Terms and conditions

Clearview Debt Counselling is a debt counselling practice registered with the National Credit Regulator (registration number NCRDC0000, demo) under the National Credit Act 34 of 2005. Our head office is in Durban, KwaZulu-Natal.

The information on this website is general. It is not financial or legal advice for your situation. Only a registered debt counsellor who has assessed your budget can tell you whether debt review is right for you.

The relief estimator shows an illustration, not a quote or a promise. Your real instalment depends on your income, your expenses and what your credit providers agree to.

Sandy is an artificial-intelligence assistant. She is not a debt counsellor and does not give advice or decide whether you qualify. She explains how debt review works in general terms and books a call-back with a registered counsellor.

Conversations with Sandy are transcribed so your counsellor doesn't have to ask you everything again. Sandy will never ask for your ID number, bank details, passwords or PINs — please don't share them.

Debt review is a process set out in sections 86 and 87 of the National Credit Act. In short:

• You apply (Form 16) and we assess whether you are over-indebted.
• We notify your credit providers and the credit bureaus (Form 17.1).
• We negotiate a restructured repayment plan and, where needed, ask a court or tribunal to make it an order.
• You make one monthly payment to a registered Payment Distribution Agency, which pays your credit providers.
• When the debts in the plan are paid, we issue a clearance certificate (Form 19) and the debt review flag is removed.

While under debt review you may not take on new credit. If you miss payments, your credit providers may be able to end the process and take legal action — so always talk to us first.

Our fees follow the National Credit Regulator's fee guidelines for debt counsellors, which set maximums for the application fee, the restructuring fee and monthly after-care fees. Legal fees for the court order are separate and also capped.

Your counsellor shows you every fee in writing before you sign anything. Talking to us, or to Sandy, costs nothing.

• Give us complete and honest information about your income, expenses and debts.
• Pay your monthly instalment on time, every month.
• Tell us straight away if your income or circumstances change.
• Don't apply for new credit while under debt review.

You may withdraw from debt review before a court or tribunal order is made, subject to the National Credit Act. After an order, ending the process requires a legal application. Ask us to explain your options at any time.

Stories and videos you share with us are published only with your permission and in the name style you choose. We review every story before it appears, and we remove it if you ask. We never publish amounts, account numbers or the names of your credit providers.

Tell us first — we want to put it right. If you are not satisfied, you may complain to the National Credit Regulator (0860 627 627, ncr.org.za) or the National Consumer Tribunal.

These terms are governed by the laws of the Republic of South Africa, including the National Credit Act, the Consumer Protection Act and the Protection of Personal Information Act.