Consumer Protection

You and Your Rights: Debt Collection

The National Debt Collection Act 114 of 1998 regulates the process of collecting debts in South Africa. Debt Collection is when an attorney; a person who is an agent of an attorney; or a registered debt collector collects, on behalf of the client,...

You and Your Rights: Debt Counselling

Section 86 of the National Credit Act (34 of 2005), introduces the concept of debt review – more commonly known as debt counselling. Debt counselling is when an independent person – who is registered with the National Credit Regulator ....

You and Your Rights: Credit Agreements and Contracts

Credit providers – like banks, micro-lenders and shops - have responsibilities. They can only lend money if they are registered with the National Credit Regulator. This protects consumers from being abused by people and organisations that lend money.

You and Your Rights: Credit Bureaux

A Credit bureau is an organisation that keeps a record of your credit information. Your credit record shows how you manage your debts and is used by credit providers and moneylenders to decide if you can afford to borrow money or pay back a new loan.

Consumer Protection Act: Buying Goods under the Consumer Protection Act

The Consumer Protection Act (which came into force on 1 April 2011) seeks to protect consumers from unfair business practices, inferior products, and false or misleading marketing.