Consultation & agreement
Discuss the situation with a consultant so SJE can understand the profile and proposed route.
HOW IT WORKS
Clarity first. Then the correct process.
The steps vary depending on whether the issue is a negative listing, debt-review status, a judgment, a prescribed account or another credit-profile concern.
Negative listing removal
The process published by SJE.
Complete the documents
Return the required forms and information so the administrative process can begin.
Assessment & credit report
SJE's current site states that after payment of the Admin, Application and Assessment fee, it provides a 4-in-1 credit report and guidance on the negative listings identified.
Guidance & next steps
The team explains the route forward based on the listings and the applicable process.
PUBLISHED ON CURRENT WEBSITER1,955 incl. VAT
Admin, Application and Assessment fee currently shown for the negative-listing process. Confirm current pricing with SJE before proceeding.
Debt review removal
A more detailed route when debt-review status is involved.
Assessment
Review Debt Counselling System status and discuss the relevant fees and circumstances.
Payment plan & details
Discuss payment arrangements and collect the information needed for the case.
Documentation
The current site lists ID copy, three months' bank statements, latest proof of income and proof of address among the documents that may be required.
Status transition
Where applicable, SJE guides the process relating to Form 17.W and the transition from restructuring arrangements.
Submission
Required documents and supporting information are prepared for the next stage of the removal process.
Court / attorney support
Where court proceedings are required, legal support may be involved. SJE's current site states that clients are not obliged to use its attorneys.
Your circumstances matter
Process descriptions are not guarantees of an outcome.
Credit-bureau, creditor and court processes can change and are affected by the facts of each case. SJE should confirm eligibility, current fees, documentation and the appropriate route before a client acts.
Start with an assessment ↗