Consumer Champion

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Question:

A few months ago I made arrangements with a debt review company to pay off my debts over a certain period. However, before I could finalise it, I found another way to settle the debt and withdrew my application, and they confirmed it. But I recently found out that I’m under debt review when I tried to use my credit card. The bank says the card was cancelled and they can’t clear the blacklisting from the credit bureau, despite the fact that I had paid it off.

Anonymous, Mpumalanga

Answer:

Try and get a cancellation letter from the debt review company and use it open a dispute with the relevant credit bureaus. This process will only be completed within 20 working days, in line with the National Credit Act (NCA).

Thulani Qithi is a certified credit consultant, specialising in credit rehabilitation. He holds a diploma in business management and sports law from the University of Johannesburg.

You can send your questions to our Consumer Champion expert Thulani Qithi who is a certified credit consultant, specialising in credit rehabilitation. Write a letter to Move!/Consumer Champion PO Box 784072, Sandton 2146. Or SMS your question to Move!/Consumer Champion. Each SMS costs R1.50 and you do not have to use your real name

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