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DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED

CZA four bounded consistency repairs

C_ZA · pass-09Captured 2026-10-2714 tables · 6 claim records · 6 source recordsScoped coordinator review completed

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

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SettleADebt C_ZA PASS-09 — four bounded consistency repairs

These repairs change only citations, source-status wording and locator precision. They do not alter any fee amount, formula, service predicate, refund conclusion, legal-force conclusion or broader P07 hold.

Repair 1 — aftercare source linkage

Replacement for C_ZA-P07-C021

C_ZA-P07-C021 — corrected source link only: The 2018 guideline’s aftercare formula—5% of the distributable amount or R450, whichever is less—and its requirement that aftercare services be rendered in the relevant post-Month-2 month remain supported by C_ZA-P05-C015 and C_ZA-P05-S004, zero-based PDF P2. C_ZA-P07-S003 is the same NCR Guideline 001/2018 and supports the same proposition at zero-based PDF P2. C_ZA-P05-S003 is the separate Schedule 2 application-fee/inflation document and is not aftercare authority. No change is made to the formula, service predicate, February 2018 date, exclusive-of-VAT treatment or current-force holds. NCR+1

Replacement for P07 coverage row G2-07

Row	Category	Status	Corrected finding and references	Remaining gap
G2-07	Aftercare — lesser of 5% of distributable amount or R450, with service-rendered predicate	partial	Retain C_ZA-P05-C015. Correct source lineage to C_ZA-P05-S004 PDF P2, which is also C_ZA-P07-S003 PDF P2. Remove C_ZA-P05-S003 as formula authority. C_ZA-P09-C001.	Current binding force, incorporation and evidence that aftercare was actually rendered remain unresolved.

The source correction does not reopen or recalculate any of P05’s dated examples.

Repair 2 — exact 2025/26 annual-report gap reference

Replacement for P07 coverage row G3-08

Row	Audit issue	Status	Corrected finding and references	Exact next action
G3-08	NCR Annual Report 2025/26	unresolved	C_ZA-P07-S023 was search-result metadata indicating an “NCR Annual Report 2025/26” listing on the dtic entity-annual-reports page. The report body was not obtained; direct opening of the page failed. Cite C_ZA-P09-C002 and C_ZA-P09-S003, not P07 C038. No 2025/26 fee, enforcement or currentness finding follows. DTIC	Obtain the direct official report body in a later authorised pass and read the relevant fee/compliance passages before making any 2025/26 substantive claim.

P07 C038 disposition

P07 C038 remains unchanged as a broad scope/parent hold. It is not evidence for the failed 2025/26 annual-report retrieval and should no longer be cited in G3-08.

The separately verified 2024/25 NCR practice finding remains dated to that report only. Its relevant passage is at zero-based PDF P44, printed page 43, with continuation at zero-based P45, printed page 44. It records 2024/25 compliance practice and does not fill the 2025/26 evidence gap. DTIC+2

Repair 3 — bounded registration-condition search statement

Replacement for C_ZA-P07-C011

C_ZA-P07-C011 — corrected bounded wording: The September 2025 NCR guideline reproduces one general condition concerning changes to a debt counsellor’s contact information and eligibility circumstances. The NCR’s generic public register page states that conditions of registration may be obtained from the NCR upon written request. P07 did not obtain the complete current fee-related conditions in its evidence set, and no request was made. These sources do not establish that a written request is the exclusive means of access or that no other public official copy exists. No fee-incorporation clause was identified in the material actually read. C_ZA-P09-C003–C004. NCR+1

Replacement for P07 coverage row G3-05

Row	Audit issue	Status	Corrected finding and references	Exact next action
G3-05	Current generic fee-related conditions of registration	partial	Sections 4.2–4.3 of the September 2025 guideline confirm the general statutory obligation to comply with conditions and reproduce a contact-information condition. The generic register note says conditions may be obtained by written request. The current full fee-related conditions were not obtained in this evidence set. C_ZA-P09-C003–C004.	In a separately authorised source pass, locate a published current generic conditions body or another official instrument expressly incorporating the fee guideline. Do not infer absence or exclusivity from the register note.

No NCR request, provider search, named licence lookup or contact occurred.

Repair 4 — September 2025 guideline locator and image-status honesty

Replacement for P07 source row S015

Source identity	Corrected pinpoint and read status
*C_ZA-P07-S015 — NCR, Guideline on Compulsory Requirements for Debt Counsellors to Update Their Contact Information with the NCR, 004/2025, September 2025.* Full URL: https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf	Sections 4.2 and 4.3 are on zero-based PDF P1. Their text was read from the parsed official PDF body. The attempted page screenshot returned a website verification page rather than the PDF image; therefore the printed page label is unverified, and no pixel inspection of that page is claimed. The source supports the quoted general obligation and contact-information condition only; it does not supply a fee-incorporation clause. NCR+1

Source identity

Corrected pinpoint and read status

C_ZA-P07-S015 — NCR, Guideline on Compulsory Requirements for Debt Counsellors to Update Their Contact Information with the NCR, 004/2025, September 2025. Full URL: https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf

Sections 4.2 and 4.3 are on zero-based PDF P1. Their text was read from the parsed official PDF body. The attempted page screenshot returned a website verification page rather than the PDF image; therefore the printed page label is unverified, and no pixel inspection of that page is claimed. The source supports the quoted general obligation and contact-information condition only; it does not supply a fee-incorporation clause. NCR+1

The earlier “printed p2” locator is withdrawn because the printed label was not established from a successfully viewed primary page image.

P09 source and evidence register

Fresh P09 access occurred on 26 October 2026 PDT / 27 October 2026 UTC. Exact individual source-access times were not logged and remain unknown.

P09 source	Prior identity and complete literal URL	Actual P09 read/reuse status	Exact locator and page-label bounds
C_ZA-P09-S001	P05 S003 — NCR, Schedule 2: Prescribed Fees. https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf	Fresh body and page image read. Used only to confirm that P05 S003 concerns the R50 application fee and annual-inflation clause, not aftercare.	Items 2 and 5, zero-based PDF P0. No separate printed page label appears in the standalone file; printed page is unverified/not shown. NCR+1
C_ZA-P09-S002	*P05 S004 / P07 S003 — NCR, The Debt Counselling Fee Guidelines 2018, 001/2018.* https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf	Fresh body read and page image inspected. Correct aftercare authority.	Aftercare row, zero-based PDF P2; internal printed page 2. It states 5% of the distributable amount or maximum R450, whichever is less, and payment in a post-Month-2 month in which aftercare services are rendered. NCR+1
C_ZA-P09-S003	P07 S023 — dtic, Entity Annual Reports page. https://www.thedtic.gov.za/media-room/parliamentary-presentations/entity-annual-reports/	Fresh search-result metadata located; direct page body fetch failed. No NCR 2025/26 annual-report PDF was opened.	Search metadata listed “National Credit Regulator (NCR) Annual Report 2025/26.” No article, paragraph, PDF index or printed page was available. This is metadata/failure evidence only. DTIC
C_ZA-P09-S004	*P07 S010 — NCR/dtic, NCR Annual Report 2024/25.* https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf	Fresh selected body and images read. Included only to preserve the boundary between obtained 2024/25 evidence and the missing 2025/26 body.	Debt-counselling compliance passage at zero-based PDF P44 / printed page 43; continuation at zero-based P45 / printed page 44. DTIC+2
C_ZA-P09-S005	*P07 S015 — NCR, Guideline on Compulsory Requirements for Debt Counsellors to Update Their Contact Information with the NCR, 004/2025.* https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf	Fresh parsed official PDF text read. Screenshot attempt failed with a verification page. No pixel claim.	Sections 4.2–4.3, zero-based PDF P1. Printed page label unverified. NCR+1
C_ZA-P09-S006	P07 S016 — NCR, generic Debt Counsellors register page. https://ncr.org.za/register_of_registrants/registered_dc.php	Fresh generic HTML note read. No name, licence or provider was queried.	HTML line 148: conditions of registration “may be obtained from the NCR, upon written request.” PDF index and printed page are not applicable. NCR

Atomic P09 claims

Claim ID	Exact bounded proposition	Evidence and pinpoint	Continuing limit
C_ZA-P09-C001	The correct historical source for the 2018 aftercare formula and service predicate is P05 S004 / P07 S003, zero-based PDF P2; P05 S003 is Schedule 2 and is not aftercare authority.	P09 S001 P0; P09 S002 P2/printed 2. NCR+1	No change to amount, VAT treatment, timing, formula or current legal-force status.
C_ZA-P09-C002	P07 S023 supplied only metadata indicating a possible NCR 2025/26 annual-report listing; neither P07 nor P09 obtained the report body.	P09 S003. DTIC	No 2025/26 fee, enforcement or currentness finding may be drawn.
C_ZA-P09-C003	The NCR register note states that conditions may be obtained by written request; it does not establish that this is the exclusive access route.	P09 S006, HTML line 148. NCR	Other official public copies are neither proved nor ruled out.
C_ZA-P09-C004	P07 did not obtain a complete current fee-related conditions body; the September 2025 guideline reproduces only the identified contact/eligibility condition in §§4.2–4.3.	P09 S005, zero P1. NCR	No fee-incorporation clause was established; no request was made.
C_ZA-P09-C005	The September 2025 guideline locator is zero-based PDF P1; the printed page label was not verified because the screenshot returned a verification page.	P09 S005. NCR+1	Parsed text is not represented as page-image inspection.
C_ZA-P09-C006	These four repairs do not modify P07’s substantive fee-currentness conclusions or any broader ministerial, amount, inflation, condition, withdrawal, refund, review, private-remedy, provincial, A097, A098 or country hold.	P09 C001–C005 and supplied P07 record.	Citation and wording repairs only.

Complete old-to-new crosswalk

Group	Prior record	Prior wording/problem	P09 replacement or disposition
G1	P05 S003	Was incorrectly linked by P07 C021 as aftercare support	Identify only as Schedule 2 R50/inflation source; remove from aftercare linkage. P09 C001
G1	P05 S004	Correct 2018 fee-table source	Retain as aftercare formula source at zero P2/printed 2. P09 C001
G1	P05 C015	Correct aftercare claim	Retain unchanged.
G1	P07 S003	Same 2018 guideline as P05 S004	Retain as current-pass source at zero P2.
G1	P07 C021	Said P05 C015/S003	Replace S003 with P05 S004; retain all substantive wording and holds.
G1	P07 G2-07	Correct formula but inherited bad source link	Replace finding references as shown in the corrected cell above.
G2	P07 S023	Search metadata/failed-body source	Retain that status explicitly; do not treat as annual-report body evidence. P09 C002
G2	P07 G3-08	Cited P07 C038 for the 2025/26 report gap	Replace with P09 C002/P09 S003.
G2	P07 C038	Broad scope/parent hold	Retain unchanged, but remove as support for G3-08.
G2	P07 S010	Actual 2024/25 annual report	Retain as dated 2024/25 practice evidence at zero P44/printed 43 and continuation P45/printed 44.
G3	P07 C011	Said complete conditions were available only on request	Replace with bounded “may be obtained upon written request; full fee-related conditions not obtained in this evidence set.” P09 C003–C004
G3	P07 G3-05	Said conditions were unavailable without request	Replace with “not obtained in this evidence set; no exclusivity or absence conclusion.”
G3	P07 S016	Generic register note	Retain exact “may be obtained” wording; do not strengthen it.
G4	P07 S015	Listed §§4.2–4.3 at P1 but claimed printed p2 despite failed screenshot	Retain zero P1 and exact sections; mark printed page label unverified and parsed-text-only. P09 C005

Granular repair coverage

G1 — Aftercare linkage

Row	Subquestion	Status	Finding	Remaining action
G1-01	Correct P05 source ID	answered	P05 S004, not S003. C001	None
G1-02	Correct P07 current-pass source	answered	P07 S003 is the same guideline, P2. C001	None
G1-03	Preserve P05 claim	answered	P05 C015 remains unchanged.	None
G1-04	Formula/currentness effect	answered	No substantive change or recalculation. C006	Preserve existing holds

G2 — Annual-report gap

Row	Subquestion	Status	Finding	Remaining action
G2-01	Identity of P07 S023	answered	Metadata listing plus failed body access. C002	None for status identity
G2-02	2025/26 substantive conclusion	unresolved	No report body obtained. C002	Obtain direct official PDF
G2-03	P07 C038 cross-reference	answered	Remove from G3-08; retain as broad hold.	None
G2-04	2024/25 practice source	answered as dated evidence	P07 S010 remains valid for 2024/25 only.	Do not extrapolate to 2025/26

G3 — Conditions search bound

Row	Subquestion	Status	Finding	Remaining action
G3-01	Register-note wording	answered	Conditions “may be obtained” by written request. C003	None
G3-02	Exclusive access route	unresolved/not established	No exclusivity follows. C003	Locate any public official conditions body if later authorised
G3-03	Full fee-related conditions	unresolved	Not obtained in P07/P09 evidence set. C004	Obtain published current conditions or incorporating instrument
G3-04	Fee-incorporation clause	unresolved	September 2025 guideline contains no such clause in the read sections. C004	Preserve incorporation hold

G4 — Locator honesty

Row	Subquestion	Status	Finding	Remaining action
G4-01	Zero-based PDF location	answered	§§4.2–4.3 are on P1. C005	None
G4-02	Printed page label	unresolved	Not verified from a successful page image. C005	Do not state a printed page number
G4-03	Pixel/image claim	answered negatively	Screenshot returned verification page; no pixel inspection claimed. C005	No repeat/bypass attempt
G4-04	Parsed-text evidentiary use	answered	Parsed official PDF body supports the quoted sections. C004–C005	Keep source-status qualification visible

Exact remaining holds

Hold	Status after P09
Ministerial adoption under NCA §45(5)(c)	Unresolved and unchanged
Current 2026 fee amounts and caps	Unresolved and unchanged
Schedule 2 annual-inflation implementation	Unresolved and unchanged
Complete generic fee-related registration conditions	Unresolved and unchanged
Incorporation of every 2018 fee cell	Unresolved and unchanged
Final reckless-lending-fee withdrawal/adoption instrument	Unresolved and unchanged
Current 60-business-day refund or 75% withdrawal rule	Unresolved and unchanged
Post-October-2025 final fee-review result	Unresolved and unchanged
Private consumer remedy, contract consequence or refund entitlement	Deferred and unchanged
P06 PDA and P08 CPA/ECTA conclusions as accepted premises	Not adopted; separate review remains
Whole-country, A097 and A098 acceptance	Held

Provincial/local holds

Province	Status
Eastern Cape	Unexamined; held
Free State	Unexamined; held
Gauteng	Unexamined; held
KwaZulu-Natal	Unexamined; held
Limpopo	Unexamined; held
Mpumalanga	Unexamined; held
Northern Cape	Unexamined; held
North West	Unexamined; held
Western Cape	Unexamined; held

No national source is converted into all-provincial or local verification.

Counts and self-check

Item	Actual displayed count
P09 source-register rows	6
P09 atomic claims	6
Old-to-new crosswalk rows	14
Four-group coverage rows	16
General remaining-hold rows	11
Province rows	9
New examples	0
New calculations	0
New fee, refund, award, permission or deadline determinations	0

Consistency check

The aftercare source is now correctly linked to P05 S004/P07 S003 PDF P2.
P05 S003 remains solely the Schedule 2 R50/inflation source.
The 2025/26 annual-report gap is tied to P07 S023/P09 C002, not P07 C038.
The obtained 2024/25 report remains dated practice evidence only.
“May be obtained by written request” is not rewritten as “available only by request.”
No absence of another public conditions body is claimed.
September 2025 guideline §§4.2–4.3 remain at zero P1.
Its printed page number is now marked unverified.
Parsed text is not represented as pixel inspection.
No failed screenshot was retried or bypassed.
P07’s substantive conclusions and all broader holds remain unchanged.
No named provider, registrant, licence, person, borrower, property or case was searched.
No contact, request, filing, complaint, site change or local-file write occurred.

END C_ZA PASS-09

Every captured table

Captured cells with original header handling and explicitly labeled bounded correction overlays. Downloaded JSON retains original cells. Tables may contain source limitations, historical examples and identified corrections; the complete reading supplies context.

How to read the research →

Captured table 01

Row · Category · Status · 1 data rows

Row	Category	Status	Corrected finding and references	Remaining gap
G2-07	Aftercare — lesser of 5% of distributable amount or R450, with service-rendered predicate	partial	Retain C_ZA-P05-C015. Correct source lineage to C_ZA-P05-S004 PDF P2, which is also C_ZA-P07-S003 PDF P2. Remove C_ZA-P05-S003 as formula authority. C_ZA-P09-C001.	Current binding force, incorporation and evidence that aftercare was actually rendered remain unresolved.

Captured table 02

Row · Audit issue · Status · 1 data rows

Row	Audit issue	Status	Corrected finding and references	Exact next action
G3-08	NCR Annual Report 2025/26	unresolved	C_ZA-P07-S023 was search-result metadata indicating an “NCR Annual Report 2025/26” listing on the dtic entity-annual-reports page. The report body was not obtained; direct opening of the page failed. Cite C_ZA-P09-C002 and C_ZA-P09-S003, not P07 C038. No 2025/26 fee, enforcement or currentness finding follows. DTIC	Obtain the direct official report body in a later authorised pass and read the relevant fee/compliance passages before making any 2025/26 substantive claim.

Source links captured in this table

DTIC

Captured table 03

Row · Audit issue · Status · 1 data rows

Row	Audit issue	Status	Corrected finding and references	Exact next action
G3-05	Current generic fee-related conditions of registration	partial	Sections 4.2–4.3 of the September 2025 guideline confirm the general statutory obligation to comply with conditions and reproduce a contact-information condition. The generic register note says conditions may be obtained by written request. The current full fee-related conditions were not obtained in this evidence set. C_ZA-P09-C003–C004.	In a separately authorised source pass, locate a published current generic conditions body or another official instrument expressly incorporating the fee guideline. Do not infer absence or exclusivity from the register note.

Captured table 04

Source identity · Corrected pinpoint and read status · 1 data rows

Source identity	Corrected pinpoint and read status
C_ZA-P07-S015 — NCR, Guideline on Compulsory Requirements for Debt Counsellors to Update Their Contact Information with the NCR, 004/2025, September 2025. Full URL: https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf	Sections 4.2 and 4.3 are on zero-based PDF P1. Their text was read from the parsed official PDF body. The attempted page screenshot returned a website verification page rather than the PDF image; therefore the printed page label is unverified, and no pixel inspection of that page is claimed. The source supports the quoted general obligation and contact-information condition only; it does not supply a fee-incorporation clause. NCR +1

Source identity

Corrected pinpoint and read status

C_ZA-P07-S015 — NCR, Guideline on Compulsory Requirements for Debt Counsellors to Update Their Contact Information with the NCR, 004/2025, September 2025. Full URL: https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf

Sections 4.2 and 4.3 are on zero-based PDF P1. Their text was read from the parsed official PDF body. The attempted page screenshot returned a website verification page rather than the PDF image; therefore the printed page label is unverified, and no pixel inspection of that page is claimed. The source supports the quoted general obligation and contact-information condition only; it does not supply a fee-incorporation clause. NCR +1

Source links captured in this table

NCR +1

Captured table 05

P09 source · Prior identity and complete literal URL · Actual P09 read/reuse status · 6 data rows

P09 source	Prior identity and complete literal URL	Actual P09 read/reuse status	Exact locator and page-label bounds
C_ZA-P09-S001	P05 S003 — NCR, Schedule 2: Prescribed Fees. https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf	Fresh body and page image read. Used only to confirm that P05 S003 concerns the R50 application fee and annual-inflation clause, not aftercare.	Items 2 and 5, zero-based PDF P0. No separate printed page label appears in the standalone file; printed page is unverified/not shown. NCR +1
C_ZA-P09-S002	P05 S004 / P07 S003 — NCR, The Debt Counselling Fee Guidelines 2018, 001/2018. https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf	Fresh body read and page image inspected. Correct aftercare authority.	Aftercare row, zero-based PDF P2; internal printed page 2. It states 5% of the distributable amount or maximum R450, whichever is less, and payment in a post-Month-2 month in which aftercare services are rendered. NCR +1
C_ZA-P09-S003	P07 S023 — dtic, Entity Annual Reports page. https://www.thedtic.gov.za/media-room/parliamentary-presentations/entity-annual-reports/	Fresh search-result metadata located; direct page body fetch failed. No NCR 2025/26 annual-report PDF was opened.	Search metadata listed “National Credit Regulator (NCR) Annual Report 2025/26.” No article, paragraph, PDF index or printed page was available. This is metadata/failure evidence only. DTIC
C_ZA-P09-S004	P07 S010 — NCR/dtic, NCR Annual Report 2024/25. https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf	Fresh selected body and images read. Included only to preserve the boundary between obtained 2024/25 evidence and the missing 2025/26 body.	Debt-counselling compliance passage at zero-based PDF P44 / printed page 43; continuation at zero-based P45 / printed page 44. DTIC +2
C_ZA-P09-S005	P07 S015 — NCR, Guideline on Compulsory Requirements for Debt Counsellors to Update Their Contact Information with the NCR, 004/2025. https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf	Fresh parsed official PDF text read. Screenshot attempt failed with a verification page. No pixel claim.	Sections 4.2–4.3, zero-based PDF P1. Printed page label unverified. NCR +1
C_ZA-P09-S006	P07 S016 — NCR, generic Debt Counsellors register page. https://ncr.org.za/register_of_registrants/registered_dc.php	Fresh generic HTML note read. No name, licence or provider was queried.	HTML line 148: conditions of registration “may be obtained from the NCR, upon written request.” PDF index and printed page are not applicable. NCR

Source links captured in this table

Captured table 06

Claim ID · Exact bounded proposition · Evidence and pinpoint · 6 data rows

Claim ID	Exact bounded proposition	Evidence and pinpoint	Continuing limit
C_ZA-P09-C001	The correct historical source for the 2018 aftercare formula and service predicate is P05 S004 / P07 S003, zero-based PDF P2; P05 S003 is Schedule 2 and is not aftercare authority.	P09 S001 P0; P09 S002 P2/printed 2. NCR +1	No change to amount, VAT treatment, timing, formula or current legal-force status.
C_ZA-P09-C002	P07 S023 supplied only metadata indicating a possible NCR 2025/26 annual-report listing; neither P07 nor P09 obtained the report body.	P09 S003. DTIC	No 2025/26 fee, enforcement or currentness finding may be drawn.
C_ZA-P09-C003	The NCR register note states that conditions may be obtained by written request; it does not establish that this is the exclusive access route.	P09 S006, HTML line 148. NCR	Other official public copies are neither proved nor ruled out.
C_ZA-P09-C004	P07 did not obtain a complete current fee-related conditions body; the September 2025 guideline reproduces only the identified contact/eligibility condition in §§4.2–4.3.	P09 S005, zero P1. NCR	No fee-incorporation clause was established; no request was made.
C_ZA-P09-C005	The September 2025 guideline locator is zero-based PDF P1; the printed page label was not verified because the screenshot returned a verification page.	P09 S005. NCR +1	Parsed text is not represented as page-image inspection.
C_ZA-P09-C006	These four repairs do not modify P07’s substantive fee-currentness conclusions or any broader ministerial, amount, inflation, condition, withdrawal, refund, review, private-remedy, provincial, A097, A098 or country hold.	P09 C001–C005 and supplied P07 record.	Citation and wording repairs only.

Source links captured in this table

Captured table 07

Group · Prior record · Prior wording/problem · 14 data rows

Group	Prior record	Prior wording/problem	P09 replacement or disposition
G1	P05 S003	Was incorrectly linked by P07 C021 as aftercare support	Identify only as Schedule 2 R50/inflation source; remove from aftercare linkage. P09 C001
G1	P05 S004	Correct 2018 fee-table source	Retain as aftercare formula source at zero P2/printed 2. P09 C001
G1	P05 C015	Correct aftercare claim	Retain unchanged.
G1	P07 S003	Same 2018 guideline as P05 S004	Retain as current-pass source at zero P2.
G1	P07 C021	Said P05 C015/S003	Replace S003 with P05 S004; retain all substantive wording and holds.
G1	P07 G2-07	Correct formula but inherited bad source link	Replace finding references as shown in the corrected cell above.
G2	P07 S023	Search metadata/failed-body source	Retain that status explicitly; do not treat as annual-report body evidence. P09 C002
G2	P07 G3-08	Cited P07 C038 for the 2025/26 report gap	Replace with P09 C002/P09 S003.
G2	P07 C038	Broad scope/parent hold	Retain unchanged, but remove as support for G3-08.
G2	P07 S010	Actual 2024/25 annual report	Retain as dated 2024/25 practice evidence at zero P44/printed 43 and continuation P45/printed 44.
G3	P07 C011	Said complete conditions were available only on request	Replace with bounded “may be obtained upon written request; full fee-related conditions not obtained in this evidence set.” P09 C003–C004
G3	P07 G3-05	Said conditions were unavailable without request	Replace with “not obtained in this evidence set; no exclusivity or absence conclusion.”
G3	P07 S016	Generic register note	Retain exact “may be obtained” wording; do not strengthen it.
G4	P07 S015	Listed §§4.2–4.3 at P1 but claimed printed p2 despite failed screenshot	Retain zero P1 and exact sections; mark printed page label unverified and parsed-text-only. P09 C005

Captured table 08

Row · Subquestion · Status · 4 data rows

Row	Subquestion	Status	Finding	Remaining action
G1-01	Correct P05 source ID	answered	P05 S004, not S003. C001	None
G1-02	Correct P07 current-pass source	answered	P07 S003 is the same guideline, P2. C001	None
G1-03	Preserve P05 claim	answered	P05 C015 remains unchanged.	None
G1-04	Formula/currentness effect	answered	No substantive change or recalculation. C006	Preserve existing holds

Captured table 09

Row · Subquestion · Status · 4 data rows

Row	Subquestion	Status	Finding	Remaining action
G2-01	Identity of P07 S023	answered	Metadata listing plus failed body access. C002	None for status identity
G2-02	2025/26 substantive conclusion	unresolved	No report body obtained. C002	Obtain direct official PDF
G2-03	P07 C038 cross-reference	answered	Remove from G3-08; retain as broad hold.	None
G2-04	2024/25 practice source	answered as dated evidence	P07 S010 remains valid for 2024/25 only.	Do not extrapolate to 2025/26

Captured table 10

Row · Subquestion · Status · 4 data rows

Row	Subquestion	Status	Finding	Remaining action
G3-01	Register-note wording	answered	Conditions “may be obtained” by written request. C003	None
G3-02	Exclusive access route	unresolved/not established	No exclusivity follows. C003	Locate any public official conditions body if later authorised
G3-03	Full fee-related conditions	unresolved	Not obtained in P07/P09 evidence set. C004	Obtain published current conditions or incorporating instrument
G3-04	Fee-incorporation clause	unresolved	September 2025 guideline contains no such clause in the read sections. C004	Preserve incorporation hold

Captured table 11

Row · Subquestion · Status · 4 data rows

Row	Subquestion	Status	Finding	Remaining action
G4-01	Zero-based PDF location	answered	§§4.2–4.3 are on P1. C005	None
G4-02	Printed page label	unresolved	Not verified from a successful page image. C005	Do not state a printed page number
G4-03	Pixel/image claim	answered negatively	Screenshot returned verification page; no pixel inspection claimed. C005	No repeat/bypass attempt
G4-04	Parsed-text evidentiary use	answered	Parsed official PDF body supports the quoted sections. C004–C005	Keep source-status qualification visible

Captured table 12

Hold · Status after P09 · 11 data rows

Hold	Status after P09
Ministerial adoption under NCA §45(5)(c)	Unresolved and unchanged
Current 2026 fee amounts and caps	Unresolved and unchanged
Schedule 2 annual-inflation implementation	Unresolved and unchanged
Complete generic fee-related registration conditions	Unresolved and unchanged
Incorporation of every 2018 fee cell	Unresolved and unchanged
Final reckless-lending-fee withdrawal/adoption instrument	Unresolved and unchanged
Current 60-business-day refund or 75% withdrawal rule	Unresolved and unchanged
Post-October-2025 final fee-review result	Unresolved and unchanged
Private consumer remedy, contract consequence or refund entitlement	Deferred and unchanged
P06 PDA and P08 CPA/ECTA conclusions as accepted premises	Not adopted; separate review remains
Whole-country, A097 and A098 acceptance	Held

Captured table 13

Province · Status · 9 data rows

Province	Status
Eastern Cape	Unexamined; held
Free State	Unexamined; held
Gauteng	Unexamined; held
KwaZulu-Natal	Unexamined; held
Limpopo	Unexamined; held
Mpumalanga	Unexamined; held
Northern Cape	Unexamined; held
North West	Unexamined; held
Western Cape	Unexamined; held

Captured table 14

Item · Actual displayed count · 9 data rows

Item	Actual displayed count
P09 source-register rows	6
P09 atomic claims	6
Old-to-new crosswalk rows	14
Four-group coverage rows	16
General remaining-hold rows	11
Province rows	9
New examples	0
New calculations	0
New fee, refund, award, permission or deadline determinations	0

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How to read the research →

C_ZA-P09-C001 Saved research record

The correct historical source for the 2018 aftercare formula and service predicate is P05 S004 / P07 S003, zero-based PDF P2; P05 S003 is Schedule 2 and is not aftercare authority.

Recorded check status: reviewed scoped consistency repairs addressed with holds

Evidence and pinpoint: P09 S001 P0; P09 S002 P2/printed 2. NCR +1
Continuing limit: No change to amount, VAT treatment, timing, formula or current legal-force status.

Recorded coordinator check boundaries

coordinator review scope: Exact-record and precisely dated selected-source reuse; not fresh all-body/current-law certification.

C_ZA-P09-C002 Saved research record

P07 S023 supplied only metadata indicating a possible NCR 2025/26 annual-report listing; neither P07 nor P09 obtained the report body.

Recorded check status: reviewed scoped consistency repairs addressed with holds

Evidence and pinpoint: P09 S003. DTIC
Continuing limit: No 2025/26 fee, enforcement or currentness finding may be drawn.

Recorded coordinator check boundaries

coordinator review scope: Exact-record and precisely dated selected-source reuse; not fresh all-body/current-law certification.

C_ZA-P09-C003 Saved research record

The NCR register note states that conditions may be obtained by written request; it does not establish that this is the exclusive access route.

Recorded check status: reviewed scoped consistency repairs addressed with holds

Evidence and pinpoint: P09 S006, HTML line 148. NCR
Continuing limit: Other official public copies are neither proved nor ruled out.

Recorded coordinator check boundaries

coordinator review scope: Exact-record and precisely dated selected-source reuse; not fresh all-body/current-law certification.

C_ZA-P09-C004 Saved research record

P07 did not obtain a complete current fee-related conditions body; the September 2025 guideline reproduces only the identified contact/eligibility condition in §§4.2–4.3.

Recorded check status: reviewed scoped consistency repairs addressed with holds

Evidence and pinpoint: P09 S005, zero P1. NCR
Continuing limit: No fee-incorporation clause was established; no request was made.

Recorded coordinator check boundaries

coordinator review scope: Exact-record and precisely dated selected-source reuse; not fresh all-body/current-law certification.

C_ZA-P09-C005 Saved research record

The September 2025 guideline locator is zero-based PDF P1; the printed page label was not verified because the screenshot returned a verification page.

Recorded check status: reviewed scoped consistency repairs addressed with holds

Evidence and pinpoint: P09 S005. NCR +1
Continuing limit: Parsed text is not represented as page-image inspection.

Recorded coordinator check boundaries

coordinator review scope: Exact-record and precisely dated selected-source reuse; not fresh all-body/current-law certification.

C_ZA-P09-C006 Saved research record

These four repairs do not modify P07’s substantive fee-currentness conclusions or any broader ministerial, amount, inflation, condition, withdrawal, refund, review, private-remedy, provincial, A097, A098 or country hold.

Recorded check status: reviewed scoped consistency repairs addressed with holds

Evidence and pinpoint: P09 C001–C005 and supplied P07 record.
Continuing limit: Citation and wording repairs only.

Recorded coordinator check boundaries

coordinator review scope: Exact-record and precisely dated selected-source reuse; not fresh all-body/current-law certification.

Sources, pinpoints and access limits

Keep the source version, actual read extent and jurisdiction with the proposition. A link or researcher access claim is not a substitute for an operative primary passage.

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C_ZA-P09-S001 Saved research record

P05 S003 — NCR, Schedule 2: Prescribed Fees. https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf

Recorded check status: reviewed scoped consistency repairs addressed with holds

P09 source: C_ZA-P09-S001
Actual P09 read/reuse status: Fresh body and page image read. Used only to confirm that P05 S003 concerns the R50 application fee and annual-inflation clause, not aftercare.
Exact locator and page-label bounds: Items 2 and 5, zero-based PDF P0. No separate printed page label appears in the standalone file; printed page is unverified/not shown. NCR +1
Direct source URLs: https://www.ncr.org.za/documents/pages/national_credit_regulations/Schedule%202-prescribed%20fees.pdf

Recorded coordinator check boundaries

coordinator review scope: Exact-record and precisely dated selected-source reuse; not fresh all-body/current-law certification.

C_ZA-P09-S002 Saved research record

P05 S004 / P07 S003 — NCR, The Debt Counselling Fee Guidelines 2018, 001/2018. https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf

Recorded check status: reviewed scoped consistency repairs addressed with holds

P09 source: C_ZA-P09-S002
Actual P09 read/reuse status: Fresh body read and page image inspected. Correct aftercare authority.
Exact locator and page-label bounds: Aftercare row, zero-based PDF P2; internal printed page 2. It states 5% of the distributable amount or maximum R450, whichever is less, and payment in a post-Month-2 month in which aftercare services are rendered. NCR +1
Direct source URLs: https://www.ncr.org.za/documents/Circulars/debt%20counselling%20fee%20structure%20guideline.pdf

Recorded coordinator check boundaries

coordinator review scope: Exact-record and precisely dated selected-source reuse; not fresh all-body/current-law certification.

C_ZA-P09-S003 Saved research record

P07 S023 — dtic, Entity Annual Reports page. https://www.thedtic.gov.za/media-room/parliamentary-presentations/entity-annual-reports/

Recorded check status: reviewed scoped consistency repairs addressed with holds

P09 source: C_ZA-P09-S003
Actual P09 read/reuse status: Fresh search-result metadata located; direct page body fetch failed. No NCR 2025/26 annual-report PDF was opened.
Exact locator and page-label bounds: Search metadata listed “National Credit Regulator (NCR) Annual Report 2025/26.” No article, paragraph, PDF index or printed page was available. This is metadata/failure evidence only. DTIC
Direct source URLs: https://www.thedtic.gov.za/media-room/parliamentary-presentations/entity-annual-reports/

Recorded coordinator check boundaries

coordinator review scope: Exact-record and precisely dated selected-source reuse; not fresh all-body/current-law certification.

C_ZA-P09-S004 Saved research record

P07 S010 — NCR/dtic, NCR Annual Report 2024/25. https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf

Recorded check status: reviewed scoped consistency repairs addressed with holds

P09 source: C_ZA-P09-S004
Actual P09 read/reuse status: Fresh selected body and images read. Included only to preserve the boundary between obtained 2024/25 evidence and the missing 2025/26 body.
Exact locator and page-label bounds: Debt-counselling compliance passage at zero-based PDF P44 / printed page 43; continuation at zero-based P45 / printed page 44. DTIC +2
Direct source URLs: https://www.thedtic.gov.za/wp-content/uploads/NCR-Annual-Report-2024_2025.pdf

Recorded coordinator check boundaries

coordinator review scope: Exact-record and precisely dated selected-source reuse; not fresh all-body/current-law certification.

C_ZA-P09-S005 Saved research record

P07 S015 — NCR, Guideline on Compulsory Requirements for Debt Counsellors to Update Their Contact Information with the NCR, 004/2025. https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf

Recorded check status: reviewed scoped consistency repairs addressed with holds

P09 source: C_ZA-P09-S005
Actual P09 read/reuse status: Fresh parsed official PDF text read. Screenshot attempt failed with a verification page. No pixel claim.
Exact locator and page-label bounds: Sections 4.2–4.3, zero-based PDF P1. Printed page label unverified. NCR +1
Direct source URLs: https://www.ncr.org.za/documents/Guidelines/Guideline%20September%202025.pdf

Recorded coordinator check boundaries

coordinator review scope: Exact-record and precisely dated selected-source reuse; not fresh all-body/current-law certification.

C_ZA-P09-S006 Saved research record

P07 S016 — NCR, generic Debt Counsellors register page. https://ncr.org.za/register_of_registrants/registered_dc.php

Recorded check status: reviewed scoped consistency repairs addressed with holds

P09 source: C_ZA-P09-S006
Actual P09 read/reuse status: Fresh generic HTML note read. No name, licence or provider was queried.
Exact locator and page-label bounds: HTML line 148: conditions of registration “may be obtained from the NCR, upon written request.” PDF index and printed page are not applicable. NCR
Direct source URLs: https://ncr.org.za/register_of_registrants/registered_dc.php

Recorded coordinator check boundaries

coordinator review scope: Exact-record and precisely dated selected-source reuse; not fresh all-body/current-law certification.

What was examined—and what is still missing

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coverage-1 Saved research record