4-in-1 Plan



Legal Assist

Legal help can prove very handy when you need it. And getting professional legal advice saves you from paying expensive lawyers' fees and can even avert imprisonment!

Our Legal Assist service was created to address that very need, as many South Africans may land in situations where they require legal help. These situations can be difficult and challenging, and usually occur when you least expect it.

Orange RectangleGeneral legal advice: legal advice with regard to criminal offences, fines, debts, contracts, divorce, maintenance and other legal advice.

Orange RectangleLabour law advice: advice with regards to unfair labour practices, basic wages, annual leave, disciplinary hearings and other related labour advice.

Orange RectangleMotor vehicle accident: unlawful removal of vehicle or towing of vehicle by unauthorised operators, vehicle damage repairs, injuries, third party claims and a message to the member's relative or contact person.

Orange RectangleRoad accident fund: advice as to when and how to process a claim with the Road Accident Fund and assistance with completing the relevant forms.

Orange RectangleAttorney referral service: the member will be offered a free, initial 30-minute consultation, and if required, the attorney will draft one letter or make one telephone call to a third party. The member can then decide if he/she wants to continue with the referred attorney, but will be liable for the fee agreed upon between the attorney and him-/herself.

Orange RectangleStandard legal documents: We will provide the member with the following when necessary:

  • A Divorce Kit;
  • A Small Claims Kit;
  • A Child Maintenance Kit;
  • Domestic employment agreements;
  • Lease agreements;
  • Purchase and sale agreement; and
  • Last will and testament.

ID Assist

ID Assist primarily assists you in order to prevent any identity information or document from being used illegally. The support line puts you in touch with relevant institutions or companies to block or stop cards or contracts. In addition, it facilitates replacement of IDs and related documentation such as drivers' licences, etc.

Product Benefits:

Orange RectangleOur legal advisor will assess the information provided by the member and advise him/her of the necessary steps to be taken.

Orange RectangleWe will provide the member with the telephone and fax numbers, as well as email or website addresses to contact a credit bureau, driver's license testing station, home affairs department or other related organizations that will be able to assist him/her.

Orange RectangleWe offer a fraud prevention kit (consisting of helpful advice, guidance and reporting templates).

Orange RectangleThe member will also be provided with a checklist via fax or email to enable him/her to record all steps taken and contacts made.

Remedial Service

Orange RectangleID Assist will, in addition to the benefits already mentioned, also provide redress when identity information or documents have been used fraudulently by providing the member with the following templates:

  • fraudulent account notification template; and
  • notice of dispute of debit on existing account due to identity theft.



The information on your credit report touches all different aspects of your credit behaviour, so it's important to undertake a credit check regularly to identify and correct anything that may lead to a rejection.

Lenders usually know exactly what type of customer they're looking for, so rejection can sometimes be beyond your control. But regularly checking your credit report for errors is one of the best ways to make yourself a more financially attractive customer.

You'll get a fully updated credit report four times per year (every quarter) which will be available for download on your Client Zone.

Access your credit report today by clicking here.



Our Financial Counselling Programme will assist you with:

1. Telephonic financial counselling This service provides members with the ability to obtain counselling on financial matters that is impartial and geared towards assisting them on issues such as:

  • Financial budgeting;
  • Income versus expenditure; and
  • Types of expenditure.

2. Debt Management Debt management provides an interactive system which empowers the individual to start taking control of their financial position, thereby improving their awareness, self-discipline and overall control of their finances through the following mechanisms:

  • Debt consolidation; and
  • Financial goal setting.

3. Formal Debt Review Members who require entering into the formal debt review process will be assisted by one of our NCR accredited debt counsellors. The member will be liable for the costs of this process. However, this will be included in the repayment plan of the individual which will therefore not have a further negative financial impact on the member. The rates offered to members who access this service will be offered at a discount. The debt counsellor will also provide the following services:

  • Complete a financial needs analysis
  • Audit all accounts being paid
  • Recommend where credit can be restructured
  • Complete a detailed budget
  • Obtain debt information from creditors
  • Negotiate favourable payments with creditors
  • Follow up on budgets – ensure adherence

We believe that consumers need to be educated on how they can manage debts and even more so get themselves out of the debt trap, hence why we believe that every consumer can have financial freedom by seeking the correct advice.

Apply today