MD
My Debt Hero
Verified Business
MD
Scores reflect the Overall AI Score for each category
Scores reflect the Overall AI Score for each category
Based on recent customer reviews, My Debt Hero shows a sharply divided customer experience. Many clients praise named consultants like Chantal Mans, Carmen, Cersha, and Oyintanda for compassionate, efficient support, particularly around clearance certificates and reduced monthly payments. However, a significant minority report serious failures including unauthorized debt review enrollments, unauthorized debit orders, missed creditor payments leading to arrears and legal action, and unresponsive ticket handling.
TrustIndex
6.1
Ranking
#31
in Debt Management
NPS Score
24
Recommended: Likely
Jul '25 - Jun '26
Based on recent customer reviews, My Debt Hero receives strong praise for its consultants and debt resolution outcomes, with named agents like Chantal Mans, Carmen Consul, Cersha Daniels, and Oyintanda repeatedly recognised. However, serious concerns emerge around alleged unauthorised debt review listings, debit order disputes, and slow communication on complex cases. Customer Service & Professional Guidance (4.0) leads, while Trust, Transparency & Compliance (2.4) is the weakest area.
My Debt Hero's biggest strength, according to Hellopeter's AI analysis, is Customer Service & Professional Guidance. Customers repeatedly name specific agents such as Chantal Mans, Carmen Consul, Cersha Daniels, Oyintanda, Alex van Zyl, and Ghislaine Robertson as exceptional. Reviewers describe consultants as patient, knowledgeable, empathetic, and willing to go the extra mile during stressful debt journeys.
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your Experience1 reviews | Active since Jan 2020
My debt hero has been taking money from my account for the past few years and yet I am still receiving threats from nedbank to be handed over to their legal department if payment is not made. I have requested assistance or feedback from my debt hero and they respond back via email refering to me as Nomsa and saying they need a time to call me and yet I am now being ignored, whilst they take my money and treat me like a second rate citizen. I hate this company and their staff and beyond ***********
1 reviews | Active since Jan 2020
My debt hero has been taking money from my account for the past few years and yet I am still receiving threats from nedbank to be handed over to their legal department if payment is not made. I have requested assistance or feedback from my debt hero and they respond back via email refering to me as Nomsa and saying they need a time to call me and yet I am now being ignored, whilst they take my money and treat me like a second rate citizen. I hate this company and their staff and beyond ***********
1 reviews | Active since Jan 2020
PLEASE, NEVER DO BUSINESS WITH MY DEBT HERO, there are many others with much beter reviews. I have never ever been in contact with an organisation as *********** as My Debt Hero. Since I started I with them I experienced issues like no distribution documents. The balance incorrect on distribution documents. I have requested since completed all payments, and more than 2 months ago started the process for clearance. I cannot get this done with the current *********** people. Keep asking information already given. Don't understand credit profiling at all.
1 reviews | Active since Jan 2020
PLEASE, NEVER DO BUSINESS WITH MY DEBT HERO, there are many others with much beter reviews. I have never ever been in contact with an organisation as *********** as My Debt Hero. Since I started I with them I experienced issues like no distribution documents. The balance incorrect on distribution documents. I have requested since completed all payments, and more than 2 months ago started the process for clearance. I cannot get this done with the current *********** people. Keep asking information already given. Don't understand credit profiling at all.
1 reviews | Active since Jan 2020
This is the most *********** and useless debt recoveries Company. I have been unsuccessfully trying for 2 years to clear my name as Ai settled my debt within a year and a half. They never call you back, or respond ro emails. They request documents, you send them only to be informed, if they respond that the documents are outdated and then you have to start the whole process over again. DO not use them
1 reviews | Active since Jan 2020
This is the most *********** and useless debt recoveries Company. I have been unsuccessfully trying for 2 years to clear my name as Ai settled my debt within a year and a half. They never call you back, or respond ro emails. They request documents, you send them only to be informed, if they respond that the documents are outdated and then you have to start the whole process over again. DO not use them
1 reviews | Active since Jan 2020
You can not speak to a person at this organisation. When you call you are prompted to leave a message. Only to be mailed that Hero support will contact you. Numerous contact attempts were made but no feedback.
1 reviews | Active since Jan 2020
You can not speak to a person at this organisation. When you call you are prompted to leave a message. Only to be mailed that Hero support will contact you. Numerous contact attempts were made but no feedback.
1 reviews | Active since Jan 2020
Thank you My Debt Hero for assisting me with my debt review, you don't get tired of emailing me or calling, i don't remember having to struggle getting a hold of you. Especial thank you to Carmen for always being on my tail to making sure that my debt review application run smoothly i really appreciate it.
1 reviews | Active since Jan 2020
Thank you My Debt Hero for assisting me with my debt review, you don't get tired of emailing me or calling, i don't remember having to struggle getting a hold of you. Especial thank you to Carmen for always being on my tail to making sure that my debt review application run smoothly i really appreciate it.
1 reviews | Active since Jan 2020
I cannot even get a hold of these guys. I feel like cancelling this contract with them as the service is pathetic,I have not even started paying them but the service is already bad. Whenever I call them I cannot speak to a consultant and them I leave a message and no one gets back to me.
1 reviews | Active since Jan 2020
I cannot even get a hold of these guys. I feel like cancelling this contract with them as the service is pathetic,I have not even started paying them but the service is already bad. Whenever I call them I cannot speak to a consultant and them I leave a message and no one gets back to me.
1 reviews | Active since Jan 2020
*Disputed debt review consent and lack of transparency – The Debt Hero* I am raising a serious concern regarding my experience with The Debt Hero and their handling of my debt review application. When I was signed up, I made it very clear—multiple times—that I had only *13 payments remaining on my vehicle finance. I was told that my monthly instalment would be reduced by approximately **R800, which sounded helpful. However, I was **never informed* that this arrangement would extend my repayment term beyond the 13 payments I had left. Only afterward did I discover that my repayment period appears to have been extended, which was never properly disclosed or explained to me. My concerns are as follows: * I do *not believe I gave informed consent* to enter debt review under these terms. * I have repeatedly requested the *original onboarding call recording and/or transcript*, but this has not been provided. * I requested the *full consent audit trail* and proof that the extended repayment term was disclosed—this has also not been provided. * The Form 16 sent to me shows an electronic signature with an IP address listed as *127.0.0.1*, which raises questions about how my alleged digital consent was recorded and verified. * Despite multiple formal emails, I have only received generic responses saying my query has been “sent to the relevant department,” without any substantive answers. I have now formally disputed the validity of this debt review process and requested urgent clarification regarding: * Whether I have been listed under debt review with credit bureaus * Whether any court application or court order has already been obtained * Whether creditors have already accepted any restructuring proposals I have also lodged (or am in the process of lodging) a formal complaint with the National Credit Regulator. I am sharing this here in the hope that The Debt Hero will provide proper transparency, accountability, and the documentation I have repeatedly requested. Consumers deserve clear explanations and informed consent before being placed into legally significant financial arrangements.
1 reviews | Active since Jan 2020
*Disputed debt review consent and lack of transparency – The Debt Hero* I am raising a serious concern regarding my experience with The Debt Hero and their handling of my debt review application. When I was signed up, I made it very clear—multiple times—that I had only *13 payments remaining on my vehicle finance. I was told that my monthly instalment would be reduced by approximately **R800, which sounded helpful. However, I was **never informed* that this arrangement would extend my repayment term beyond the 13 payments I had left. Only afterward did I discover that my repayment period appears to have been extended, which was never properly disclosed or explained to me. My concerns are as follows: * I do *not believe I gave informed consent* to enter debt review under these terms. * I have repeatedly requested the *original onboarding call recording and/or transcript*, but this has not been provided. * I requested the *full consent audit trail* and proof that the extended repayment term was disclosed—this has also not been provided. * The Form 16 sent to me shows an electronic signature with an IP address listed as *127.0.0.1*, which raises questions about how my alleged digital consent was recorded and verified. * Despite multiple formal emails, I have only received generic responses saying my query has been “sent to the relevant department,” without any substantive answers. I have now formally disputed the validity of this debt review process and requested urgent clarification regarding: * Whether I have been listed under debt review with credit bureaus * Whether any court application or court order has already been obtained * Whether creditors have already accepted any restructuring proposals I have also lodged (or am in the process of lodging) a formal complaint with the National Credit Regulator. I am sharing this here in the hope that The Debt Hero will provide proper transparency, accountability, and the documentation I have repeatedly requested. Consumers deserve clear explanations and informed consent before being placed into legally significant financial arrangements.
1 reviews | Active since Jan 2020
I would like to thank My Debt Hero for the service over the last 2 years. Which started off as hard to get hold off I could see how there service has improved towards the end of my journey wth them. A special shout out to Chantal Mans for getting my debt clearance to me so quickly. Thanks
1 reviews | Active since Jan 2020
I would like to thank My Debt Hero for the service over the last 2 years. Which started off as hard to get hold off I could see how there service has improved towards the end of my journey wth them. A special shout out to Chantal Mans for getting my debt clearance to me so quickly. Thanks
The most common complaint about My Debt Hero, based on Hellopeter's AI analysis of recent customer reviews, is Communication & Responsiveness. While many praise rapid ticket responses and WhatsApp accessibility, a significant cluster reports ignored emails, prematurely closed tickets, generic replies, unreachable managers, and weeks of silence on escalations. Complaints about lack of callbacks and unresolved issues recur consistently.
My Debt Hero scores 3.1 out of 5 on Hellopeter's AI analysis of service quality in Debt Management, compared to the Debt Management industry average of 3. Their strongest theme is Consultant Quality (3.9); their weakest is Onboarding & Fees (2.4). The top AI-rated Debt Management business on Hellopeter is FDC Group (4.8). How is the AI Score calculated? →
My Debt Hero has a TrustIndex of 6.1 out of 10 on Hellopeter, based on 436 reviews in the last 12 months. Hellopeter has tracked My Debt Hero across 1,496 total reviews. How is the TrustIndex calculated? →