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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:


Or ask us to call you – just leave us your details:


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.

Main reasons why a local country debt recovery agency is so important rather than trying to recover from a debt collection agency UK are as follows:

The local International Debt collection Partners know:

  1. The local cultures
  2. The languages
  3. The laws
  4. Are in the same time zones


Herewith details of our debt collection service South Africa:

Location of debt recovery office in South Africa?

Cape Town – but we use a national network of attorneys.

Number of debt collection staff?


How long have you been operating a debt recovery service in South Africa?

18 years

What type of debt collection services do you provide? Do you do commercial debt recovery (B2B) and consumer debt recovery (B2C)?

Do you do commercial (B2B) and consumer (B2C)?-Commercial and Consumer

Statue 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 debt collection 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 a debt?

Difficult to say as each case is different.

Can late payment fees / interest to 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.

Details on 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

Specialist Debt Recovery Experts

There are many unique requirements to recovering international debts in all countries including South Africa debt collection services which differ from the UK and therefore it is very important that cases are handled directly by our expert international debt collection agencies and not from the Debt collectors UK. This method of international debt collection sets Creditreform aside from the competition who in many cases try and recover debts from a UK debt collector only. Using the local offices and partners enables us to achieve a far greater success rate and our No Win No Fee service together with competitive commission rates against monies recovered only ensures you get the best service.


“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