Engagement with Mobalyz/SA Taxi and the NCR: A Significant Step Forward for Improved Debt Review Processes

DCASA is pleased to share positive developments following a recent engagement between Debt Counsellor Johan Stassen— representatives from Mobalyz/SA Taxi, and officials from the National Credit Regulator (NCR).

The meeting, held at the NCR offices, focused on longstanding challenges experienced by taxi owners and debt counsellors in the debt review process. Through Johan’s extensive preparation, grounded experience and unwavering commitment to consumer fairness, the session achieved meaningful progress and laid the foundation for much-needed reforms.

Key Issues Raised and Addressed

During the engagement, several fundamental concerns regarding Mobalyz’s current approach to debt review were highlighted:

• Lack of a defined framework for payment arrangements with Debt Counsellors.
• Non-compliance with TTA guidelines, despite repeated requests for clarity.
• Counterproposals containing excessive interest rates and extended repayment terms of up to 120 months.
• Insufficient instalment reductions, which did not align with affordability norms.
• Vehicles being sold at inflated prices, in some cases equivalent to new vehicle values.
• Substantial arrear interest added to accounts, in amounts reaching hundreds of thousands of rands.
• Instances where the vehicle value equalled the outstanding balance, raising major financial red flags.
• A breakdown of trust between taxi owners and Mobalyz, which requires urgent intervention.

Johan also highlighted that taxi unions in Vereeniging, Fochville, Klerksdorp, Lichtenburg, Mafikeng, Orkney and Ventersdorp have requested that SA Taxi representatives may not attend their meetings without his involvement — further emphasising the seriousness of stakeholder concerns.

Commitments and Outcomes

During the meeting, NCR representatives — including Timmy van der Grijp — confirmed that:

• Mobalyz is obligated to comply with TTA guidelines, and
• The new DCRS framework will be implemented.

It also became evident that there were gaps in understanding regarding the functioning and legal responsibilities of the debt review process — gaps that were constructively clarified during the discussion.

By the conclusion of the meeting:

Mobalyz agreed to all proposals presented by Johan

and committed to implementing the changes necessary to align with regulatory expectations and industry standards.

DCASA extends sincere appreciation to Timmy van der Grijp and Louise Page from the NCR for their professionalism and ongoing support throughout this engagement.

Formal Acknowledgment from Mobalyz

On 13 November 2025, Mobalyz issued a written acknowledgement expressing their gratitude to the NCR and to Mr. Stassen for the assistance provided. In their correspondence, they confirmed that:

1. They recognise the value of the engagement held at the NCR offices.
2. They appreciate the NCR’s and Mr. Stassen’s willingness to help strengthen their debt review process.
3. All recommendations will be discussed with internal stakeholders.
4. Further updates will follow as improvements are implemented.

This positive and constructive tone signals the start of a more transparent and cooperative working relationship.

DCASA’s Position and Appreciation

DCASA commends Johan Stassen — owner of Stassen Debt Counsellors (https://stassendc.co.za/ ) for his professionalism, deep understanding of debt review intricacies, and strong consumer-centred approach. His involvement continues to make a real difference — not only for individual consumers but for the broader debt counselling and taxi industries.

His work exemplifies the values DCASA stands for: fairness, transparency, collaboration and accountability.

We look forward to officially launching the DCASA North West Branch in 2026, under Johan’s capable representation.