Basic Package

iDebt assists the member to request a credit report in the member's own name from a registered credit bureau, subject to the member's express consent, identity verification and the bureau's terms. The report and member-supplied information may then be used for a general financial wellness discussion and an educational action plan.

The member may receive administrative support to organise account details, prepare a household budget, draft a repayment request and communicate the member's proposed arrangement to a creditor. The creditor remains free to accept, reject or amend any proposal.

A financial wellness coach helps the member set practical goals, understand spending patterns and identify general actions to improve financial resilience. Coaching may include educational material, progress check-ins and accountability support.

A high-level screening may identify signs that the member requires formal debt review or specialist debt assistance. Where appropriate, the member is referred to an NCR-registered debt counsellor or another authorised channel. The regulated provider performs the assessment, accepts the application and delivers the regulated service directly to the member.

The member receives a practical budgeting tool and assistance to record income, essential expenses, debt commitments and discretionary spending. The outcome is an educational cash-flow view and a member-owned action plan.

The member may receive general information about common personal tax processes, the documents commonly required by SARS and the available channels for obtaining assistance. Where tax advice or return completion is required, the member is referred to a SARS-registered tax practitioner.