Take Control of Your Debt.
Without Debt Review. Without Third Parties. Without Risk.
You want to deal with your debt properly.
You want guidance, not pressure.
And you definitely do not want to end up under Debt Review or fall victim to a scam.
That’s exactly why Debt Winner DIY exists.
Our Do-It-Yourself plans are designed for consumers who want full control, transparent costs, and professional guidance, while keeping their money in their own bank account.
What Is Debt Winner DIY?
Debt Winner DIY gives you a structured, attorney-supported payment plan that you manage yourself.
You do not pay a mediator, debt counsellor, or third-party payment distributor.
Your money stays in your own IMB Bank Account.
You decide how and when payments are made to your creditors, using the IMB Bank Distribution facility.
You stay in control. We provide the expertise.
Why DIY Instead of Traditional Debt Solutions?
Many consumers hesitate because they fear:
Being pushed into Debt Review
Making payments to unknown third parties
Losing control over their finances
Hidden fees and long contracts
With Debt Winner DIY:
You are not placed under Debt Review
You do not pay third parties
Your payments remain visible in your own bank app
Costs are clear, upfront, and predictable
How It Works
We assess your debt profile
A custom payment plan is created
Attorneys on our panel draft the required creditor notices
You manage payments directly from your IMB Bank Account
We guide you every step of the way, based on the plan you choose
Simple. Transparent. Controlled.
Choose the DIY Plan That Fits Your Risk Profile
DIY Basic
Ideal for Low to Medium Risk Consumers
Perfect if you want to start dealing with your debt responsibly, without focusing heavily on credit score improvement.
Once-off fee: R499
What You Get:
Personalised Payment Plan
Creditor Notices drafted by attorneys on our panel
Guide: how to handle Creditor enquiries
You make payments yourself.
You stay in control.
DIY Pro
Ideal for Medium to High Risk Profiles
Best suited if you want to reduce monthly instalments, avoid legal action, and actively improve your credit profile.
Once-off fee: R2,499
Monthly fee: R399
All fees are included in your payment plan.
No surprise costs. No extra payments.
What You Get:
Everything in the DIY Basic Plan
Attorneys monitoring and guiding creditor communication
Attorneys drafting replies to creditors, attorneys, or debt collectors
Legal guidance to help avoid summons and judgments
Payment plan reassessment every 3 months or sooner if needed
Monthly distribution list updates
30-minute telephone consultation with an attorney regarding your credit profile
This is hands-on professional support, without giving up control.
Take the First Step Today
Fill out the form below to start your journey to financial freedom.
Why the IMB Bank Distribution Account Matters
Your money stays in your name
Payments are made directly to creditors
You can monitor everything on the bank app
No third-party payment agents involved
Debt Winner assists with management at a small, transparent fee
This structure gives you visibility, control, and peace of mind.
Is Debt Winner DIY Right for You?
DIY may be ideal if:
You want to avoid Debt Review
You are cautious about scams
You want professional guidance without giving up control
You want a clear, structured way to deal with debt
You prefer once-off and predictable fees
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