If a debt counsellor finds that a consumer is not over-indebted and makes a finding in terms of section 86(7)(a) of the Act, the debt counsellor must provide the consumer with a letter of rejection, containing the following information:
||Consumer’s full names, surname and identity number, if the consumer does not have an identity number, the passport and date of birth;
||Name, contact details and NCR registration number of debt counsellor;
||The basis for finding the consumer not to be over-indebted, including—
||calculated income considered;
||statutory and other deductions considered;
||living expenses considered;
||other debts considered.
||A copy of the assessment form.
||A statement advising the consumer of his/her right to approach the court in terms of section 86(9) within 20 business days for an order to be declared over-indebted, have agreements declared reckless and/or restructuring of his/her debt obligations.
||A statement advising the consumer that the application for debt review will be removed from all registered credit bureaux within 5 business days which will result in credit providers being entitled to take legal steps against the consumer.