It makes sense to think that the changes to a client's obligations would be found on the client's audit trail, however this will just indicate changes to the client's information.

In order to view the changes to the client's obligations, go to the Obligation tab and click on the audit trail button while the desired obligation is highlighted.

·The consumer must notify the DC of being retrenched or of imminent retrenchment.

·The DC must request written proof of the consumer's retrenchment to be received from the Employer.

·The DC must issue a written notification to the consumer listing the legal process that will follow.

·The consumer must sign and acknowledge receipt of the notification.

·17.3 B:

oThe DC must issue the 17.3 with option A : "Employment Status" to all creditors with a copy of the employer's retrenchment notification.

oA 3 month grace period should be given by creditors in order to allow the consumer to secure new work.

oThe DC must deactivate/stop the payment plan at Hyphen PDA for the duration of the grace period.

oThe DC should assist/advise consumer to activate any 3rd party insurance that may be applicable.

oCreditors should activate insurance if applicable.

oThe DC must update the NCR DebtHelp system.

·New work secured:

oConsumer must immediately notify DC when new work has been secured and forward relevant documentation, i.e. employment contract, payslip,

oUpdate consumer details on Simplicity, new employment details

oRe-assess consumer's affordability, Income, Deductions

oRework proposal if required

oNotify creditors and provide reworked information

·If No Order Granted yet:

oIf required re-negotiate with creditors.

·If Order Granted:

oIf the affordability is less due to a lower income then the Order will have to be rescinded and a new application instituted.

oDC must obtain and issue the consumer with a new Hyphen PDA Debit Order Mandate.

oThe DC must activate the consumer's Hyphen PDA payment plan.

oThe DC must update the NCR DebtHelp system.

oThe DC must then proceed as prescribed by the NCA.

·If No work secured:

oThe DC must send the consumer a notification that termination of Debt Review is forthcoming.

oThe consumer must be given 10 days to respond and to rectify their payment behaviour (use the process above), etc.

·17W B:

oThe DC must issue and provide all creditors with a 17.W (Option B) : "Withdrawal due to non-cooperation by consumer".

oThe DC must update the NCR DebtHelp system.

oThe DC must terminate the consumer at Hyphen PDA.

·The Debt counsellor must terminate the client on the Case form.

·Then choose "Sequestrated" as the reason on the Case form.

· Then send a 17.3 selecting Option B "Personal Circumstances" with the sequestration letter attached to the creditors.

·A copy of the death certificate must be obtained and sent to all Credit Providers with a Form17.3 – B. Personal Circumstances and a covering email. The NCR DebtHelp must be updated and the consumer’s termination uploaded to Hyphen PDA.

·Terminate the client and select “Deceased” as the Reason For Termination.

·Any monies at Hyphen PDA not yet distributed or suspended could be refunded to the next of kin/spouse. Hyphen PDA to be provided with proof of bank details regarding the next of kin/spouse as well as the death certificate and a request for the refund to be done. As the consumer’s bank account will immediately be frozen upon receipt of the death certificate no monies can be refunded to that account.

·The same applies in the event of a joint application where a spouse died as the estate will be frozen and must first be resolved where after it can be established if the debt could be paid off with the estate.

In order to terminate a client you must change the client's local status on the Client form > Case > Status and make the status "Terminated"

If the client was already uploaded to Hyphen, the user must upload the client again to Hyphen to upload the new changes that was inserted on the client.

To activate a terminated client the user must make sure that the client's local status is Accepted and then call Hyphen to make the client inactive and then upload the client again.