Fallen out with a credit provider or a debt collector? Consumers now have another avenue of dispute resolution after the Credit Ombudsman reached agreement with the National Credit Regulator (NCR), allowing complaints to be lodged with either agency. It’s a big deal for consumers, who are no longer forced to lodge with the NCR, which is overrun with complaints about credit providers and beset with complaints about its own lack of service to the public. The ombudsman is a highly regarded, public-facing office which offers an independent, efficient and free service. The memorandum of understanding (MOU) between the NCR and Credit Ombud allows collaboration in terms of the National Credit Act (NCA), specifically in complaints resolution and investigation of disputes between non-bank credit providers, including debt collectors, credit bureaus and consumers.