Banking & Finance · Contact details
Remove Debt Contact Details
To ask about removing a debt review, contact the National Credit Regulator on 0860 627 627 or complaints@ncr.org.za. Paid “debt review removal” is not supported by law. We read these details on ncr.org.za on 24 September 2026.
NCR contact details
| Call centre | 0860 627 627 |
|---|---|
| Reception | 011 554 2700 |
| General enquiries | info@ncr.org.za |
| Complaints | complaints@ncr.org.za |
| Educational workshops | workshops@ncr.org.za |
| Monday to Thursday | 08:00 to 17:00 |
| Friday | 08:00 to 16:30 |
| Head office | 127 15th Road, Randjespark, Midrand, 1683 |
| Call centre, complaints and registrations | 232 15th Road, Randjespark, Midrand, 1683 |
| Fraud and anti-corruption, KPMG Ethics Line | 0800 20 53 17, toll-free |
The NCR works from two buildings on the same road. Credit bureau compliance, credit provider compliance, debt counselling, debt intervention, education and statistics sit at number 127. The call centre, complaints, registrations and investigations sit at number 232.
The lawful way out of debt review
There is a proper process, and it does not involve paying anyone a fee to make a flag disappear. The NCR calls it the clearance certificate process, and you qualify in one of two ways.
- Every debt that was subject to the debt counselling restructuring order has been paid up in full.
- Or all the short-term debts have been paid up in full and the only debt remaining is a home loan that is up to date in terms of the restructuring order.
Once your debt counsellor has verified the paid-up letters, the counsellor issues a clearance certificate and instructs the credit bureaus to remove the debt counselling flag and to expunge the information about the debts that were under review.
The NCR also publishes Withdrawal Guidelines setting out the circumstances in which a consumer can exit debt review. Its own advice is that if a company offers a service that runs contrary to those guidelines, even an attorney, you risk paying for something with no prospect of success.
Why paid removal does not work
The NCR has warned of a surge in advertising for debt review removals, with some consumers charged in excess of R8 000 to have a flag removed. It states that this removal is not supported by law.
It cites a High Court judgment delivered by three judges holding that removal is not possible for a consumer who has been declared over-indebted, and that the consumer must pay up all debt, except where a bond is not in arrears, to be removed from debt review.
Where there is a debt review court order, the NCR says no court, not even the High Court, can rescind that judgment.
Before paying anyone for this service, phone 0860 627 627 or check the registration status of the person offering it on the NCR website.
Anyone calling as an “NCR Agent” is not the NCR
The NCR has flagged people telephoning consumers as “NCR Agents” to discuss their debt review status or to offer flag removal.
Its position is unambiguous: the NCR does not have any personal information of consumers and will at no stage contact a consumer to discuss that person’s debt review status.
So a call that opens by knowing your name and your debt review is not the regulator. Report it to the NCR complaints department at complaints@ncr.org.za.
What the flag actually is
The NCR is explicit that the debt counselling flag is not a negative listing and not “blacklisting”. It is an indicator that you are under debt counselling, nothing more.
What it does do is stop you taking further credit while you are under debt counselling. That is the practical consequence people are usually trying to escape.
Debt counselling itself is a lawful debt relief measure under the National Credit Act, for consumers who are over-indebted. A registered debt counsellor compares your income against your basic expenses and debt obligations, negotiates reduced payments, and the restructuring is confirmed by a Magistrate’s Court order or a consent order from the National Consumer Tribunal.
Dates and duties worth knowing
The whole process, from application through negotiation to referral to the Magistrate’s Court or the Tribunal, must be completed within 60 business days of application. During that period you are protected against legal action such as repossession and default judgment.
There is no payment holiday. You must keep paying from the moment the process starts, and if you default a credit provider may terminate the debt counselling and enforce against you.
Spouses married in community of property must apply jointly and cannot apply without the other’s consent.
Debt counselling is not free, but the NCR says consumers should not have to borrow money to pay the fees, all fees must be disclosed in writing, and it publishes the debt counsellor fee guideline so you can check what you are charged.
Checking a debt counsellor
A debt counsellor must be registered with the NCR and is issued a registration certificate to display at the place of practice. If it is not on the wall, you may ask to inspect it.
The NCR publishes registers of debt counsellors, credit providers, credit bureaus, payment distribution agents and alternative dispute resolution agents on its site, so you can confirm a registration yourself.
Complaints about a debt counsellor, a credit provider’s debt counselling department or a payment distribution agent go to complaints@ncr.org.za. Monitoring their compliance is what the debt counselling department exists to do.
Frequently asked questions
What is the Remove Debt contact number?
The numbers listed on this page for Remove Debt are 0860 627 627 (Call centre) and 011 554 2700 (Reception).
What is the Remove Debt email address?
The email address listed on this page is info@ncr.org.za (General enquiries).
How do I know these Remove Debt details are correct?
We only list details read from the official website or channels of Remove Debt, and this page shows the date they were checked. Confirm on the official site before you share personal information or make a payment.
Sources
- National Credit Regulator contacts page, ncr.org.za, the call centre and reception numbers, mailboxes, operating hours, both physical addresses and the ethics line (read 24 September 2026)
- NCR Debt Counselling department page, ncr.org.za, the department’s mandate, the debt counselling process, the 60 business day period, the payment rules and the clearance certificate conditions (read 24 September 2026)
- NCR press release on misleading advertising regarding debt counselling, ncr.org.za, the warning on paid debt review removal, the High Court position, the Withdrawal Guidelines and the “NCR Agents” warning (read 24 September 2026)