Articles about Consumer and Credit Law
Updating of a Consumer’s Debt Review Status once the Debt Review withdrawal judicial process is complete
Prior to the National Credit Regulator’s Circular 9 of 2025 the National Credit Regulator (NCR) attended to the updating of
How to File a Complaint with the Debt Collectors Council
File Debt Collector Complaint Report Debt Collector Misconduct, a complaint to the Debt Collectors Council must be in the form
How To Apply for Protective Registration Against Future Fraud if your Identity Book Or Passport is stolen or lost
If your ID or passport is lost or stolen, report it to SAFPS via 011 867 2234 or protection@safps.org.za to alert members
A summary of consumer rights under the National Credit Act (NCA)
A summary of consumer rights under the National Credit Act (NCA) as extracted from the “DIY Credit Repair Toolkit”: Right
How Should I deal with Debt Collectors
As of 11 August 2003, all debt collectors, whether they are employed by a company or operate individually, have to
What to know when settling an account that is on your credit report
Where you do not dispute any information on your credit record and you want to repair your credit record by
The right to be issued with a clearance certificate and the cancellation of the debt review process
(as extracted from Nicky Campbell’s Chapter 6, “The consumer’s rights and credit provider’s obligations”, in The Guide to the National
What to look out for when shopping for credit
Understanding Credit Under the National Credit Act The noun “credit” is strictly defined in the National Credit Act
The effect of Rougier v Nedbank on the cancellation of debt review
The National Credit Act 34 of 2005 essentially gives a consumer the right to apply to a debt counsellor for
Early settlement of debt and how to get there
The National Credit Act regulates how accounts can be settled early. To begin with, a consumer would need a settlement
Sequestration Basics: How Does Bankruptcy Work
Individuals facing insurmountable debt have legal options to relieve their financial burden, with sequestration and bankruptcy among the most notable.
Sequestration, Administration and Debt Review Compared
Sequestration some salient points: Administration, some salient points: Debt Review, some salient points: • High Court procedure – more costly•
Dereliction and Relegation of Debt Counsellor’s Duties may prove costly for Debt Counsellors
In December 2016, three people were ordered to pay R180 000.00 in fines for failing to comply with debt counselling
Can a Garnishee Order or Emoluments Attachment Order be Set Aside?
An emoluments attachment order, or “garnishee” may be amended or rescinded provided the person bringing the application shows a valid
Prescribed Debt and the defence of prescription clarified
The collection of prescribed debt is prohibited. No person may sell a debt under a credit agreement that has been
Trapped in administration? Cancel it or write it off!
An administration order is granted in terms of the Magistrates’ Court Act 32 of 1944 where the consumers debt is
Property Auctioned for Debt? You have rights to fair treatment!
Joe was diagnosed with heart disease and had to reduce his working hours, with the resultant effect that his monthly
Data-retention periods for credit bureau information
Data-retention periods for credit bureau information The National Credit Act prescribes the maximum periods for which consumer credit information may
Beware! Upfront fees for credit repair are unlawful
Credit repair in South Africa has become a formidable industry. Only ten years ago, one needed an attorney to improve
