National Credit Act, 2005 (Act No. 34 of 2005)
Chapter 8 : Enforcement of Act
Part B : Offences

156. Breach of confidence

1)        It is an offence to disclose any confidential information concerning the affairs of any person or juristic person obtained-

a)        in carrying out any function in terms of this Act; or

b)        as a result of initiating a complaint or participating in any proceedings in terms of this Act.


2)        Subsection (1) does not apply to information disclosed-

a)        for the purpose of the proper administration or enforcement of this Act;

b)        for the purpose of the administration of justice; or

c)        at the request of an inspector, regulator or member of the Tribunal entitled to receive the information.

157. Hindering administration of Act

It is an offence to hinder, oppose, obstruct or unduly influence any person who is exercising a power or performing a duty delegated, conferred or imposed on that person by this Act.

158. Failure to attend when summoned

A person commits an offence who, having been directed or summoned to attend a hearing-

a)        fails without sufficient cause to appear at the time and place specified or to remain in attendance until excused; or

b)        attends as required, but-

i)          refuses to be sworn in or to make an affirmation; or

ii)         fails to produce a book, document or other item as ordered, if it is in the possession of, or under the control of, that person.

159. Failure to answer fully or truthfully

A person commits an offence who, having been sworn in or having made an affirmation-

a)        subject to section 139(5), fails to answer any question fully and to the best of that person’s ability; or

b)        gives false evidence, knowing or believing it to be false.

160. Offences relating to regulator and Tribunal

1)        A person commits an offence who contravenes or fails to comply with an order of the Tribunal.


2)        A person commits an offence who-

a)        does anything calculated to improperly influence the Tribunal or a regulator concerning any matter connected with an investigation;

b)        anticipates any findings of the Tribunal or a regulator concerning an investigation in a way that is calculated to influence the proceedings or findings;

c)        does anything in connection with an investigation that would have been contempt of court if the proceedings had occurred in a court of law;

d)        knowingly provides false information to a regulator;

e)        defames the Tribunal or a member of the Tribunal, in their respective official capacities;

f)          wilfully interrupts the proceedings of a hearing or misbehaves in the place where a hearing is being conducted;

g)        acts contrary to a warrant to enter and search; or

h)        without authority, but claiming to have authority in terms of section 153-

i)          enters or searches premises; or

ii)         attaches or removes an article or document.

161. Penalties

Any person convicted of an offence in terms of this Act, is liable-

a)        in the case of a contravention of section 160(1), to a fine or to imprisonment for a period not exceeding 10 years, or to both a fine and imprisonment; or

b)        in any other case, to a fine or to imprisonment for a period not exceeding 12 months, or to both a fine and imprisonment.

162. Magistrate’s Court jurisdiction to impose penalties

Despite anything to the contrary contained in any other law, a Magistrate’s Court has jurisdiction to impose any penalty provided for in section 161.

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