Frustrated with NDC’s Delays in Issuing Clearance Certificate

I have been under debt review with National Debt Counsellors (NDC) and despite complying with all requirements, they have failed to issue my clearance certificate (Form 19).

- I have repeatedly called their team to ask how long the process will take, but they refuse to provide timeframes. Instead, they tell me to wait or to contact creditors/debt collectors for prescribed letters. This puts me at risk of being misunderstood as trying to make new payment arrangements. - I have already paid NDC the fees they requested for processing my clearance. In fact, I have done most of the work myself by obtaining paid‑up letters from creditors. - I even submitted my Experian credit report to them, which confirms that the outstanding accounts they are requesting prescribed letters for are no longer active or have been closed.

Outstanding Accounts in Dispute: - Capitec …4545/4928 - Boodle …0877 - African Bank …2709

Despite all this, NDC continues to delay and refuses to issue Form 19. This is unfair, unprofessional, and undermines the purpose of debt review.

Outcome Requested: I want NDC to issue my clearance certificate immediately, as required under Section 71 of the National Credit Act, so that my name can be removed from debt review without further unnecessary delays.