NCR Registration Verification
NCR Registered Debt Counsellor in South Africa — NCRDC2403
Debt365 Solutions is a fully NCR Registered Debt Counsellor operating under National Credit Regulator registration number NCRDC2403. The practice is led by Chris Shumba, a highly rated debt counsellor with 18+ years of experience, and operates nationwide across all nine South African provinces — Gauteng, Western Cape, KwaZulu-Natal, Eastern Cape, Free State, and beyond. Being NCR registered means Debt365 is legally authorised under the National Credit Act to negotiate with creditors, restructure debt, and issue statutory protection on your behalf — something an unregistered “debt helper” cannot legally do.
What Does “NCR Registered Debt Counsellor” Mean?
A debt counsellor registered with the National Credit Regulator (NCR) has met the qualification, experience, and compliance requirements set out under the National Credit Act (NCA) 34 of 2005. Registration is what legally permits a counsellor to assess a consumer's financial situation, negotiate reduced instalments, apply for legal protection against creditor action, and issue a Form 17.4 restructuring proposal and Form 19 clearance certificate.
Anyone offering debt review or debt counselling services without NCR registration is operating illegally, and consumers who use them have no legal protection under the NCA.
Debt365's NCR Registration Details
| Registered Debt Counsellor | Chris Shumba |
|---|---|
| NCR Registration Number | NCRDC2403 |
| Regulator | National Credit Regulator (NCR), South Africa |
| Governing Legislation | National Credit Act 34 of 2005 |
| Company Registration | 2025/359858/07 |
| Coverage | Nationwide — all 9 provinces |
| Experience | 18+ years |
| Track Record | R10M+ in debt settled, 5,000+ clients helped, 98% success rate |
How to Verify Debt365's NCR Registration
Don’t take our word for it — verify it yourself in under a minute:
- Visit the National Credit Regulator's public register at ncr.org.za.
- Search the registered debt counsellor database using registration number NCRDC2403 or the name Chris Shumba.
- Confirm the registration status is “Active”.
We encourage every prospective client to complete this check before signing up with any debt counsellor — registered or not. It is the single fastest way to protect yourself from unregistered operators.
Why This Matters for You
- Legal protection from day one — only a registered counsellor can apply for statutory protection against creditor action.
- No upfront fees — NCR-registered counsellors' fees are regulated and built into your payment plan, not charged upfront.
- Recourse if something goes wrong — registered counsellors are accountable to the NCR; unregistered operators are not.
- Valid clearance certificates — only a registered counsellor's Form 19 is recognised by credit bureaus to clear your ITC record.
Meet Your Registered Debt Counsellor: Chris Shumba
Chris Shumba is the NCR Registered Debt Counsellor behind Debt365 Solutions (NCRDC2403), with 18+ years of experience helping South Africans legally exit debt review and rebuild their credit. Rated highly by clients across Johannesburg, Cape Town, Pretoria, and nationally, Chris personally oversees Debt365's debt review removal, debt counselling, and credit repair services delivered to consumers in all nine provinces.
“Chris was able to help me complete clearing my debt review process in the period of 2 weeks... The best thing I did was transfer the process to his capable hands.” — Blake V., Johannesburg
Frequently Asked Questions
Is Debt365 NCR registered?
Yes. Debt365 Solutions operates under National Credit Regulator registration number NCRDC2403, held by registered debt counsellor Chris Shumba.
What is NCRDC2403?
NCRDC2403 is the official National Credit Regulator registration number issued to Chris Shumba, confirming his legal authorisation to practise as a debt counsellor under the National Credit Act.
How do I check if my debt counsellor is NCR registered?
Search the counsellor's name or registration number on the National Credit Regulator's public register at ncr.org.za. If they don't appear as Active, they are not legally authorised to offer debt counselling.
What's the difference between an NCR registered debt counsellor and an NCR registered debt counselor?
Nothing. Counsellor is the South African and British spelling and counselor is the American spelling. Both refer to the same NCR-registered role. Debt365 (NCRDC2403) is registered under either term.
What happens if I use an unregistered debt counsellor?
You lose legal protection under the National Credit Act. Unregistered operators cannot legally apply for statutory protection, negotiate binding restructuring, or issue a valid clearance certificate.
Does Debt365 operate in my province?
Yes. Debt365 operates nationwide across all nine South African provinces.
Verify Your Debt Counsellor. Then Get a Free Assessment.
Now that you’ve confirmed Debt365 is a genuine, NCR-registered practice, take the next step toward legal debt relief.
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