The National Credit Act (Act 34 of 2005) and the National Credit Regulator set conduct standards for credit agreements — debt review status, reckless-lending flags, and prescribed Section 129/130 notice procedures. Here's how the platform keeps that visible before a collector acts.
A debtor under debt review, or an account past prescription, is visible on the case before a collector picks up the phone — not discovered afterward. This page is a plain-language summary — it isn't legal advice, and your own compliance team should confirm NCR registration and conduct requirements for each engagement.
Accounts under debt review or protection are flagged so collection actions stop until the status is cleared.
Accounts approaching or past the prescription period are surfaced before they reach a collector.
Required letters of demand and statutory notices are issued from templates, with delivery proof stored on the case.
Channel and time-of-day limits are enforced in the strategy engine, not left to collector judgement.
A disputed balance pauses collection and routes to a reviewer with the full account history.
Every contact, promise and status change is logged for regulator or ombud enquiries.
Summary of platform behaviour, not legal advice. Your compliance officer should confirm how the Act applies to your portfolio.
