Property Management, Property Rentals and Property Financial Services in South Africa

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Debt Collection FAQ’s

Please see below feedback concerning a number of frequently asked questions which may provide some initial useful information:

Trafalgar statement did not reach me:
  • Monthly statements are sent in advance around the 24th of each month shifting slightly due to weekend timing
  • If your statement did not reach you, it may have been spam filtered; please whitelist the email address and the Trafalgar domain. Please also refer a query to your ISP to whitelist the sending email address as well
  • Please send an email to with your Trafalgar account number for a statement to be resent to you
Interest on arrear levies:
  • Levies are due by the 1st of the month in advance in terms of a signed levy resolution linked to an AGM approved budget
  • Interest is charged on arrear levies from the 7th of the month
  • Interest is calculated daily in arrears and raised at month end for allocation to the levy account concerned
  • Interest raised is for the benefit of the community scheme
  • For example interest raised during the course of September would be allocated to the levy account with the September month-end statement. The interest charge concerned would only reflect on the next levy statement which would be for November as the October levy statement goes out before the end of September
Debt collection fees:
  • Trafalgar is a registered debt collector which is a requirement for collecting levy arrears and in terms of the Debt Collector’s Act
  • Trafalgar’s registration certificate with the Council for Debt Collectors (CFDC) is shown online as a link at the bottom of the page:
  • Debt collection fees are regulated by the CFDC and a tariff schedule is available to review online at
  • All debt collection fees raised by Trafalgar are provided for by the CFDC with specified pricing in the Annexure B pricing schedule
  • Any debt collection disputes may be referred to the Council for Debt Collectors for a binding external review
  • The intention is not to charge debt collection fees by paying levies on time and before the 7th of the month for the scheme to meet its creditor payment requirements
  • A payment arrangement in the form of an acknowledgement of debt should be agreed and signed to suspend debt collection actions, charges and interest
How are the monthly levies determined?
  • Levies are set by approving a budget and levy schedule at the AGM
  • Individual levies are determined by allocating the budgeted income pro rata per section based on participation quotas for sectional title schemes, and in terms of the MOI for HOA’s
  • The approved budget and expenditure items therefore give a breakdown of how monthly levies are spent
  • Levies are set to cover the budgeted expenditure of the community scheme
  • It is important for levies to be paid on time to maintain service delivery at the community scheme by paying creditors on time and consistently
Why are utility charges so high?
  • Water and electricity charges are typically measured and quantified by taking monthly meter readings measuring water and electricity consumption
  • The appointed meter reader for your complex will read the meters on a monthly basis before statement cut-off and submit a schedule / file of readings and charges to Trafalgar, to import and show on the monthly levy statements
  • The name and contact details for the meter reading service provider should appear on the top middle of the monthly levy statement together with opening, closing and consumption meter readings and the meter reading date
  • If there is a query concerning a utility charge and meter reading, it is necessary to refer the query to the meter reading service provider to check and advise further
  • The meter reading should be checked as well as for any evidence of leaking or excessive supply consumption
  • If basic checks of the meter reading, meter and unit do not indicate any reasons for excessive charges, then the meter will need to be tested; this can be arranged directly with the meter reader or Trafalgar. If the meter is not faulty the charge for the testing will be for your account
  • Leaking taps, toilets and pipes are common causes for excessive water consumption and faulty geyser thermostats a common cause for high electricity charges

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