You can sign up to use DREX by clicking on the following link https://drex.consumerfriend.co.za/drex/Account/SelfSignUp and completing the online access form.

The DREX consumer portal will allow you to access your accounts that are under debt review. You will be able to access the following:
• Detailed statements
• Balances
• Payments made
• Important debt review documentation
• Option to pay directly

When your debt counsellor suspends their services, they will not process your application any further. You will, however, remain within the debt review process. You will be able to view where you are within the debt review process by accessing DREX. You have the right to approach another debt counsellor and can request that they take over your debt review process. Remember to continue to make payments towards your accounts so that you continue to receive the benefit of debt review, and to prevent your accounts from being terminated from debt review.

Once you apply for debt review, you will not be allowed to purchase on your account. Section 88(1) of the National Credit specifically states that you may not incur any further charges on your account once you have applied for debt review.

Consumer Friend will reflect a balance in line with the debt review process. All concessions made and agreed on will be applied to your account. The credit provider (store) does not apply the concessions on their systems as they must report on the contractual obligations. Once you have paid up your account in line with your debt review obligations, any balance reflecting with the credit provider is written off.

Consumer Friend cannot remove the debt review indicator from the bureau. When you apply for debt review, your debt counsellor will send an instruction to the bureau for a debt review indicator to be placed on your profile. Only your debt counsellor can remove the debt review indicator from the bureau once you have settled all your debt review accounts and are in possession of a Clearance Certificate.

Any update that is sent to the bureau, can take between 14 and 21 business days.

If you are married in community of property, your assets and liabilities are, in law, viewed as a joint estate and as such, both you and your spouse will be placed under debt review.

We are not able to provide information on a consumer’s debt review accounts to any 3rd party – other than the appointed debt counsellor. Should you require information on an account that is not yours, please advise the consumer to contact us for the information. Alternatively, ask the consumers debt counsellor.

Should we not receive any payments for 60 business days (3 months), we will terminate your account from debt review. Once your account is terminated, any concessions applied to your account will be forfeited and you will be liable for the full contractual obligations. We urge you to contact your debt counsellor once you are notified of the termination.

Consumer Friend will reflect a balance in line with the debt review process. All concessions made and agreed on will be applied to your account. The credit provider (store) does not apply the concessions on their systems as they must report on the contractual obligations. Once you have paid up your account in line with your debt review obligations, any balance reflecting with the credit provider is written off.

Consumer Friend cannot remove the debt review indicator from the bureau. When you apply for debt review, your debt counsellor will send an instruction to the bureau for a debt review indicator to be placed on your profile. Only your debt counsellor can remove the debt review indicator from the bureau once you have settled all your debt review accounts and are in possession of a Clearance Certificate.

The DREX consumer portal will allow you to access your accounts that are under debt review. You will be able to access the following:
• Detailed Statements
• Balances
• Payments made
• Important debt review documentation
• Option to pay directly