Embark on a transformative journey in the NCR Debt Counselling Learning Programme, where you'll acquire the skills and knowledge essential for guiding consumers through the complexities of debt review and restructuring. Our comprehensive curriculum aligns closely with the requirements of the National Credit Act (NCA), ensuring that you're equipped to navigate the intricacies of the credit landscape with confidence and proficiency. From understanding the dynamics of the credit granting industry to mastering the application of the debt counselling process, you'll delve into key concepts and practices crucial for effective debt counselling. Moreover, you'll learn how to leverage relevant technical systems adeptly, enhancing your ability to deliver impactful debt counselling services. Join us and become an invaluable asset in the mission to alleviate consumer over-indebtedness, empowering individuals to regain financial stability and build brighter futures.

What you will learn:

At the end of this course, the learner should be able to:  

• Understand the structure and dynamics of the South African credit landscape.
• Explain the credit-granting cycle and analyse its implications within the framework of the National Credit Act.
• Analyse and interpret the cost of credit, including the application of in duplum versus statutory s.103(5).
• Differentiate between debt enforcement methods and various debt relief options available to consumers in South Africa.
• Identify and evaluate the legislative and regulatory frameworks governing debt counselling.
• Apply the debt counselling process effectively.
• Calculate over-indebtedness accurately.
• Describe and apply the court application process in debt review matters.
• Clarify the role of a debt counsellor, understand registration requirements, and ensure compliance with professional standards.
• Utilise technical systems proficiently in the application of the debt counselling process.

Course Content:  

• Module 1: Introduction to the SA Credit Landscape
• Module 2: The Credit-Granting Cycle
• Module 3: Understanding the Cost of Credit
• Module 4: Debt Enforcement vs Debt Relief vs Debt Mediation
• Module 5: The Legislative & Regulatory Framework for Debt Counselling
• Module 6: Applying the Debt Counselling Process
• Module 7: The Pivot of The Debt Counselling Process: Calculating Over-Indebtedness
• Module 8: Court Application Process
• Module 9: The Debt Counselling Profession

Who Should Attend:

Anyone that wants to become a registered Debt Counsellor whom meets the entry requirements set out by the NCR.

Entry Requirements:

• Grade 12/matric certificate or NQF Level 4 qualification
• 18 years of age or older
• Minimum of two years working experience in any of the following fields: consumer protection, complaints resolution or consumer advisory services
• Experience in legal or paralegal services; accounting or financial services; education; training services; counselling of individuals; or general business environment
• A clean credit record and may not be working at a debt collection

Course Structure:

This course is available in a virtual learning format.

• Virtual-Learning: Training done in a virtual or simulated environment where the learner and the facilitator are in separate locations. Learners log into the virtual training platform according to the set training schedule and participates in a virtual classroom with the facilitator and other learners. Learners will be required to complete some learning activities in their own time.

Cost of Course:

R9 130.00 including vat per learner

Assessments:

Formative assessments are done throughout the learning process through learning activities and exercises. Final summative assessment is completed by means of:  

1. Practical Assignment (Weighed 25% of total mark)
2. Online Examination (Weighted 75% of total mark)

Accreditation:

This programme recognised by the National Credit Regulator.

Certification:

Certification of learning achievement will be issued upon successful completion of the formal exam. A pass mark of 75% is required.

Duration:

Virtual Training:  3 training sessions of 3.5 hours each per week (18 sessions in total) with 38 hours of self-study and completing learning exercises over a period of 6 weeks.

Training Schedules: 
View training schedules for the rest of the year. Select the links below:
DCVirtualTrainingJul
DCVirtualTrainingOct
DCVirtualTrainingSep

Requirements for Virtual Training:

Access to a personal computer, laptop or iPad with connectivity via a cable modem, DSL or better Internet connection (1 Mbps or faster). Learners should also have access to audio and visual functionalities on their device.