How to fix a bad debt review
No matter what happens, no matter who says what, the only way to fix a bed debt review is to pay every month – even pay your creditors directly. This is your best defense!!
Having problems with your debt review, getting calls from creditors to say your debt review hasn’t been paid, can’t get hold of your debt counsellor?
These are real situations and you need to fix them, otherwise you can be stuck in debt review for much longer than planned in the original proposal.
READ MORE: How to know if your debt counsellor is a registered debt counsellor
Mistakes happen. Last week, I saw a case where there should have been one charge in the first month, but whoever loaded the info made the charge every month, so this person got charged an initiation fee of about R950 every month, and it was left for 2 years, so the problem was about R16 000 big when it was discovered.
Check your statements. That is rule number one, get one every month and check that everyone got paid the right amount.
Some people, who have paid their debt review every month, suddenly get a call to say that the bank hasn’t received money this month. It happens, banks work in straight lines, so if there are 2 payments in one month and nothing the month after, then their system says no payment this month and then they will phone you. There can be other reasons too. Don’t overreact and assume all your money has been stolen.
If you follow a fairly quick process you can find out what the real story is.
First…
Contact your debt counsellor –We get these fairly often, and we print out the payment statement and mail it to the person, to prove that there is a mistake.
Contact your PDA – Your Payment Distribution Agency, contact them with your details and they will tell you who they paid and will be able to send you a statement.
Contact your creditors – Phone the bank and ask them when last they received payment, and the amounts paid. Some accounts you can log into and look at your payments profile.
Second…
If none of the above worked, or you still have unanswered questions or you suspect something.
Inform your Debt Counsellor in writing and keep a copy – if the problem is your Debt Counsellor then use the mail address on their documents.
Give them a reasonable time to reply, if still nothing – consider approaching another Debt Counsellor (The law allows you to transfer) and;
Contact the National Credit Regulator – if you find something illegal or are unhappy with the conduct of your Debt Counsellor or your Credit Provider. The NCR has a complaints department, go to their website and get the forms for an official complaint. Sometimes if you phone you could have success, but a serious complaint will involve lots of forms and scanning proof etc. But it is very important to resolve, as this will affect your financial future.
And no matter what happens, pay every month.
If you are still struggling with your finances, and you can’t keep your head above water, contact RD Debt Counselling for a FREE debt review.
Can I simply say what a comfort to find someone that truly understands what they are discussing over the internet. You certainly know how to bring a problem to light and make it important. More and more people must read this and understand this side of the story. I was surprised that you are not more popular because you definitely possess the gift.|
Very great post. I simply stumbled upon your weblog and wished to say that I’ve truly enjoyed browsing your weblog posts. After all I’ll be subscribing on your rss feed and I’m hoping you write again soon!|
Do you have any video of that? I’d want to find out some additional information.|
Hi there, I enjoy reading through your article post. I wanted to write a little comment to support you.|
It’s really very complex in this active life to listen news on TV, thus I only use world wide web for that reason, and obtain the latest information.|
Greetings! I know this is kinda off topic but I was wondering which blog platform are you using
for this website? I’m getting sick and tired of WordPress because I’ve had issues with hackers and I’m looking at options for another platform.
I would be great if you could point me in the direction of a
good platform.
MKG HABER Gündem haberlerini web sitemizden takip edebilirsiniz
Greetings! Very helpful advice within this post! It is the little changes which will make the greatest changes. Thanks a lot for sharing!|
I could not refrain from commenting. Very well written!
You ought to take part in a contest for one of the most useful blogs on the web. I will recommend this web site!
|Schluesseldienst Seeheim / Starnberger See (82541) – 24/7 Tueroeffnung – Schluesseldienst Muenchen [Url=https://schluesseldienst-service24h.de/seeheim-starnberger-see-82541/]Schluesseldienst Seeheim / Starnberger See (82541) – Tueroeffnung Schluesselnotdienst[/url] Schluesseldienst Seeheim / Starnberger See (82541) – Tueroeffnung Schluesselnotdienst Ausgesperrt? Schluesseldienst service 24/7 Seeheim / Starnberger See hilft schnell & zuverlassig bei Tueroeffnungen: 0157 9246 5509 ✓ Wir kommen sofort! Ihr Spezialist fuer Schluesselnotdienst in 82541 Seeheim / Starnberger See.
obviously like your web site but you have to test the spelling on quite a few of your posts. A number of them are rife with spelling problems and I to find it very bothersome to tell the truth however I’ll definitely come back again.|
certainly like your website however you need to take a look at the spelling on several of your posts. A number of them are rife with spelling issues and I in finding it very bothersome to tell the truth on the other hand I’ll surely come again again.|
Hey there! Do you use Twitter? I’d like to follow you if that would be okay. I’m absolutely enjoying your blog and look forward to new updates.|
Great beat ! I wish to apprentice while you amend your website, how could i subscribe for a blog website? The account aided me a acceptable deal. I had been a little bit acquainted of this your broadcast provided bright clear idea|
nice post!
Hello there, simply turned into alert to your weblog through Google, and located that it is truly informative. I am gonna watch out for brussels. I will be grateful if you proceed this in future. A lot of folks will be benefited from your writing. Cheers!|
Hello there, just became alert to your blog through Google, and found that it’s truly informative. I am gonna watch out for brussels. I will be grateful in the event you continue this in future. Numerous other people can be benefited from your writing. Cheers!|
I know this if off topic but I’m looking into starting my own blog and was wondering what all is required to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web smart so I’m not 100 certain. Any suggestions or advice would be greatly appreciated. Kudos|
Thanks for finally talking about > blog_title < Loved it!|
Together with almost everything that appears to be developing inside this area, many of your viewpoints happen to be somewhat refreshing. Nonetheless, I am sorry, because I do not give credence to your whole idea, all be it exciting none the less. It would seem to us that your comments are actually not entirely justified and in reality you are generally yourself not really fully confident of your point. In any event I did take pleasure in examining it.
Woah! I’m really enjoying the template/theme of this site. It’s simple, yet effective. A lot of times it’s hard to get that “perfect balance” between usability and visual appeal. I must say you have done a awesome job with this. In addition, the blog loads very quick for me on Opera. Excellent Blog!
I needed to compose you this little bit of note just to give thanks once again with the splendid basics you have shown in this article. This is certainly surprisingly open-handed of people like you giving publicly exactly what a few people might have offered for sale for an e-book to generate some profit for themselves, even more so considering that you could have done it if you ever wanted. These concepts also served to become good way to understand that someone else have the same dream the same as my personal own to learn a little more in terms of this issue. Certainly there are a lot more fun situations ahead for individuals who scan your blog post.
Finding the Right Immigration Solicitor… […]below you’ll find the link to some sites that we think you should visit[…]…free trial
Locksmith, highly recommend Locksmith Kensington Olympia W14
I’m really impressed with your writing skills as well as with the layout on your blog. Is this a paid theme or did you customize it yourself? Anyway keep up the excellent quality writing, it is rare to see a nice blog like this one today.|
Its like you learn my mind! You seem to understand a lot approximately this, like you wrote the book in it or something. I feel that you can do with a few p.c. to pressure the message house a bit, but other than that, this is great blog. A great read. I will certainly be back.
Its like you read my mind! You appear to grasp a lot approximately this, like you wrote the e book in it or something. I feel that you simply could do with a few to force the message house a little bit, but instead of that, this is fantastic blog. A fantastic read. I’ll definitely be back.
Its like you learn my mind! You seem to grasp so much approximately this, like you wrote the ebook in it or something. I think that you simply can do with a few p.c. to drive the message house a little bit, however instead of that, this is great blog. A fantastic read. I will definitely be back.
obviously like your website however you need to check the spelling on quite a few of your posts. Many of them are rife with spelling problems and I in finding it very troublesome to tell the reality on the other hand I will certainly come back again.
Woah! I’m really enjoying the template/theme of this website. It’s simple, yet effective. A lot of times it’s very hard to get that “perfect balance” between user friendliness and visual appeal. I must say you’ve done a very good job with this. Also, the blog loads extremely quick for me on Chrome. Outstanding Blog!
Very quickly this web site will be famous among all blog viewers, due to it’s nice articles or reviews|
Hi I want to share a story How I was locked in my apartment and I realized that I had to contact a special company london city
I’m truly enjoying the design and layout of your site. 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 developer to create your theme? Great work!|
I must say, as a lot as I enjoyed reading what you had to say, I couldnt help but lose interest after a while. Its as if you had a wonderful grasp on the subject matter, but you forgot to include your readers. Perhaps you should think about this from far more than one angle. Or maybe you shouldnt generalise so considerably. Its better if you think about what others may have to say instead of just going for a gut reaction to the subject. Think about adjusting your own believed process and giving others who may read this the benefit of the doubt.best cancer hospital in india
This design is wicked! You most certainly know how to keep a reader amused. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Great job. I really loved what you had to say, and more than that, how you presented it. Too cool!|
Hey. Cool article. There’s a problem with your site in chrome, and you may want to check this… The browser is the market leader and a huge component of other people will omit your wonderful writing because of this problem.like this
WOW just what I was searching for. Came here by searching for keyword|
Quality articles is the important to invite the people to pay a visit the website, that’s what this web page is providing.|
Hello super schöner Webblog den ihr da habt. Bin gerade über die Google Suche darüber gestolpert. Gefällt mir echt super gut. macht weiter so. MFG Martinaslot deposit dana
Es ist als getrocknete Pilze, Pulver, Kapseln, Tee und auch als Tonikum erhältlich.
Champignons mit höchster Bio-Qualität und Herkunftszertifizierung
Simply wanna comment on few general things, The website style is perfect, the written content is very wonderful : D.
Hello, i read your blog from time to time and i own a similar one and i was just curious if you get a lot of spam responses? If so how do you reduce it, any plugin or anything you can advise? I get so much lately it’s driving me insane so any help is very much appreciated.
Do you mind if I quote a couple of your posts as long as I provide credit and sources back to your webpage? My blog site is in the exact same area of interest as yours and my visitors would truly benefit from some of the information you provide here. Please let me know if this ok with you. Cheers!|
Many helpful information.Thanks. Can’t wait for new posts! I invite you to check out my website.
“Hands and Rules” score cards and has several distinct gameplay mechanics. Although an American mahjong set can be used to play Chinese Mahjong
I do agree with all of the ideas you have presented in your post. They’re really convincing and will certainly work. Still, the posts are very short for novices. Could you please extend them a bit from next time? Thanks for the post.
Very great post. I just stumbled upon your weblog and wished to mention that I have truly loved browsing your weblog posts.
In any case I will be subscribing to your rss feed and
I hope you write again very soon!
Buy MallorcaNFT now and be the owner of the unique work: an exclusive digital art collection of Palma de Mallorca. Hurry now before it’s too late and prices skyrocket: https://opensea.io/collection/mallorcanft
Definitely imagine that that you said. Your favorite reason appeared to be on the internet the easiest factor to have in mind of.
Buy MallorcaNFT now and be the owner of the unique work: an exclusive digital art collection of Palma de Mallorca. Hurry now before it’s too late and prices skyrocket: https://opensea.io/collection/mallorcanft