More cars. More traffic. More debt. Gauteng is South Africa’s busiest province — and also one of the most indebted. Millions of people in Gauteng own cars, but thousands are behind on payments and at risk of repossession. If that’s you, you’re not alone — and there is a solution.

According to the National Department of Transport, Gauteng has over 4.5 million registered vehicles — the highest in the country. That includes privately financed vehicles, company fleets, and taxis.

And data from the National Credit Regulator (NCR) and major credit bureaus shows:

• Nearly 3 million consumers in Gauteng have vehicle finance or asset-based loans.

• More than 40% of these consumers are in arrears — meaning they’re behind on payments or skipping instalments altogether.

• Repossessions are rising. Many consumers are only one missed payment away from losing their vehicle.

Falling into arrears can cause a domino effect. Here’s what usually happens:

1. You miss a payment.

2. You get warning letters and calls from your credit provider.

3. Your credit record takes a hit.

4. You receive a Section 129 letter (legal warning before repossession).

5. Your vehicle may be repossessed or handed over under pressure.

This is a painful process — and many Gauteng consumers find themselves stuck between trying to pay and still falling behind.

Debt review is a legal solution under the National Credit Act (NCA) that helps over-indebted consumers restructure their debt into one affordable monthly repayment.

Here’s what it can do for you:

• Stop vehicle repossession

• Protect you from legal action by credit providers

• Combine your debts into one lower monthly instalment

• Help you keep your car while paying off arrears gradually

• Improve your financial health over time

Debt review is not a loan. It’s a protection mechanism designed to help you recover.

DCGsa (Debt Counselling Group South Africa) has helped thousands of consumers across Gauteng for over 15 years. Our team is registered with the NCR (NCRDC1560) and fully compliant with all industry guidelines.

We offer:

• Free, no-obligation debt assessments

• A personal consultant who guides you through the process

• Communication with your credit providers on your behalf

• A legal repayment plan that suits your budget

• Service in English, Afrikaans, isiXhosa, and isiZulu

Whether you live in Johannesburg, Pretoria, Soweto, Midrand, Tembisa, Benoni, or Germiston — we’ve got you covered.

If you’re behind on car payments or worried about your debt — act now. Waiting only leads to more interest, more fees, and more stress.

Many people call us and say, “I wish I did this earlier.”

DCGsa — Helping Gauteng Consumers Get Back in Control, One Step at a Time.