The National Debt Review Center

22/04/2026

NCR Debt Counselling Guidelines - The Official Task Team Agreements Rulebook that governs debt review in South Africa.

These rules are not a set of suggestions. They are the operational rules every registered debt counsellor, payment distribution agent , and credit provider in South Africa must follow when a consumer enters debt review.

They define from how Form 17.1 notices are issued, how creditor balances are confirmed, how restructuring proposals are calculated, what counts as a "luxurious item", how over-indebtedness is evaluated, how disputes between counsellors and credit providers are resolved and many more.

Be informed!

https://ndrc.org.za/debt-counselling/official-guide/

01/04/2026

Q1 2026 debt review and removal data is now available.

Two clear shifts this quarter:

• Unsecured debt now dominates repayment pressure
• More consumers are exiting through clearance, not through the Magistrates Court

At the same time, fuel, electricity, and interest rates are tightening affordability going into Q2.

This affects both:
– those currently under debt review
– those considering exiting

The reports break down what changed and what it means under current conditions.

View the full Q1 2026 Reports and assess your position.

Debt Review Operational Report - https://ndrc.org.za/reports/debt-review-q1-2026/

Debt Review Removal Report - https://ndrc.org.za/reports/removal-q1-2026/

25/03/2026

The NCR Debt Help System is scheduled to go live on 30 March 2026, following the system outage that began on 3 February 2026. If you are under debt review, your status code on the DHS may not reflect recent progress until your debt counsellor updates it during the designated week. The NCR has issued Circular 003/2026 with a 5-week staggered update schedule to manage the backlog without overloading the system.

👉️ Learn more here https://ndrc.org.za/blog/ncr-circular-003-2026-dhs-staggered-update-schedule

Use the free NCR Status Checker to confirm your record is current once your status code's update window has passed.
👉️ https://ndrc.org.za/tools/status-checker/

The NCR DHS returns 30 March 2026 with a 5-week staggered update schedule. Check what your debt review status code means and when it will be updated.

18/02/2026

NCR Debt Help System Offline - What This Means for Debt Review in South Africa

The National Credit Regulator took the Debt Help System offline on 3 February 2026 as a precautionary measure due to reported misconfiguration issues.

The investigation is ongoing and no definitive technical findings have been made.

The issue appears operationally separate from the November 2025 cyber incident, subject to verification.

Debt review is not suspended. The National Credit Act remains fully in force.

Court orders and consumer protections remain valid and enforceable.

Debt Counsellors are not regarded as non-compliant only where compliance requires DHS functionality.

All DHS system functions are currently unavailable, creating a likely backlog once restored.

Consumers who apply for debt review remain restricted from applying for further credit.

The outage affects reporting systems, not legal protections.

Learn more here https://ndrc.org.za/blog/ncr-debt-help-system-offline-february-2026

11/02/2026

Your network is worth money & every day someone in your contacts is stressed about debt.

If you know people struggling with debt or want to be removed from debt review, refer them to The National Debt Review Center from your referral portal and earn R1,500 per qualifying case.

No selling.
No scripts.
Just connect people who need help.

NCR registered (NCRDC3106). Established since 2014.

Start here to register:
https://ndrc.org.za/refer-and-earn-south-africa

Help someone. Earn income. Build something.

R1,500 is paid once the case qualifies and professional fees are settled. You can track every referral and its progress through your secure referral portal.

11/02/2026

Your network is worth money & every day someone in your contacts is stressed about debt.

If you know people struggling with debt or want to be removed from debt review, refer them to The National Debt Review Center from your referral portal and earn R1,500 per qualifying case.

No selling.
No scripts.
Just connect people who need help.

NCR registered (NCRDC3106). Established since 2014.

Start here to register:
https://ndrc.org.za/refer-and-earn-south-africa

Help someone. Earn income. Build something.

R1,500 is paid once the case qualifies and professional fees are settled. You can track every referral and its progress through your secure referral portal.

Earn rewards by referring friends and family to our debt counselling services. Help others achieve financial freedom while earning.

08/02/2026

👇
https://ndrc.org.za/do-i-qualify-for-debt-review-removal

08/02/2026

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https://ndrc.org.za/free-assessment

08/02/2026