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Welcome to the National Debt Mediation Association

Who we are

The National Debt Mediation Association (NDMA) is a registered NPO , whose aim is to contribute to the healthy provision and consumption of credit that is backed up by effective and cost efficient debt relief solutions and remedies for consumers who are experiencing financial hardship. Our Objectives are to:
  • To empower consumers with information and advice on managing credit and over indebtedness through the National Responsible Credit Helpline;
  • To provide effective debt relief solutions to consumers who are experiencing financial hardship, are behind with their repayments, are under threat of legal action or who have debt related disputes with their credit providers
  • To assist employers to implement effective and lasting programs to manage over indebtedness in the workplace;
  • To establish partnerships with various organizations, regulators, government and the media to implement joint education and related programs;
  • To contribute to changes in policy, legislation and market practices through case analysis and advocacy;
  • To subscribe to and practice the values of responsible conduct, fairness, independence, trustworthiness, and empathy.

Our highly qualified and experienced team of debt counselling, mediation and training experts are there to assist you to assess your financial situation and with your consent tailor a suitable solution. If you are struggling to repay your debts, we can assist you with explaining the various legal and voluntary debt management solutions, with the aim of identifying one that suits your particular situation. Not only do we provide help where needed, we also provide self-help tools for consumers to use when assessing their financial situation so that where possible and through proper budgeting and lifestyle changes, they can rehabilitate themselves.

We provide independent solutions that are aimed at assisting you to become debt free or manage your debt properly. We also offer consumers general advice on all credit related matters, which includes referrals to appropriate assistance channels where the NDMA does not have jurisdiction.

Our Vision

To empower individuals to become responsible consumers of credit

Our Mission

To create healthy credit consumers in South Africa through effective and cost efficient debt management and restructuring solutions, with integrity in an innovative, responsible, fair, independent trustworthy and empathetic


Our Values









Voluntary arrangements with your credit providers

The NDMA can assist you to make voluntary arrangements with your creditors if you have a short term cash flow problem that might probably only last a few months and that is making it impossible for you to pay the full instalments on your car, house, credit cards, store cards or personal loans. The NDMA offers a mediation service that assist you to develop a comprehensive budget on your income, living expenses and debt repayments. Once this is done an offer for reduced instalments is made to the credit provider. Once there is agreement this is captured in writing and you are protected from further legal action as long as you pay according to the new arrangement.

Section 129 negotiations

If a credit provider issues you with a section 129 letter of default, you have ten business days to negotiate to bring your payments up to date, this you can do yourself, through an alternative dispute resolution (ADR) agent or through a debt counsellor. The NDMA is an ADR agent and can assist you to negotiate with your credit provider to stop legal action and agree to reduced but reasonable instalments and a plan to catch up with your arrears. If you don’t respond to a section 129 notice, the credit provider can follow with a summons, then a judgment.

Debt Counselling

The National Credit Act (NCA) came into effect on 1 July 2007 and it makes provision for debt counselling where over-indebted clients are assisted to restructure their debts according to the rules as set out in the Act. Debt Counselling is suitable for consumers who have a long term cash flow problem but that still have sufficient income to make reasonable payments. The NDMA has a registered Debt Counsellor who can assist you with the process.

Credit Bureau Reports

For a small administration fee the NDMA can issue you with your credit report accompanied with a 30 minute consultation with our Helpline Agents, who will explain your report to you and offer advise on how improve your report or deal with any disputed information. Alternatively you can access your free annual report by contacting any of the credit bureaus directly.


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