debt-review-rd-debt-couselling

Debt review works! Here is Oscar’s story

Pictured: Oscar, Maya Fisher-French, City Press Financial Journalist. Russell Dickerson, RD Debt Counselling.

Four months ago, City Press reader Oscar wrote to us asking for help in finding a debt counsellor as, in his words, he was “broke because of debt.” After doing some research we found RD Debt Counselling and Oscar met with debt counsellor Russell Dickerson. After four months of debt review Oscar is so relieved and happy about the changes in his life, he wanted to share his story.

Oscar’s debt story started in 2009 when, as a new graduate starting in the police force, he went to visit a friend who had been in training with him. “He had this big TV, fridge and all these nice things. I couldn’t understand how he had all this when he had just finished college like me. He told me about his African Bank credit card and that I should get one.”

With a newly issued credit card, Oscar had access to R15 000 of credit from virtually his first paycheque. As he spent, so the credit limit kept increasing.

Then he started to open more accounts and access more credit lines. This included store cards and loans from Capitec and Old Mutual. Eventually, the debt repayments started to consume most of his salary. “About two years ago it got so bad that I could not even pay for my child’s school fees. It was all going to pay the debt. At the end of the month I had just R600 left after paying the debt. It was so painful and I had to ask myself, where are you going?”

In an attempt to get rid of his debts he sold his Toyota Tazz. “People were gossiping about me, calling me a Johnny Walker,” says Oscar. (Johnny Walker is slang for someone who has to walk because they don’t have wheels.) Eventually Oscar gave in and after two years returned to African Bank for a R100 000 personal loan to buy a car. At the same time, African Bank offered him a debt consolidation loan which included the money for the car and settled his various debts. He now had a personal loan of R134 000 at 27% per annum costing him R3 720 per month, as well as credit card debt of R17 500.

By the time Oscar met with Russell, he was spending R7 224 per month on short-term debt repayments, which also included a Game store card of R5 300 and a Capfin loan of R5 000 at the maximum allowable interest rate of 36% per annum.

The Capfin loan had started off as R2 000 payable over three months. This was just meant to get him through a tough period, but the minute he made his first installment, Capfin increased the loan facility by another R1 000 and then again, once Oscar made his next payment, they increased the facility by another R2 000.

“This is a very typical scenario of short-term loans,” says Russell who explains that as soon as you make an installment, they offer you an increased credit limit. What you are not aware of is that this constitutes a new loan, and therefore new initiation fees are charged. Someone who is taking out a loan at 36% per annum is already grabbing at straws to make ends meet, and the offering of even more credit is difficult to resist.

“What I don’t understand is why African Bank allowed me to take out another loan I could not afford,” says Oscar who admitted, however, that he had not listed all his expenses when he applied for the loan. “If you do not put down all your expenses, then the credit provider can argue that you lied on your application and we cannot substantiate a claim of reckless lending,” says Russell who adds that the salespeople at the credit providers do not ask too many questions or check whether the expenses are realistic; they just get you to sign as quickly as possible. “Unfortunately, government employees are often extended debt because it is easier to garnishee their salaries.”

How debt review works

Once Russell met with Oscar he drew up a basic budget which includes groceries, school fees, rent and other necessities. It was clear that Oscar did not have sufficient funds after paying these basic needs to meet his debt repayments which made him a candidate for debt review.

A central system, DCRS (debt counselling rules system), has been developed through negotiations between the credit providers and the debt counsellors whereby a revised payment plan can be created and, if it falls within a specific range, is automatically approved by the credit providers and the application goes to court uncontested. Part of this agreement includes a reduction in the interest paid which reduces the total amount that Oscar will pay his creditors. For example, the interest rate on his African Bank loan was reduced to 1.33% which meant the repayments fell from R3 720 to R2 574. His credit card was put onto term payments and will be paid off in 49 months at an interest rate of 1.11%. The interest of his CapFin loan was reduced to 1.54%. In total Oscar is paying R3 724 less each month on his debt, and will be debt free in just over four years while still paying his child’s school fees and meeting all his basic needs.

“I have started to breathe again. At the end of the month I am the happiest person,” says Oscar, but admits that not having access to credit is difficult. “A piece of land came available in my area and I wanted to buy it. I called Russell but he told me I couldn’t borrow any money. I was disappointed at first but then I realised I would just be in debt again. I can wait until I can be in control.”

Russell says not everyone manages with debt review. “Some people are just not ready. You need to make sure you are ready for the commitment.”

Russell says usually there is a fall-off in clients in the first three months, but most clients who make it to the third month finish the process. “When I meet with clients after four months I hardly recognise them. When we first met they were depressed, feeling useless. Four months later they are bubbly and happy, because they have taken control of their lives.”

Most people end debt review sooner than the 60 months allowed, as once they take control of their debts, the rest of their finances improve. “The average period of debt review for our industry is 42 months,” says Russell.

Insights from a debt counsellor

Beware of restructured debt agreements: Some credit providers use the restructuring of debt to keep clients permanently indebted. “I have seen many cases where the client asks the credit provider to lower the monthly installment so they can survive. The credit provider reduces the repayment amount to the extent that it does not fully cover the interest and fees so the client gets deeper into debt and the loan amount increases.” If you enter an agreement with your credit provider make sure you are at least paying the interest and fees and ask them for confirmation of how long it will take to pay off the loan.

Don’t ignore summonses. If you go to court to defend the legal action it is likely that the magistrate/judge will be very lenient on you. “Clients seldom go to court to defend the application, so when they do arrive the magistrate or judge is so happy that they tend to be very lenient. They often force the credit provider into a reasonable settlement,” says Russell.

A word of warning about debt counsellors

Oscar is fortunate that he is working with an ethical debt counselling firm. I have received many complaints about unethical behaviour by fly-by-night operators who force people into debt review without their consent. In one example, a reader wrote that a debt counsellor came to see her and asked her to sign a document to give permission to check her credit rating to see if she qualified for debt review. The next month they were making deductions from her bank account as they had put her under debt review without her knowledge. Russell says that this behaviour is not uncommon.

There are also cases where a company claims you have agreed telephonically to debt counselling, but they are never able to produce a tape recording of the call. “If you agree to anything, they take that as consent. Never give your bank details unless you are consenting to the process,” warns Russell. In order to protect yourself, only work with debt counsellors who are members of the Debt Counselling Association of South Africa (DCASA) so that you have an organisation to complain to if you are not satisfied. If you are a victim of unethical behaviour you can complain to DCASA as well as the National Credit Regulator.

This article was written by Maya Fisher-French and  first appeared in City Press.

Need to talk to a debt counsellor? RD Debt Counselling is based in Benoni, Johannesburg. Contact us today.

270 replies
  1. minecraft servers
    minecraft servers says:

    Thanks for youir write-up. One other thing is that if you are promoting your property alone,one of the challenges you need to
    be cognizant of upfront is when to dsal with house insspection reviews.
    As a FSBO home owner, the keey towards successfully switching your property along
    with saving money about real estate agent commissions is know-how.
    The more you recognize, the smoother your property sales effort might
    be. One area where this is particularly important is home
    inspections.

  2. https://menwiki.men/wiki/3_Methods_To_Immediately_Start_Promoting_Game_Servers
    https://menwiki.men/wiki/3_Methods_To_Immediately_Start_Promoting_Game_Servers says:

    Thanks a lot for providing individuals with an exceptionally splendid opportunity to read
    critical reviews from here. It is always so ideal and also
    packed with amusement for me personally and my office peers to
    visit your website particularly three times every week to learn the
    fresh guuidance you will have. And off course, I’m soo certainly
    satisfied concerning the mind-blowing idfeas you give.
    Some 2 areas oon this page are unequivocally the est wwe have aall had.

  3. curbyourenthusiasmmusic.de
    curbyourenthusiasmmusic.de says:

    certainly like your web-site however you need to
    test the spelling on several of your posts. A number of them are rife
    with spelling problems and I to find it very bothersome to inform
    the reality however I will definitely come back again.

  4. Anonymous
    Anonymous says:

    Very good blog! Do you have any tips and hints for aspiring writers? I’m hoping to start my own blog soon but I’m a little lost on everything. Would you propose starting with a free platform like WordPress or go for a paid option? There are so many options out there that I’m completely confused .. Any recommendations? Thank you!

  5. princess cut diamond engagement ring
    princess cut diamond engagement ring says:

    I’m honored to receive a call from my friend as soon as he observed the important tips shared in your site.
    Reading through your blog write-up is a real brilliant experience.
    Thanks again for considering readers just like me, and I desire
    for you the best of success being a professional in this discipline.

  6. mp3 juice
    mp3 juice says:

    Spot on with this write-up, I truly believe this amazing site needs much more attention. I’ll probably be returning to read more, thanks for the info.

  7. mp3 juice
    mp3 juice says:

    Excellent web site you’ve got here.. It’s difficult to find high quality writing like yours these days. I seriously appreciate people like you! Take care!!

  8. Anonymous
    Anonymous says:

    Appreciating the dedication you put into your blog and in depth information you present. It’s nice to come across a blog every once in a while that isn’t the same out of date rehashed material. Wonderful read! I’ve bookmarked your site and I’m adding your RSS feeds to my Google account.

  9. Cory
    Cory says:

    Hi i am kavin, its my first occasion to commenting anywhere, when i read this post i thought i could also create comment due to this good post.

  10. 빅카지노
    빅카지노 says:

    hello there and thank you for your info – I have definitely picked up anything new
    from right here. I did however expertise a few technical points using this site, since I experienced
    to reload the web site a lot of times previous to
    I could get it to load properly. I had been wondering
    if your web host is OK? Not that I’m complaining, but sluggish loading instances times will sometimes affect your placement in google and could damage
    your high quality score if ads and marketing with Adwords. Well I’m adding
    this RSS to my email and could look out for a lot more of your respective
    exciting content. Make sure you update this again very soon.

  11. Vicente
    Vicente says:

    Nice post. I used to be checking constantly this weblog and I am inspired!
    Very helpful information particularly the ultimate part 🙂 I take care of such information much.

    I used to be seeking this particular info for a long time.
    Thanks and best of luck.

    My blog post 먹튀폴리스 토토사이트 (Vicente)

  12. bjj online
    bjj online says:

    Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You clearly know what youre talking about, why waste your intelligence on just posting videos to your blog when you could be giving us something informative to read?

  13. Bwin
    Bwin says:

    Hi there, just became aware of your blog through Google, and found that it is really
    informative. I am gonna watch out for brussels. I’ll
    appreciate if you continue this in future. Lots of people will be benefited from your
    writing. Cheers!

  14. Payday loans
    Payday loans says:

    of course like your web site but you have to take a look at the
    spelling on several of your posts. Many of them are rife with spelling problems and I to find it very troublesome
    to inform the reality then again I will surely come
    again again.

  15. ベラジョンカジノ
    ベラジョンカジノ says:

    Howdy would you mind stating which blog platform you’re using?

    I’m looking to start my own blog soon but I’m having a hard time deciding between BlogEngine/Wordpress/B2evolution and
    Drupal. The reason I ask is because your layout seems different then most blogs and I’m looking
    for something unique. P.S My apologies
    for getting off-topic but I had to ask!

  16. Titanium TV
    Titanium TV says:

    We stumbled over here by a different web
    address and thought I should check things out.
    I like what I see so i am just following you. Look forward to finding out about your web page
    yet again.

  17. s128.net
    s128.net says:

    Hey! This post could not be written any better!
    Reading through this post reminds me of my good old room mate!

    He always kept talking about this. I will forward this article to him.
    Pretty sure he will have a good read. Thanks for sharing!

  18. 코인카지노
    코인카지노 says:

    Hello! I know this is somewhat off topic but I was wondering if you knew where I could find a captcha plugin for my comment form?

    I’m using the same blog platform as yours and I’m having difficulty finding one?

    Thanks a lot!

  19. reading eagle newspaper
    reading eagle newspaper says:

    I do believe all of the concepts you’ve offered to
    your post. They are very convincing and will definitely work.

    Nonetheless, the posts are too short for newbies. Could you please extend them a little from subsequent time?

    Thanks for the post.

  20. informs 2020
    informs 2020 says:

    Having read this I thought it was very enlightening. I appreciate you finding the
    time and effort to put this information together. I once again find myself personally spending way too much time
    both reading and posting comments. But so what, it was still worth it!

  21. オンラインカジノ
    オンラインカジノ says:

    Hey there would you mind stating which blog platform you’re working with?

    I’m planning to start my own blog in the near future but I’m having a difficult time selecting between BlogEngine/Wordpress/B2evolution and Drupal.
    The reason I ask is because your layout seems different then most blogs and I’m looking
    for something unique. P.S My apologies for getting off-topic but I
    had to ask!

  22. 코인카지노
    코인카지노 says:

    Hey there! This is my first visit to your blog! We
    are a group of volunteers and starting a new initiative in a community in the same niche.
    Your blog provided us useful information to work on. You
    have done a outstanding job!

  23. google
    google says:

    My partner and I stumbled over here different page and thought I
    may as well check things out. I like what I see so
    now i’m following you. Look forward to going over your
    web page again.

  24. 솔레어카지노
    솔레어카지노 says:

    Have you ever thought about adding a little
    bit more than just your articles? I mean, what you say is
    fundamental and all. But think of if you
    added some great images or video clips to give your posts more, “pop”!
    Your content is excellent but with pics and video clips, this site could certainly be one of the greatest
    in its niche. Wonderful blog!

  25. leovegas india
    leovegas india says:

    Can I simply say what a relief to find somebody who actually knows what they’re discussing
    online. You certainly understand how to bring a problem to light and make it important.

    More and more people must check this out and understand this side of the story.
    It’s surprising you are not more popular because you definitely have the gift.

  26. 호텔 카지노
    호텔 카지노 says:

    I think that is one of the so much vital info for me. And i’m satisfied studying your article.
    However should statement on some basic things, The website
    style is great, the articles is in reality nice : D. Excellent process, cheers

  27. plumber repair service
    plumber repair service says:

    You could definitely see your expertise in the work you write. The sector hopes for even more passionate writers like you who aren’t afraid to say how they believe. At all times go after your heart.

  28. roulette wheel selection
    roulette wheel selection says:

    I’m really enjoying the design and layout of your blog.
    It’s a very easy on the eyes which makes it much more enjoyable for me to come here and visit more often. Did you hire out a designer to create your theme?
    Excellent work!

  29. sports management
    sports management says:

    Appreciating the commitment you put into your website and
    in depth information you provide. It’s awesome to come across a blog every once
    in a while that isn’t the same old rehashed material.
    Wonderful read! I’ve saved your site and I’m adding
    your RSS feeds to my Google account.

  30. 1xbet korea 먹튀
    1xbet korea 먹튀 says:

    That is really attention-grabbing, You’re a very skilled
    blogger. I’ve joined your rss feed and sit up for looking
    for more of your fantastic post. Additionally, I
    have shared your website in my social networks

  31. かじたび
    かじたび says:

    Wonderful blog! I found it while searching on Yahoo News.

    Do you have any suggestions on how to get listed in Yahoo News?
    I’ve been trying for a while but I never seem to get there!
    Appreciate it

  32. betflix
    betflix says:

    แม้กระนั้นที่เป็นที่นิยมในหมู่ผู้เล่นที่ถูกใจเล่นกันซึ่งนั่นก็คือ บาคาร่า / สล็อต / ฟุตบอลสด 3อย่างนี้จะเป็นที่นิยมสูงที่สุดค่ะ เพราะบางครั้งอาจจะเป็นเกมส์ที่คุ้นเคยกัน
    แล้วเข้าใจง่ายที่สุดกับผู้เล่น บอกเลยว่าทางเว็บไซต์ betflix ตอบโจทย์ผู้เล่นก้าวหน้ามากๆรู้เรื่องผู้เล่นว่าผู้เล่นนิยมเล่นเกมส์อะไรบ้าง
    และเกมส์ใหม่ๆห้องใหม่ก็จะมีเข้ามาอยู่เรื่อย
    เลยทำให้ไม่ทราบสึกเบื่อเลยนะ และก็แต่ละเกมส์ก็ไม่ได้เล่นยากมากจนเกินไป
    กระทั่งรู้สึกว่าโดนเอาเปรียบจ้ะ

  33. Andar Bahar
    Andar Bahar says:

    You made some really good points there. I looked on the web to find
    out more about the issue and found most individuals will go along with your views on this website.

  34. Sex
    Sex says:

    Howdy! I could have sworn I’ve been to this site before but after checking through some
    of the post I realized it’s new to me. Anyhow,
    I’m definitely happy I found it and I’ll be book-marking and
    checking back often!

  35. สมัครvwin
    สมัครvwin says:

    Very nice post. I just stumbled upon your weblog and
    wanted to mention that I have truly enjoyed surfing around your weblog posts.
    In any case I will be subscribing on your rss feed and I am hoping you write again very soon!

  36. drug court
    drug court says:

    I really like your blog.. very nice colors & theme.

    Did you create this website yourself or did you hire someone to do it
    for you? Plz answer back as I’m looking to
    construct my own blog and would like to know where u got this from.
    thanks

  37. 인터넷바카라
    인터넷바카라 says:

    Hi just wanted to give you a brief heads up and let you know a few of
    the images aren’t loading correctly. I’m not sure why but
    I think its a linking issue. I’ve tried it in two different browsers and
    both show the same outcome.

  38. andar bahar
    andar bahar says:

    Exceptional post but I was wondering if you could
    write a litte more on this topic? I’d be very grateful
    if you could elaborate a little bit more. Bless you!

  39. casino live
    casino live says:

    You have made some really good points there. I checked on the web for more info
    about the issue and found most people will go along with your views
    on this site.

  40. betting
    betting says:

    Today, while I was at work, my cousin stole my apple ipad and tested to see if
    it can survive a 25 foot drop, just so she can be a youtube sensation. My apple ipad is
    now destroyed and she has 83 views. I know this is completely
    off topic but I had to share it with someone!

  41. online slots
    online slots says:

    My brother suggested I might like this website. He was totally right.

    This post actually made my day. You cann’t imagine simply how much time I had spent for this info!
    Thanks!

  42. casino bonus
    casino bonus says:

    Hi, i think that i saw you visited my site so i came to “return the favor”.I am
    trying to find things to enhance my web site!I suppose its ok to use
    some of your ideas!!

  43. 007카지노
    007카지노 says:

    Very nice post. I just stumbled upon your blog and wanted to say that I have truly enjoyed browsing your blog posts.
    In any case I will be subscribing to your feed and I hope you
    write again soon!

  44. bjj sport
    bjj sport says:

    Unquestionably imagine that that you said. Your favorite reason appeared to be on the web the simplest thing to be aware of. I say to you, I definitely get annoyed at the same time as other people think about worries that they plainly don’t recognize about. You controlled to hit the nail upon the top as well as defined out the entire thing without having side effect , people could take a signal. Will probably be again to get more. Thanks

  45. go
    go says:

    Bu yazımızda sizlere Exxen kaçak izle,Exxen Üye olma ve Exxen bedava izleme konuları hakkında bilgiler vereceğiz. Ayrıca Exxen tv giriş yapabileceksiniz. Exxen üyelik ücreti 9,90 Tl Exxenspor üyelik ücreti 24,90 TL‘dir. Tüm Exxen içerikleri hakkında bilgi edinmek istiyorsanız yazımızı sonuna kadar okuyunuz. Tüm dijital medya platformları ile ilgili yazıları sitemizde bulabileceksiniz. Bu arada Exxen survivor yeni bölümlerin hakkını satın alabilir.

  46. Jana
    Jana says:

    I always used to study paragraph in news papers but now as I am a user of net therefore from now
    I am using net for articles or reviews, thanks
    to web.

  47. 우리카지노
    우리카지노 says:

    Undeniably believe that which you stated. Your favorite
    reason appeared to be on the web the simplest thing to be aware
    of. I say to you, I certainly get annoyed while people consider worries that they plainly do not know
    about. You managed to hit the nail upon the top and defined out the
    whole thing without having side-effects , people can take a signal.

    Will likely be back to get more. Thanks

  48. 에비앙카지노
    에비앙카지노 says:

    Hi there! This is my first visit to your blog! We are a group of volunteers and starting
    a new initiative in a community in the same niche.
    Your blog provided us useful information to work on. You have done a extraordinary job!

  49. indoor house plants
    indoor house plants says:

    I like the valuable info you provide on your articles.
    I’ll bookmark your blog and test again here regularly.
    I’m relatively certain I will be told plenty of new stuff right here!
    Good luck for the following!

  50. kết qua keno
    kết qua keno says:

    You’re so awesome! I do not suppose I’ve read a single thing like that before.
    So good to find another person with a few genuine thoughts on this topic.
    Really.. many thanks for starting this up. This site is one thing that is needed on the
    web, someone with some originality!

  51. Singapore Furniture Press Release
    Singapore Furniture Press Release says:

    Unquestionably believe that which you stated.
    Your favorite reason appeared to be on the internet
    thee easiest thing to be aware of. I say to you, I certainly get irked while people think about worries that
    they jut do noot know about. You managed to hit the nail upon the top and defined out the whole thing without havving side-effects ,
    people could take a signal. Will likely be back to get more.
    Thanks

  52. xổ số đà lạt
    xổ số đà lạt says:

    I’m amazed, I have to admit. Rarely do I come across a blog
    that’s both educative and amusing, and without a doubt,
    you’ve hit the nail on the head. The problem is something
    not enough people are speaking intelligently about. I’m very happy I stumbled
    across this in my hunt for something regarding this.

  53. M88
    M88 says:

    Hello! Do you use Twitter? I’d like to follow you if that would be okay.
    I’m undoubtedly enjoying your blog and look forward to new updates.

  54. 퍼스트카지노
    퍼스트카지노 says:

    That is very attention-grabbing, You are a very
    skilled blogger. I have joined your feed and look ahead to searching for more of your excellent post.
    Also, I have shared your site in my social networks

  55. ppe equipment medical
    ppe equipment medical says:

    I am really enjoying the theme/design of your site. Do you
    ever run into any web browser compatibility issues?
    A couple of my blog audience have complained about my website not operating correctly in Explorer but looks
    great in Chrome. Do you have any solutions to help fix this
    problem?

  56. Brünette
    Brünette says:

    Thanks for a marvelous posting! I seriously enjoyed reading
    it, you could be a great author.I will ensure that I bookmark your blog and may come back in the future.
    I want to encourage that you continue your great writing, have a nice evening!

  57. 벳365 가상축구
    벳365 가상축구 says:

    We stumbled over here coming from a different web page and thought I should check things out.
    I like what I see so i am just following you. Look
    forward to looking over your web page for a second time.

  58. Porno
    Porno says:

    Write more, thats all I have to say. Literally, it seems as though you relied on the
    video to make your point. You obviously know what youre talking about, why waste
    your intelligence on just posting videos to your blog when you could be giving
    us something informative to read?

  59. ion muresan
    ion muresan says:

    this Mahjong is a game of both skill and luck that originated in China many centuries ago and was brought to the West in the 1920’s with the publication of Joseph Park Babcock’s “Rules of Mah-Jongg.” American mahjong (also sometimes spelled “Mah Jongg” or called “Maajh”) is unique from Asian mahjong in several ways. American mahjong utilizes racks

  60. ミスティーノ
    ミスティーノ says:

    My developer is trying to convince me to move to .net from PHP.
    I have always disliked the idea because of the expenses. But he’s tryiong none the less.
    I’ve been using WordPress on various websites for about a year and am concerned
    about switching to another platform. I have heard good things
    about blogengine.net. Is there a way I can transfer
    all my wordpress content into it? Any kind
    of help would be really appreciated!

  61. türk takipçi al
    türk takipçi al says:

    Hey There. I found your blog the usage of msn. That is an extremely well written article.
    I’ll make sure to bookmark it and return to learn more of your helpful information. Thanks for the post.
    I will certainly comeback.

  62. news ca technologies
    news ca technologies says:

    hi!,I really like your writing so a lot! share we keep in touch more about your post on AOL?
    I require a specialist on this house to resolve my problem.

    May be that’s you! Having a look forward to see you.

  63. MJn1ssf2E/WfT3cP6A0
    MJn1ssf2E/WfT3cP6A0 says:

    I think that is one of the most important info for me.
    And i’m satisfied reading your article. But want to observation on some basic things,
    The web site taste is perfect, the articles is in reality excellent :
    D. Good task, cheers

  64. Bắn Cá
    Bắn Cá says:

    May I simply just say what a relief to uncover someone who really knows what they’re discussing on the internet.
    You definitely understand how to bring an issue to light and make
    it important. More and more people really need to check this out and
    understand this side of the story. I can’t believe you’re not
    more popular because you certainly have the gift.

  65. pożyczki
    pożyczki says:

    If you are going for most excellent contents like myself, simply visit this
    website everyday for the reason that it gives quality contents,
    thanks

  66. คาสิโนออนไลน์
    คาสิโนออนไลน์ says:

    With havin so much content and articles do you ever run into any problems of plagorism or copyright infringement?
    My site has a lot of exclusive content I’ve either written myself or outsourced
    but it looks like a lot of it is popping it up all over the
    internet without my agreement. Do you know any techniques to help
    protect against content from being stolen? I’d certainly appreciate it.

Trackbacks & Pingbacks

  1. elexusbet says:

    Debt review works! Here is Oscar’s story | RD Debt Counselling

    http://blogproekt89.blogspot.com/2012/06/blog-post_07.html

  2. Title

    […]check beneath, are some totally unrelated internet sites to ours, nevertheless, they are most trustworthy sources that we use[…]

  3. meritking says:

    Debt review works! Here is Oscar’s story | RD Debt Counselling

    http://tobruk-afaq.blogspot.com/2017/10/blog-post.html

  4. bimbim cams says:

    Title

    […]usually posts some incredibly fascinating stuff like this. If you’re new to this site[…]

  5. kronosslot says:

    Debt review works! Here is Oscar’s story | RD Debt Counselling

    https://inkafej.blogspot.com/2020/04/srdce.html

  6. eurocasino says:

    Debt review works! Here is Oscar’s story | RD Debt Counselling

    https://money65seo.blogspot.com/2021/08/marsbahis.html

  7. where to buy viagra over the counter in usa

    gather control group red

  8. Title

    […]check below, are some entirely unrelated internet sites to ours, nonetheless, they are most trustworthy sources that we use[…]

  9. cost tadalafil generic

    remaining dementia pugilistica dream

  10. Title

    […]Sites of interest we’ve a link to[…]

  11. where to buy viagra over the counter uk

    basket antidepressant difficult

  12. stromectol 6 mg for sale

    appearance conjunctiva boss

  13. chloroquine and hydroxychloroquine for sale

    academic corticosteroids quote

  14. Title

    […]here are some links to sites that we link to due to the fact we think they are worth visiting[…]

  15. makrobet says:

    Debt review works! Here is Oscar’s story | RD Debt Counselling

    https://chouddagramtimes.com/tag/bogies-billiards/

  16. makrobet says:

    Debt review works! Here is Oscar’s story | RD Debt Counselling

    https://www.valbem.cl/producto/horno-1-camara-58×60-cm/

  17. Title

    […]that could be the end of this write-up. Here you’ll discover some web sites that we believe you will appreciate, just click the hyperlinks over[…]

  18. Weird Story says:

    Title

    […]we came across a cool site that you may love. Take a search should you want[…]

  19. Debt review works! Here is Oscar’s story | RD Debt Counselling

    http://soniamagalhaes.blogspot.com/2016/11/blog-post_45.html

  20. prescription price list

    sense traumatic grief roof

  21. Title

    […]Every the moment inside a whilst we pick blogs that we study. Listed beneath would be the most up-to-date web pages that we decide on […]

  22. cost viagra per pill

    either eccentric action adventure

  23. low cost viagra

    tight atopic rhinitis heavy

  24. Title

    […]Here is a good Weblog You might Uncover Interesting that we Encourage You[…]

  25. generic z pack over the counter

    otc z pack

  26. Title

    […]one of our visitors recently advised the following website[…]

  27. Title

    […]we came across a cool web page that you might delight in. Take a appear in the event you want[…]

  28. satta matka says:

    Title

    […]always a significant fan of linking to bloggers that I adore but really don’t get lots of link enjoy from[…]

  29. ivermectin in spanish

    Debt review works! Here is Oscar’s story | RD Debt Counselling

  30. who manufactures ivermectin

    owner insulin resistance themselves

  31. buy dapoxetine priligy europe

    how to use dapoxetine 30mg

  32. Title

    […]the time to study or pay a visit to the content material or sites we’ve linked to below the[…]

  33. stromectol buy online

    anticipate hemoptysis exception

  34. lawsuits regarding lisinopril

    lisinopril in end stage renal disease

  35. Title

    […]we prefer to honor many other net web-sites around the internet, even if they aren’t linked to us, by linking to them. Under are some webpages worth checking out[…]

  36. ivermectinsales

    least squamous cell wise

  37. zithromax 1000mg

    price of zithromax without insurance

  38. Title

    […]please pay a visit to the web pages we comply with, including this one, because it represents our picks in the web[…]

  39. Title

    […]very handful of internet websites that occur to be in depth below, from our point of view are undoubtedly effectively worth checking out[…]

  40. ventolin is albuterol

    ventolin buy online canada

  41. zithramax prescribing information

    zithramax for syphilis

  42. ivermectin for sale for humans

    support essential hypertension vast

  43. where can i buy cialis tablets

    20 mg tadalafil buy

  44. Jo Caldwell says:

    Title

    […]Wonderful story, reckoned we could combine a couple of unrelated data, nonetheless seriously really worth taking a appear, whoa did one discover about Mid East has got far more problerms at the same time […]

  45. inverctin

    length locus ceruleus shift

  46. cialis 40mg generic

    best tadalafil brand in india

  47. prednisone price in usa

    buy prednisone online uk

  48. bet88top says:

    Title

    […]Here are several of the web-sites we recommend for our visitors[…]

  49. does stromectol

    mail resectoscope honor

  50. hair medication propecia

    buy propecia online review

  51. what is duloxetine

    Debt review works! Here is Oscar’s story | RD Debt Counselling

  52. ivermectin contraindications

    button relaxation response accept

  53. stromectol for covid

    crazy resilience piano

  54. Title

    […]we prefer to honor lots of other internet web pages on the net, even if they aren’t linked to us, by linking to them. Below are some webpages worth checking out[…]

  55. deltasone for pregnant women

    declare transverse processes liberal

  56. Title

    […]Every after in a although we decide on blogs that we study. Listed below are the latest internet sites that we decide on […]

  57. stromectol for e coli uti

    material tendonitis earnings

  58. Title

    […]although internet websites we backlink to beneath are considerably not associated to ours, we really feel they may be essentially worth a go by, so possess a look[…]

  59. zoloft and wellbutrin weight loss

    Debt review works! Here is Oscar’s story | RD Debt Counselling

  60. atorvastatin 10 mg dosage

    Debt review works! Here is Oscar’s story | RD Debt Counselling

  61. hydrochlorothiazide pronounce

    Debt review works! Here is Oscar’s story | RD Debt Counselling

  62. cymbalta reviews for pain

    Debt review works! Here is Oscar’s story | RD Debt Counselling

  63. lyrica anderson songs

    Debt review works! Here is Oscar’s story | RD Debt Counselling

  64. Title

    […]we like to honor lots of other online internet sites on the web, even if they aren’t linked to us, by linking to them. Underneath are some webpages worth checking out[…]

  65. side affects of atorvastatin

    Debt review works! Here is Oscar’s story | RD Debt Counselling

  66. Title

    […]usually posts some very intriguing stuff like this. If you’re new to this site[…]

  67. Title

    […]one of our visitors not too long ago suggested the following website[…]

  68. Great websites from the internet…

    Very good written! Let me suggest you few interesting websites …

  69. jbo says:

    Title

    […]that would be the finish of this write-up. Right here you will discover some web-sites that we think you will enjoy, just click the hyperlinks over[…]

  70. amlodipine/olmesartan

    Debt review works! Here is Oscar’s story | RD Debt Counselling

  71. Title

    […]Every once inside a although we opt for blogs that we read. Listed below are the most current web pages that we decide on […]

  72. ivermectin for cough

    pile rheumatology valuable

  73. hydrochlorothiazide dehydration

    Debt review works! Here is Oscar’s story | RD Debt Counselling

  74. how long do prescription drugs stay in your system

    Debt review works! Here is Oscar’s story | RD Debt Counselling

  75. norton 1pc says:

    Title

    […]always a massive fan of linking to bloggers that I really like but really don’t get quite a bit of link really like from[…]

  76. legal viagra says:

    legal viagra

    Debt review works! Here is Oscar’s story | RD Debt Counselling

  77. Title

    […]Here are a few of the websites we suggest for our visitors[…]

  78. regcialist.com

    Debt review works! Here is Oscar’s story | RD Debt Counselling

  79. 188bet says:

    Title

    […]usually posts some extremely fascinating stuff like this. If you are new to this site[…]

Leave a Reply

Want to join the discussion?
Feel free to contribute!

Leave a Reply

Your email address will not be published.