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Client Story:

How DCCP Gave One Family the Breathing Room They Needed

The Challenge: When Financial Security Feels Fragile

Life has a way of testing our financial resilience when we least expect it. For one couple from the Free State, what started as uncertainty about the future became a real-life test of their protection plan.

Abigail and Hugo van der Merwe faced a familiar challenge: living with the constant worry of “what if?” Hugo’s employment was unstable, and they often wondered how they would cope if they lost income — or if Abigail became pregnant.

The Decision: Seeking Professional Guidance

Their journey with DCCP began after being referred by CS Debt Counselling. Already under debt review, they knew they needed additional protection to feel financially secure.

“We were unsure what would happen if we lost our income,” Abigail shared. “DCCP was introduced to us at exactly the right time.”

When Life Happens: The Real Test

Their fears quickly became reality. Abigail fell pregnant, and her employer advised her to apply for UIF (Unemployment Insurance Fund). As many South Africans know, UIF payouts can take time — and their financial obligations didn’t pause.

This is where DCCP proved its value.

The Relief: DCCP Steps In

From February to June 2023, DCCP provided critical financial support:

  • Full debt counselling payment coverage for 3 months
  • Immediate relief from monthly obligations
  • Peace of mind during a vulnerable time

“It felt like a mountain was removed from our shoulders,” Abigail said. “We couldn’t say thank you enough.”

The Extended Support: One Challenge After Another

Just as Abigail was preparing to return to work, Hugo’s employer announced staff cuts. Anxiety returned — but so did DCCP’s support.

Due to outstanding amounts, DCCP extended another 3 months of assistance, ensuring they could maintain stability during this difficult season.

“DCCP entered our lives at the right time like angels,” Abigail reflected. “If it wasn’t for them, we wouldn’t have made it.”

The Impact: More Than Just Financial Support

DCCP's intervention meant so much more than money. It provided:

  • ✅ Breathing space during a critical life transition
  • ✅ Reduced stress during pregnancy and early parenthood
  • ✅ Financial stability during employment uncertainty
  • ✅ Emotional relief knowing they were not alone

The Outcome: Gratitude and Renewed Confidence

This family’s story is a powerful reminder of why financial protection matters — especially for families already working hard to regain control through debt review.

With DCCP, they were able to:

  • 💡 Navigate pregnancy and job uncertainty without falling behind
  • 💡 Keep their debt review on track
  • 💡 Focus on their family instead of financial fear
  • 💡 Rebuild confidence in their financial future

Key Takeaways for South African Families

  • Timing is everything: Protection is most valuable before the crisis hits
  • Get expert help: CS Debt Counselling connected this family with the right support
  • Support can be extended: DCCP’s flexibility allowed for ongoing assistance
  • Peace of mind is priceless: Emotional stability is just as important as financial relief

Your Financial Safety Net Starts Here

Like Abigail and Hugo, many families live with uncertainty. Whether it's job instability, pregnancy, or another life change, having a solid protection plan like DCCP can make all the difference.

“We thank DCCP from our hearts for the difference they made in our lives. Because of them, we could breathe for a few months without worrying about all the whys, whats, and wheres.”

DCCP provides financial protection for South African families during life’s unexpected moments. Originally part of CS Debt Counselling, DCCP now operates independently under CS Insure, a proud sister company of The CS Group.

Learn more about how DCCP can protect your family’s financial future — Contact us today.


About DCCP

Third-party insurance powered by DC Credit Protect (Pty) Ltd, an Authorised Financial Services Provider, FSP No. 51550.

Disclaimer: This case study is based on a genuine client testimonial from Abigail van der Merwe. Sensitive personal details have been removed to protect client privacy. Individual results may vary depending on policy terms and personal circumstances.

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