1. Costs – No Win No Fee!

Having long standing relationships with all our overseas partners we have agreements to provide these services on a NO WIN NO FEE basis charging the agreed commission rate against monies recovered only.

2. Coverage in South Africa

We cover all of 9 provinces in South Africa with our head office in Cape Town.


3. Local Experience

Unlike many of our competitors all cases are handled by the local office or partner. The reasons for this are they speak the debtors’ language in this case of South Africa this is vital as there are 11 official languages. They are Afrikaans, English, Ndebele, Northern Sotho, Sotho, Swazi, Tswana, Tsonga, Venda, Xhosa and Zulu. We understand the local cultures and know all the legal processes. These are reasons why Creditreform are the ideal people to help you in collecting debts from overseas.

4. Statute of Limitation in South Africa

3 years but there are exemptions so whatever the age please contact us and we will advise if we can assist with your claim.


How to Instruct Us

We simply require the following details:


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South Africa Debt Collection Service – No Win No Fee

With international debt collection partners and offices worldwide we have an international debt collection agency  partner in every country all operating on a No Win No Fee basis charging an agreed commission against monies recovered only. Each country has unique specific laws, languages and methods that need to be adhered to and South Africa is no different. Time zones can also play a very important part of the debt collection process especially where there are many hours difference to the UK. Trying to communicate with a debtor in Australia from a UK office is virtually impossible unless you are operating a 24/7 service.

Our international debt collection partner in South Africa has many years experience and knowledge in the debt collection industry.


Herewith details of our South Africa debt collection services:

–       Location of office(s)
Cape Town – but we use a national network of attorneys.

–       Number of staff

–       How long been operating in South Africa?
18 years

–       Type of debts you do recover?
Do you do commercial (B2B) and consumer (B2C)?-Commercial and Consumer

–       Statute of limitation in South Africa
A consumer has who has not made any payments/acknowledged the debt directly or indirectly for the time periods specified below: Personal loans, credit cards, retail accounts and vehicle loans: three years. Mortgage loans, debts by court orders and money owed to the South African Revenue Service (SARS): 30 years.

–       What is the process in South Africa?
The National Debt Collection Act 114 of 1998 regulates the process of collecting debts in SA.

–       Average length of time to collect?
Difficult to say as each case is different.

–       Can fees / interest be added to claims?
A debt collector may only collect the capital amount of the debt handed over, lawful interest, and the collector’s administrators fee and expenses. The National Council for Debt Collectors structures the fees that can be charged by a debt collector.

–       Legal service / process in South Africa
The legal process is costly and time consuming.
The process is as follows:  Letter of Demand, Summons, Default Judgement, Warrant of Execution


Creditreform having international debt collection agency partners locally based in every country sets us aside from the competition and enables us to achieve a far greater success rate than just trying to recover debts from a single UK office. A local partner that speaks the language and knows the laws and is in the same time zone as the debtor is far more likely to recover your money.

As we operate on a no win no fee basis charging competitive commission rates against monies recovered only your international debts are safe in our hands.

“We are pleased with the friendly and efficient service of Adrian Harding and staff at Creditreform in collecting outstanding overdue debts on our behalf. Some accounts, especially those located overseas have been difficult customers but we are pleased with the high rate of success. We also appreciate that they keep us informed and constantly updated on the progress of the collection”
Bryan de Beer, Phoenix Fragrances
“Within 48hrs of Creditreform being involved a resolution was agreed and within the week paid in full. The professionalism of the Creditreform team was second to none and I would and indeed do recommend them to colleagues in a similar difficult position This situation was the first time we have had to employ a company for debt recovery and it was good to feel that you have someone else ‘on your side’.”
Dean Lake, Lake Contracts
“We have been using Credit Reform for a number of years now and we have always been dealt with in a professional and friendly way. Over time, Creditreform have managed to achieve good results for us. Would definitely recommend.”
Anna Zhakrova, Catering Hygiene Specialists Ltd
“I have worked with Creditreform for many years and always received a first class service. Keep up the good work”
Russell Hardwick, MSC Industrial