Received aSection 129notice?
It is a formal warning under the National Credit Act. You have 10 business days to respond before the matter can escalate to court.
Free & confidentialNCR registered
What are your options?
Pay or arrange arrears
If affordable
Dispute the amount
If incorrect
Debt Counsellor
If debt is unaffordable
Do not ignore it: the 10 business-day window matters.
Prepare for a conversation about the notice
Have the full notice available, including the creditor name, account number and the date you received it. If you have received later letters, a summons or court papers, include those too. They help the adviser understand the current stage of the account.
- Check the amount against your statements and gather records of payments or disputes.
- Write down your income, essential expenses and other repayments.
- Ask what response is needed, who should receive it and which deadline applies.
- Keep copies of documents and any written agreement about the next step.
Sending a callback request does not itself respond to a legal notice. If a deadline is close, seek help promptly and make sure the notice is assessed.
Not sure what to do next?