23 ANNEXURE A 3.5 Behaviour proposed by payment distribution agencies We propose that PDDAs that do not already do so behave as follows and that these provisions be included in a code of conduct for PDAs: PDAs should ensure that they verify the validity of the account data to which payments are to be made. If LDCs submit monthly consumer returns with consumer information reflecting collection and distribution details, LDCs should ensure that payments are made quickly. 4. Compliance, Reporting and Implementation The work team has so far relied on anecdotal information that was not supported by statistical information or sufficient information on certain violations relating to the undesirable practices of the role players involved. It recognizes that part of the solution to the current problems is to ensure that such practices are identified and reduced. All role-playing groups referred to in paragraph 3 are encouraged to ensure that they are not guilty of the conduct covered by paragraph 3 of this article or to take corrective action immediately when they do so and to express their full support for the proposed codes of conduct. 10 Already in 2009, the NCR organized a task force of credit providers, debt advisors and retailers to jointly identify problems related to debt review. At that time, there were many major problems tormenting the process. The task force team developed a report that not only identified the problems, but also tried to propose ways to solve the problem. The report and proposals elicited mixed reactions from industry.
30 ANNEXURE B 2.3 To ensure that not all debts are passed on to one of the parties, while the couple continues to live on a large surplus of the other partner. Include all revenues When a consumer asks for debt advice, all consumer income must be taken into account. Section 78, paragraph 3, this section includes financial resources, perspectives and obligations for a potential consumer: (a) income or entitle to income, regardless of the source, frequency or regularity of that income, with the exception of income received by the potential consumer, who trusts or trusts another person; (b) the financial means, prospects and obligations of any adult in the immediate family or consumer household, as long as the consumer or potential consumer and that other person share their respective financial resources; and mutually assume their respective financial obligations; and (c) where the consumer has or had a commercial purpose to request or enter into a particular credit contract, the future revenues reasonably estimated from that commercial objective.