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What should you do if you cannot make a repayment?

Speak to the creditor before the payment is missed rather than after it. Explain what changed, say when you next expect income and give a realistic figure for what you can afford after rent, food, transport and other essentials, then ask which options apply to your agreement. Asking for help does not automatically pause a debit order, extend a due date or waive fees, and no particular arrangement is guaranteed — so keep planning for the original payment until something else is confirmed in writing. If several debts have become unmanageable, an independent debt counsellor is a separate route worth taking early.

Where can you get independent help?

Debt counsellors are registered with the National Credit Regulator, and you can check any counsellor on the NCR debt-counsellor register before you commit. Ask about the process, the fees and the consequences before agreeing to a service. Be cautious of anyone promising guaranteed debt cancellation, or asking you to take another loan to solve ongoing arrears.

What to prepare before the conversation

  • Your agreement reference and the payment date affected.
  • A brief explanation of the change in circumstances.
  • When you next expect income.
  • A realistic amount after rent, food, transport and other essentials.
  • Your preferred contact method.

You do not need to include detailed medical information or send bank credentials to start a conversation. Ask for a verified secure route if supporting documents are requested.

How much a support request changes

It opens a conversation, nothing more. If an arrangement is offered, check the new dates, amounts and total cost, and keep the written confirmation. A date change and a missed payment are handled differently, so say which one applies.

Reaching Lendumi about a repayment

Write to debtors@lendumi.co.za or call +27 11 842 5900, Monday to Friday, 08:00–17:00 SAST, and quote your agreement reference. For a loan from another company, contact the creditor named in that agreement.

If you believe a creditor has treated you unfairly, the complaints guide sets out the escalation routes.

Reference: National Credit Regulator — consumer resources.

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