Take control of your financial wellness — tools designed to save you money and protect what's yours.
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Please review and accept the following to continue with your application.
Each one is a complete piece of work — start it, finish it, and we keep it as a live product you can manage from here. We've suggested an order. You can pick your own.
We found it. We can fix it.
R 298 back every month.
When you took these loans, the bank added insurance to them. You signed for it — but probably weren’t told what it was, what it cost, or that you could replace it.
If you die, become disabled, or are retrenched — your loans get paid. Without it, your family inherits the debt, or you lose your job and lose your loan too.
It’s worth having. Just not at this price.
Theirs is expensive.
Ours is cheaper — and does more.
We turn expensive bank insurance into a real life policy that protects your family — while your loans are still fully covered.
This offer is underwritten by Guardrisk Life Insurance Company Limited, an authorised long-term insurer and cell captive. EmpowerFS (Pty) Ltd (FSP 53395) acts as the intermediary. Cover commences from the date of first premium payment.
We're pulling your credit data and calculating your personalised savings. This takes just a moment.
Three meaningful things sorted. Real money saved. Two letters queued. Now we go wider — your full financial picture.
Most people end up here without realising. Upload 3 months of statements — we'll work out which one to keep and cancel the others.
PDF format · Up to 3 files · Max 20MB each
Scanning 3 months of transactions. We'll flag everything that looks suspicious.
We've already worked out what each one is. Just confirm we got it right — or tell us if we're off.
Your deductions: two funeral policies + one short-term. Starting with funeral. Short-term handled separately.
We will deal with your Discovery Insure short-term policy separately after we have sorted your funeral cover consolidation.
We are generating a replacement quote on these policies with the aim of saving you money, while not diminishing your cover amount — and waiving waiting periods where already served.
| Name | Rel. | Current R | Proposed R | Increase | Waiting |
|---|---|---|---|---|---|
| Hambisani Mahlangu | Main | 10 061 | 15 061 | +5 000 | Waived |
| Loyiso Mahlangu | Extended | 21 218 | 26 218 | +5 000 | Waived |
| Bonakele Mahlangu | Extended | 5 305 | 10 305 | +5 000 | Waived |
| Clemmentine Mahlangu | Extended | 10 231 | 15 231 | +5 000 | Waived |
| Mavis M Mahlangu | Extended | 10 231 | 15 231 | +5 000 | Waived |
| Msibi Mahlangu | Extended | 10 231 | 15 231 | +5 000 | Waived |
| Diyanda Mahlangu | Extended | 10 231 | 15 231 | +5 000 | Waived |
| Total Premiums | R 580 | R 389 | |||
| Premium Saving | R 191 / month | ||||
← Scroll table to see all columns →
Underwritten by Guardrisk Insurance (FSP 53395), reinsured by Munich Re.
We are reading your Hollard and Clientele policy documents to pull through all lives covered, cover amounts and waiting period history.
Extracted from your policy schedules — edit or add lives as needed.
Please confirm or update the beneficiary details for your new consolidated policy below.
Before you sign, take a moment to see the full picture. Real numbers. Real savings.
Your existing policies remain active until your new Guardrisk policy is live and first payment confirmed. EmpowerFS FSP 53395.
OTP sent to 078 014 7540 — check your SMS inbox. Valid for 10 minutes.
R8,750.17 a month is serious money. Before we touch anything, we read the policy carefully. We audit first. We only recommend a change if it genuinely makes sense for you.
PDF format · The policy schedule or quotation document
We are extracting every detail from your policy document and running a structured audit against your actual risk profile.
Plan 4003839628 · Started 20 Feb 2024 · Monthly debit order · Discovery Bank
Your Discovery Sport shows "tracking device required: Yes" but also says "no tracking device." Discovery's conditions mean there is no theft or hijack cover if the required tracker is not installed and active.
If a financed vehicle is written off, the insurance payout and what the bank wants are not always the same amount. On a newer vehicle financed through Investec, this needs a proper check.
Our audit checks every component, not just the total. Paying for something unused is avoidable leakage.
Simple questions · live results
Answer honestly. The point is not to defend the current policy — the point is to see whether it is safe.
This is not about reading policy jargon. It is about whether your current setup is strong enough when something goes wrong.
Insurers only accept cancellation notices that come from the policyholder's email address — yours. Sign in once and we'll send them on your behalf, automatically.
When you sign in, you'll see a Google permission screen. We're only requesting the ability to send these specific cancellation emails on your behalf — nothing else. We never read your inbox.
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R8,750.17 a month is serious money. We audit first. We only recommend a change if it genuinely makes sense.
PDF format · The policy schedule or quotation document
We are extracting every detail and running a structured audit against your risk profile.
Plan 4003839628 · Started 20 Feb 2024 · Monthly debit · Discovery Bank
Your Discovery Sport shows "tracking device required: Yes" but also "no tracking device." Without an active tracker, there is no theft or hijack cover.
On a financed vehicle, the insurance payout and bank settlement are not always the same amount. This needs checking.
Our audit checks every component, not just the total. Paying for something unused is avoidable leakage.
Simple questions · live results
Answer honestly — the point is to see whether your cover is safe.
Whether your current setup is strong enough when something goes wrong.
We can now check whether a safer or more efficient structure exists at a better price.
Someone may be trying to collect money they are legally not allowed to touch. We checked your credit profile and found one account that looks like it has prescribed.
Do not make any payment on this account before reviewing — even a small payment can restart the 3-year prescription clock.
We'll challenge Truworths to prove it hasn't — with the goal of removing it from your credit profile.
We will prepare the challenge letter now — it is sent later alongside your other correspondence.
⚠️ Do not make any payment before the challenge is sent — it resets the clock.
Read through it — it will be sent from your email at the end of your journey alongside your other notices.
WITHOUT PREJUDICE
Dear Truworths Credit Collections,
I refer to account reference TW-2019-448832, reflecting a balance of R6 850.00 on my credit profile.
I have reason to believe this debt has prescribed in terms of the Prescription Act 68 of 1969. My records indicate that no payment has been made and no written acknowledgement of liability has occurred in more than three years.
I hereby formally challenge this account on the grounds of prescription and request that within 20 business days you provide either:
1. Proof of the last payment made, or a written acknowledgement of debt signed by me; or
2. Written confirmation that the debt has prescribed, and a formal instruction to all credit bureaus to remove this listing from my credit profile.
Should you fail to respond within the stipulated period, or fail to provide the required proof, I will treat the debt as prescribed and escalate directly to the relevant credit bureaus and the National Credit Regulator (NCR).
Yours faithfully,
Hambisani Mahlangu
ID: 8210131234567 · 078 014 7540
Next we'll sign in to your Gmail so we can send this letter from your own email — that's how Truworths confirms it came from you.
You're not handing your debt to anyone. No flag on your credit bureau. No legal block on future credit. You decide what to offer. You deal with creditors directly. We just give you the tools.
Take one new loan to pay off all the old ones.
A third party manages your payments to creditors.
You can't pay the full amount. They know that. So you offer them what you can actually afford — as full and final settlement. Pay it off over 18 months. The rest gets written off. The accounts close. You move on.
Why would they say yes? Because something is better than nothing. They'd rather get a real offer they can collect than chase you for years for an amount you can't pay.
One honest number. After your essentials. After what you're already paying. No guessing. No overpromising.
Each creditor gets their share, based on what their loan originally cost you. No favourites. No games.
Same letter to every creditor, same day. "Accept this amount as full and final settlement. The rest gets written off. The account closes."
If they all accept — your debt is settled in 18 months. If one says no — the deal doesn't hold. That's when the law has your back — there's a protection most people don't know exists. We'll walk you through it if it comes to that.
You don't need permission to deal with your debt.
You just need to do it properly.
These are running fine. Keep them sacred. Whatever you commit next is on top of this.
For 18 months. Just one number — we'll work out the rest behind the scenes.
We'll split this across your loans based on what each one was originally costing you per month.
For unsecured debt, the law gives you a way out — but only if specific conditions are met. We'll walk you through your accounts, the timing, and exactly what to do (and what never to do).
You're not picking favourites. You're showing them exactly what you can afford — split fairly across all your debt.
We'll send these from your Gmail — that's how creditors confirm the letter came from you. They have 30 days to respond. We'll let you know the moment any reply comes in.
This is a different game. Miss enough payments and the bank can come for the car — even with a court order, even on a Saturday morning. Time matters here.
At 3+ months in arrears, the bank issues a Section 129 notice. After that, they can take you to court and repossess the vehicle. We need to figure out the right move — now.
The right move depends on this answer. Be honest with yourself.
I had unexpected expenses, a delayed bonus, a once-off thing. I can catch up the arrears within the next 1–2 months and get back on track.
Income's not what it was, expenses keep rising, the instalment is genuinely beyond what I can afford right now. This isn't going to fix itself.
Banks would rather get paid late than repossess. Call Wesbank's collections line, tell them when you can catch up, and ask them to hold off on Section 129 while you do.
Wesbank Collections: 0860 234 678. Have your account number ready.
"I can clear the arrears by [date] and resume normal instalments after that."
Ask them to email you the agreed catch-up plan. Keep it on file.
Heads up: if 2 months becomes 4, this stops being a blip. Come back if things change — we'll have other options.
For unsecured debt — credit cards, store accounts, personal loans — debt review is a trap. We hold that. But you have an asset at risk now. That changes the math.
NCR "under review" flag on your bureau. Locked in until every debt (except the home loan) is paid off — could be years. No new credit during that time.
You keep the car. The debt counsellor negotiates a reduced instalment that fits your actual budget. Wesbank can't repossess while you're under review and paying the agreed amount. Legal protection across all your debt.
Worth it? If losing the car would hit harder than years of restricted credit — yes. For most people in this situation, it is.
We can refer you to a vetted debt counsellor we work with. They'll handle the application, deal with Wesbank, and negotiate across all your accounts.
Your credit profile shows you've been placed under debt review by Sigma Debt Counsellors. We need to confirm a few things — because this isn't a small flag.
Did you sign a Form 16, knowingly apply, and understand what you were signing up for?
Every debt under review must be settled in full — except your home loan, which can stay on its renegotiated terms. Until that happens, the flag stays.
Not a credit card. Not a clothing account. Not a phone contract on credit. Until you exit, every credit application you make will be declined.
Don't try to pay creditors directly while under review — it complicates the case. Pay through Sigma until you're cleared.
A debt counsellor placing someone under review without informed consent is a breach of NCR rules. You file a complaint. They investigate. The flag comes off if you're right.
Stating you never consented, the flag is harming your access to credit, and you're requesting investigation and removal.
Sent direct to complaints@ncr.org.za with you copied. We don't speak for you — you sign your own complaint.
The NCR has 30 days to respond. We monitor and ping you when there's news.
Subject: Complaint — debt review placed without consent — Hambisani Mahlangu (ID 8210131234567)
To the National Credit Regulator,
I am writing to lodge a formal complaint against Sigma Debt Counsellors (NCR registration unknown), who placed me under debt review without my informed consent.
I have only become aware of this because the flag is showing on my credit bureau record and is preventing me from accessing legitimate credit.
I never signed a Form 16. I never agreed to be placed under debt review. I do not know how this happened.
This has materially harmed me — I have been declined for credit applications, including basic services that require a credit check, on the basis of a status I did not consent to.
I am requesting:
• An investigation into Sigma Debt Counsellors' conduct in placing me under review
• Immediate removal of the debt review flag from my credit profile
• Confirmation in writing of the outcome
I am happy to provide any further information needed.
Yours faithfully,
Hambisani Mahlangu
078 014 7540 · hambisani.mahlangu@gmail.com
This product is for people who don't have funeral cover. If you already do, we'll route you to a different fix instead of selling you another policy.
Three months of statements, looked at by us, returned with a one-line answer: cover detected, or not.
We don't sell first and check later. We check first, and only then sell you something that fits.
Three months of recent statements (PDF). We'll scan only for funeral insurance debits — nothing else gets stored or shared.
Looking for funeral insurance debits
Let's be honest about where you are.
So this is not credit.
This is an insurance product that pays a lump-sum benefit on the death of a covered life. It is not an investment or savings product. Claims subject to policy terms.
Money lands in your bank account. You owe nothing back.
No middleman, no funeral parlour controlling the funds.
No bureau check. No affordability test. No effect on your credit score.
We don't tell you how to use the money. Once it pays, it's yours.
Six-month waiting period applies. Premiums vary by age and cover selected.
It's not about "returns".
It's about access to cash without borrowing.
Add the people you want to cover. We'll show your estimated monthly premium before you commit to anything.
No one added yet. Start by adding the policyholder — usually you.
Premiums shown are estimates only — final pricing confirmed at policy application. Six-month waiting period applies.
Check it carefully. Nothing's binding until you sign.
When a covered life passes away, this is the person who'll receive the cash. You can change this any time after the policy starts.
Most policyholders nominate themselves. When the money lands in your account, you decide what happens — funeral arrangements, debt, family support, savings.
Premiums get debited from this account each month. Claims get paid into the same account, unless you tell us otherwise.
Pick the day of the month that suits your salary cycle.
A debit order mandate gives the insurer permission to collect your monthly premium from your bank account. It's the standard way insurance is paid in South Africa.
I, Hambisani Mahlangu (ID 8210131234567), authorise the debiting of my Capitec Bank account ending 4382 for the monthly premium of my Funeral Cash Benefit Policy, on the 25th of each month.
I understand that:
Sent to •••• •••• 7540. Enter the 6-digit code to sign your application.
By entering this OTP you are: applying for the policy, authorising the debit order, and confirming you've read the disclosures. The first debit will run on your chosen date.
Application signed. Policy issued.
A cheaper loan to settle an existing one — but only if it actually frees up money in your pocket each month. Not a longer term that pretends to help.
Stretch your loan term so the monthly looks lower. You pay more in interest, for longer. That's "consolidation" — and it's how the industry traps people.
Find a cheaper loan that genuinely costs you less per month — at the same or shorter term. If we can't, we don't replace.
The rule: if you're not currently paying a loan, replacement isn't relief — it's just a new debt. We only replace loans you're actually servicing.
We're finalising lender partnerships to make this work end-to-end. We'll let you know the moment it's live.
FSP 53395 · Member since Aug 2025
How we reach you when something needs your attention.