HOW CAN THE CREDIT OMBUD HELP YOU?

CityPress - - Tenders -

The Of­fice of the Credit Om­buds­man re­solves com­plaints by con­sumers and busi­nesses that are neg­a­tively af­fected by credit bureau in­for­ma­tion, or when a con­sumer has a dis­pute with a credit provider other than a bank.

The of­fice used to as­sist con­sumers with debt coun­selling com­plaints, but, since 2013, all th­ese com­plaints must be re­ferred to the Na­tional Credit Reg­u­la­tor, which can be con­tacted on 0860 627 627 or 011 554 2600. Al­ter­na­tively, email dc­com­plaints@ncr.org.za.

If you have a com­plaint con­cern­ing your bank, that would be han­dled by the Om­buds­man for Bank­ing Ser­vices, which can be con­tacted on 011 712 1800 or by lodg­ing a com­plaint on ob­ssa.co.za.

The ombud ser­vice is free and the only re­quire­ments that must be met are:

That the com­plaint is within the ju­ris­dic­tion of the of­fice;

That the com­plainant fol­lows the com­plaint process as stip­u­lated; and

That the com­plainant signs and agrees to the terms and con­di­tions/rules and un­der­tak­ings ac­com­pa­ny­ing the com­plaint form.

If you have a dis­pute with your credit provider or bureau, you must first try to re­solve the is­sue your­self.

If you are still un­happy, or don’t get a re­sponse to your com­plaint within 20 work­ing days, you can ap­proach the ombud. Sim­ply send an SMS to 44786 to get a con­sul­tant to call you back, or you can call 0861 66 2837. Al­ter­na­tively, com­plete a com­plaint form on­line at cred­it­o­mbud.org.za.

PHOTO: iSTOCK

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