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Contact our financial debt experts for a free consultation and credit check, so you can get the help you need straight away.

Octogen is SA's leading Debt Counselling company.

Our goal is to help you reduce your debt and improve your financial position. Through our 6-step debt-review process, we have helped thousands of South Africans break the cycle of bad debt. At Octogen we’re different because we care. Our team will take the time to understand your financial situation and guide you to the best debt solution for your needs.

Try our calculator below to see how we can help you to become debt free.

I WANT TO

Income - R 0

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Other Income

Expenses - R 0

Living expenses - R 0

Accomodation (incl rent, levies, water & electricity, rates & taxes, security, etc.)

Groceries

Transport (incl fuel)

Telephone

School fees

Other (eg. domestic worker)

Financial services - R 0

Insurance

Medical aid

Other (eg savings, annuity, etc.)

Creditor payments - R0

Home loan

Vehicle loan

Personal loan

Retailer accounts

Credit Cards

Overdraft

Other creditors

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Review living expenses as it appears to not be sufficient to maintain a healthy living.

Who we are

The Octogen group have been involved with Financial Wellbeing since 2002 & Debt Counselling since 2009. We are registered with National Credit Regulator (NCR) for Debt Counselling & Alternative Dispute Resolution.

Octogen employs in excess of 200 staff, including 80 Financial Wellbeing Consultants & 30 Debt Counsellors. We have inhouse qualified attorneys, paralegal, legal practitioners, collections & recoveries to assist with individual or company employee debt.

Debt Review Awards

Top 5 Winners as National Debt Counselling Firm in:

2015

2016

2017

2018

2019

2021

Debt Review Benefits

You pay only one reduced affordable monthly instalment.

You save on interest and fees.

You have a new budget to pay for all your living expenses and you can breathe again.

Credit Providers cannot repossess your home or car. We will safeguard your assets if you speak to us early on, and where they have not initiated legal action.

You will be protected against legal action.

You will not pay any fees upfront. The National Credit Regulator (NCR) regulates all fees applicable.

We speak to your creditors and we will negotiate an affordable repayment.

The freedom of money in your pocket again!

Debt Review Statistics

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Years’ Experience
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Registered Debt Counsellors
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Debt Review terms on average
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People Assisted

Take a breath of Octogen

Financial Wellbeing

We will assist you to find a solution that will improve your financial wellbeing in years to come. Be smart, ask a question and get your financial score,
and guidance to improve it.

Budget Repair Service

 Our qualified Financial Coaches can help you to analyse your budget and suggest spending behaviour changes to improve your Cash Flow and Credit Score.

Debt Counselling

Start your debt repayment plan today. Debt Review will allow you to structure your budget and enable you to repay your debt under the protection of the National Credit Act (NCA).

Alternative Dispute Resolution

We can help you to save your house or vehicle, resolve a credit dispute, check for reckless credit  prescription and overcharging, or when you are in arrears re-negotiate a payment plan.

Financial Wellbeing

We will assist you to find a solution that will improve your financial wellbeing in years to come. Be smart, ask a question and get your financial score and how to improve it.

Debt Counselling

Start your debt repayment plan today. Debt Review will allow you to structure your budget and enable you to repay your debt under the protection of the National Credit Act (NCA).

Budget Repair Service

 Our qualified Financial Coaches can help you to analyse your budget and suggest spending behaviour changes to improve your Cash Flow and Credit Score..

Alternative Dispute Resolution

We can help you to save your house or vehicle, resolve a credit dispute, check for Reckless Credit, Prescription and Overcharging or when you are in arrears re-negotiate a payment plan.

Corporate Packages

Empower employees to take control of their finances and get out of debt

Corporate Packages

Whether you require help as an individual or you feel your employees require an understanding and guidance on how to manage their debt, chat to us.

As an employer you have the ability to change a live forever. Your employees are valued not only through a salary payment, but also through guidance and life lessions.
At Octogen we have Financial Coaches who can help you to analyse budget and spending patterns, and suggest spending behaviour changes to improve
their Cash Flow and Credit Score.

Debt Counselling Process

Click on the steps for more details:

Complete application document

Assess client’s financial position

Consumer applies for debt counselling by completing a Form 16 and by submitting relevant documentation. DC inform credit providers and credit bureaus of debt counselling application by issuing a Form 17.1 within five (5) business days of accepting application from consumer. Credit Providers will update debt counsellor of credit agreement(s) specific information by means of a Certificate of Balance (COB) within five (5) business days of receiving Form 17.1 notification.

Negotiate new repayment amounts

Restructure repayment plans

Consumer applies for debt counselling by completing a Form 16 and by submitting relevant documentation. DC inform credit providers and credit bureaus of debt counselling application by issuing a Form 17.1 within five (5) business days of accepting application from consumer. Credit Providers will update debt counsellor of credit agreement(s) specific information by means of a Certificate of Balance (COB) within five (5) business days of receiving Form 17.1 notification.

Pay monthly according to new budget

Complete debt review exercise and receive clearance certificate

TESTIMONIALS

Success Stories

Debt-Free-Kupido
Ek was baie gestress en het nie geweet watter kant toe nie met al my skuld. Ek het vir Marlize van Octogen ontmoet en sy het my baie goed behandel en gehelp.
Ek is baie verlig want ek is skuldvry. Dankie vir Marlize en Octogen vir die goeie diens.
Felicity-Ann
Vredenburg
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I am very happy to have paid up all my debt. Now I can start all over debt free.
Sibusiso
Nelspruit
Kuilsriver
Ek het skuld gehad en Octogen het my gehelp en ek is hoogstevrede. Jy hoef nie twee keer te dink om aansoek by hulle te doen nie. Baie dankie.
Pieter
Kuilsriver
Gcinikhaya
Dankie Octogen en Marelize vir die hulp en moeite om my naam skoon te maak by die Krediet Bureau. Ek sal mense wat in dieselfde posisie is vir julle aanbeveel. Dankie vir die mens wat jy is Marelize en dankie uit die diepte van my hart.
Gcinikhaya
Vredenburg
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I really appreciate your services. Thank you very much.
John
Bloemfontein
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It is liberating to know that I am debt free and I am very thankful to Octogen for helping me get back on my feet. I now can take care of my family without any problems and I am very grateful for the financial advice I received from the agents, I am now equipped for Life.
Jekina
Pretoria
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Thank you very much Octogen for the good service throughout my difficult financial times.
Bongani
Newcastle

Corporate service

Empower employees to take control of their finances and get out of debt

Now employees can deal with their debt

Debt is one of the most challenging financial issues facing most South Africans today. But it doesn’t have to be. Octogen has a unique and effective debt management system that combines cutting-edge technology with personal coaching – all focused on helping employees take control of their finances and get out of debt.

FREE CONSULTATION

Let us call you!

Stay informed! Visit the SA Department of Health’s website for COVID-19 updates: sacoronavirus.co.za