Business, Commerce and Management Studies Office Administration

Debtor Correspondence Compliance With South African Legislation Training

SAQA US 116598 | NQF 4 | Credits 6 | Duration 3 Days
From $967 per delegate

Description

This course equips learners with the knowledge and skills to manage debtor correspondence in compliance with South African legislation, including the National Credit Act and the Consumer Protection Act. Participants will learn to draft legally compliant letters, manage collections ethically, and ensure adherence to statutory requirements, reducing legal risk for their organisations.

Learning Outcomes

  • Apply the principles of the National Credit Act (NCA) and Consumer Protection Act (CPA) to debtor correspondence.
  • Draft legally compliant demand letters, notices, and statements that adhere to prescribed formats and content requirements.
  • Implement procedures for collecting outstanding debts while respecting debtor rights and privacy.
  • Evaluate debtor responses and determine appropriate escalation actions within legal frameworks.
  • Demonstrate accurate record-keeping and documentation of all debtor communications for audit and compliance purposes.

Target Audience

This course is designed for credit controllers, accounts receivable clerks, debt collectors, and financial administrators who handle debtor correspondence and collections within South African organisations.

Prerequisites

None — open enrollment.

Course Outline

Day 1: Foundations of Debtor Correspondence and Legal Framework

Objectives:
• Understand the role of debtor correspondence in the credit lifecycle.
• Identify key South African legislation governing debt collection and correspondence.
• Differentiate between pre-legal, legal, and post-judgment correspondence requirements.
• Recognise the consequences of non-compliance with relevant acts.

Topics:
• Overview of the National Credit Act (NCA) and its impact on debtor communication.
• Introduction to the Consumer Protection Act (CPA) and fair treatment of debtors.
• The Debt Collectors Act and requirements for registered debt collectors.
• Prescription periods under the Prescription Act and their effect on correspondence.
• Types of debtor correspondence: reminders, letters of demand, summons, and settlement offers.
• Key elements of a compliant letter of demand: contents, format, and delivery methods.
• Practical exercise: Identifying legislative requirements in sample correspondence.

Day 2: Drafting Compliant Correspondence and Handling Responses

Objectives:
• Draft debtor correspondence that meets NCA and CPA requirements.
• Apply correct procedures for serving documents and maintaining records.
• Manage debtor responses, disputes, and requests for information.
• Handle special cases: deceased estates, sequestrations, and minors.

Topics:
• Step-by-step drafting of a compliant letter of demand.
• Incorporating required disclosures: interest rates, default notices, and debt review rights.
• Service of documents: registered mail, email, and hand delivery with proof.
• Record-keeping obligations under the NCA and Protection of Personal Information Act (POPIA).
• Responding to debtor disputes and requests for debt review.
• Handling correspondence with third parties: attorneys, debt counsellors, and family members.
• Special scenarios: deceased estates, insolvency, and minors.
• Practical exercise: Drafting and peer-reviewing a letter of demand.

Day 3: Advanced Compliance, Ethics, and Practical Integration

Objectives:
• Evaluate correspondence for compliance with all relevant legislation.
• Apply ethical considerations in debtor communication.
• Integrate compliance into organisational policies and procedures.
• Prepare for audits and manage non-compliance risks.

Topics:
• Comprehensive compliance checklist for debtor correspondence.
• Ethical communication: avoiding harassment, misleading statements, and unfair practices.
• POPIA compliance: protecting debtor personal information in correspondence.
• Audit preparation: documenting processes and maintaining evidence of compliance.
• Case studies: analysing real-world compliance failures and their consequences.
• Developing a compliance manual for debtor correspondence.
• Role-play: handling difficult debtor interactions while remaining compliant.
• Final assessment: drafting and reviewing a complete set of compliant correspondence.

Practicals

No practicals for this training.

This course is made up of exercises and case studies delivered alongside the theory — no separate practical sessions are required to complete it.

Summatives

Each delegate is assessed continuously throughout the course and a final summative test at the end.

Daily Exercises — 30%

Every training day ends with a multiple-choice exercise scored out of 100%. The scores from each daily exercise are averaged across the duration of the course to produce a Daily Average mark, which contributes 30% to the final total.

Final Test — 70%

On the last day a final summative test is written. It is a multiple-choice paper with multiple-answer questions: each question may have more than one correct option, and a single wrong selection on a question marks the entire question wrong — no partial credit. The final test is scored out of 100% and contributes 70% to the overall mark.

Final Total
Component Out of Weight
Daily Average (multiple choice) 100% 30%
Final Test (multi-answer multiple choice) 100% 70%
Final Total 100%

All marks are recorded on the AATICD LMS and visible to each learner under their account.

Certificate

Certificate of Completion

Awarded to delegates who achieve an overall mark of 50% or higher on the Final Total (Daily Average 30% + Final Test 70%).

How it works
  • Certificates are auto-generated on the AATICD LMS as soon as the marks pass the 50% threshold.
  • Each certificate is a branded PDF with the delegate's name, the course title, the unit standard ID, NQF level, credits, and the date of issue.
  • You can download or print your certificate from your LMS dashboard at any time after issue — there's no reissue fee and no expiry date.
  • If you scored under 50% you can sit the final test again at the next scheduled session at no extra cost.
Where to find it

Sign in to the LMS, open your dashboard, and your certificates appear under My Certificates. Each entry has a View / Download button and a print option.

Training Discounts

Group discounts apply automatically — the more delegates you enrol, the greater the saving. Discounts are calculated at 3% per 5 delegates, scaling up to 40% off for 100+ delegates.

Delegates Discount
5 3% off
10 6% off
15 9% off
20 12% off
25 15% off
30 18% off
50 30% off
75 35% off
100 40% off

3% discount per 5 delegates, up to 40% off for 100+ delegates. Contact us for a custom group quote.

Upcoming Training Sessions
Online training — attend live sessions from anywhere via our virtual classroom.
Start End Delivery Season Price Action
Tue 08 Sep 2026 Thu 10 Sep 2026 Virtual Spring 2026 $967 Register
Mon 28 Sep 2026 Wed 30 Sep 2026 Virtual Spring 2026 $967 Register
Wed 21 Oct 2026 Fri 23 Oct 2026 Virtual Spring 2026 $967 Register
Tue 08 Dec 2026 Thu 10 Dec 2026 Virtual Summer 2026 $967 Register
Mon 11 Jan 2027 Wed 13 Jan 2027 Virtual Summer 2026 $967 Register
Wed 17 Feb 2027 Fri 19 Feb 2027 Virtual Summer 2026 $967 Register
Tue 02 Mar 2027 Thu 04 Mar 2027 Virtual Autumn 2027 $967 Register
Mon 08 Mar 2027 Wed 10 Mar 2027 Virtual Autumn 2027 $967 Register
Wed 17 Mar 2027 Fri 19 Mar 2027 Virtual Autumn 2027 $967 Register
Tue 08 Jun 2027 Thu 10 Jun 2027 Virtual Winter 2027 $967 Register
Mon 28 Jun 2027 Wed 30 Jun 2027 Virtual Winter 2027 $967 Register
Wed 21 Jul 2027 Fri 23 Jul 2027 Virtual Winter 2027 $967 Register
Tue 07 Sep 2027 Thu 09 Sep 2027 Virtual Spring 2027 $967 Register
Mon 27 Sep 2027 Wed 29 Sep 2027 Virtual Spring 2027 $967 Register
Wed 20 Oct 2027 Fri 22 Oct 2027 Virtual Spring 2027 $967 Register
Tue 07 Dec 2027 Thu 09 Dec 2027 Virtual Summer 2027 $967 Register
Mon 27 Dec 2027 Wed 29 Dec 2027 Virtual Summer 2027 $967 Register
Wed 19 Jan 2028 Fri 21 Jan 2028 Virtual Summer 2027 $967 Register
On-Campus training — face-to-face sessions at our training venues across Africa and beyond.
Showing all 492 sessions across 26 venues
Start End Venue Season Price Action
Mon 10 Aug 2026 Wed 12 Aug 2026 Pretoria, South Africa Winter 2026 $1,447 Register
Mon 10 Aug 2026 Wed 12 Aug 2026 Mauritius Winter 2026 $3,148 Register
Tue 11 Aug 2026 Thu 13 Aug 2026 Abu Dhabi, UAE Winter 2026 $4,552 Register
Tue 11 Aug 2026 Thu 13 Aug 2026 Cape Town, South Africa Winter 2026 $2,392 Register
Wed 12 Aug 2026 Fri 14 Aug 2026 Durban, South Africa Winter 2026 $2,230 Register
In-House training — we bring the trainer to your organisation, tailored to your team.
Start End Delivery Season Price Action
Wed 16 Sep 2026 Fri 18 Sep 2026 Your Premises Spring 2026 $1,258 Register
Tue 06 Oct 2026 Thu 08 Oct 2026 Your Premises Spring 2026 $1,258 Register
Mon 26 Oct 2026 Wed 28 Oct 2026 Your Premises Spring 2026 $1,258 Register
Wed 16 Dec 2026 Fri 18 Dec 2026 Your Premises Summer 2026 $1,258 Register
Tue 19 Jan 2027 Thu 21 Jan 2027 Your Premises Summer 2026 $1,258 Register
Mon 22 Feb 2027 Wed 24 Feb 2027 Your Premises Summer 2026 $1,258 Register
Wed 10 Mar 2027 Fri 12 Mar 2027 Your Premises Autumn 2027 $1,258 Register
Tue 16 Mar 2027 Thu 18 Mar 2027 Your Premises Autumn 2027 $1,258 Register
Mon 22 Mar 2027 Wed 24 Mar 2027 Your Premises Autumn 2027 $1,258 Register
Wed 16 Jun 2027 Fri 18 Jun 2027 Your Premises Winter 2027 $1,258 Register
Tue 06 Jul 2027 Thu 08 Jul 2027 Your Premises Winter 2027 $1,258 Register
Mon 26 Jul 2027 Wed 28 Jul 2027 Your Premises Winter 2027 $1,258 Register
Wed 15 Sep 2027 Fri 17 Sep 2027 Your Premises Spring 2027 $1,258 Register
Tue 05 Oct 2027 Thu 07 Oct 2027 Your Premises Spring 2027 $1,258 Register
Mon 25 Oct 2027 Wed 27 Oct 2027 Your Premises Spring 2027 $1,258 Register
Wed 15 Dec 2027 Fri 17 Dec 2027 Your Premises Summer 2027 $1,258 Register
Tue 04 Jan 2028 Thu 06 Jan 2028 Your Premises Summer 2027 $1,258 Register
Mon 24 Jan 2028 Wed 26 Jan 2028 Your Premises Summer 2027 $1,258 Register
Training Discounts
Delegates Discount
5 3% off
10 6% off
15 9% off
20 12% off
25 15% off
30 18% off
50 30% off
75 35% off
100 40% off

3% off per 5 delegates, up to 40% for 100+

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