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The mission of PLCR is to deliver a specialized service to consumers in need and to assist all clients through their difficulties to the point of rehabilitation.


The vision of PLCR is to remain the best debt counselling company in South Africa.







Ancil van Heerden is a registered debt counselling, operating Perceptive Legal & Consulting Resources since 2007. Perceptive Legal’s aim is to provide debt counselling assistance to consumers who are experiencing debt stress. Ancil is an award-winning expert in the field of debt counselling and an admitted advocate of the High Court. She is a passionate defender of the rights and well being of consumers, and believes that many people could be helped into greater financial stability. Her top-class negotiation skills help consumers get out of debt faster and relatively pain-free.

Ancil was actively involved in consumer complaints on behalf of the Debt Counselling Association of South Africa for two years, and understand the frustrations that consumers experience. She has also supplied court application training and is still a mentor to current and new debt counsellors.


An experienced Banking & Financial Services Executive with extensive international experience obtained in the Middle East, 12 Pan African Countries and South Africa. I have an acute aptitude for Strategy Formulation & Execution, Sustainable Business Development, and effecting Transformational Change.

With 20+ years’ combined Financial Services experience of which 17+ years at Senior and Executive Management levels.

Dynamic, trusted partner, commercially astute, and accomplished strategist adept at motivating teams across diverse business platforms and sectors.

My leadership philosophy is complimentary of maintaining an equitable and balanced approach by being results orientated and people-centered. Responsible for leading successful teams of +1,500 – 5,000 colleagues across multiple territories.

Passionate about customers, embracing new trends, diversifying products and services, with a proven track record of adopting and enabling new technology innovation.