AJ
Akther J
1 reviews | Active since May 2020
31 Mar 2026, 21:29
Holding my credit profile hostage and demanding for funds to release my profile
I am extremely concerned and dissatisfied with the manner in which my account has been handled. I cancelled my agreement with your company quite a few years ago, yet it appears that my credit profile continues to be adversely affected. This is particularly troubling given that I have since taken full responsibility for settling my debts independently, without any assistance from your organisation. The ongoing impact on my credit record is both unjustified and unacceptable. It creates the impression that your practices may be prioritising financial gain over genuine client support, especially during periods when clients are most vulnerable and in need of meaningful assistance. I hereby formally request that you urgently review and rectify my records to reflect the true status of my account. Failure to do so will leave me with no choice but to escalate this matter further. I also feel compelled to caution others to exercise due diligence when engaging with such services, as my experience has unfortunately not reflected the level of support and integrity one would reasonably expect.
Helpful (0)
Replies (23)0
Replies (23)
National Debt Counsellors's replyOfficial
01 Apr 2026, 11:06Hi Akther,
Thank you for bringing this to our attention, and we’re really sorry to hear about your experience.
Thank you for bringing this to our attention, and we’re really sorry to hear about your experience.
We understand your concern however please note that under the National Credit Act, a clearance certificate or a court order declaring you no longer over-indebted is required to remove the debt review flag. This can be done once all your debt is settled or by approaching an attorney. If this was not done, it could be why your profile is still affected.
We kindly ask that you privately message us so that we can urgently investigate your matter and assist in getting this resolved as quickly as possible.
We’d appreciate the opportunity to engage with you directly on this and clear up any concerns, and once everything has been clarified, you may consider updating your review accordingly 🙏
We’d appreciate the opportunity to engage with you directly on this and clear up any concerns, and once everything has been clarified, you may consider updating your review accordingly 🙏
National Debt Counsellors's reply01 Apr 2026, 11:06
Official
Hi Akther,
Thank you for bringing this to our attention, and we’re really sorry to hear about your experience.
Thank you for bringing this to our attention, and we’re really sorry to hear about your experience.
We understand your concern however please note that under the National Credit Act, a clearance certificate or a court order declaring you no longer over-indebted is required to remove the debt review flag. This can be done once all your debt is settled or by approaching an attorney. If this was not done, it could be why your profile is still affected.
We kindly ask that you privately message us so that we can urgently investigate your matter and assist in getting this resolved as quickly as possible.
We’d appreciate the opportunity to engage with you directly on this and clear up any concerns, and once everything has been clarified, you may consider updating your review accordingly 🙏
We’d appreciate the opportunity to engage with you directly on this and clear up any concerns, and once everything has been clarified, you may consider updating your review accordingly 🙏
AJ
Akther J's updateReviewer Update
03 Apr 2026, 04:52I have made an attempt to engage directly with National Debt Counselors, as suggested in your response to my review, but have not received any feedback to date.
In order to resolve this matter amicably, I request the following:
That my name be cleared with the relevant credit bureaus; and
That I be provided with a formal clearance certificate confirming the same.
Upon receiving written confirmation that both of the above have been completed, I will honour my undertaking to remove all related posts.
I trust that we can bring this matter to a prompt and fair resolution. I look forward to your urgent response
In order to resolve this matter amicably, I request the following:
That my name be cleared with the relevant credit bureaus; and
That I be provided with a formal clearance certificate confirming the same.
Upon receiving written confirmation that both of the above have been completed, I will honour my undertaking to remove all related posts.
I trust that we can bring this matter to a prompt and fair resolution. I look forward to your urgent response
AJ
Akther J's update03 Apr 2026, 04:52
Reviewer Update
I have made an attempt to engage directly with National Debt Counselors, as suggested in your response to my review, but have not received any feedback to date.
In order to resolve this matter amicably, I request the following:
That my name be cleared with the relevant credit bureaus; and
That I be provided with a formal clearance certificate confirming the same.
Upon receiving written confirmation that both of the above have been completed, I will honour my undertaking to remove all related posts.
I trust that we can bring this matter to a prompt and fair resolution. I look forward to your urgent response
In order to resolve this matter amicably, I request the following:
That my name be cleared with the relevant credit bureaus; and
That I be provided with a formal clearance certificate confirming the same.
Upon receiving written confirmation that both of the above have been completed, I will honour my undertaking to remove all related posts.
I trust that we can bring this matter to a prompt and fair resolution. I look forward to your urgent response
National Debt Counsellors's replyOfficial
07 Apr 2026, 12:29Hi Akther,
Apologies for our delayed response. We have escalated your matter and you should be contacted soon. If you would prefer you may also give us a call using the either of the following numbers : *** / ***.
We look forward to an amicable resolution regarding your matter.
Apologies for our delayed response. We have escalated your matter and you should be contacted soon. If you would prefer you may also give us a call using the either of the following numbers : *** / ***.
We look forward to an amicable resolution regarding your matter.
National Debt Counsellors's reply07 Apr 2026, 12:29
Official
Hi Akther,
Apologies for our delayed response. We have escalated your matter and you should be contacted soon. If you would prefer you may also give us a call using the either of the following numbers : *** / ***.
We look forward to an amicable resolution regarding your matter.
Apologies for our delayed response. We have escalated your matter and you should be contacted soon. If you would prefer you may also give us a call using the either of the following numbers : *** / ***.
We look forward to an amicable resolution regarding your matter.
AJ
Akther J's updateReviewer Update
07 Apr 2026, 12:51What is the number?
AJ
Akther J's update07 Apr 2026, 12:51
Reviewer Update
What is the number?
AJ
Akther J's updateReviewer Update
07 Apr 2026, 17:52Please just clear my name and supply me with a clearance certificate from the credit Bureau and I will remove all these posts otherwise I am just going to continue with my posts until I get what I want, you'll have taken enough money from me already
AJ
Akther J's update07 Apr 2026, 17:52
Reviewer Update
Please just clear my name and supply me with a clearance certificate from the credit Bureau and I will remove all these posts otherwise I am just going to continue with my posts until I get what I want, you'll have taken enough money from me already
AJ
Akther J's updateReviewer Update
08 Apr 2026, 09:17Good Day fellow South Africans, please see the following message received privately from National Debt Counselors to me and this is directly from one of there agent's " No problem Mr Janoo. The outstanding fees due for the issuance of your clearance certificate is: R4 266,22.", No please let me know your thoughts on this, was I not right when I said Holding my credit profile hostage and demanding for funds to release my profile
AJ
Akther J's update08 Apr 2026, 09:17
Reviewer Update
Good Day fellow South Africans, please see the following message received privately from National Debt Counselors to me and this is directly from one of there agent's " No problem Mr Janoo. The outstanding fees due for the issuance of your clearance certificate is: R4 266,22.", No please let me know your thoughts on this, was I not right when I said Holding my credit profile hostage and demanding for funds to release my profile
AJ
Akther J's updateReviewer Update
08 Apr 2026, 09:29I suggest you you change your Name to National Debt Con-artists, cause that would be appropriate in this scenario. People do not fall for this *****ulent company who claims that they will assist you with your Debts because speaking from experience they add more Debts on you instead.
AJ
Akther J's update08 Apr 2026, 09:29
Reviewer Update
I suggest you you change your Name to National Debt Con-artists, cause that would be appropriate in this scenario. People do not fall for this *****ulent company who claims that they will assist you with your Debts because speaking from experience they add more Debts on you instead.
National Debt Counsellors's replyOfficial
08 Apr 2026, 11:03Good day Akther,
We understand your frustration. Please note that it is possible that you had fees outstanding that were accumulated during the debt review process, which would have to be settled before we issue your clearance. You may request a breakdown of those fees, if this has not been given to you as yet. We operate in compliance with the National Credit Act therefore cannot withhold clearance where it's due save for instances such as relevant outstanding fees.
Our only desire is to assist you in an amicable, respectful and transparent manner.
We understand your frustration. Please note that it is possible that you had fees outstanding that were accumulated during the debt review process, which would have to be settled before we issue your clearance. You may request a breakdown of those fees, if this has not been given to you as yet. We operate in compliance with the National Credit Act therefore cannot withhold clearance where it's due save for instances such as relevant outstanding fees.
Our only desire is to assist you in an amicable, respectful and transparent manner.
National Debt Counsellors's reply08 Apr 2026, 11:03
Official
Good day Akther,
We understand your frustration. Please note that it is possible that you had fees outstanding that were accumulated during the debt review process, which would have to be settled before we issue your clearance. You may request a breakdown of those fees, if this has not been given to you as yet. We operate in compliance with the National Credit Act therefore cannot withhold clearance where it's due save for instances such as relevant outstanding fees.
Our only desire is to assist you in an amicable, respectful and transparent manner.
We understand your frustration. Please note that it is possible that you had fees outstanding that were accumulated during the debt review process, which would have to be settled before we issue your clearance. You may request a breakdown of those fees, if this has not been given to you as yet. We operate in compliance with the National Credit Act therefore cannot withhold clearance where it's due save for instances such as relevant outstanding fees.
Our only desire is to assist you in an amicable, respectful and transparent manner.
AJ
Akther J's updateReviewer Update
08 Apr 2026, 12:38I refer to my previous engagement with your company, which I cancelled some time ago due to serious concerns regarding the handling of my funds. It became evident that payments were being allocated towards your internal charges rather than being distributed to my creditors, resulting in my overall debt increasing instead of decreasing.
Given these circumstances, I am not prepared to entertain any claims of outstanding fees. I consider the matter closed from my side.
Accordingly, I hereby request that you take immediate steps to issue me with a clearance certificate and ensure that my records are updated with the relevant credit bureaus without further delay.
Please treat this matter as urgent. I expect written confirmation once the above has been completed..
Given these circumstances, I am not prepared to entertain any claims of outstanding fees. I consider the matter closed from my side.
Accordingly, I hereby request that you take immediate steps to issue me with a clearance certificate and ensure that my records are updated with the relevant credit bureaus without further delay.
Please treat this matter as urgent. I expect written confirmation once the above has been completed..
AJ
Akther J's update08 Apr 2026, 12:38
Reviewer Update
I refer to my previous engagement with your company, which I cancelled some time ago due to serious concerns regarding the handling of my funds. It became evident that payments were being allocated towards your internal charges rather than being distributed to my creditors, resulting in my overall debt increasing instead of decreasing.
Given these circumstances, I am not prepared to entertain any claims of outstanding fees. I consider the matter closed from my side.
Accordingly, I hereby request that you take immediate steps to issue me with a clearance certificate and ensure that my records are updated with the relevant credit bureaus without further delay.
Please treat this matter as urgent. I expect written confirmation once the above has been completed..
Given these circumstances, I am not prepared to entertain any claims of outstanding fees. I consider the matter closed from my side.
Accordingly, I hereby request that you take immediate steps to issue me with a clearance certificate and ensure that my records are updated with the relevant credit bureaus without further delay.
Please treat this matter as urgent. I expect written confirmation once the above has been completed..
AJ
Akther J's updateReviewer Update
08 Apr 2026, 16:43Please see there response in private again "In order for us to issue the clearance , the paid up letters and payment of the fees are required.
I will get a consultant from our cancellations department to get in contact with you to assist further."
Please take this correspondence as formal confirmation of my position regarding this matter. I will not be making any further payments toward your company under any circumstances.
My understanding is that my obligations have already been settled directly, and I no longer require or consent to any services from your organisation. As such, I request that you proceed with issuing my clearance certificate and ensure that my records are updated accordingly with the relevant credit bureaus.
My intention is to resolve this matter amicably and without further delay. Once I receive confirmation that my records have been cleared and the certificate has been issued, I consider this matter fully concluded and we can formally part ways.
I trust that you will treat this matter with the urgency and professionalism it requires. I look forward to your prompt response confirming the above.
I will get a consultant from our cancellations department to get in contact with you to assist further."
Please take this correspondence as formal confirmation of my position regarding this matter. I will not be making any further payments toward your company under any circumstances.
My understanding is that my obligations have already been settled directly, and I no longer require or consent to any services from your organisation. As such, I request that you proceed with issuing my clearance certificate and ensure that my records are updated accordingly with the relevant credit bureaus.
My intention is to resolve this matter amicably and without further delay. Once I receive confirmation that my records have been cleared and the certificate has been issued, I consider this matter fully concluded and we can formally part ways.
I trust that you will treat this matter with the urgency and professionalism it requires. I look forward to your prompt response confirming the above.
AJ
Akther J's update08 Apr 2026, 16:43
Reviewer Update
Please see there response in private again "In order for us to issue the clearance , the paid up letters and payment of the fees are required.
I will get a consultant from our cancellations department to get in contact with you to assist further."
Please take this correspondence as formal confirmation of my position regarding this matter. I will not be making any further payments toward your company under any circumstances.
My understanding is that my obligations have already been settled directly, and I no longer require or consent to any services from your organisation. As such, I request that you proceed with issuing my clearance certificate and ensure that my records are updated accordingly with the relevant credit bureaus.
My intention is to resolve this matter amicably and without further delay. Once I receive confirmation that my records have been cleared and the certificate has been issued, I consider this matter fully concluded and we can formally part ways.
I trust that you will treat this matter with the urgency and professionalism it requires. I look forward to your prompt response confirming the above.
I will get a consultant from our cancellations department to get in contact with you to assist further."
Please take this correspondence as formal confirmation of my position regarding this matter. I will not be making any further payments toward your company under any circumstances.
My understanding is that my obligations have already been settled directly, and I no longer require or consent to any services from your organisation. As such, I request that you proceed with issuing my clearance certificate and ensure that my records are updated accordingly with the relevant credit bureaus.
My intention is to resolve this matter amicably and without further delay. Once I receive confirmation that my records have been cleared and the certificate has been issued, I consider this matter fully concluded and we can formally part ways.
I trust that you will treat this matter with the urgency and professionalism it requires. I look forward to your prompt response confirming the above.
AJ
Akther J's updateReviewer Update
15 Apr 2026, 09:02Please take this correspondence as formal confirmation of my position regarding this matter. I will not be making any further payments toward your company under any circumstances.
My understanding is that my obligations have already been settled directly, and I no longer require or consent to any services from your organisation. As such, I request that you proceed with issuing my clearance certificate and ensure that my records are updated accordingly with the relevant credit bureaus.
My intention is to resolve this matter amicably and without further delay. Once I receive confirmation that my records have been cleared and the certificate has been issued, I consider this matter fully concluded and we can formally part ways.
I trust that you will treat this matter with the urgency and professionalism it requires. I look forward to your prompt response confirming the above.
My understanding is that my obligations have already been settled directly, and I no longer require or consent to any services from your organisation. As such, I request that you proceed with issuing my clearance certificate and ensure that my records are updated accordingly with the relevant credit bureaus.
My intention is to resolve this matter amicably and without further delay. Once I receive confirmation that my records have been cleared and the certificate has been issued, I consider this matter fully concluded and we can formally part ways.
I trust that you will treat this matter with the urgency and professionalism it requires. I look forward to your prompt response confirming the above.
AJ
Akther J's update15 Apr 2026, 09:02
Reviewer Update
Please take this correspondence as formal confirmation of my position regarding this matter. I will not be making any further payments toward your company under any circumstances.
My understanding is that my obligations have already been settled directly, and I no longer require or consent to any services from your organisation. As such, I request that you proceed with issuing my clearance certificate and ensure that my records are updated accordingly with the relevant credit bureaus.
My intention is to resolve this matter amicably and without further delay. Once I receive confirmation that my records have been cleared and the certificate has been issued, I consider this matter fully concluded and we can formally part ways.
I trust that you will treat this matter with the urgency and professionalism it requires. I look forward to your prompt response confirming the above.
My understanding is that my obligations have already been settled directly, and I no longer require or consent to any services from your organisation. As such, I request that you proceed with issuing my clearance certificate and ensure that my records are updated accordingly with the relevant credit bureaus.
My intention is to resolve this matter amicably and without further delay. Once I receive confirmation that my records have been cleared and the certificate has been issued, I consider this matter fully concluded and we can formally part ways.
I trust that you will treat this matter with the urgency and professionalism it requires. I look forward to your prompt response confirming the above.
AJ
Akther J's updateReviewer Update
15 Apr 2026, 09:04NDC response : Hi Akther , My name is Preshana and I have tried to reach out to you regarding the clearance certificate. I was unable to get hold of you. Kindly let me know when would be a more appropriate time to call you back.
AJ
Akther J's update15 Apr 2026, 09:04
Reviewer Update
NDC response : Hi Akther , My name is Preshana and I have tried to reach out to you regarding the clearance certificate. I was unable to get hold of you. Kindly let me know when would be a more appropriate time to call you back.
AJ
Akther J's updateReviewer Update
15 Apr 2026, 09:07[04/09, 09:21] Akther Moosa Aboo Janoo: Hi Preshana, unfortunately I am unable to take calls so the best way to communicate would be via WhatsApp please
[04/09, 09:21] Akther Moosa Aboo Janoo: Thank you
[04/09, 09:21] Akther Moosa Aboo Janoo: Thank you
AJ
Akther J's update15 Apr 2026, 09:07
Reviewer Update
[04/09, 09:21] Akther Moosa Aboo Janoo: Hi Preshana, unfortunately I am unable to take calls so the best way to communicate would be via WhatsApp please
[04/09, 09:21] Akther Moosa Aboo Janoo: Thank you
[04/09, 09:21] Akther Moosa Aboo Janoo: Thank you
AJ
Akther J's updateReviewer Update
15 Apr 2026, 09:08NDC response : Hi Akther, your request to communicate via WhatsApp has been acknowledged. Kindly be advised that the process for the clearance certificate is as follows: Paid up letters for all accounts listed on debt review will first need to be obtained, Fees payable of R4025 will be due, we will then proceed to print, commission and issue your clearance certificate ; The National Credit Regulator's(NCR) Debt Help System(DHS) will then be updated with the relevant status codes and lastly we will update the Credit Bureau Association(CBA) portal with all paid up letters and the clearance certificate for credit bureaus to clear the status. You will also receive your copy of the certificate once issued. I have attached the NCR guideline which is their rule system on the process to be undertaken for us to help you with the clearance certificate. My colleague has previously sent you the power of attorney - kindly sign and return it so that I am able to request and obtain all of your paid up letters. Thank you
AJ
Akther J's update15 Apr 2026, 09:08
Reviewer Update
NDC response : Hi Akther, your request to communicate via WhatsApp has been acknowledged. Kindly be advised that the process for the clearance certificate is as follows: Paid up letters for all accounts listed on debt review will first need to be obtained, Fees payable of R4025 will be due, we will then proceed to print, commission and issue your clearance certificate ; The National Credit Regulator's(NCR) Debt Help System(DHS) will then be updated with the relevant status codes and lastly we will update the Credit Bureau Association(CBA) portal with all paid up letters and the clearance certificate for credit bureaus to clear the status. You will also receive your copy of the certificate once issued. I have attached the NCR guideline which is their rule system on the process to be undertaken for us to help you with the clearance certificate. My colleague has previously sent you the power of attorney - kindly sign and return it so that I am able to request and obtain all of your paid up letters. Thank you
AJ
Akther J's updateReviewer Update
15 Apr 2026, 09:08Hi, thank you for your response and for outlining the process.
I note the steps you have indicated, including the requirement for paid-up letters, the updating of the NCR Debt Help System and Credit Bureau Association records, and the issuance of a clearance certificate.
However, I would like to clarify that I have already settled my obligations directly with my creditors, and as such, I request that you proceed with updating my status and facilitating the clearance process based on this position.
Kindly provide me with a clear explanation, with reference to the applicable NCR guidelines, as to why any additional fees or documentation (including the power of attorney) would be required under these circumstances.
I trust we can resolve this matter promptly. I look forward to your response.
I note the steps you have indicated, including the requirement for paid-up letters, the updating of the NCR Debt Help System and Credit Bureau Association records, and the issuance of a clearance certificate.
However, I would like to clarify that I have already settled my obligations directly with my creditors, and as such, I request that you proceed with updating my status and facilitating the clearance process based on this position.
Kindly provide me with a clear explanation, with reference to the applicable NCR guidelines, as to why any additional fees or documentation (including the power of attorney) would be required under these circumstances.
I trust we can resolve this matter promptly. I look forward to your response.
AJ
Akther J's update15 Apr 2026, 09:08
Reviewer Update
Hi, thank you for your response and for outlining the process.
I note the steps you have indicated, including the requirement for paid-up letters, the updating of the NCR Debt Help System and Credit Bureau Association records, and the issuance of a clearance certificate.
However, I would like to clarify that I have already settled my obligations directly with my creditors, and as such, I request that you proceed with updating my status and facilitating the clearance process based on this position.
Kindly provide me with a clear explanation, with reference to the applicable NCR guidelines, as to why any additional fees or documentation (including the power of attorney) would be required under these circumstances.
I trust we can resolve this matter promptly. I look forward to your response.
I note the steps you have indicated, including the requirement for paid-up letters, the updating of the NCR Debt Help System and Credit Bureau Association records, and the issuance of a clearance certificate.
However, I would like to clarify that I have already settled my obligations directly with my creditors, and as such, I request that you proceed with updating my status and facilitating the clearance process based on this position.
Kindly provide me with a clear explanation, with reference to the applicable NCR guidelines, as to why any additional fees or documentation (including the power of attorney) would be required under these circumstances.
I trust we can resolve this matter promptly. I look forward to your response.
AJ
Akther J's updateReviewer Update
15 Apr 2026, 09:09Please communicate with me via WhatsApp only, as I am currently occupied during working hours and may not be able to take calls.
I would also like to reiterate that I do not agree to any additional fees or payments. Should this matter continue to be pursued, I will have no option but to escalate it to the Financial Ombudsman for further review.
I trust this clarifies my position, and I look forward to your cooperation.
I would also like to reiterate that I do not agree to any additional fees or payments. Should this matter continue to be pursued, I will have no option but to escalate it to the Financial Ombudsman for further review.
I trust this clarifies my position, and I look forward to your cooperation.
AJ
Akther J's update15 Apr 2026, 09:09
Reviewer Update
Please communicate with me via WhatsApp only, as I am currently occupied during working hours and may not be able to take calls.
I would also like to reiterate that I do not agree to any additional fees or payments. Should this matter continue to be pursued, I will have no option but to escalate it to the Financial Ombudsman for further review.
I trust this clarifies my position, and I look forward to your cooperation.
I would also like to reiterate that I do not agree to any additional fees or payments. Should this matter continue to be pursued, I will have no option but to escalate it to the Financial Ombudsman for further review.
I trust this clarifies my position, and I look forward to your cooperation.
AJ
Akther J's updateReviewer Update
15 Apr 2026, 09:10NDC response : [04/13, 14:29] National Debt Counsellors: We're assigning the conversation to the next available agent.
[04/13, 15:29] National Debt Counsellors: Hi Akther, I completely understand your hesitation in providing the paid-up letters, and I appreciate your perspective. However, please note that we are unable to issue a clearance certificate without these documents.
While you are welcome to submit the paid-up letters directly to the credit bureaus to potentially update your account statuses, they will not be able to remove the debt review flag without a formal clearance certificate issued by the debt counsellor.
We are required to strictly comply with NCR regulations, and due to recent changes, we cannot update your status or issue a clearance certificate without the necessary paid-up letters. Deviating from this process would place us in breach of these regulations, which we cannot risk.
I’d also like to clarify that the fees are not causing any delays, as they are standard for the services rendered. The current delay is due to the absence of the required paid-up letters, which are essential for us to proceed.
Please know that we remain fully committed to assisting you, and as soon as we are able to obtain the required documentation in line with NCR guidelines, we will gladly move forward with issuing your clearance certificate.
[04/13, 15:29] National Debt Counsellors: Hi Akther, I completely understand your hesitation in providing the paid-up letters, and I appreciate your perspective. However, please note that we are unable to issue a clearance certificate without these documents.
While you are welcome to submit the paid-up letters directly to the credit bureaus to potentially update your account statuses, they will not be able to remove the debt review flag without a formal clearance certificate issued by the debt counsellor.
We are required to strictly comply with NCR regulations, and due to recent changes, we cannot update your status or issue a clearance certificate without the necessary paid-up letters. Deviating from this process would place us in breach of these regulations, which we cannot risk.
I’d also like to clarify that the fees are not causing any delays, as they are standard for the services rendered. The current delay is due to the absence of the required paid-up letters, which are essential for us to proceed.
Please know that we remain fully committed to assisting you, and as soon as we are able to obtain the required documentation in line with NCR guidelines, we will gladly move forward with issuing your clearance certificate.
AJ
Akther J's update15 Apr 2026, 09:10
Reviewer Update
NDC response : [04/13, 14:29] National Debt Counsellors: We're assigning the conversation to the next available agent.
[04/13, 15:29] National Debt Counsellors: Hi Akther, I completely understand your hesitation in providing the paid-up letters, and I appreciate your perspective. However, please note that we are unable to issue a clearance certificate without these documents.
While you are welcome to submit the paid-up letters directly to the credit bureaus to potentially update your account statuses, they will not be able to remove the debt review flag without a formal clearance certificate issued by the debt counsellor.
We are required to strictly comply with NCR regulations, and due to recent changes, we cannot update your status or issue a clearance certificate without the necessary paid-up letters. Deviating from this process would place us in breach of these regulations, which we cannot risk.
I’d also like to clarify that the fees are not causing any delays, as they are standard for the services rendered. The current delay is due to the absence of the required paid-up letters, which are essential for us to proceed.
Please know that we remain fully committed to assisting you, and as soon as we are able to obtain the required documentation in line with NCR guidelines, we will gladly move forward with issuing your clearance certificate.
[04/13, 15:29] National Debt Counsellors: Hi Akther, I completely understand your hesitation in providing the paid-up letters, and I appreciate your perspective. However, please note that we are unable to issue a clearance certificate without these documents.
While you are welcome to submit the paid-up letters directly to the credit bureaus to potentially update your account statuses, they will not be able to remove the debt review flag without a formal clearance certificate issued by the debt counsellor.
We are required to strictly comply with NCR regulations, and due to recent changes, we cannot update your status or issue a clearance certificate without the necessary paid-up letters. Deviating from this process would place us in breach of these regulations, which we cannot risk.
I’d also like to clarify that the fees are not causing any delays, as they are standard for the services rendered. The current delay is due to the absence of the required paid-up letters, which are essential for us to proceed.
Please know that we remain fully committed to assisting you, and as soon as we are able to obtain the required documentation in line with NCR guidelines, we will gladly move forward with issuing your clearance certificate.
AJ
Akther J's updateReviewer Update
15 Apr 2026, 09:16Dear Sir/Madam,
Thank you for your response and for outlining your position regarding the issuance of my clearance certificate.
While I acknowledge your reference to NCR regulations and the requirement for paid-up letters, I must respectfully express my concern regarding the continued delays in finalising this matter. As previously indicated, my obligations have been settled, and I am seeking the prompt and fair correction of my credit profile without unnecessary procedural obstacles.
Given the ongoing impasse, I have now begun seeking independent legal advice to better understand my rights in this matter, particularly in relation to the obligations of a debt counsellor once a consumer’s debts have been settled. It is my understanding that administrative requirements should not unreasonably delay or prevent the issuance of a clearance certificate where settlement has been effected.
In light of this, I kindly request the following:
Written confirmation of the specific NCR provisions you are relying on to refuse issuance of the clearance certificate in the absence of paid-up letters;
Clarification on whether any alternative verification methods can be reasonably accepted in lieu of these documents;
A clear timeline for resolution, should the required documentation be provided.
My intention remains to resolve this matter amicably and without escalation. However, should delays persist without a reasonable or lawful basis, I will be guided by my legal counsel on the appropriate next steps.
I trust that we can work towards a prompt and mutually acceptable resolution.
Yours sincerely,
Akther Moosa Aboo Janoo
Thank you for your response and for outlining your position regarding the issuance of my clearance certificate.
While I acknowledge your reference to NCR regulations and the requirement for paid-up letters, I must respectfully express my concern regarding the continued delays in finalising this matter. As previously indicated, my obligations have been settled, and I am seeking the prompt and fair correction of my credit profile without unnecessary procedural obstacles.
Given the ongoing impasse, I have now begun seeking independent legal advice to better understand my rights in this matter, particularly in relation to the obligations of a debt counsellor once a consumer’s debts have been settled. It is my understanding that administrative requirements should not unreasonably delay or prevent the issuance of a clearance certificate where settlement has been effected.
In light of this, I kindly request the following:
Written confirmation of the specific NCR provisions you are relying on to refuse issuance of the clearance certificate in the absence of paid-up letters;
Clarification on whether any alternative verification methods can be reasonably accepted in lieu of these documents;
A clear timeline for resolution, should the required documentation be provided.
My intention remains to resolve this matter amicably and without escalation. However, should delays persist without a reasonable or lawful basis, I will be guided by my legal counsel on the appropriate next steps.
I trust that we can work towards a prompt and mutually acceptable resolution.
Yours sincerely,
Akther Moosa Aboo Janoo
AJ
Akther J's update15 Apr 2026, 09:16
Reviewer Update
Dear Sir/Madam,
Thank you for your response and for outlining your position regarding the issuance of my clearance certificate.
While I acknowledge your reference to NCR regulations and the requirement for paid-up letters, I must respectfully express my concern regarding the continued delays in finalising this matter. As previously indicated, my obligations have been settled, and I am seeking the prompt and fair correction of my credit profile without unnecessary procedural obstacles.
Given the ongoing impasse, I have now begun seeking independent legal advice to better understand my rights in this matter, particularly in relation to the obligations of a debt counsellor once a consumer’s debts have been settled. It is my understanding that administrative requirements should not unreasonably delay or prevent the issuance of a clearance certificate where settlement has been effected.
In light of this, I kindly request the following:
Written confirmation of the specific NCR provisions you are relying on to refuse issuance of the clearance certificate in the absence of paid-up letters;
Clarification on whether any alternative verification methods can be reasonably accepted in lieu of these documents;
A clear timeline for resolution, should the required documentation be provided.
My intention remains to resolve this matter amicably and without escalation. However, should delays persist without a reasonable or lawful basis, I will be guided by my legal counsel on the appropriate next steps.
I trust that we can work towards a prompt and mutually acceptable resolution.
Yours sincerely,
Akther Moosa Aboo Janoo
Thank you for your response and for outlining your position regarding the issuance of my clearance certificate.
While I acknowledge your reference to NCR regulations and the requirement for paid-up letters, I must respectfully express my concern regarding the continued delays in finalising this matter. As previously indicated, my obligations have been settled, and I am seeking the prompt and fair correction of my credit profile without unnecessary procedural obstacles.
Given the ongoing impasse, I have now begun seeking independent legal advice to better understand my rights in this matter, particularly in relation to the obligations of a debt counsellor once a consumer’s debts have been settled. It is my understanding that administrative requirements should not unreasonably delay or prevent the issuance of a clearance certificate where settlement has been effected.
In light of this, I kindly request the following:
Written confirmation of the specific NCR provisions you are relying on to refuse issuance of the clearance certificate in the absence of paid-up letters;
Clarification on whether any alternative verification methods can be reasonably accepted in lieu of these documents;
A clear timeline for resolution, should the required documentation be provided.
My intention remains to resolve this matter amicably and without escalation. However, should delays persist without a reasonable or lawful basis, I will be guided by my legal counsel on the appropriate next steps.
I trust that we can work towards a prompt and mutually acceptable resolution.
Yours sincerely,
Akther Moosa Aboo Janoo
AJ
Akther J's updateReviewer Update
15 Apr 2026, 09:20I’d really value some honest opinions on this.
If you’ve ever been in a situation where a company refuses to provide a service unless you pay additional fees—despite you having already fulfilled your obligations—do you think that’s fair or justified?
At what point does it cross the line from policy into exploitation?
Keen to hear your thoughts and experiences.
If you’ve ever been in a situation where a company refuses to provide a service unless you pay additional fees—despite you having already fulfilled your obligations—do you think that’s fair or justified?
At what point does it cross the line from policy into exploitation?
Keen to hear your thoughts and experiences.
AJ
Akther J's update15 Apr 2026, 09:20
Reviewer Update
I’d really value some honest opinions on this.
If you’ve ever been in a situation where a company refuses to provide a service unless you pay additional fees—despite you having already fulfilled your obligations—do you think that’s fair or justified?
At what point does it cross the line from policy into exploitation?
Keen to hear your thoughts and experiences.
If you’ve ever been in a situation where a company refuses to provide a service unless you pay additional fees—despite you having already fulfilled your obligations—do you think that’s fair or justified?
At what point does it cross the line from policy into exploitation?
Keen to hear your thoughts and experiences.
AJ
Akther J's updateReviewer Update
16 Apr 2026, 09:42Latest response received from NDC : Good day, Kindly be advised that fees will be due for the clearance process. In the event that you are able to provide us with all of the paid up letters, a 50% discount will be app**** to the fees due and the payment may be done once-off or over a period of 3 months. This means the amount you would only have to pay - if you send us the paid up letters - is R2012.50. This fee will be due to us for the :
• Updating your Debt Review status on the NCR Debt Counselling System
• Commissioning the clearance certificate
• Issuing the official Clearance Certificate to all Credit Bureaus
• Updating the Credit Bureau Portal with all validated paid-up letters and the commissioned Clearance Certificate
• Updating your Debt Review status on the NCR Debt Counselling System
• Commissioning the clearance certificate
• Issuing the official Clearance Certificate to all Credit Bureaus
• Updating the Credit Bureau Portal with all validated paid-up letters and the commissioned Clearance Certificate
AJ
Akther J's update16 Apr 2026, 09:42
Reviewer Update
Latest response received from NDC : Good day, Kindly be advised that fees will be due for the clearance process. In the event that you are able to provide us with all of the paid up letters, a 50% discount will be app**** to the fees due and the payment may be done once-off or over a period of 3 months. This means the amount you would only have to pay - if you send us the paid up letters - is R2012.50. This fee will be due to us for the :
• Updating your Debt Review status on the NCR Debt Counselling System
• Commissioning the clearance certificate
• Issuing the official Clearance Certificate to all Credit Bureaus
• Updating the Credit Bureau Portal with all validated paid-up letters and the commissioned Clearance Certificate
• Updating your Debt Review status on the NCR Debt Counselling System
• Commissioning the clearance certificate
• Issuing the official Clearance Certificate to all Credit Bureaus
• Updating the Credit Bureau Portal with all validated paid-up letters and the commissioned Clearance Certificate
AJ
Akther J's updateReviewer Update
07 May 2026, 09:23Good Day to the Public
I hope this message finds you well.
I’m reaching out to seek your guidance and support regarding my current situation regarding NDC. Your experience and perspective would be incredibly valuable, and I would greatly appreciate any advice or direction you may be able to offer.
If you have some time,
I would welcome the opportunity to discuss this further at your convenience.
I understand you may have a busy schedule, so I truly appreciate any time or consideration you can provide.
Thank you in advance for your help.
I hope this message finds you well.
I’m reaching out to seek your guidance and support regarding my current situation regarding NDC. Your experience and perspective would be incredibly valuable, and I would greatly appreciate any advice or direction you may be able to offer.
If you have some time,
I would welcome the opportunity to discuss this further at your convenience.
I understand you may have a busy schedule, so I truly appreciate any time or consideration you can provide.
Thank you in advance for your help.
AJ
Akther J's update07 May 2026, 09:23
Reviewer Update
Good Day to the Public
I hope this message finds you well.
I’m reaching out to seek your guidance and support regarding my current situation regarding NDC. Your experience and perspective would be incredibly valuable, and I would greatly appreciate any advice or direction you may be able to offer.
If you have some time,
I would welcome the opportunity to discuss this further at your convenience.
I understand you may have a busy schedule, so I truly appreciate any time or consideration you can provide.
Thank you in advance for your help.
I hope this message finds you well.
I’m reaching out to seek your guidance and support regarding my current situation regarding NDC. Your experience and perspective would be incredibly valuable, and I would greatly appreciate any advice or direction you may be able to offer.
If you have some time,
I would welcome the opportunity to discuss this further at your convenience.
I understand you may have a busy schedule, so I truly appreciate any time or consideration you can provide.
Thank you in advance for your help.
AJ
Akther J's updateReviewer Update
07 May 2026, 09:27Good Day to the Public
I hope this message finds you well.
I’m reaching out to seek your guidance and support regarding my current situation regarding NDC. Your experience and perspective would be incredibly valuable, and I would greatly appreciate any advice or direction you may be able to offer.
If you have some time,
I would welcome the opportunity to discuss this further at your convenience.
I understand you may have a busy schedule, so I truly appreciate any time or consideration you can provide.
Thank you in advance for your help.
I hope this message finds you well.
I’m reaching out to seek your guidance and support regarding my current situation regarding NDC. Your experience and perspective would be incredibly valuable, and I would greatly appreciate any advice or direction you may be able to offer.
If you have some time,
I would welcome the opportunity to discuss this further at your convenience.
I understand you may have a busy schedule, so I truly appreciate any time or consideration you can provide.
Thank you in advance for your help.
AJ
Akther J's update07 May 2026, 09:27
Reviewer Update
Good Day to the Public
I hope this message finds you well.
I’m reaching out to seek your guidance and support regarding my current situation regarding NDC. Your experience and perspective would be incredibly valuable, and I would greatly appreciate any advice or direction you may be able to offer.
If you have some time,
I would welcome the opportunity to discuss this further at your convenience.
I understand you may have a busy schedule, so I truly appreciate any time or consideration you can provide.
Thank you in advance for your help.
I hope this message finds you well.
I’m reaching out to seek your guidance and support regarding my current situation regarding NDC. Your experience and perspective would be incredibly valuable, and I would greatly appreciate any advice or direction you may be able to offer.
If you have some time,
I would welcome the opportunity to discuss this further at your convenience.
I understand you may have a busy schedule, so I truly appreciate any time or consideration you can provide.
Thank you in advance for your help.
AJ
Akther J's updateReviewer Update
22 Jun 2026, 10:14Good day, National Debt Counselors,
Please direct all future communication to me via email or WhatsApp. I prefer that our correspondence remains in written form to ensure a clear and accurate record of all discussions.
This approach is important given previous disputes regarding the content and representation of our communications. I have retained complete records of our exchanges and have submitted them in full, without alteration. Maintaining written communication will help ensure transparency and avoid any further misunderstandings.
I trust you will respect this request and look forward to your response through the specified channels.
Please direct all future communication to me via email or WhatsApp. I prefer that our correspondence remains in written form to ensure a clear and accurate record of all discussions.
This approach is important given previous disputes regarding the content and representation of our communications. I have retained complete records of our exchanges and have submitted them in full, without alteration. Maintaining written communication will help ensure transparency and avoid any further misunderstandings.
I trust you will respect this request and look forward to your response through the specified channels.
AJ
Akther J's update22 Jun 2026, 10:14
Reviewer Update
Good day, National Debt Counselors,
Please direct all future communication to me via email or WhatsApp. I prefer that our correspondence remains in written form to ensure a clear and accurate record of all discussions.
This approach is important given previous disputes regarding the content and representation of our communications. I have retained complete records of our exchanges and have submitted them in full, without alteration. Maintaining written communication will help ensure transparency and avoid any further misunderstandings.
I trust you will respect this request and look forward to your response through the specified channels.
Please direct all future communication to me via email or WhatsApp. I prefer that our correspondence remains in written form to ensure a clear and accurate record of all discussions.
This approach is important given previous disputes regarding the content and representation of our communications. I have retained complete records of our exchanges and have submitted them in full, without alteration. Maintaining written communication will help ensure transparency and avoid any further misunderstandings.
I trust you will respect this request and look forward to your response through the specified channels.