Frequently Asked Questions

Firstly, this is a more Cost effective option for Consumers. Secondly, NO payments are made to 3rd Parties such as Attorneys / Debt Counsellors / Mediation – you will have your OWN Distribution Account linked to your Bank Profile. As such our DIY Plans work best for Consumers who are afraid of being SCAMMED or who may otherwise be worried that they may be tricked into Debt Review.

There is NO fixed period — it is NOT Debt Review. In fact, if you opt for one of our DIY plans you are completely on your own Accordingly, you may EXIT any time you like. However, if you have a special GOAL (e.g. want to buy a CAR), we can give you an estimate of the time it will require to qualify.

We DON`T ask for a DEPOSIT. We DON`T ask UPFRONT Fees. ALL Fees are included in your Score Fix Instalment — so you never have to worry about how you are going to pay our fees. The fees depend on the PRODUCT you choose. The amounts are disclosed under the SERVICES section on our website.

Normally from the 2nd month. Why? Because we first have to investigate ALL your Accounts for compliance with the NCA (Credit Act) — e.g. interest, prescription, reckless lending, etc. This process normally takes 3 to 6 weeks as some Creditors are slow in their replies. The 1st instalment is therefore normally used towards costs or a part thereof – remember you DON`T pay any upfront fees or deposit.

It is NOT Debt Review — so we DON`T include your spouse. However, your spouse is welcome to join the program any time. Many couples choose different PRODUCTS. For instance, the husband may opt for the SCORE FIX PLAN while his spouse may choose one of our DIY Plans – depending on the status of their Credit Profiles.

We DON`T include CAR + HOME Loans. Why not? Because we want you to pay 100% of your car or home loan instalments. Plus — it is VERY GOOD for your credit score. Don`t worry — we will make sure you have enough money to pay these instalments every month.

YES, you may as long as you are able to pay the Instalments every month. In fact, it is VERY GOOD for your credit score.

Yes you may — as long as you are able to AFFORD the instalments every month.

There is NO catch. We will NOT trick you into Debt Review. It is NOT a SCAM - we DON`T collect money from customers. IF you are still doubtfull, you may opt for one of our DIY Plans.

All our service providers are duly registered with the relevant governing bodies. You will receive a copy of the Fidelity Fund Certificate of the attorneys. You therefore have the protection of the Attorney Fidelity Fund to ensure your money is handled in accordance with your mandate. Plus all our service providers have SARS clearance. IF you still have concerns, you may opt for one of our DIY Plans.