Loan Applications: Checking Affordability & The Customer’s Duty to Be Honest
Recent updates to the law have made it much clearer what both banks (credit providers) and everyday customers must do before a loan is approved. In August 2025, the government published new rules under the National Credit Act (NCA) known as Government Notice Regulation 6510 (GN R6510). These updates force lenders to take realistic steps […]
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 of a written affidavit and must state the date, time and particulars of the incident in question, the name of the debt collector and the name of any witnesses to the incident in question. Within […]
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 the consumer’s debt review status as held on the NCR’s database. It is necessary that the NCR’s system is updated once the debt review process has been set aside by the judicial process or a […]
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 and prevent fraud. Safely store digital or physical copies of your documents separately from the originals to assist with replacement. Protective Registration is free. Key Actions for Stolen/Lost Documents: Register with SAFPS: This adds your document […]
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 Description / Key Provision NCA Section / Regulation 1. Right to Apply for Credit Every adult natural person, juristic person, or association has the right to apply for credit. Section 60 2. Right to Reasons […]
How Should I deal with Debt Collectors
Making Sure Your Debt Collector is Legit Anyone trying to collect a debt from you—whether they work for a big agency or by themselves—must be legally registered with the Council for Debt Collectors (CFDC). If someone contacts you demanding money and you feel suspicious, don’t just pay them. You can check if they are a […]