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    The National Credit Regulator (NCR) can audit all other lenders, but the unregulated lenders are under the radar, despite playing a critical role ...
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National Credit Adviser

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Lending Practises

Illegal Credit Agreements

07/06/2020
nca act, illegal credit agreements, Dispute Settlement, alternative dispute resolution, complaints applications

The majority of South Africans are using some form of credit or have access to some form of credit, whether …

Read moreIllegal Credit Agreements

Tags credit agreements, illegal lending, NCA, NCR

Dealing with loans – Some Expert Advise

02/05/202021/06/2019
Expert advice on dealing with loans

If you have a current loan you will find this article “expert advice on dealing with loans” useful. As more …

Read moreDealing with loans – Some Expert Advise

Are banks routinely overcharging on vehicle loans in arrears?

16/04/201903/10/2018
interest on arrears

Are you being charged interest on arrears? Not keeping up with regular payments can expose you to additional charges, interest …

Read moreAre banks routinely overcharging on vehicle loans in arrears?

Tags interest on arrears

How will South Africa’s financial sector adapt to the Fourth Industrial Revolution?

19/09/201819/09/2018
How will South Africa’s financial sector adapt to the Fourth Industrial Revolution?

How will South Africa’s financial sector adapt to the Fourth Industrial Revolution? Over the past year, South Africa has seen …

Read moreHow will South Africa’s financial sector adapt to the Fourth Industrial Revolution?

Tags cryptocurrency, Cybersecurity, Data management, Data protection, South African Reserve Bank

Debt Relief May Be the Answer to the South African Debt Problem

28/07/2018
debt relief bill

Debt Relief May Be the Answer to the South African Debt Problem South Africans who earn less than R7500 and …

Read moreDebt Relief May Be the Answer to the South African Debt Problem

Need a loan? Make sure you tick these five boxes

10/07/2018
loan

Added financial pressure makes applying for a loan seem like an attractive option. The recent VAT increase and the largest …

Read moreNeed a loan? Make sure you tick these five boxes

Tags informal loans, loans, secured loans, unsecured loans

Car prices: what you see is not what you pay

09/07/201804/07/2018
upfront costs

Lookout for upfront costs when buying a car. The cost of buying a car can come with some nasty, unexpected …

Read moreCar prices: what you see is not what you pay

Tags apply for credit, know your rights, lending practises, loan application

How to identify reckless lending

13/06/201802/06/2018
reckless lending,affordability assessment

How do you know whether you are vulnerable to reckless lending practices? The following case studies provide an insight as …

Read moreHow to identify reckless lending

Tags case studies, debt counsellors, lending practises, reckless lending

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