Debt counselling does not offer any payment holiday and a consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process.
A consumer who is under debt counselling can make payments directly to his/her credit provider(s) or make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.
A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.
If a consumer defaults on payment whilst under debt counselling, the credit provider may terminate the debt counselling application and enforce legal steps against the consumer.