The Swift Debt Review Dispute System
Your direct digital and trackable link to NCR Debt Review Dispute Department
In terms of Section 136 (Regulation 50) of the National Credit Act.
🔹 Automated Efficiency 🔹Accountability 🔹Fairness 🔹Transparency & Protection
⚠️ This platform is not owned by the NCR.
🛡️ Built in support of the National Credit Act’s mandate to protect consumers.
A proposal for a Digital Dispute System has been presented for testing and consideration for adaption by the National Credit Regulator (NCR) and shared for review with the National Consumer Tribunal (NCT) on 8 May 2025
The Swift Digital Debt Review Dispute System - SDDRDS
This is not just a dispute platform, it is an automated system that gets results
Designed and operated by NCR trained and certified team dedicated to addressing unlawful debt review listings and the transgression of the National Credit Act in accordance with Section 136 (Regulation 50) of the National Credit Act.
The Swift Debt Review Dispute System ensures that:
🔹Every Debt Review Dispute is digitally captured, indexed and trackable
🔹Every Debt Review Dispute is Investigated and Resolved
🔹 Every Investigation is conducted with the Urgency it deserves.
🔹 Guaranteed removal of unlawful, expired, abandoned debt review flags
✅ The Swift Debt Review Dispute System
Section 86 of the NCA:
Debt Counselling is a voluntary and consensual process which results in the Tribunal or a Magistrate Court re-arranging the consumer’s debt.
This means all debt review applications must be concluded with a court order enforcement of the restructured debt repayment arrangement between the consumer and his/her credit provider(s). The filing of the matter to court is compulsory.
Section 136 of the NCA
Any person — including consumers — has the right to lodge a complaint with the National Credit Regulator (NCR) if they believe their rights have been violated or that there has been non-compliance with any part of the Act, especially Section 86, which governs the debt review process. The NCR is legally obligated to assess, investigate, and resolve such disputes.
What is the Swift Debt Review Dispute System (SDRDS):
The Swift Debt Review Dispute System is a unique, fully online platform that enables consumers to submit debt review disputes directly and efficiently. Each dispute is automatically routed to the NCR’s Debt Review Dispute Department for investigation and resolution.
The SDRDS system ensures that:
🔹every dispute is instantly allocated a tracking reference number,
🔹the concerned debt counsellors is notified to resolve and
🔹 the dispute is automatically logged with the NCR dispute officials to investigate.
🔹 triggers daily automated dispute progress update requests with the NCR
🔹 you receive daily progress update email notification
Who can use the SDRDS System?
🚫 Consumers who are placed under debt review without their knowledge or consent,
🚫 Consumers who remain listed under debt review with deregistered (inactive) debt counsellors,
🚫 Consumers who are stuck under debt review even when no longer over-indebted
🚫 Consumers who are placed under debt review without a court order
🚫 Consumers who are abandoned by debt counsellors - debt counsellor not contactable
🚫 Clearance Certificate - consumers who settled their debts but debt counsellor is not contactable
🚫 Clearance Certificate - consumers who settled their debts but debt counsellor refuse to issue a clearance certificate.
Logging a Dispute with the National Credit Regulator
You can call the NCR directly or send email to complaints@ncr.org.za,
However telephone and email disputes do not receive instant tracking and are often lost or remain unattended for extended periods and you must make multiple calls of follow ups . If you get through, you will still be requested to submit a Form29 to initiate a dispute. If you do not submit Form29, the dispute dies as if it never happened.
Logging a dispute with the SDRDS Digital System (recommended):
This system saves you time by ensuring your dispute is logged once with all required documents ensures that:
🔹Your dispute details are captured and allocated instant tracking reference number
🔹Compiles all documentation including Form 29
🔹 Digitally submit detailed dispute with affidavit to the NCR for investigation.
🔹You receive automated weekly email feedback on the investigation progress.
🔹Guaranteed resolution within 7 - 14 days.
What is the Cost for Dispute:
The automated dispute service is Free and entails:
🔹Eligibility assessment of your dispute
🔹 Automated notice to the debt counsellor on record to resolve and
🔹Automatically logging the dispute with the NCR for investigation.
👉An affidavit is required for the NCR to initiate investigation on your case, you can draft your own affidavit or request professional affidavit draft service here: Affidavit Service.
Registration and Dispute service is 100% Free.
Register in the SDRDS
Get your name in Swift Database for future queries, advice or disputes.
Check if your debt review placement is compliant (court order)
Permanent Tracking Number
DHS Status
Status Change Alerts
DC Status Change Alert
Stay ready to exit
Stay protected
Log a Dispute
Only when you want to Dispute and Remove the Debt review flag.
Unlawfully placed under debt review
No Court Order
Debt Counsellor not contactable
Debt Counsellor deregistered
Clearance Certificate
Includes:
Credit Report
Assessment
Dispute Affidavit
Automated NCR Dispute Log
Automated Feedback on dispute progress
Guaranteed Resolution in 7 -14 days
Report a Debt Counsellor
Only when you wish to report debt counsellor misconduct.
Debt Counsellor debiting your account
Not Paying Creditors
Not contactable
Abandoned Debt Review Process (No Court Order)
Coming Soon.
In the meantime log a complaint on complaints@swiftdisputes.org.za
Register in the Swift System - (Voluntarily)
PS: This is an independent invitation and not associated with the NCR or any authority
The purpose of this invitation is to give every consumer who is under debt review a fair opportunity to receive free assessment of compliance of their debt review placement and prepare for a dispute when necessary.
✅ Who can register?
🔹 Any consumer is who is currently under debt review, regardless whether you voluntarily applied to be placed under debt review or you were unlawfully placed, you can use this system to ensure that your debt review was conducted in compliance with Section 86 regulations.
🔹 Thousands of debt review listings are not compliant as they are not finalized with a court order. 🔹The system will automatically assess your debt review placement based on Section 86 prescribed processes and procedures to determine if all processes were complied with.
🔹Where it is found that any of the regulations was not complied with, you will be advised accordingly and provided with the steps to dispute and remove the invalid or unlawful debt review flag from your credit records.
✅ Consumer Indexing - Is your debt counsellor still active?
🚫 Over 3000 debt councellors have left the debt conselling practice for various reasons - see statistics below.
🚫 The Ncr does not have the mechanism to notify the consumer and/or remove the debt review flag when the debt counsellor is deregistered.
✅ Why you need to register in the SDRDS system:
🔹To get your current Dhs Status - if status is not D4 you need to query why?
🔹 To verify whether your debt counsellor is active or inactive and
🔹To get notification when the debt counsellor status change
In essence it is your individual and voluntary responsibility to register in the system and get a tracking reference number for any future disputes or queries or complaints.
2584
=
3138
INACTIVE
1702
Frequently Asked Questions
🔸 I never applied for debt review. Why is my credit record flagged?
✅ If you never signed Form 16 or consented to enter debt review, you may have been placed into the process unlawfully. This happens when debt counsellors mislead consumers, use electronic signatures without full disclosure, or falsify application details.
👉 Log a Dispute if this applies to you.
🔹You’ll need to submit Form 29, a sworn affidavit, and proof of the listing.
🔸 How long does it take to remove the debt review flag?
✅ If your dispute is valid and all documents are submitted correctly, resolution can take between 7 and 30 working days.
This timeframe depends on:
🔹The response time of the debt counsellor on record
🔹The complexity of the dispute
🔹Whether additional investigation is required
🔹The system tracks deadlines automatically and escalates matters where necessary — including when the debt counsellor fails to respond.
✅ Most verified disputes are resolved within two weeks.
🚫 Incomplete or unsupported disputes will not be processed.
🔸Do I need to pay to dispute the debt review flag?
🚫 No
🔹The NCR dispute service is free and obligatory as part of the NCR mandate under Section 136 of the NCA.
🔹Registered debt counsellors cannot charge you to dispute or remove the debt review flag.
🔹Only the NCR can update the Dhs System to remove the debt review flag.
🔹We strongly advice that you avoid debt counsellors and third parties who advertise they can get you out of debt review for a fee.
🔸 I emailed the NCR, but nothing happened. Why?
✅ Most email complaints are incomplete and do not qualify as formal disputes under Section 136. Without a signed Form 29 and supporting affidavit, your dispute cannot trigger investigation.
The NCRSwift system ensures that your complaint is submitted correctly — with all documents and status tracking in place.
🔸 Do I need a lawyer to remove a debt review flag?
🚫 No.
🔹No lawyer, third party, or any third party can remove your debt review status.
🔹Only the NCR can instruct credit bureaus to update or remove your listing — and only after validating your dispute.
🔹If someone is offering flag removal for a fee, report them immediately.
🔸 Is an affidavit really required?
✅ Yes.
🔹 Yes.
Even though Form 29 refers to an affidavit as optional, in practice, the affidavit is critical — especially where the debt counsellor is accused of misconduct, non-consent, or failure to assist.
🔹An incomplete or poorly written affidavit may result in your dispute being rejected or delayed.
🔹We strongly recommend that you use the services of an experience expert or legal practitioner to draft the affidavit on your behalf.
🔸 Can I submit if I don’t have all my documents yet?
✅ Yes.
🔹You can submit the assessment questionnaire above and attach Form 29, Sworn affidavit, Copy of your ID, Proof of debt review listing or rejection.
🔹If you don’t have any documents at all, your affidavit gives the NCR authority to initiate investigation and request any documents from the debt counsellor who placed you under debt review.
🔸 Will I be notified of progress?
✅ Yes.
Once your dispute is submitted, you will receive:
🔹 A confirmation email and WhatsApp link - Do Not Ignore this email.
🔹 Progress updates at every stage
🔹 Direct communication if more information is needed
🔹 You can also query your case via LiveChat or WhatsApp at any time.
🔸 Can I have another person submit a dispute on my behalf?
✅ Yes.
Section 136 Regulation 50 of the NCA allows you to appoint a third party to submit a dispute on your behalf.
🔹Just make sure the person you appoint is conversant the Section 86 of the NCA, if not, do not trust them with your dispute.
🔹Once again, avoid any third party that advertise removal of debt review for a fee. No third party can remove the debt review flag.
🔹Only the NCR can instruct the credit bureau to remove the debt review flag.
🔸 Can I be removed from debt review even if I have not settled my debts?
✅ Yes
It depends on whether:
🔹You voluntarily applied for debt review and
🔹The debt counselling process was not conducted in compliance with the regulations
🔹 The debt review application was not concluded with a court order (court order is not optional)
🔹 If your debt counsellor is no longer in practice, not contactable or rendering proper service.
🔹If for any reason you are not happy with the debt counsellor's service, you can log a complaint for investigation.
✅ INTRODUCTION
🛡️ The SWIFT Dispute Website is the entry point for consumers to take lawful action against unlawful or unfair debt review placement and incorrect credit bureau flagging.
🛡️This platform was created to protect you to take action with the ONLY relevant authority (NCR).
🛡️This is the only website that ensures your dispute, or debt counsellor misconduct complaint, or scammer report is immediately investigated and resolved in terms or Section 136 of the National Credit Act.
🚫 Whether you were misled, placed under debt review without your consent, or denied lawful assistance — this is your path to justice.
🚫There is no third party or service provider - be it a lawyer, or court or even a debt counsellor - that can remove the debt review flag from the credit bureau records.
🛑 Only the NCR can instruct the credit bureaus to remove the debt review flag.
What You Can Do on This Website:
✅ Log a Dispute — if you believe you have been unlawfully or unfairly placed under debt review
🔹 When your debt counsellor is not contactable and not rendering obligatory after-care service
🔹When the debt counsellor refuse to issue a clearance certificate (when you have settled your debts)
✅ Report a Scammer — if someone offered to remove your debt review flag for a fee
✅ Report a Debt Counsellor — if a counsellor misled you, failed to assist you, or violated the NCA
✅ What Happens After Submission:
🔹Your dispute or report is immediately logged and allocated a Dispute Tracking Number.
🔹 For your security and protection, you will receive an email with a WhatsApp link to verify that you personally logged the dispute: Do Not Ignore this WhatsApp verification.
🔹The dispute is routed to the appropriate regulatory team for assessment and investigation.
🔹 The debt counsellor on record in the NCR Dhs system is notified to respond or resolve within 48 hours.
🔹 You will receive the debt counsellor response and/or instant investigation progress notifications.
🔹 You can follow up your case progress via LiveChat or WhatsApp
🏛️ The NCR is committed to consumer protection, closing down scammers and restoring integrity in the debt review industry
✅ Log a Dispute
Debt Counselling is a voluntary and consensual process which results in the Tribunal or a Magistrate court order for the restructured repayment of your debts.
🔹 It should only begin when you - the consumer - voluntary submit an application form (Form16) for assessment of your financial circumstance, and you fully understand and agree to the terms.
It is the responsibility of a debt counsellor to fully explain the debt review process and your responsibilities under the debt review program.
🔹 You can only be placed under debt review when you voluntarily approach a debt counsellor and sign the prescribed Form16 application.
🔹 The law is clear: only a Magistrate or the National Consumer Tribunal can enforce restructured debt repayment arrangement with a court order. If you did not recieve court order, it means the debt review process was not completed as per prescribed regulations. (Section 86 (10) of the NCA.
You have the right to challenge the debt review listing in terms of Section 136 of the NCA.
📎 What you will need to submit:
🔹 A completed Form 29
🔹A copy of your ID.
📎 An affidavit is mandatory when you are alleging that:
🔹 You were placed under debt review without your knowledge or consent.
🔹You never signed Form16 application for debt review
🔹You never signed suppoprting Affidavit for debt review court application
🔹You did not receive a Magistrate of Tribunal Court Order
🔹 Debt Counsellor is not contactable
🔹Debt Counsellor refuse to issue a clearance certificate (where all accounts are settled)
Log Debt Review Dispute
⚖️ If you believe you have been placed under debt review without your consent, this is your official recourse.
🔹Debt review is a voluntary, court-driven process — not something that can happen without your knowledge.
🔹If you never signed Form 16, were misled, or cannot access help from your debt counsellor or
🔹If your debt counsellor is not contactable or no longer operating (deregistered)
✅ Log your dispute here:
🔹Your dispute will be assessed and investigated in terms of Section 136 of the NCA.
🔹If your dispute is valid, we shall take appropriate steps to update your records accordingly.
🚫 No payment is required.
🚫 No lawyer is needed.
✅ Just the truth.
Upon submission, you will receive outcome of your assessment and whether you require affidavit or not.
Report Debt Counsellor Misconduct
⚖️ Debt counsellors are licensed to help — not exploit.
If a registered debt counsellor has:
🔹Placed you under debt review without consent,
🔹Refuse to issue clearance certificate,
🔹Is not contactabe,
🔹Failed to assist you
🔹Or charged fees unlawfully—
✅ You are entitled to report that misconduct here.
✅ The NCR will review your submission, notify the registrant, and take appropriate regulatory steps — including referral for deregistration or enforcement where necessary.
🔹You’re here because something went wrong.
⚖️ We’re here to bring justice.
Report a Scam
🚫 No one can remove a debt review flag for a fee.
🏛️ Only the NCR can instruct the credit bureaus to remove the debt review flag
⚠️ If anyone has offered you flag removal, fast-track clearance, fake court orders, or fake clearance certificate — report them immediately.
⚠️These services are not only illegal — they are harming thousands of desperate consumers and undermining national regulation.
🔒Your report will be confidential and routed to the appropriate investigation team.
🏛️The NCR will never protect unlawful actors — and your report helps shut them down.
📢 Every report helps stop abuse. Speak up — it matters.
✅ Dispute Processing and Investigation Steps
Step 1.
Complete the Dispute Questionnaire
The Dispute Questionnaire is based on the presribed debt review application regulations and processes in terms of Section 86 of the NCA.
The Questionnaire shall determine if your debt review process and placement was conducted in compliance with the regulations
You will recieve:
* Your dispute case reference number
* Instant assessment outcome of any established non-compliance issues
* Recommended Action to remove the flag
Step 2.
Mandatory Dispute Documents, Credit Report and Affidavit
Mandatory Dispute Document(s)
1. Debt Review Dispute Form 29
2. Copy of ID document
In case any other documents are required, you will be notified.
Upon receipt of your Form 29 dispute form and any other documentation (as will be required/supplied):
1. The complaints official shall check the Dhs to confirm debt review status and debt counsellor details.
2. The debt counsellor on record will be notified of the dispute to respond within 48 hours.
3. The dispute shall be resolved within 7-14 days
Step 3.
Investigation and Resolution.
Dispute Affidavit:
An affidavit is required when your dispute is related to the following:
* Placed without concern.
* Did not sign Form 16
* Did not submit Payslip
* Did not consult with debt counsellor at all.
* Debt Counsellor not contactable
* Debt Counsellor refuse to issue clearance certificate.
* Debt Counsellor Unknown.
The Debt Review Dispute Affidavit is not like an affidavit statement that you can just write and stamp at the police station.
The Debt Review Dispute Affidavit must show which prescribed debt review processes where not complied with as per Section 86 of the NCA.
A professionally drafted affidavit is an advantage to get your debt review matter resolved without any delays.