The partnership between Avovision and Sanlam has been a great experience not only for me but for participants as well. I had the privilege to conduct worksite training with the department of health Mangaung Metro, of which a number of financial issues were highlighted by participants that includes administration,debt counseling and debt review. Some participants applied for debt review and counselling without proper understanding of how it works, but their consent has to get their debts restructured in order for them to attend to their other financial obligations. But what they've noticed after the session was that they had the chance to restructure their debts on their own without applying for debt review and counselling. And worse their debts were paid off but those accounts were not rescinded and paid up letters still not issued though their balances are R00.00. After the training that's when they realise the importance of having a good relationship with their creditors and banker, that could have avoided them from applying for debt review.