HOW CAN THE CREDIT OMBUD HELP YOU?
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 firstname.lastname@example.org.
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.