Advisors (NDA).

In September 2017, I was contacted telephonically by NDA, who informed me that they could assist in restructuring my debt into more affordable monthly payments. At no stage during this initial engagement was I fully informed of the legal consequences of entering debt review, including the restrictions it would place on my financial affairs, access to credit, and the long-term implications for my credit profile.

I was further advised to sign documents authorising NDA to debit one consolidated monthly instalment from my account, which they claimed would then be distributed to my creditors. Based on the information provided to me at the time, I believed this process was simply a financial management solution and not a legal process that required a court order.

As a result of NDA not honouring payments to my creditors as they had undertaken to do, my accounts fell into arrears. This arrear status then created the grounds upon which NDA proceeded to obtain a court order against me to enforce the debt review process—something I had never knowingly or willingly agreed to under those terms.

I was therefore misled into debt review without a proper explanation of my rights, obligations, or the long-term implications. I contend that I did not give informed consent to this process and that NDA’s actions directly contributed to my financial hardship and the granting of a court order in my name.