National Credit Act, 2005 (Act No. 34 of 2005)
Chapter 7 : Dispute Settlement other than debt enforcement
Part D : Tribunal consideration of complaints, applications and referrals

142. Hearings before Tribunal

1)        The Tribunal must conduct its hearings in public-

a)        in an inquisitorial manner;

b)        as expeditiously as possible;

c)        as informally as possible; and

d)        in accordance with the principles of natural justice.


2)        Despite subsection (1), the Tribunal member presiding at a hearing may exclude members of the public, or specific persons or categories of persons, from attending the proceedings-

a)        if evidence to be presented is confidential information, but only to the extent that the information cannot otherwise be protected;

b)        if the proper conduct of the hearing requires it; or

c)        for any other reason that would be justifiable in civil proceedings in a High court.


3)        The Chairperson of the Tribunal must assign any of the following matters to be heard by a single member of the Tribunal, sitting alone:

a)        Any application by a consumer or credit provider in terms of section 137(3);

b)        consent orders in terms of this Act;

c)        applications to permit late filing;

d)        review of requests for additional information, in terms of section 45(2);

e)        review of an order to cease engaging in an activity, in terms of section 54;

f)          applications for an order limiting consumer requests in terms of section 62, 65, 72, 110 or 113; or

g)        applications for an order concerning the remittance of proceeds of sale, in terms of section 127 or 131.


4)        At the conclusion of a hearing, the Tribunal must make any order permitted in the circumstances in terms of this Act and must issue written reasons for its decision.


5)        The Tribunal must provide the participants and members of the public reasonable access to the record of each hearing, subject to any ruling to protect confidential information made in terms of subsection (2)(a).

143. Right to participate in hearing

The following persons may participate in a hearing contemplated in this Part, in person or through a representative, and may put questions to witnesses and inspect any books, documents or items presented at the hearing:

a)        The National Credit Regulator;

b)        the applicant or complainant, and in the case of a complaint concerning an alleged contravention of section 61, the consumer or prospective consumer, if that person is not the complainant;

c)        the respondent; and

d)        any other person who has a material interest in the hearing, unless, in the opinion of the presiding member of the Tribunal, that interest is adequately represented by another participant.

144. Powers of member presiding at hearing

The member of the Tribunal presiding at a hearing may-

a)        direct or summon any person to appear at any specified time and place;

b)        question any person under oath or affirmation;

c)        summon or order any person-

i)          to produce any book, document or item necessary for the purposes of the hearing; or

ii)         to perform any other act in relation to this Act; and

d)        give directions prohibiting or restricting the publication of any evidence given to the Tribunal.

145. Rules of procedure

Subject to the rules of procedure of the Tribunal, the member of the Tribunal presiding at a hearing may determine any matter of procedure for that hearing, with due regard to the circumstances of the case and the requirements of the applicable sections of this Act.

146. Witnesses

1)        Every person giving evidence at a hearing of the Tribunal must answer any relevant question.


2)        The law regarding a witness’s privilege in a criminal case in a court of law applies equally to a person who provides information during a hearing.


3)        The Tribunal may order a person to answer any question or to produce any article or document, even if it is self-incriminating to do so.


4)        Section 139(5) applies to evidence given by a witness in terms of this section.

147. Costs

1)        Subject to subsection (2), each party participating in a hearing must bear its own costs.


2)        If the Tribunal-

a)        has not made a finding against a respondent, the member of the Tribunal presiding at a hearing may award costs to the respondent and against a complainant who referred the complaint in terms of section 141(1); or

b)        has made a finding against a respondent, the member of the Tribunal presiding at a hearing may award costs against the respondent and to a complainant who referred the complaint in terms of section 141(1).

148. Appeals and reviews

1)        A participant in a hearing before a single member of the Tribunal may appeal a decision by that member to a full panel of the Tribunal.


2)        Subject to the rules of the High Court, a participant in a hearing before a full panel of the Tribunal may-

a)        apply to the High Court to review the decision of the Tribunal in that matter; or

b)        appeal to the High Court against the decision of the Tribunal in that matter, other than a decision in terms of section 138.

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