Cancel unfair subscriptions, recover disputed debits, and protect your credit score.

We help South Africans resolve disputes with subscription companies quickly and effectively.

How we can help you

Select the service that best matches your issue.

Cancel a subscription

Support where a company ignores or delays your cancellation request.

Recover disputed debits

Help with unauthorised or post-cancellation debit orders after attempted cancellation.

Challenge overbilling

You were charged more than the agreed amount.

Protect your cedit score

Support for unfair black listing and related dispute preparation.

Start your dispute

Complete the form below so your dispute can be reviewed quickly and accurately.

Secure intake form
1. Your details
2. Choose your issue
Select one or more issues from the dropdown list.Unauthorised or post-cancellation debit orders include debit orders that continued after cancellation or debit orders you did not approve.
Stop / Cancel
Money Recovery
Disputes
Escalation Support
Other
3. Case details
Enter your account/ref number
As per statement, invoice or emailUse 0 if no balance is being claimed.
Unauthorised or post-cancellation debit order estimate: This estimate is based on the monthly debit amount and the date you say the unauthorised or post-cancellation debits or cancellation started.
Total unauthorised or post-cancellation debitsR 0.00
Amount in disputeR 0.00
Estimated refundR 0.00
Overbilling estimate: Enter the amount you were charged and the amount you were supposed to pay.
Extra amount chargedR 0.00
Estimated overbilling recoveryR 0.00
4. Bank reversal charges
Total dispute value
R 0.00
5. Anything else we should know? (optional)
6. Upload proof (required for case review)

Click to upload files or drag and drop

PDF, JPG, PNG, DOCX and images accepted

No files selected yet.
7. Confirm and submit
Your progress will be saved on this device only. Please return using the same browser to continue. Uploaded files cannot be saved and will need to be selected again when you return.

Takes less than 3 minutes to complete.

Your dispute has been submitted. We’ll contact you shortly.

Frequently asked questions

Answers to common questions before you submit your dispute.

While the NCC can assist with disputes, their processes can take several months. During this time, consumers often continue to experience unauthorised debits, unfair charges, and ongoing losses. DebitGuard provides faster, hands-on support to help you resolve your dispute more efficiently and reduce ongoing financial impact.
Timeframes vary depending on the company involved, the complexity of the dispute, and how quickly supporting information is available. Some cases are resolved quickly, while others may take longer if follow-ups or escalation are required.
You can contact your bank or use your banking app to stop or reverse unauthorised debit orders. Most banks allow you to place a stop instruction for a small fee and request a reversal, which typically costs between R50 and R134 depending on how old the transaction is. Acting quickly improves your chances of recovering your money.

However, this is often not a permanent solution. In many cases, the debit mandate remains active with the company, and some companies change the debit reference, which results in continued unauthorised debits even after a stop instruction.

Some consumers choose to close their bank account and move to a new one to prevent further debits. While this can stop the debit orders from going through, it does not cancel the agreement with the company. The company will continue to bill you and request payment, and unresolved balances can lead to further action, including being blacklisted (negative credit listing).

To fully resolve the issue and prevent ongoing risks, the underlying dispute must still be addressed directly with the company.
DebitGuard helps consumers make better decisions by identifying high-risk companies and patterns of consumer complaints. This allows you to avoid unreliable companies and reduce the risk of future disputes, unauthorised charges, and unfair practices.

Simple, transparent pricing

Choose how you want to handle your dispute. You can manage it yourself or let DebitGuard handle it for you.

Standard

Self-Service

You manage your dispute using DebitGuard’s structure and guidance, while contributing to broader consumer protection efforts.

Free
No upfront fee and no success fee
  • Case logged and recorded
  • Case reference issued
  • Supporting documents securely stored
  • Guidance on next steps
  • Option to escalate your complaint independently, for example through the NCC
  • Your dispute contributes to identifying patterns of unfair practices
  • May support collective action or aggregated engagement where sufficient complaints exist

DebitGuard does not actively intervene or follow up with companies on Standard cases.

Priority

We Handle It For You

DebitGuard actively manages your dispute on your behalf, including engaging the company, following up, and escalating where necessary.

Let us take care of the process for you and avoid wasted time and the frustration of being ignored.

R150 upfront
+ 20% success fee only if funds are recovered
  • Everything included in Standard
  • Case review and handling by DebitGuard
  • Direct engagement with the company
  • Follow-ups and escalation where appropriate
  • Case monitoring and status updates
  • No win, no fee on recoveries

The upfront fee covers DebitGuard reviewing your case and taking action on your behalf, including contacting the company, assisting with cancellations, and stopping unauthorised or ongoing charges.

A 20% success fee is only charged if DebitGuard successfully recovers funds for you, including unauthorised debits, overbilling, or any other monetary recovery.

Your dispute contributes to a growing database of consumer complaints, helping DebitGuard identify patterns, flag high-risk companies, and apply collective pressure where appropriate.
You can start with Standard and upgrade to Priority at any time.

Upgrade existing case to Priority

Enter the case reference you received when you submitted your dispute.

Before you continue

Please review the key terms before submitting your dispute.