What a clearance certificate confirms
Form 19 is issued by the registered debt counsellor when the legal clearance requirements have been met. Ask which relevant obligations and supporting records must be checked in your circumstances. A paid-up letter for one account does not, by itself, establish that all clearance requirements have been met.
The evidence normally required
- Updated statements for every credit agreement in the plan.
- Paid-up letters from credit providers where applicable.
- Payment-distribution records that reconcile to creditor balances.
- Confirmation that any continuing home-loan obligation meets the legal requirements.
What happens after Form 19
Keep the certificate, supporting account confirmations and correspondence together. The NCR’s February 2026 filing guideline distinguishes submission from its recorded outcome. Ask your counsellor:
- Issued: Has Form 19 been issued, and can I retain a copy?
- Submitted: What supporting records and reference confirm the submission?
- Outcome: Has the update succeeded, or is a rejection or further step still outstanding?
Do not assume that receiving the certificate alone proves a successful credit-bureau update or guarantees a new credit decision. You can choose to ask Alliance privately which documented stage applies to your question.
If your original counsellor is unresponsive
Gather your court order, payment statements, credit-provider balances and all correspondence. A registered professional can explain the lawful options, but cannot manufacture clearance where the requirements have not been met.