What is the process to default list a debtor?

Firstly, a debtor must be in arrears for 3 consecutive months before a default notice (21 day Notice Letter / Letter of Demand) can be sent to the client. A notice can be issued to the debtor according to section 29 of the National Credit Act (NCA), advising the debtor that their account is in arrears and non-payment may result in default listing with a Credit Bureau, or legal action.