SAQA All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.
SOUTH AFRICAN QUALIFICATIONS AUTHORITY 
REGISTERED UNIT STANDARD: 

Demonstrate and apply understanding of the legal requirements relevant to the liquidation of debt 
SAQA US ID UNIT STANDARD TITLE
116603  Demonstrate and apply understanding of the legal requirements relevant to the liquidation of debt 
ORIGINATOR
SGB Administration 
PRIMARY OR DELEGATED QUALITY ASSURANCE FUNCTIONARY
-  
FIELD SUBFIELD
Field 03 - Business, Commerce and Management Studies Office Administration 
ABET BAND UNIT STANDARD TYPE PRE-2009 NQF LEVEL NQF LEVEL CREDITS
Undefined  Regular-Fundamental  Level 5  Level TBA: Pre-2009 was L5  10 
REGISTRATION STATUS REGISTRATION START DATE REGISTRATION END DATE SAQA DECISION NUMBER
Reregistered  2018-07-01  2023-06-30  SAQA 06120/18 
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2024-06-30   2027-06-30  

In all of the tables in this document, both the pre-2009 NQF Level and the NQF Level is shown. In the text (purpose statements, qualification rules, etc), any references to NQF Levels are to the pre-2009 levels unless specifically stated otherwise.  

This unit standard does not replace any other unit standard and is not replaced by any other unit standard. 

PURPOSE OF THE UNIT STANDARD 
This unit standard forms part of the qualification, FETC: Debt Recovery. This standard will add value to learners who have their own or wish to start their own Debt Recovery business, or those doing debt recovery in large Debt Recovery organisations. This standard will also add value to learners working in a large commercial organisation in the Debt Recovery/Credit control division.

The qualifying learner is capable of:
  • Interpreting and explaining legislation relating to debt recovery
  • Complying with a debt recovery code of conduct
  • Complying with legislation regulating documentation used in the recovery of debt
  • Applying statutory requirements applicable to the debt recovery function 

  • LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
    It is assumed that learners are competent in:
  • Communication at NQF Level 3
  • Mathematical Literacy at NQF Level 3
  • Computer Literacy at NQF level 3
  • The unit standard entitled: "Demonstrate knowledge and application of ethical conduct in a Debt Recovery work context" 

  • UNIT STANDARD RANGE 
    N/A 

    Specific Outcomes and Assessment Criteria: 

    SPECIFIC OUTCOME 1 
    Interpret and explain legislation relating to debt recovery. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    The legislation relating to Debt Recovery is identified and an explanation given of where and how copies can be obtained. 
    ASSESSMENT CRITERION RANGE 
    Legislation includes but are not limited to Law of Contract, Magistrate's Court Act, Prescription Act, Law of Insolvency, Law of Session, Legal entities.
     

    ASSESSMENT CRITERION 2 
    The purpose of the relevant legislation is explained by way of a written summary. 

    ASSESSMENT CRITERION 3 
    Brief summaries of how the legislation impacts on Debt Recovery practice is given in table form. 

    ASSESSMENT CRITERION 4 
    The consequences for organisations of non-compliance with legislation applicable to debt recovery are explained with examples. 

    ASSESSMENT CRITERION 5 
    The consequences for individuals of non-compliance with legislation applicable to the public relations sector are explained with examples. 

    SPECIFIC OUTCOME 2 
    Comply with Debt Recovery organization code of conduct. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    The concept of a code of conduct for employees in the debt recovery sector is explained in terms of the benefits it holds for employees and the client. 

    ASSESSMENT CRITERION 2 
    The consequences of non-compliance with a code of conduct is explained as it relates to employee and the organisation for which he/she works. 

    ASSESSMENT CRITERION 3 
    All actions and behaviour compy with the applicable code of conduct and ethical considerations. 

    SPECIFIC OUTCOME 3 
    Comply with legislation regulating documentation used in debt recovery. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    The documentation that must be used in debt recovery as prescribed by legislation is identified and an explanation given with examples of how and when each is used. 

    ASSESSMENT CRITERION 2 
    Correct documentation relating to debt collection is utilized appropriately and correctly at all times. 

    ASSESSMENT CRITERION 3 
    The conditions contained in debt collecting documentation complies with all legal and/or regulatory requirements. 

    SPECIFIC OUTCOME 4 
    Apply statutory requirements applicable to debt recovery. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    All communication with clients is conducted according to legal requirements. 
    ASSESSMENT CRITERION RANGE 
    Legislation includes but are not limited to Law of Contract, Magistrate's Court Act, Prescription Act, Law of Insolvency, Law of Session, Legal entities.
     

    ASSESSMENT CRITERION 2 
    All debt collection actions are performed according to legal requirements. 

    ASSESSMENT CRITERION 3 
    Terminology used in debt collecting actions is accurate and complies with legal, organisational and client requirements. 

    ASSESSMENT CRITERION 4 
    Consultation with stakeholders is conducted to avoid misrepresentation and to protect all parties involved. 

    ASSESSMENT CRITERION 5 
    Debt collecting functions that fall outside own level of authority and expertise are referred to people at the appropriate level of authority or to experts to provide technical assistance or to conduct the transaction. 


    UNIT STANDARD ACCREDITATION AND MODERATION OPTIONS 
  • An individual wishing to be assessed (including through RPL) against this Unit Standard may apply to an assessment agency, assessor or provider institution accredited by the relevant ETQA, or an ETQA that has a Memorandum of Understanding with the relevant ETQA.
  • Anyone assessing a learner against this Unit Standard must be registered as an assessor with the relevant ETQA or with an ETQA that has a Memorandum of Understanding with the relevant ETQA.
  • Any institution offering learning that will enable achievement of this Unit Standard or assessing this Unit Standard must be accredited as a provider with the relevant ETQA or with an ETQA that has a Memorandum of Understanding with the relevant ETQA.
  • Moderation of assessment will be conducted by the relevant ETQA at its discretion. 

  • UNIT STANDARD ESSENTIAL EMBEDDED KNOWLEDGE 
  • Legal documentation required and used in a debt collecting business
  • Legislation, rules and statutory requirements applicable to a debt collecting business
  • Records required for legal processes in a debt collecting business 

  • UNIT STANDARD DEVELOPMENTAL OUTCOME 
    N/A 

    UNIT STANDARD LINKAGES 
    N/A 


    Critical Cross-field Outcomes (CCFO): 

    UNIT STANDARD CCFO WORKING 
    Learners are able to work effectively with others in order to ensure that legal requirements are applied, documented and adhered to. 

    UNIT STANDARD CCFO ORGANISING 
    Learners are able to organise oneself and one's activities to reflect the ongoing development of own and future legal competence and compliance. 

    UNIT STANDARD CCFO COLLECTING 
    Learners are able to collect, evaluate, organise and critically evaluate information that might hinder or enhance legal compliance. 

    UNIT STANDARD CCFO COMMUNICATING 
    Learners are able to communicate effectively with all stakeholders to ensure that all parties fully understand all legal obligations, procedures and processes. 

    UNIT STANDARD CCFO SCIENCE 
    Learners are able to use science and technology to source acts and statutes. 

    UNIT STANDARD CCFO DEMONSTRATING 
    Learners are able to demonstrate an understanding of the world as a set of interrelated systems by recognizing that debtor problem-solving contexts do not exist in isolation and that other bodies and regulatory authorities impact on solutions that need to be engaged to ensure the correct allocation and assessment of debtor accounts. 

    UNIT STANDARD ASSESSOR CRITERIA 
    N/A 

    REREGISTRATION HISTORY 
    As per the SAQA Board decision/s at that time, this unit standard was Reregistered in 2012; 2015. 

    UNIT STANDARD NOTES 
    N/A 

    QUALIFICATIONS UTILISING THIS UNIT STANDARD: 
      ID QUALIFICATION TITLE PRE-2009 NQF LEVEL NQF LEVEL STATUS END DATE PRIMARY OR DELEGATED QA FUNCTIONARY
    Core  49021   Further Education and Training Certificate: Debt Recovery  Level 4  NQF Level 04  Reregistered  2023-06-30  FASSET 
    Elective  49598   National Diploma: Paralegal Practice  Level 5  NQF Level 05  Reregistered  2023-06-30  SAS SETA 
    Elective  62829   National Certificate: Law Enforcement: Sheriffing  Level 6  Level TBA: Pre-2009 was L6  Reregistered  2023-06-30  SAS SETA 


    PROVIDERS CURRENTLY ACCREDITED TO OFFER THIS UNIT STANDARD: 
    This information shows the current accreditations (i.e. those not past their accreditation end dates), and is the most complete record available to SAQA as of today. Some Primary or Delegated Quality Assurance Functionaries have a lag in their recording systems for provider accreditation, in turn leading to a lag in notifying SAQA of all the providers that they have accredited to offer qualifications and unit standards, as well as any extensions to accreditation end dates. The relevant Primary or Delegated Quality Assurance Functionary should be notified if a record appears to be missing from here.
     
    1. Boston City Campus & Business Coll 



    All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.