National Credit Act, 2005 (Act No. 34 of 2005)

Chapter 4 : Consumer Credit Policy


Part A : Consumer Rights

60. Right to apply for credit

61. Protection against discrimination in respect of credit

62. Right to reasons for credit being refused

63. Right to information in official language

64. Right to information in plain and understandable language

65. Right to receive documents

66. Protection of consumer credit rights


Part B : Confidentiality, personal information and consumer credit records

67. Conflicting legislation

68. Right to confidential treatment

69. National register of credit agreements

70. Credit bureau information

71. Removal of record of debt adjustment or judgment

72. Right to access and challenge credit records and information

73. Verification, review and removal of consumer credit information


Part C : Credit marketing practices

74. Negative option marketing and opting out requirements

75. Marketing and sales of credit at home or work

76. Advertising practices

77. Required marketing information


Part D : Over-indebtedness and reckless credit

78. Application and interpretation of this Part

79. Over-indebtedness

80. Reckless credit

81. Prevention of reckless credit

82. Assessment mechanisms and procedures

83. Court may suspend reckless credit agreement

84. Effect of suspension of credit agreement

85. Court may declare and relieve over-indebtedness

86. Application for debt review

87. Magistrate’s Court may re-arrange consumer's obligations

88. Effect of debt review or re-arrangement order or agreement

Debt Counsellors

Marsia Kuypers

Tel: 082 396 2568

Fax: 086 556 3328

Area: Pretoria

Jan-Viljoen Coetzee

Tel: 084 549 1755

Fax: 086 621 9193

Area: Nina Park

Valerie Nakale

Tel: 018 381 8768

Fax: 018 381 8604

Area: Mafikeng

Dean Morris

Tel: 083 645 4094

Fax: 031 763 4363

Area: La Lucia

Joana Vivier

Tel: 053 832 6229

Fax: 086 543 4640

Area: Kimberley

Jacques Jooste

Tel: 011 794 7555

Fax: 011 794 9965

Area: Johannesburg

Marlene Stein

Tel: 012 667 4177

Fax: 086 527 2203

Area: Irene

Heidi Naude

Tel: 044 873 0281

Fax: 086 512 5012

Area: George

Herbert Theron

Tel: 011 472 0088

Fax: 086 655 6730

Area: Florida

Isabe Landman

Tel: 041 933 1189

Fax: 086 591 2676

Area: Despatch

Andiswa Tinto

Tel: 021 431 9134

Fax: 086 523 7084

Area: Cape Town

Jaco Janse Van Rensburg

Tel: 082 568 4969

Fax: 086 645 0389

Area: Barberton

Monique Snyders

Tel: 032 946 3024

Fax: 086 588 4605

Area: Ballito

Christopher Beukes

Tel: 084 2577599

Fax: 021 637 5023

Area: Athlone

Lydia Kinnear

Tel: 082 824 6338

Fax: 086 537 5976

Area: Annlin

Anlizette Schuurman

Tel: 031 903 3840

Fax: 031 701 5570

Area: Amanzimtoti

Kelebogile Mooketsi

Tel: 082 299 3430

Fax: 086 695 3280

Area: Amandasig

Annerie Marais

Tel: 083 703 0486

Fax: 045 838 6572

Area: Aliwall North

Rerandzo Mokgwatlheng

Tel: 082 430 6329

Fax: 011 805 8348

Area: Alexandra Township

Daniel Lezar

Tel: 011 907 1022

Fax: 011 907 1490

Area: Alberton