Debt collector complaints in South Africa
Being chased for a debt you don't owe, debt that has prescribed, or facing harassment and threats? You're not alone. CRESA lets you file a formal complaint, serve the collector a legal notice, and track the response publicly — for free.
Free to file · Company is formally notified · Track the response publicly.
Common complaints we see
- Harassment / unlawful contact
- Prescribed debt
- Fraudulent demand
- Refused written communication
Recent complaints in this sector
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Tip: file on CRESA first to create a public record and notify the company — then escalate to the regulator if it isn't resolved.
Frequently asked questions
What is prescribed debt and can a collector still chase me?
A debt generally prescribes (becomes unenforceable) after three years if you have not acknowledged it or made a payment in that time and no summons was issued. A collector may not demand payment or list prescribed debt. If they do, file a complaint and we will help you serve a formal notice.
Is it legal for a debt collector to phone me at work or threaten me?
Debt collectors must follow the Debt Collectors Act and the National Credit Act. Harassment, threats, contacting your employer to embarrass you, or demanding unlawful fees are all grounds for a complaint to the collector and the Council for Debt Collectors.
How does filing on CRESA help?
Your complaint is logged publicly, the company is formally notified, and if they ignore it we escalate through a structured 8-stage resolution process — and point you to the correct regulator.
Ready to be heard?
File your complaint in a few minutes. We notify the company, track the response, and guide you to the right regulator.
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