Based on recent customer reviews, National Debt Association is overwhelmingly criticised for outbound telephone sales that consumers say misrepresented debt review as interest reduction or consolidation, sometimes implying a link to the National Credit Regulator. Complaints centre on credit reports pulled and debit orders loaded without informed consent, deductions of several thousand rand, and staff becoming unreachable when Form 17.2 cancellation letters are requested. Repeat calls are described as harassment. A small minority report positive outcomes, with agents helping them settle accounts and obtain clearance certificates.
TrustIndex
2.1
NPS Score
-86
Recommended: Unlikely
Nov '25 - Oct '26
Frequently Asked Questions About NATIONAL DEBT ASSOCIATION
What do customers say about NATIONAL DEBT ASSOCIATION?
Based on recent customer reviews, National Debt Association is overwhelmingly criticised for outbound telephone sales that consumers say misrepresented debt review as interest reduction or consolidation, sometimes implying a link to the National Credit Regulator. Complaints centre on credit reports pulled and debit orders loaded without informed consent, deductions of several thousand rand, and staff becoming unreachable when Form 17.2 cancellation letters are requested. Repeat calls are described as harassment. A small minority report positive outcomes, with agents helping them settle accounts and obtain clearance certificates.
Is NATIONAL DEBT ASSOCIATION trustworthy?
NATIONAL DEBT ASSOCIATION has a TrustIndex of 2.1 out of 10 on Hellopeter, based on 20 reviews in the last 12 months. Hellopeter has tracked NATIONAL DEBT ASSOCIATION across 28 total reviews. How is the TrustIndex calculated? →
Recent reviews (20)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your Experience1 reviews | Active since Oct 2026
National Debt Association Ghosted Me After Application
I app**** with National Debt Association (NDA) on Friday. They went offline immediately - one grey tick on WhatsApp since Friday 10th Oct, no reply to emails. I cancelled debit order before they took any money (R0 taken). They did not pay my creditors, I had to pay Old Mutual myself. My credit score dropped to 0 Very Poor and -548 points on XDS. No support. I had to find a new debt counsellor Rowan Breeds to transfer me and clear my name. Very poor service, please avoid. ID ***
1 reviews | Active since Oct 2026
National Debt Association Ghosted Me After Application
I app**** with National Debt Association (NDA) on Friday. They went offline immediately - one grey tick on WhatsApp since Friday 10th Oct, no reply to emails. I cancelled debit order before they took any money (R0 taken). They did not pay my creditors, I had to pay Old Mutual myself. My credit score dropped to 0 Very Poor and -548 points on XDS. No support. I had to find a new debt counsellor Rowan Breeds to transfer me and clear my name. Very poor service, please avoid. ID ***
1 reviews | Active since May 2016
Liers and ********
This "business" should be shut down. Nothing but ********. They tell lies to get people, who dont have a debt problem, to go into debt review.
1 reviews | Active since May 2016
Liers and ********
This "business" should be shut down. Nothing but ********. They tell lies to get people, who dont have a debt problem, to go into debt review.
1 reviews | Active since Nov 2015
Unhappy consumer 💔
I would like to share my personal experience with National Debt Association. Unfortunately, my experience with NDA was very stressful and disappointing. I was already dealing with financial pressure when I entered into the debt-relief process, and the deduction from my account made my situation even more difficult. An amount of R3,983 was deducted from my account on the 25 August 2026 . This had a significant impact on my finances, especially because I still had other important financial commitments to meet. I also had concerns regarding the documentation and the information provided to me during the process. I expected clear communication, proper documentation, and transparency about the process and the payments being deducted from my account. When I raised my concerns and wanted to resolve the matter, I expected to receive proper assistance and clear answers. Instead, the experience left me feeling frustrated and financially distressed. I am sharing this review based on my personal experience. I believe anyone considering using NDA should carefully review all documentation, understand the terms and fees, and make sure they have a clear understanding of what will happen before making any payments or allowing deductions from their account. This experience has been very difficult for me financially, and I hope sharing my experience will encourage others to ask questions and make informed decisions before entering into a debt-relief agreement.
1 reviews | Active since Nov 2015
Unhappy consumer 💔
I would like to share my personal experience with National Debt Association. Unfortunately, my experience with NDA was very stressful and disappointing. I was already dealing with financial pressure when I entered into the debt-relief process, and the deduction from my account made my situation even more difficult. An amount of R3,983 was deducted from my account on the 25 August 2026 . This had a significant impact on my finances, especially because I still had other important financial commitments to meet. I also had concerns regarding the documentation and the information provided to me during the process. I expected clear communication, proper documentation, and transparency about the process and the payments being deducted from my account. When I raised my concerns and wanted to resolve the matter, I expected to receive proper assistance and clear answers. Instead, the experience left me feeling frustrated and financially distressed. I am sharing this review based on my personal experience. I believe anyone considering using NDA should carefully review all documentation, understand the terms and fees, and make sure they have a clear understanding of what will happen before making any payments or allowing deductions from their account. This experience has been very difficult for me financially, and I hope sharing my experience will encourage others to ask questions and make informed decisions before entering into a debt-relief agreement.
1 reviews | Active since Sept 2026
REPORT TO THIS COMPANY TO THE NCR!
One of the worst companies on the planet. Hell on earth, demons in human skin. They will tell you they will consolidate your debt & reduce your interest rate, but leave out the fact that you will be in debt review, and that the first 2 instalments go to them, not your creditors! Lies, deception, your life ruined just so a pathetic call centre agent reaches their target. I lost R4600 of my hard-earned, honestly earned money to *******. Wendy, Tumi, Nabeelah, and the rest of those associated with the NDA must be stopped. Report them to the NCR for ********* business practices and SAVE YOURSELF!
1 reviews | Active since Sept 2026
REPORT TO THIS COMPANY TO THE NCR!
One of the worst companies on the planet. Hell on earth, demons in human skin. They will tell you they will consolidate your debt & reduce your interest rate, but leave out the fact that you will be in debt review, and that the first 2 instalments go to them, not your creditors! Lies, deception, your life ruined just so a pathetic call centre agent reaches their target. I lost R4600 of my hard-earned, honestly earned money to *******. Wendy, Tumi, Nabeelah, and the rest of those associated with the NDA must be stopped. Report them to the NCR for ********* business practices and SAVE YOURSELF!
1 reviews | Active since Sept 2026
National debt association
Thank you very much for the effort in helping me gain financial freedom. By closing my account of debt ..I am debt free because of national debt association's help
1 reviews | Active since Sept 2026
National debt association
Thank you very much for the effort in helping me gain financial freedom. By closing my account of debt ..I am debt free because of national debt association's help
1 reviews | Active since Mar 2009
Harrassed by national debt councillors
I keep getting calls from various national debt regulatory companies daily 2 to 3 times from numbers like these ... *** or *** ... I have asked everyone to remove my number from their databases to no avail ... When asked for their supervisors they point blank say NO then put tge fone down ... How do i remove my number from their databases??? How do i contact their firm directors??? The irritation goes beyond an occasional call and has overstepped into stalking harrasment and pure blatant disregard for the popi act and other legal issues ... Its gotten out of hand... Who do they think they are????
1 reviews | Active since Mar 2009
Harrassed by national debt councillors
I keep getting calls from various national debt regulatory companies daily 2 to 3 times from numbers like these ... *** or *** ... I have asked everyone to remove my number from their databases to no avail ... When asked for their supervisors they point blank say NO then put tge fone down ... How do i remove my number from their databases??? How do i contact their firm directors??? The irritation goes beyond an occasional call and has overstepped into stalking harrasment and pure blatant disregard for the popi act and other legal issues ... Its gotten out of hand... Who do they think they are????
1 reviews | Active since Aug 2026
Extremely disappointed and concerned
I am extremely unhappy with the way this company has handled my debt review. I had approximately R15,000 in debt, yet I was placed under debt review and was told that the company would assist with reducing the interest and arranging payments with my creditors. I was charged/deducted approximately R6,000, but I have not received a clear explanation of where this money went or proof that it was paid to my creditors. My understanding is that this amount was retained by the company as their fee. I have repeatedly tried to contact the company by telephone and WhatsApp, but they are not answering my calls or responding to my messages. I need a proper explanation of: 1. Why I was placed under debt review. 2. What agreement or consent was used to place me under debt review. 3. Exactly what the R6,000 was charged for. 4. Where my money was paid and how much was actually paid to each creditor. 5. What the current status of my debt review is. 6. What steps will be taken to resolve this matter and, if applicable, refund money that was improperly charged or retained. I am requesting that the company contact me urgently and provide written proof and a full statement of account. I do not believe it is acceptable to take a substantial amount of money from a consumer and then become unreachable when the consumer asks for an explanation. If this matter is not resolved, I will consider escalating the complaint to the National Credit Regulator and other relevant authorities. I would like a written response addressing each of the points above
1 reviews | Active since Aug 2026
Extremely disappointed and concerned
I am extremely unhappy with the way this company has handled my debt review. I had approximately R15,000 in debt, yet I was placed under debt review and was told that the company would assist with reducing the interest and arranging payments with my creditors. I was charged/deducted approximately R6,000, but I have not received a clear explanation of where this money went or proof that it was paid to my creditors. My understanding is that this amount was retained by the company as their fee. I have repeatedly tried to contact the company by telephone and WhatsApp, but they are not answering my calls or responding to my messages. I need a proper explanation of: 1. Why I was placed under debt review. 2. What agreement or consent was used to place me under debt review. 3. Exactly what the R6,000 was charged for. 4. Where my money was paid and how much was actually paid to each creditor. 5. What the current status of my debt review is. 6. What steps will be taken to resolve this matter and, if applicable, refund money that was improperly charged or retained. I am requesting that the company contact me urgently and provide written proof and a full statement of account. I do not believe it is acceptable to take a substantial amount of money from a consumer and then become unreachable when the consumer asks for an explanation. If this matter is not resolved, I will consider escalating the complaint to the National Credit Regulator and other relevant authorities. I would like a written response addressing each of the points above
1 reviews | Active since Aug 2026
****MERS BEWARE!
This company phones you with promises of reduced interest rates, not declaring that they are actually placing you under debt review. There is no clear way of contacting them, it is absolutely a ****. We had to go to the bank to cancel their debit order, and am still struggling to reach out to them.
1 reviews | Active since Aug 2026
****MERS BEWARE!
This company phones you with promises of reduced interest rates, not declaring that they are actually placing you under debt review. There is no clear way of contacting them, it is absolutely a ****. We had to go to the bank to cancel their debit order, and am still struggling to reach out to them.