(1004,25,1,'','2021-09-09 15:08:56',915,27327,'db7a64d1078f6b874d68a0d05fa273ac9fa03f99','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 938px;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 05 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-09-09 15:08:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-09-09 15:08:48\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":43,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8114\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1005,25,1,'','2021-09-09 15:09:35',915,27326,'769612ee27ef069577530392f3e2d6df871f1e1a','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 05 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-09-09 15:09:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-09-09 15:08:56\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":44,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8116\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1006,25,1,'','2021-09-09 15:23:01',915,27325,'d990d2f24d3de79fcd08cc5ecd76aba413e58417','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-09-09 15:23:01\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-09-09 15:09:35\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":45,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8118\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1008,25,1,'','2021-09-15 08:22:38',915,27745,'5569168a1e4fa06e6b61743a55c4275224566f95','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-09-15 08:22:38\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-09-15 08:16:03\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":46,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8314\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1014,39,1,'','2021-10-05 15:50:45',915,1930,'5a33dc7b9ebcd76283ad430084ec83a2c7ecfb2e','{\"id\":39,\"asset_id\":\"146\",\"title\":\"NCR BBBEE Certificate\",\"alias\":\"ncr-bbbee-certificate\",\"introtext\":\"<p><a href=\\\"documents\\/COR07-C2 - GENERIC SPECIALISED BEE Certificate - NCR.pdf\\\">Click here<\\/a> to view the NCR BBBEE CERTIFICATE<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"23\",\"created\":\"2019-04-11 09:28:11\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-05 15:50:45\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-05 15:47:57\",\"publish_up\":\"2019-04-11 09:28:11\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3100\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1021,120,1,'','2021-10-13 15:57:51',915,7387,'9b560be512468625ff80be64aed362eecf7175c3','{\"id\":120,\"asset_id\":277,\"title\":\"Mortgages growth holds steady \",\"alias\":\"mortgages-growth-holds-steady\",\"introtext\":\"<p align=\\\"right\\\"><strong>October 2021<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from April 2021 to June 2021. The total value of new credit granted increased by 5.81% quarter-on-quarter from R138.81 billion to R146.87 billion. The number of credit agreements entered into increased by 9.63% quarter-on-quarter from 3.20 million to 3.50 million.<br \\/> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2021:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted increased by R2.32 billion (4.27%) quarter-on-quarter and by R43.60 billion (335.77%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, increased by R2.23 billion (5.45%) quarter-on-quarter, and by R22.67 billion (110.50%) year-on-year.<\\/li>\\r\\n<li>Credit facilities increased by R1.18 billion (6.02%) quarter-on-quarter and by R11.33 billion (119.24%) year-on year.<\\/li>\\r\\n<li>Unsecured credit increased by R2.32 billion (11.51%) quarter-on-quarter and by R12.23 billion (119.71%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2021 was R2.05 trillion, representing an increase of 0.95% quarter-on-quarter and of 4.64% year-on-year. The trends for outstanding balances for the quarter ended June 2021 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R18.16 billion (1.74%) quarter\\u2013on-quarter and by R76.48 billion (7.77%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R3.12 billion (0.68%) quarter-on-quarter and by R16.06 billion (3.62%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R1.53 billion (0.58%) quarter-on-quarter and by R8.66 billion (3.36%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book decreased by R2.77 billion (1.30%) quarter-on-quarter and by R10.72 billion (4.85%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 26.22 million credit-active consumers, which showed a decrease of 4.77% when compared to the 27.53 million in the previous quarter. Consumers classified in good standing decreased by 868,581 to 16.14 million consumers. This amounts to 61.59% of the total number of credit-active consumers. The number of credit-active accounts decreased from 85.09 million to 85.08 million in the quarter ended June 2021. The number of impaired accounts has decreased from 20.18 million (23.71%) to 19.86 million (23.34%) in June 2021, a decrease of 313,348 quarter-on-quarter and 796,144 year-on-year.<\\/p>\\r\\n<p>The number of credit reports issued to consumers increased from 584,437 to 588,018. A total of 548,150 (93.22%) credit reports were issued free of charge, and the balance of 39,868 (6.78%) were issued at a cost. There were 30,844 disputes lodged on information held on consumer credit records for the quarter ended June 2021.<\\/p>\\r\\n<p>It is by no doubt that, COVID-19 has had a financial impact on consumers as some have lost employment whilst others have had a reduction in their income. This has therefore; put a lot of strain to immediate families and even extended families. The NCR continues to encourage those consumers who are battling with their debts to use available debt relief mechanisms such as contacting one\\u2019s credit providers and re-negotiating payment terms, if this fails, consumers can consider debt counselling. A list of all registered debt counsellors is available on the NCR\\u2019s website (<a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> or by calling 0860 627 627). Credit life insurance is also an option to be considered where necessary. In order to know if you have credit life insurance, consumers should check their credit agreements or contact their credit providers for assistance, says Nomsa Motshegare, the Chief Executive Officer (CEO) of the NCR.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong><em>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the March and June 2021 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the June 2020 and June 2021 quarters<\\/em><\\/strong><strong>.<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong> <\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong> <br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Didi Sebothoma <br \\/> 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-10-13 15:57:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-13 15:57:51\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-10-13 15:57:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0);
INSERT INTO `zbk92_ucm_history` (`version_id`, `ucm_item_id`, `ucm_type_id`, `version_note`, `save_date`, `editor_user_id`, `character_count`, `sha1_hash`, `version_data`, `keep_forever`) VALUES (1022,120,1,'','2021-10-13 16:05:13',915,7405,'cd6e8658758af6ec3576ddd898666421e7299702','{\"id\":120,\"asset_id\":\"277\",\"title\":\"Mortgages growth holds steady \",\"alias\":\"mortgages-growth-holds-steady\",\"introtext\":\"<p align=\\\"right\\\"><strong>October 2021<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from April 2021 to June 2021. The total value of new credit granted increased by 5.81% quarter-on-quarter from R138.81 billion to R146.87 billion. The number of credit agreements entered into increased by 9.63% quarter-on-quarter from 3.20 million to 3.50 million.<br \\/> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2021:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted increased by R2.32 billion (4.27%) quarter-on-quarter and by R43.60 billion (335.77%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, increased by R2.23 billion (5.45%) quarter-on-quarter, and by R22.67 billion (110.50%) year-on-year.<\\/li>\\r\\n<li>Credit facilities increased by R1.18 billion (6.02%) quarter-on-quarter and by R11.33 billion (119.24%) year-on year.<\\/li>\\r\\n<li>Unsecured credit increased by R2.32 billion (11.51%) quarter-on-quarter and by R12.23 billion (119.71%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2021 was R2.05 trillion, representing an increase of 0.95% quarter-on-quarter and of 4.64% year-on-year. The trends for outstanding balances for the quarter ended June 2021 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R18.16 billion (1.74%) quarter\\u2013on-quarter and by R76.48 billion (7.77%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R3.12 billion (0.68%) quarter-on-quarter and by R16.06 billion (3.62%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R1.53 billion (0.58%) quarter-on-quarter and by R8.66 billion (3.36%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book decreased by R2.77 billion (1.30%) quarter-on-quarter and by R10.72 billion (4.85%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 26.22 million credit-active consumers, which showed a decrease of 4.77% when compared to the 27.53 million in the previous quarter. Consumers classified in good standing decreased by 868,581 to 16.14 million consumers. This amounts to 61.59% of the total number of credit-active consumers. The number of credit-active accounts decreased from 85.09 million to 85.08 million in the quarter ended June 2021. The number of impaired accounts has decreased from 20.18 million (23.71%) to 19.86 million (23.34%) in June 2021, a decrease of 313,348 quarter-on-quarter and 796,144 year-on-year.<\\/p>\\r\\n<p>The number of credit reports issued to consumers increased from 584,437 to 588,018. A total of 548,150 (93.22%) credit reports were issued free of charge, and the balance of 39,868 (6.78%) were issued at a cost. There were 30,844 disputes lodged on information held on consumer credit records for the quarter ended June 2021.<\\/p>\\r\\n<p>It is by no doubt that, COVID-19 has had a financial impact on consumers as some have lost employment whilst others have had a reduction in their income. This has therefore; put a lot of strain to immediate families and even extended families. The NCR continues to encourage those consumers who are battling with their debts to use available debt relief mechanisms such as contacting one\\u2019s credit providers and re-negotiating payment terms, if this fails, consumers can consider debt counselling. A list of all registered debt counsellors is available on the NCR\\u2019s website (<a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> or by calling 0860 627 627). Credit life insurance is also an option to be considered where necessary. In order to know if you have credit life insurance, consumers should check their credit agreements or contact their credit providers for assistance, says Nomsa Motshegare, the Chief Executive Officer (CEO) of the NCR.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong><em>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the March and June 2021 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the June 2020 and June 2021 quarters<\\/em><\\/strong><strong>.<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong> <br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Didi Sebothoma <br \\/> 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-10-13 15:57:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-13 16:05:13\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-13 15:57:51\",\"publish_up\":\"2021-10-13 15:57:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1023,93,1,'','2021-10-13 16:07:39',915,3520,'e9d20d81d465acf84fd48c7116836027357d1a27','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>127 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p>232-15th Road <strong>(Complaints Department)<\\/strong><br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<!--<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>--><\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-13 16:07:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-13 16:05:21\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":33,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"12354\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1024,33,1,'','2021-10-14 13:29:06',915,6248,'e33de9d612ddbbc63c62f9ebfc78c13cf527cb7c','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<ul class=\\\"text-center\\\" style=\\\"list-style-position: inside;\\\">\\r\\n<li><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\">SASBO section 127 NCA final<br \\/> <img src=\\\"documents\\/Brochures\\/section_127.jpg\\\" alt=\\\"\\\" width=\\\"111\\\" \\/> <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 13:29:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 13:24:42\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":37,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6258\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1025,33,1,'','2021-10-14 13:30:01',915,6249,'6b261cfe74ddca05c7b34c733b3ad94e54b70fcd','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<ul class=\\\"text-center\\\" style=\\\"list-style-position: inside;\\\">\\r\\n<li><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\"> <img src=\\\"documents\\/Brochures\\/section_127.jpg\\\" alt=\\\"\\\" width=\\\"111\\\" \\/><br \\/> SASBO section 127 NCA final <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 13:30:01\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 13:29:06\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":38,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6259\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1026,33,1,'','2021-10-14 13:30:44',915,6159,'f281a5d8e8ab8e992c3b86abd5817d322f48f6bc','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\"> <img src=\\\"documents\\/Brochures\\/section_127.jpg\\\" alt=\\\"\\\" width=\\\"111\\\" \\/><br \\/><br \\/> SASBO section 127 NCA final <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 13:30:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 13:30:01\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":39,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6260\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1027,33,1,'','2021-10-14 13:32:58',915,6317,'5601752f5bab4b465552358e927090781ea37161','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><strong>Section 127 of the national credit act \\u2013 surrender of goods \\u2013 FAQ\'S<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\"> <img src=\\\"documents\\/Brochures\\/section_127.jpg\\\" alt=\\\"\\\" width=\\\"111\\\" \\/><br \\/><br \\/> SASBO section 127 NCA final <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 13:32:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 13:30:44\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":40,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6261\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1028,33,1,'','2021-10-14 13:34:01',915,6311,'a7665be61dd6613e991a867a6071ab63168d887e','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><strong>Section 127 of the national credit act \\u2013 surrender of goods \\u2013 FAQ\'S<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\"> <img src=\\\"documents\\/Brochures\\/section_127.jpg\\\" alt=\\\"\\\" width=\\\"111\\\" \\/><br \\/><br \\/> SASBO section 127 NCA <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 13:34:01\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 13:32:58\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":41,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6262\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1029,33,1,'','2021-10-14 13:38:32',915,6372,'3452990d70c51c3cc31fed6379a057ce93693547','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><strong>Section 127 of the national credit act \\u2013 surrender of goods \\u2013 FAQ\'S<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><a href=\\\"documents\\/NCR - SECTION 127 OF THE NATIONAL CREDIT ACT \\u2013 SURRENDER OF GOODS \\u2013 FAQ\\u2019s.pdf\\\"> <img src=\\\"documents\\/Brochures\\/section_127.jpg\\\" alt=\\\"\\\" width=\\\"111\\\" \\/><br \\/><br \\/> SASBO section 127 NCA <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 13:38:32\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 13:34:01\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":42,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6265\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1030,93,1,'','2021-10-14 15:24:21',915,3543,'332490ede2b05ee8b99d64f3a5697ec4d165b32f','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>127 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p>232-15th Road <strong>(Call-Centre, Complaints and Investigations. )<\\/strong><br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<!--<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>--><\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 15:24:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 15:23:12\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":34,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"12449\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1031,93,1,'','2021-10-14 15:24:57',915,3553,'5ec5c5cc9e15b745fc9050f620d52e01b93db93c','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>127 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p>232-15th Road <strong>(Call-Centre, Complaints and Investigations Department )<\\/strong><br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<!--<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>--><\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 15:24:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 15:24:21\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":35,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"12450\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1032,27,1,'','2021-10-14 16:25:38',915,5895,'7d3d8a143241157045b6f138517262dfc9cc5d4e','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"650\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_-report_2020_2021.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR-AR2020-2021.pdf\\\">Annual Report 2020\\/2021<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_report_2019_2020.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR_AnnualReport_2019-2020_2611.pdf\\\">Annual Report 2019\\/2020<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/Cover19P1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR%20AR%202018.2019.pdf\\\">Annual Report 2018\\/2019<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\u00a0\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_cover_18.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/> <br \\/><a href=\\\"documents\\/pages\\/Annual Reports\\/NCR Annual Report 2017-18.pdf\\\">Annual Report 2017\\/2018<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_7.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2017.pdf\\\">Annual Report 2016\\/2017<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2015-16.pdf\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_2.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2014-15.pdf\\\">Annual Report 2014\\/2015<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_5.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR AR 2014 lr.pdf\\\">Annual Report 2013\\/2014<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_4.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2012-13.pdf\\\">Annual Report 2012\\/2013<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_3.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2011-12.pdf\\\">Annual Report 2011\\/2012<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_6.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/2010-11 Annual report.pdf\\\">Annual Report 2011\\/2010<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<!--<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n--><\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:11:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-14 16:25:38\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-14 16:18:50\",\"publish_up\":\"2019-04-02 12:11:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":20,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"7077\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1033,33,1,'','2021-10-19 14:39:36',915,6370,'c27cd6dc47005fced0dda4d0a9d55c297d7363be','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><strong>Section 127 of the national credit act \\u2013 surrender of goods \\u2013 FAQ\'S<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\"><a href=\\\"documents\\/NCR_SECTION 127 OF THE NATIONAL CREDIT ACT \\u2013 SURRENDER OF GOODS \\u2013 FAQ\\u2019s.pdf\\\"> <img src=\\\"documents\\/Brochures\\/section_127.jpg\\\" alt=\\\"\\\" width=\\\"111\\\" \\/><br \\/><br \\/> SASBO section 127 NCA <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-19 14:39:36\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-19 14:38:30\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":44,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"6436\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1034,27,1,'','2021-10-20 17:04:50',915,5895,'9fa2e17c074dcdef759847fdfdcf28ca12fefa27','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"650\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_-report_2020_2021.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR-AR2020-2021.pdf\\\">Annual Report 2020\\/2021<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_report_2019_2020.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR_AnnualReport_2019-2020_2611.pdf\\\">Annual Report 2019\\/2020<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"documents\\/pages\\/Annual%20Reports\\/Cover19P1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/pages\\/Annual%20Reports\\/NCR%20AR%202018.2019.pdf\\\">Annual Report 2018\\/2019<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\">\\u00a0 <img src=\\\"documents\\/pages\\/Annual%20Reports\\/annual_cover_18.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/> <br \\/><a href=\\\"documents\\/pages\\/Annual Reports\\/NCR Annual Report 2017-18.pdf\\\">Annual Report 2017\\/2018<\\/a><\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_7.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2017.pdf\\\">Annual Report 2016\\/2017<\\/a><\\/p>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2015-16.pdf\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_2.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2014-15.pdf\\\">Annual Report 2014\\/2015<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_5.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR AR 2014 lr.pdf\\\">Annual Report 2013\\/2014<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_4.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR ANNUAL REPORT 2012-13.pdf\\\">Annual Report 2012\\/2013<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_3.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR Annual Report 2011-12.pdf\\\">Annual Report 2011\\/2012<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_6.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/2010-11 Annual report.pdf\\\">Annual Report 2011\\/2010<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<!--<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td><p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_1.jpg\\\" alt=\\\"\\\"  width=\\\"150\\\"\\/><br><br>\\r\\n<a href=\\\"\\\">Annual Report 2015\\/2016<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n--><\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:11:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-20 17:04:50\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-20 17:01:54\",\"publish_up\":\"2019-04-02 12:11:13\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":21,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"7279\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1036,121,1,'','2021-10-21 15:55:40',915,6414,'30eadc320a08c89e6518ce80b75e45a410ae146a','{\"id\":121,\"asset_id\":278,\"title\":\"It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit \",\"alias\":\"it-is-illegal-for-a-credit-provider-to-take-a-consumer-s-id-or-cards-when-granting-credit\",\"introtext\":\"<p align=\\\"right\\\"><strong>October 2021<\\/strong><\\/p>\\r\\n<p>\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the <em>modus operandi<\\/em> adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d. Ms Anne-Carien Du Plooy, Acting Manager: Education and Communication at the National Credit Regulator said that all people meeting voting requirements have a constitutional right to vote during elections held in the country. The National Credit Regulator is therefore, instructing all credit providers illegally in possession of consumers\\u2019 personal instruments to return them to the rightful owners as consumers will need their IDs in order to participate in the upcoming elections, she stressed.<\\/p>\\r\\n<p>If your bank card or identity document has been taken by a credit provider, you are urged to fetch it from that credit provider. Should they refuse to return these instruments, report the credit provider to your nearest South African Police Service as their conduct constitutes a criminal offence in terms of the National Credit Act, advises Du Plooy.<\\/p>\\r\\n<p>It is the responsibility of credit providers to thoroughly assess consumers\\u2019 applications and conduct an affordability assessment before advancing credit to any consumer. It is in contravention of the National Credit Act to extend credit when you have knowledge that a consumer does not qualify for such a loan. This might constitute reckless credit, she warns.<\\/p>\\r\\n<p>Du Plooy says that there seems to be confusion about who is supposed to register as a credit provider. In order to clarify this, she explains that it is a requirement for anyone lending money and charging interest, irrespective of the credit amount or the number of clients the credit provider has. Consumers are urged to only use credit providers registered with the National Credit Regulator. Maximum interest rates and other fees such as monthly service fees and once off initiation fees are regulated by the National Credit Act. This means that all credit providers, including smaller ones commonly known as <em>\\u201cLoan sharks<\\/em>\\u201d, \\u201c<em>Mashonisa\\u201d<\\/em> or \\u201c<em>Skoppers\\u201d<\\/em> must adhere to the maximum cost of credit as outlined in the National Credit Act.<\\/p>\\r\\n<p>If your application for credit is declined, you have the right to be given reasons by the credit provider for the decision. If the reason is, for example, a negative listing at the credit bureau, you need to pay the debt in question for this information to be removed. You do not need to pay a third party for the removal of information at the credit bureau. If the reason is affordability, ensure that you pay your current debt before applying for a new one. Running to unregistered credit providers will be the beginning of your non-ending financial woes, warns Du Plooy.<\\/p>\\r\\n<p>Consumers should contact the National Credit Regulator for additional information, to lodge a complaint or to report credit providers who keep consumers\\u2019 IDs, Bank \\/ SASSA cards at 0860 627\\u00a0627 or <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a>, concludes Du Plooy.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<\\/p>\\r\\n<p align=\\\"center\\\">Didi Sebothoma<br \\/> 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-10-21 15:55:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-21 15:55:40\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-10-21 15:55:40\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1049,122,1,'','2021-11-16 13:50:53',915,6889,'63aeaca5118a2c1f8c7de35f0e3e6c2326eb09ae','{\"id\":122,\"asset_id\":279,\"title\":\"Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget!\",\"alias\":\"lit-black-friday-vibes-don-t-burn-your-budget\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>Statistics released by the National Credit Regulator (NCR), as at June 2021, revealed that, 61.59% (16.14 million) of the 26.22 million credit active consumers are in good standing, whilst 38.41% (10.07 million) have impaired records. An impaired record is one which a consumer and\\/or any of the accounts, are either classified as three or more payments or months in arrears, or which has an \\u201cadverse listing\\u201d, or that reflects a judgment or administration order. The negative impact of COVID-19 over the last two years on consumers\\u2019 finances has caused some financial distress. Therefore, sales such as those on Black Friday should be approached cautiously by consumers to avoid reckless spending and borrowing and possible over- indebtedness, says Anne-Carien Du Plooy, Acting Manager: Education and Communication at the NCR.<\\/p>\\r\\n<p>Given the hype and the alluring advertising by different retailers, consumers are overcome by the temptation to buy the \\u201cspecials\\u201d and benefit from the \\u201cdeals\\u201d on offer. Such deals may blindside the consumer causing unnecessary credit purchases. Du Plooy reminds consumers that credit purchases don\\u2019t actually amount to a savings as you have to pay interest and other fees. Remember, unplanned and impulsive buying, especially on credit, may ultimately damage your credit bureau record and lower your credit score. So it is wise to save and plan your spending for Black Friday and festive season sales, she adds.<\\/p>\\r\\n<p>Consumers intending to buy on credit should do so responsibly. Check and compare prices before the actual day to source the best deals. Before you commit to a credit agreement, check your budget to establish if you will be able to afford repayments. Always request a pre-agreement statement and quotation and know the real cost of credit after interest and all the other fees have been added, she advised.<\\/p>\\r\\n<p>Tips to stay financially savvy during Black Friday hype:<\\/p>\\r\\n<ul>\\r\\n<li>Avoid impulsive buying. If you did not plan for this year, rather save for other upcoming \\u201cspecials\\u201d during and beyond the festive season, this is not the end of the world;<\\/li>\\r\\n<li>Avoid borrowing from unregistered credit providers to feed your temptations;<\\/li>\\r\\n<li>Set aside the amount you intend to use during Black Friday. Draw up a budget and stick to it. Shopping lists will help to curb excessive spending and unnecessary purchases;<\\/li>\\r\\n<li>If you will be applying for a loan, only apply for what you need, do not be tempted to apply for more just because you are told that you qualify for more;<\\/li>\\r\\n<li>Prioritise your debts \\u2013 pay off your current debt first before spending money on \\u201cwants\\u201d and making new debt;<\\/li>\\r\\n<li>Stop comparing yourself with peers and colleagues, everyone has different affordability and budget so don\\u2019t compete;<\\/li>\\r\\n<li>Develop a culture of saving and try to save a little every month towards some goal;<\\/li>\\r\\n<li>Always live within your means and not your imagination.<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong> <br \\/> <u>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 <\\/u><\\/p>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Didi Sebothoma: 064\\u00a0752 3910 <br \\/> Email: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 13:50:53\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 13:50:53\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-11-16 13:50:53\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1050,122,1,'','2021-11-16 14:58:29',915,6121,'01d91a384fff1ffe5f43b7950199fef615b91c2b','{\"id\":122,\"asset_id\":\"279\",\"title\":\"Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget!\",\"alias\":\"lit-black-friday-vibes-don-t-burn-your-budget\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>Statistics released by the National Credit Regulator (NCR), as at June 2021, revealed that, 61.59% (16.14 million) of the 26.22 million credit active consumers are in good standing, whilst 38.41% (10.07 million) have impaired records. An impaired record is one which a consumer and\\/or any of the accounts, are either classified as three or more payments or months in arrears, or which has an \\u201cadverse listing\\u201d, or that reflects a judgment or administration order. The negative impact of COVID-19 over the last two years on consumers\\u2019 finances has caused some financial distress. Therefore, sales such as those on Black Friday should be approached cautiously by consumers to avoid reckless spending and borrowing and possible over- indebtedness, says Anne-Carien Du Plooy, Acting Manager: Education and Communication at the NCR.<\\/p>\\r\\n<p>Given the hype and the alluring advertising by different retailers, consumers are overcome by the temptation to buy the \\u201cspecials\\u201d and benefit from the \\u201cdeals\\u201d on offer. Such deals may blindside the consumer causing unnecessary credit purchases. Du Plooy reminds consumers that credit purchases don\\u2019t actually amount to a savings as you have to pay interest and other fees. Remember, unplanned and impulsive buying, especially on credit, may ultimately damage your credit bureau record and lower your credit score. So it is wise to save and plan your spending for Black Friday and festive season sales, she adds.<\\/p>\\r\\n<p>Consumers intending to buy on credit should do so responsibly. Check and compare prices before the actual day to source the best deals. Before you commit to a credit agreement, check your budget to establish if you will be able to afford repayments. Always request a pre-agreement statement and quotation and know the real cost of credit after interest and all the other fees have been added, she advised.<\\/p>\\r\\n<p>Tips to stay financially savvy during Black Friday hype:<\\/p>\\r\\n<ul>\\r\\n<li>Avoid impulsive buying. If you did not plan for this year, rather save for other upcoming \\u201cspecials\\u201d during and beyond the festive season, this is not the end of the world;<\\/li>\\r\\n<li>Avoid borrowing from unregistered credit providers to feed your temptations;<\\/li>\\r\\n<li>Set aside the amount you intend to use during Black Friday. Draw up a budget and stick to it. Shopping lists will help to curb excessive spending and unnecessary purchases;<\\/li>\\r\\n<li>If you will be applying for a loan, only apply for what you need, do not be tempted to apply for more just because you are told that you qualify for more;<\\/li>\\r\\n<li>Prioritise your debts \\u2013 pay off your current debt first before spending money on \\u201cwants\\u201d and making new debt;<\\/li>\\r\\n<li>Stop comparing yourself with peers and colleagues, everyone has different affordability and budget so don\\u2019t compete;<\\/li>\\r\\n<li>Develop a culture of saving and try to save a little every month towards some goal;<\\/li>\\r\\n<li>Always live within your means and not your imagination.<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Didi Sebothoma: 064\\u00a0752 3910 <br \\/> Email: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 13:50:53\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 14:58:29\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-16 14:57:52\",\"publish_up\":\"2021-11-16 13:50:53\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"50\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1051,123,1,'','2021-11-16 15:20:07',915,2922,'dffc22a90640a415421a450cc9af325cfa7ce374','{\"id\":123,\"asset_id\":280,\"title\":\"The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor\",\"alias\":\"the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (\\u201cTribunal\\u201d) has found Mr. Clark Gardner (\\u201cMr. Gardner\\u201d), a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act 34 of 2005 (\\u201cthe Act\\u201d) and his conditions of registration as a debt counsellor.<\\/p>\\r\\n<p>This follows an investigation of complaints against Mr. Gardner by the National Credit Regulator (\\u201cNCR\\u201d) related to his activities as a debt counsellor. The Tribunal found Mr. Gardner guilty of contraventions related, amongst others, to \\u2013<\\/p>\\r\\n<ul>\\r\\n<li type=\\\"a\\\">failing to \\u2013\\r\\n<ul>\\r\\n<li>make determinations whether consumers are over-indebted;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 15:20:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 15:20:07\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-11-16 15:20:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1052,123,1,'','2021-11-16 15:24:16',915,3091,'c58664b1d05d0324e8ef72d01a0dea1beb53956d','{\"id\":123,\"asset_id\":\"280\",\"title\":\"The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor\",\"alias\":\"the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (\\u201cTribunal\\u201d) has found Mr. Clark Gardner (\\u201cMr. Gardner\\u201d), a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act 34 of 2005 (\\u201cthe Act\\u201d) and his conditions of registration as a debt counsellor.<\\/p>\\r\\n<p>This follows an investigation of complaints against Mr. Gardner by the National Credit Regulator (\\u201cNCR\\u201d) related to his activities as a debt counsellor. The Tribunal found Mr. Gardner guilty of contraventions related, amongst others, to \\u2013<\\/p>\\r\\n<ul>\\r\\n<li type=\\\"a\\\">failing to \\u2013\\r\\n<ul>\\r\\n<li>make determinations whether consumers are over-indebted;<\\/li>\\r\\n<li>inform consumers of the consequences of applying for debt review;<\\/li>\\r\\n<li>update the records of consumers relating to debt review;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 15:20:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 15:24:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-16 15:20:07\",\"publish_up\":\"2021-11-16 15:20:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"27\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1053,123,1,'','2021-11-16 15:25:23',915,3093,'6aad8d7db6103cb8964ee6eabb180f180a1de152','{\"id\":123,\"asset_id\":\"280\",\"title\":\"The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor\",\"alias\":\"the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (\\u201cTribunal\\u201d) has found Mr. Clark Gardner (\\u201cMr. Gardner\\u201d), a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act 34 of 2005 (\\u201cthe Act\\u201d) and his conditions of registration as a debt counsellor.<\\/p>\\r\\n<p>This follows an investigation of complaints against Mr. Gardner by the National Credit Regulator (\\u201cNCR\\u201d) related to his activities as a debt counsellor. The Tribunal found Mr. Gardner guilty of contraventions related, amongst others, to \\u2013<\\/p>\\r\\n<ul>\\r\\n<li type=\\\"(a)\\\">failing to \\u2013\\r\\n<ul>\\r\\n<li>make determinations whether consumers are over-indebted;<\\/li>\\r\\n<li>inform consumers of the consequences of applying for debt review;<\\/li>\\r\\n<li>update the records of consumers relating to debt review;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 15:20:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 15:25:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-16 15:24:16\",\"publish_up\":\"2021-11-16 15:20:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"32\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1054,123,1,'','2021-11-16 15:26:11',915,3124,'ddacc8a849714dc49c31bfd08b5690842c7306ed','{\"id\":123,\"asset_id\":\"280\",\"title\":\"The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor\",\"alias\":\"the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (\\u201cTribunal\\u201d) has found Mr. Clark Gardner (\\u201cMr. Gardner\\u201d), a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act 34 of 2005 (\\u201cthe Act\\u201d) and his conditions of registration as a debt counsellor.<\\/p>\\r\\n<p>This follows an investigation of complaints against Mr. Gardner by the National Credit Regulator (\\u201cNCR\\u201d) related to his activities as a debt counsellor. The Tribunal found Mr. Gardner guilty of contraventions related, amongst others, to \\u2013<\\/p>\\r\\n<ul>\\r\\n<li type=\\\"a\\\">failing to \\u2013\\r\\n<ul>\\r\\n<li type=\\\"i\\\">make determinations whether consumers are over-indebted;<\\/li>\\r\\n<li type=\\\"i\\\">inform consumers of the consequences of applying for debt review;<\\/li>\\r\\n<li type=\\\"i\\\">update the records of consumers relating to debt review;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 15:20:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 15:26:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-16 15:25:23\",\"publish_up\":\"2021-11-16 15:20:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"33\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1055,123,1,'','2021-11-16 15:27:17',915,3240,'5670ce2a0bbdaa24d5fbeb688cd4a278bfe03e22','{\"id\":123,\"asset_id\":\"280\",\"title\":\"The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor\",\"alias\":\"the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (\\u201cTribunal\\u201d) has found Mr. Clark Gardner (\\u201cMr. Gardner\\u201d), a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act 34 of 2005 (\\u201cthe Act\\u201d) and his conditions of registration as a debt counsellor.<\\/p>\\r\\n<p>This follows an investigation of complaints against Mr. Gardner by the National Credit Regulator (\\u201cNCR\\u201d) related to his activities as a debt counsellor. The Tribunal found Mr. Gardner guilty of contraventions related, amongst others, to \\u2013<\\/p>\\r\\n<ol>\\r\\n<li type=\\\"a\\\">failing to \\u2013\\r\\n<ul>\\r\\n<li type=\\\"i\\\">make determinations whether consumers are over-indebted;<\\/li>\\r\\n<li type=\\\"i\\\">inform consumers of the consequences of applying for debt review;<\\/li>\\r\\n<li type=\\\"i\\\">update the records of consumers relating to debt review;<\\/li>\\r\\n<li type=\\\"i\\\">notify credit providers and credit bureaus that consumers have applied for debt review; and<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 15:20:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 15:27:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-16 15:26:11\",\"publish_up\":\"2021-11-16 15:20:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"34\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1056,123,1,'','2021-11-16 15:28:51',915,3699,'dd47f7ed7e8021737ac65526d50224dcf6a2c517','{\"id\":123,\"asset_id\":\"280\",\"title\":\"The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor\",\"alias\":\"the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (\\u201cTribunal\\u201d) has found Mr. Clark Gardner (\\u201cMr. Gardner\\u201d), a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act 34 of 2005 (\\u201cthe Act\\u201d) and his conditions of registration as a debt counsellor.<\\/p>\\r\\n<p>This follows an investigation of complaints against Mr. Gardner by the National Credit Regulator (\\u201cNCR\\u201d) related to his activities as a debt counsellor. The Tribunal found Mr. Gardner guilty of contraventions related, amongst others, to \\u2013<\\/p>\\r\\n<ol>\\r\\n<li type=\\\"a\\\">failing to \\u2013\\r\\n<ul>\\r\\n<li type=\\\"i\\\">make determinations whether consumers are over-indebted;<\\/li>\\r\\n<li type=\\\"i\\\">inform consumers of the consequences of applying for debt review;<\\/li>\\r\\n<li type=\\\"i\\\">update the records of consumers relating to debt review;<\\/li>\\r\\n<li type=\\\"i\\\">notify credit providers and credit bureaus that consumers have applied for debt review; and<\\/li>\\r\\n<li type=\\\"i\\\">perform debt counselling functions personally.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li type=\\\"a\\\">over-charging of fees to consumers who applied for debt review; and receiving payments from consumers who applied for debt review at the commencement of the debt review process;<\\/li>\\r\\n<li type=\\\"a\\\">using misleading and deceptive advertisements offering debt repayment reductions of up to 50% and free debt counselling services when his services were not free.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 15:20:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 15:28:51\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-16 15:27:17\",\"publish_up\":\"2021-11-16 15:20:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"35\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1057,123,1,'','2021-11-16 15:30:31',915,5310,'62f88bd768382ded38d68bfb7f8368aab7f6dd68','{\"id\":123,\"asset_id\":\"280\",\"title\":\"The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor\",\"alias\":\"the-national-consumer-tribunal-finds-mr-clark-gardner-a-director-of-summit-financial-partners-pty-ltd-guilty-of-contravening-the-national-credit-act-and-his-conditions-of-registration-as-a-debt-counsellor\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The National Consumer Tribunal (\\u201cTribunal\\u201d) has found Mr. Clark Gardner (\\u201cMr. Gardner\\u201d), a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act 34 of 2005 (\\u201cthe Act\\u201d) and his conditions of registration as a debt counsellor.<\\/p>\\r\\n<p>This follows an investigation of complaints against Mr. Gardner by the National Credit Regulator (\\u201cNCR\\u201d) related to his activities as a debt counsellor. The Tribunal found Mr. Gardner guilty of contraventions related, amongst others, to \\u2013<\\/p>\\r\\n<ol>\\r\\n<li type=\\\"a\\\">failing to \\u2013\\r\\n<ul>\\r\\n<li type=\\\"i\\\">make determinations whether consumers are over-indebted;<\\/li>\\r\\n<li type=\\\"i\\\">inform consumers of the consequences of applying for debt review;<\\/li>\\r\\n<li type=\\\"i\\\">update the records of consumers relating to debt review;<\\/li>\\r\\n<li type=\\\"i\\\">notify credit providers and credit bureaus that consumers have applied for debt review; and<\\/li>\\r\\n<li type=\\\"i\\\">perform debt counselling functions personally.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li type=\\\"a\\\">over-charging of fees to consumers who applied for debt review; and receiving payments from consumers who applied for debt review at the commencement of the debt review process;<\\/li>\\r\\n<li type=\\\"a\\\">using misleading and deceptive advertisements offering debt repayment reductions of up to 50% and free debt counselling services when his services were not free.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Tribunal imposed an administrative fine of R500 000.00 on Mr. Gardner.<\\/p>\\r\\n<p>Furthermore, the Tribunal ordered Mr. Gardner to appoint an independent auditor to audit his consumer files dating back 3 years in order to identify, amongst others, consumers who were overcharged fees by him. The auditors\\u2019 report must be given to the NCR once completed, and Mr. Gardner will refund consumers identified by the auditors as having been overcharged.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Didi Sebothoma<br \\/> 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-16 15:20:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-16 15:30:31\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-16 15:28:51\",\"publish_up\":\"2021-11-16 15:20:07\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"36\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1060,124,1,'','2021-11-23 15:19:35',915,5199,'3d495178a7b5b19fc4fcc9874e2e50fea4621361','{\"id\":124,\"asset_id\":281,\"title\":\"Be smart, mind your money. know your rights  \",\"alias\":\"be-smart-mind-your-money-know-your-rights\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>), together with its agencies, National Credit Regulator (NCR), National Consumer Commission (NCC) and Proudly South African (PSA) will be hosting a joint webinar aimed at educating consumers about their rights and responsibilities whenever making purchases. The webinar comes at a time when consumers are facing considerable financial challenges due to the COVID-19 pandemic. The webinar will take place on Thursday, 25 November 2021 at 10:00am - 12:00 pm.<\\/p>\\r\\n<p>The Deputy Minister of <strong>the dtic<\\/strong>, Ms Nomalungelo Gina says that this webinar comes at a most critical period in the year when consumer are bombarded with offerings that purport to offer bargain purchases.<\\/p>\\r\\n<p>\\u201cIt is of the utmost importance that we alert consumer on the possible pitfalls they might find themselves in should they not make wise spending decisions. The key principle this season is to ensure that you make your limited funds go a long way and steer clear of offers that seem too good to be true. Because more often than not, they exactly are what your instincts says they are,\\u201d says Gina.<\\/p>\\r\\n<p>The CEO of the National Credit Regulator, Nomsa Motshegare advised consumers who will be taking part in this year\\u2019s Black Friday and festive season spending to draft a budget, know your limits and only spend what you can afford to pay back. She also reminded consumers that cash is king, especially for purchasing consumables such as food, clothing, airtime, data, entertainment etc. Remember, credit comes with interest and other fees such as monthly service fees, once off initiation fees, credit life insurance etc., therefore you will end up paying more at the end.<\\/p>\\r\\n<p>Eustace Mashimbye of Proudly South African said, \\u201cIt is important that we manage our finances according to our means. Spending wisely includes making sure that we select locally manufactured and produced goods and services which assist in economic growth and job creation. Buying \\u2018local\\u2019 increases the chances of companies employing more people and more jobs mean more money in the pockets of consumers\\u201d.<\\/p>\\r\\n<p>Acting National Consumer Commissioner, Ms Thezi Mabuza urges consumers to demand goods that are of good quality, in good order and are free of any defects. \\u201cThe goods must be usable and durable for a reasonable period of time. If you suspect that goods received or upon collection might have defects, do not take delivery. I want to remind consumers to also exercise caution when buying online as they might be transacting with scammers masquerading as legit businesses. Always try to use reputable suppliers where possible\\u201d, she said.<\\/p>\\r\\n<p>In conclusion, we encourage consumers to participate and acquire sound knowledge that will assist in managing their finances during Black Friday and festive season.\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Enquiries:<\\/strong><br \\/> Bongani Lukhele \\u2013 Director: Media Relations<br \\/> Tel: (012) 394 1643<br \\/> Mobile: 079 5083 457<br \\/> WhatsApp: 074 2998 512<br \\/> E-mail: BLukhele@thedtic.gov.za<br \\/> Issued by: The Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>)<br \\/> Follow us on Twitter: @the_dti<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-23 15:19:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-23 15:19:35\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-11-23 15:19:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1064,124,1,'','2021-11-24 16:38:43',915,5694,'589e67aad0fd16b750db878d92b3b51f1d5e0be5','{\"id\":124,\"asset_id\":\"281\",\"title\":\"Be smart, mind your money, know your rights webinar\",\"alias\":\"be-smart-mind-your-money-know-your-rights\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>), together with its agencies, National Credit Regulator (NCR), National Consumer Commission (NCC) and Proudly South African (PSA) will be hosting a joint webinar aimed at educating consumers about their rights and responsibilities whenever making purchases. The webinar comes at a time when consumers are facing considerable financial challenges due to the COVID-19 pandemic. The webinar will take place tomorrow, Thursday, 25 November 2021 from 10:00-12:00.<\\/p>\\r\\n<p>The Deputy Minister of Trade, Industry and Competition, Ms Nomalungelo Gina says that the webinar comes at a most critical period in the year when consumers are bombarded with offerings that purport to offer bargain deals.<\\/p>\\r\\n<p>\\u201cIt is of the utmost importance that we alert consumers on the possible pitfalls they might find themselves in should they not make wise spending decisions. The key principle this season is to ensure that you make your limited funds go a long way and steer clear of offers that seem too good to be true, because more often than not, they exactly are what your instincts say they are,\\u201d says Gina.<\\/p>\\r\\n<p>The CEO of the National Credit Regulator, Nomsa Motshegare advised consumers who will be taking part in this year\\u2019s Black Friday and festive season spending to draft a budget, know your limits and only spend what you can afford to pay back.<\\/p>\\r\\n<p>She also reminded consumers that cash is king, especially for purchasing consumables such as food, clothing, airtime, data and entertainment. Remember, credit comes with interest and other fees such as monthly service fees, once off initiation fees, credit life insurance. Therefore you will end up paying more at the end.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>The CEO of Proudly South African, Mr Eustace Mashimbye says: \\u201cIt is important that we manage our finances according to our means. Spending wisely includes making sure that we select locally manufactured and produced goods and services which assist in economic growth and job creation. Buying \\u2018local\\u2019 increases the chances of companies employing more people and more jobs mean more money in the pockets of consumers.\\u201d<\\/p>\\r\\n<p>The Acting Commissioner of the National Consumer Commission, Ms Thezi Mabuza urges consumers to demand goods that are of good quality, in good order and are free of any defects.<\\/p>\\r\\n<p>\\u201cThe goods must be usable and durable for a reasonable period of time. If you suspect that goods received or upon collection might have defects, do not take delivery. I want to remind consumers to also exercise caution when buying online as they might be transacting with scammers masquerading as legit businesses. Always try to use reputable suppliers where possible\\u201d, she adds.<\\/p>\\r\\n<p>All the stakeholders seek to encourage consumers to participate and acquire sound knowledge that will assist in managing their finances during Black Friday and festive season.<\\/p>\\r\\n<p>Invitation link: <a href=\\\"http:\\/\\/tc-mxscan-01.trevenna.net:32224\\/?dmVyPTEuMDAxJiYyMjE3ZjJmZWI1ZjFkZjZmZj02MTk2MTExNl8zMzYwNF8yMDA2XzEmJmEyNTU0Yzc1OWIwZDIwMD0xMjIyJiZ1cmw9aHR0cHMlM0ElMkYlMkZ6b29tJTJFdXMlMkZ3ZWJpbmFyJTJGcmVnaXN0ZXIlMkZXTiU1RjNCcDJGYTh5USU1RjJ6UWtHOUhPRlhXZw==\\\">https:\\/\\/zoom.us\\/webinar\\/register\\/WN_3Bp2Fa8yQ_2zQkG9HOFXWg<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Enquiries:<br \\/> Bongani Lukhele \\u2013 Director: Media Relations<br \\/> Tel: (012) 394 1643<br \\/> Mobile: 079 5083 457<br \\/> WhatsApp: 074 2998 512<br \\/> E-mail: <a href=\\\"mailto:BLukhele@thedtic.gov.za\\\"> BLukhele@thedtic.gov.za<\\/a><br \\/> Issued by: The Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>)<br \\/> Follow us on Twitter: @the_dti<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-23 15:19:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-24 16:38:43\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-24 16:38:15\",\"publish_up\":\"2021-11-23 15:19:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"322\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1065,124,1,'','2021-11-24 16:39:20',915,5694,'37aa6dd8929c7676941cdba56aea44544757afe5','{\"id\":124,\"asset_id\":\"281\",\"title\":\"Be smart, mind your money, know your rights webinar\",\"alias\":\"be-smart-mind-your-money-know-your-rights\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2021<\\/strong><\\/p>\\r\\n<p>The Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>), together with its agencies, National Credit Regulator (NCR), National Consumer Commission (NCC) and Proudly South African (PSA) will be hosting a joint webinar aimed at educating consumers about their rights and responsibilities whenever making purchases. The webinar comes at a time when consumers are facing considerable financial challenges due to the COVID-19 pandemic. The webinar will take place tomorrow, Thursday, 25 November 2021 from 10:00-12:00.<\\/p>\\r\\n<p>The Deputy Minister of Trade, Industry and Competition, Ms Nomalungelo Gina says that the webinar comes at a most critical period in the year when consumers are bombarded with offerings that purport to offer bargain deals.<\\/p>\\r\\n<p>\\u201cIt is of the utmost importance that we alert consumers on the possible pitfalls they might find themselves in should they not make wise spending decisions. The key principle this season is to ensure that you make your limited funds go a long way and steer clear of offers that seem too good to be true, because more often than not, they exactly are what your instincts say they are,\\u201d says Gina.<\\/p>\\r\\n<p>The CEO of the National Credit Regulator, Nomsa Motshegare advised consumers who will be taking part in this year\\u2019s Black Friday and festive season spending to draft a budget, know your limits and only spend what you can afford to pay back.<\\/p>\\r\\n<p>She also reminded consumers that cash is king, especially for purchasing consumables such as food, clothing, airtime, data and entertainment. Remember, credit comes with interest and other fees such as monthly service fees, once off initiation fees, credit life insurance. Therefore you will end up paying more at the end.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>The CEO of Proudly South African, Mr Eustace Mashimbye says: \\u201cIt is important that we manage our finances according to our means. Spending wisely includes making sure that we select locally manufactured and produced goods and services which assist in economic growth and job creation. Buying \\u2018local\\u2019 increases the chances of companies employing more people and more jobs mean more money in the pockets of consumers.\\u201d<\\/p>\\r\\n<p>The Acting Commissioner of the National Consumer Commission, Ms Thezi Mabuza urges consumers to demand goods that are of good quality, in good order and are free of any defects.<\\/p>\\r\\n<p>\\u201cThe goods must be usable and durable for a reasonable period of time. If you suspect that goods received or upon collection might have defects, do not take delivery. I want to remind consumers to also exercise caution when buying online as they might be transacting with scammers masquerading as legit businesses. Always try to use reputable suppliers where possible\\u201d, she adds.<\\/p>\\r\\n<p>All the stakeholders seek to encourage consumers to participate and acquire sound knowledge that will assist in managing their finances during Black Friday and festive season.<\\/p>\\r\\n<p>Invitation link: <a href=\\\"http:\\/\\/tc-mxscan-01.trevenna.net:32224\\/?dmVyPTEuMDAxJiYyMjE3ZjJmZWI1ZjFkZjZmZj02MTk2MTExNl8zMzYwNF8yMDA2XzEmJmEyNTU0Yzc1OWIwZDIwMD0xMjIyJiZ1cmw9aHR0cHMlM0ElMkYlMkZ6b29tJTJFdXMlMkZ3ZWJpbmFyJTJGcmVnaXN0ZXIlMkZXTiU1RjNCcDJGYTh5USU1RjJ6UWtHOUhPRlhXZw==\\\">https:\\/\\/zoom.us\\/webinar\\/register\\/WN_3Bp2Fa8yQ_2zQkG9HOFXWg<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Enquiries:<br \\/> Bongani Lukhele \\u2013 Director: Media Relations<br \\/> Tel: (012) 394 1643<br \\/> Mobile: 079 5083 457<br \\/> WhatsApp: 074 2998 512<br \\/> E-mail: <a href=\\\"mailto:BLukhele@thedtic.gov.za\\\"> BLukhele@thedtic.gov.za<\\/a><br \\/> Issued by: The Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>)<br \\/> Follow us on Twitter: @the_dti<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-11-24 15:19:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-11-24 16:39:20\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-11-24 16:38:43\",\"publish_up\":\"2021-11-24 15:19:35\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"323\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1079,125,1,'','2022-01-13 12:44:37',915,6319,'1dba6379c5dbeb1025e153096721a3a366969744','{\"id\":125,\"asset_id\":282,\"title\":\"Consumers are encouraged to borrow wisely and start saving\",\"alias\":\"consumers-are-encouraged-to-borrow-wisely-and-start-saving\",\"introtext\":\"<p align=\\\"right\\\"><strong>January 2022<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers who did not plan properly with nothing. Some of these consumers will be approaching credit providers in order to borrow money to get by for the month, says Ms. Anne-Carien Du Plooy, Acting Manager: Education and Communication at the NCR.<\\/p>\\r\\n<p>If you are going to get a loan this January to assist you to keep afloat until the next pay day, do so responsibly, says Du Plooy. Tips for responsible borrowing:<\\/p>\\r\\n<ul>\\r\\n<li>Prepare a budget to see how much you can afford in terms of repayments and to track all your monthly costs;<\\/li>\\r\\n<li>Remember the repo rate was increased in November 2021 increasing interest rates, take that into consideration when you apply for credit;<\\/li>\\r\\n<li>Only use credit providers registered with the National Credit Regulator;<\\/li>\\r\\n<li>Get a quotation and pre-agreement statement \\u2013 these outline the cost of credit and terms and conditions of the credit agreement you will be signing;<\\/li>\\r\\n<li>Understand the total cost of credit outlined in the quotation which includes interest, monthly service fees, one-off initiation fees, credit life insurance etc;<\\/li>\\r\\n<li>Do not take on additional credit just because they say you qualify for more;<\\/li>\\r\\n<li>Do not take out credit for other people as the risk of non-payment will fall on you;<\\/li>\\r\\n<li>Start saving now!<\\/li>\\r\\n<li>Avoid credit providers that say \\u201cBlacklisted consumers welcome, No credit checks etc\\u201d;<\\/li>\\r\\n<li>Avoid credit providers that require you to pay an upfront payment before they give you the loan;<\\/li>\\r\\n<li>Avoid credit providers that require you to leave your cards, ID and PINs with them;<\\/li>\\r\\n<li>Avoid credit providers that offer you a ridiculously low interest rate, if it too good to be true, it usually is.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Remember, if you take out a loan and do not repay it as agreed in the credit agreement, this will adversely affect your credit report. The devastating effects of such adverse listings on credit profiles are that they restrict your chances of qualifying for credit in the future and\\/or accessing certain jobs where a candidate is considered for employment in a position that requires honesty in dealing with cash or finances.<\\/p>\\r\\n<p>When applying for a loan, it is important for consumers to truthfully disclose all their expenses. This will enable credit providers to conduct an affordability assessment on the consumer\\u2019s ability to repay the loan. \\u201cIf you fail to truthfully disclose all expenses, you will lose the protection offered by the National Credit Act. In some situations, unscrupulous agents will encourage consumers not to truthfully disclose expenses in order to enhance their chance of qualifying for credit application,\\u201d cautions Ms. Du Plooy.<\\/p>\\r\\n<p>Consumers who require additional information on borrowing wisely or a list of registered credit providers can log on to <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> or contact our call centre on 0860 627\\u00a0627.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Or <br \\/>Didi Sebothoma<br \\/> 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-01-13 12:44:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-01-13 12:44:37\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2022-01-13 12:44:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1083,25,1,'','2022-01-28 13:24:46',915,27749,'42a428915fc0e59333446f8ac25e32cbf5e2c938','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-01-28 13:24:46\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-01-28 13:24:32\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":48,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"14091\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1089,25,1,'','2022-03-04 14:52:56',915,28012,'ddcdeb638057c8abd41079c705a8b203e27e8a92','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 02 of 2022-Revised DHS procedure.pdf\\\">Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-03-04 14:52:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-03-04 14:48:48\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":49,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"15795\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1090,29,1,'','2022-03-04 14:57:12',915,4628,'b1982b1718442449f911097e27538e616d9d7152','{\"id\":29,\"asset_id\":\"133\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/27 May 2021-Debt Withdrawal  review.pdf\\\">NCR debt review withdrawal guidelines 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines For Standard Court Order03.pdf\\\">Guidelines for standardised court orders and extension of prescribed working days in the dc regulations of 2012<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Annexure A- Standardized Court Order Template.pdf\\\">Annexure A- Standardized Court Order Template<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR Guidelines 1-2020 (justified).pdf\\\">Guidelines for change in circumstance (17.3)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-03-04 14:57:12\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-03-04 14:53:42\",\"publish_up\":\"2019-04-02 12:48:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"15719\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1091,25,1,'','2022-03-04 14:59:22',915,28164,'9b06d2136309f9f15fd89672ce158ba66fcd5406','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 02 of 2022-Revised DHS procedure.pdf\\\">Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J<\\/a><br \\/> <a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-03-04 14:59:22\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-03-04 14:58:14\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":51,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"15797\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1092,25,1,'','2022-03-04 15:03:59',915,28186,'bb1509b7d68beb5dd81b20fe9f41a0a8bdc2c5fd','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2022<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 02 of 2022-Revised DHS procedure.pdf\\\">Circular 02 of 2022 - Revised dhs procedure to update status codes A1, B, F1, F2, G, G1, I and J<\\/a><br \\/> <a href=\\\"documents\\/Explanatory Note to the Withdrawal Guidelines-01 of 2022.pdf\\\">Explanatory note to the withdrawal guidelines 1 of 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-03-04 15:03:59\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-03-04 15:03:48\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":53,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"15802\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1097,70,1,'','2022-03-15 14:24:19',915,21289,'5fead9178034ac3348bc5fd7745fdf6682da329f','{\"id\":70,\"asset_id\":\"200\",\"title\":\"Media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Consumer Rights 2022 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer rights in the digital world <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on borrow wisely - 2022 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers are encouraged to borrow wisely and start saving <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - SPEND WISELY WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be smart, mind your money, know your rights webinar <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Clarke Gardener.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release Black Friday FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Cards retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Press release October 2021 -.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Mortgages growth holds steady <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Looting destruction.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Looting mayhem has cost some consumers dearly<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Approved media release Debt counselling2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Mens vs Finances 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Men and finances<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release June 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension slows down<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release June 2021- Youth and CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The importance of knowing your credit status<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt Relief - June 2021 (003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/4. Credit Ombud and NCR MoU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2021_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let bad credit pollute your life<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Borrow Wisely Media Release FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Start the 2021 on a good note, spend wisely borrow wisely!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Spend wisely..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">2020 has been difficult for many, spend wisely for a better New Year<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Black Friday 2020..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid spending what you do not have on Black Friday!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release October 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Covid-19 impact on credit extension<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA ADVISORY-CONSUMER RIGHTS WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - CONSUMER RIGHTS WEBINAR-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt counselling provides hope for those in need.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling provides hope for those in need <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Options during COVID19.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Managing debt during COVID-19 times <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19- Credit Life Insurance..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers advised to use their credit life insurance for relief <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Fake CPs and Upfront Payment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be careful of \\\"fake\\\" credit provider scams during the covid-19 pandemic <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19 Media Release.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid panic buying as it may lead to over-indebtedness <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your Consumer Rights and be protected <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Shoprite 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Appeal court confirms Shoprite granted credit recklessly to consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Asia Lamara.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Asia Lamara\\u2019s registration as a debt counsellor cancelled <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Borrow Wisely - January 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit is expensive, be a smart consumer and borrow wisely! <\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Spend wisely - December 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely this festive season, January is a few weeks away! <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Black Friday - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to \\u201cBlacklisting\\u201d! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/CB Compliance Media Release - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Do not be duped to pay for free services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Release October 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Increase in credit extension <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Debt Counselling - August.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consider debt counselling to defeat debt<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release July 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.<\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Standard Bank common law set-off judgment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Card Retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator urges consumers to collect their cards and identity documents from credit providers <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/VW on the road fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Eastern cape raid - Feb 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> If you have to borrow, borrow wisely! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019 -<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a public warning against fake loan scams <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Spend Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Do not overdo it this festive season \\u2013 Spend Wisely!<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media release on decision of the SCA on MFSA application for special leave.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday - November1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t let Black Friday be the reason for your financial woes! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release - Debt Counselling.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release 17 october.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The National Credit Regulator issues a public warning about Charis Financial Services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Relese oct 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension seasonally surges <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Debt Counselling - SeptemberMedia Release (00000003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">If you can no longer afford to pay your debts, debt counselling could be of help<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media statement on Full Court judgment against MFSA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Full Bench of the North Gauteng High Court rules in favour of the dti and NCR in the MFSA review application on the interest rate on the short-term loan<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR -Lewis Stores_SCA Leave to Appeal.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Supreme Court of Appeal grants the National Credit Regulator leave to appeal the Lewis Stores judgment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">8 NCR issues warning against fake loan scams<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR CBM Press Release June 2018_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">J Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumer credit health improves.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer credit health improves <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumerrights.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Know your rights - Do not to pay any upfront fees when applying for loans <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Avoid over-indebtedness and borrow wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Novemeber 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday and Festive spending.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t shop till you drop on Black Friday - Spend Wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/media Release VWFS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a Compliance Notice to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers an on the road fee, admin fee and handling fee on credit agreements <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/SHOPRITE MEDIA RELEASE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Tribunal finds Shoprite guilty of reckless lending <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR  CBM Press Release March 2017_20170807.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Foschini.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Foschini Retail Group (Pty) Ltd to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Recession may affect consumers badly _ June 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Recession may affect consumers badly<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/NCR appeals NCT Judgment in favour of Lewis Stores.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> NCR appeals NCT Judgment in favour of Lewis Stores<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Mr Price media statement.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Mr Price Group Limited to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Medial Release on Allied Capital LM  15 May 2017.pdf\\\"> Tribunal declares Allied Capital (Pty) Ltd\\u2019s \\u201cpawn your car and still drive it\\u201d scheme unlawful and orders return of consumers\\u2019 cars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights.pdf\\\"> National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Theunissen release.pdf\\\">National Credit Regulator raids Nian Shun Trading in Theunissen<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA_RELEASE_unregistered_entities.pdf\\\"> The National Credit Regulator issues Compliance Notices to unregistered credit providers<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA RELEASE -Eagle Cahs Loans.pdf\\\">The National Consumer Tribunal cancels the registration of Eagle Cash Loans for contravention of National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\"> Final Credit Life Insurance Regulations<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media release on set-off.pdf\\\">The National Credit Regulator applies for a declaratory order in the North Gauteng High Court<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release - January 2017.pdf\\\">Borrow responsibly with the future in mind<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-08-06 08:17:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-03-15 14:24:19\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-03-15 14:19:50\",\"publish_up\":\"2019-08-06 08:17:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":63,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"11756\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1098,70,1,'','2022-03-15 14:25:02',915,21289,'938cefd3294da069115f927b8527e55d97ebb458','{\"id\":70,\"asset_id\":\"200\",\"title\":\"Media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Consumer Rights 2022 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer rights in the digital world <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on borrow wisely - 2022 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers are encouraged to borrow wisely and start saving <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - SPEND WISELY WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be smart, mind your money, know your rights webinar <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Clarke Gardener.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release Black Friday FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Cards retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Press release October 2021 -.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Mortgages growth holds steady <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Looting destruction.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Looting mayhem has cost some consumers dearly<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Approved media release Debt counselling2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Mens vs Finances 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Men and finances<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release June 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension slows down<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release June 2021- Youth and CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The importance of knowing your credit status<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt Relief - June 2021 (003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/4. Credit Ombud and NCR MoU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2021_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let bad credit pollute your life<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Borrow Wisely Media Release FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Start the 2021 on a good note, spend wisely borrow wisely!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Spend wisely..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">2020 has been difficult for many, spend wisely for a better New Year<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Black Friday 2020..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid spending what you do not have on Black Friday!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release October 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Covid-19 impact on credit extension<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA ADVISORY-CONSUMER RIGHTS WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - CONSUMER RIGHTS WEBINAR-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt counselling provides hope for those in need.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling provides hope for those in need <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Options during COVID19.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Managing debt during COVID-19 times <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19- Credit Life Insurance..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers advised to use their credit life insurance for relief <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Fake CPs and Upfront Payment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be careful of \\\"fake\\\" credit provider scams during the covid-19 pandemic <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19 Media Release.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid panic buying as it may lead to over-indebtedness <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your Consumer Rights and be protected <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Shoprite 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Appeal court confirms Shoprite granted credit recklessly to consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Asia Lamara.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Asia Lamara\\u2019s registration as a debt counsellor cancelled <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Borrow Wisely - January 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit is expensive, be a smart consumer and borrow wisely! <\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Spend wisely - December 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely this festive season, January is a few weeks away! <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Black Friday - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to \\u201cBlacklisting\\u201d! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/CB Compliance Media Release - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Do not be duped to pay for free services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Release October 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Increase in credit extension <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Debt Counselling - August.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consider debt counselling to defeat debt<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release July 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.<\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Standard Bank common law set-off judgment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Card Retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator urges consumers to collect their cards and identity documents from credit providers <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/VW on the road fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Eastern cape raid - Feb 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> If you have to borrow, borrow wisely! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019 -<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a public warning against fake loan scams <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Spend Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Do not overdo it this festive season \\u2013 Spend Wisely!<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media release on decision of the SCA on MFSA application for special leave.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday - November1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t let Black Friday be the reason for your financial woes! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release - Debt Counselling.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release 17 october.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The National Credit Regulator issues a public warning about Charis Financial Services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Relese oct 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension seasonally surges <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Debt Counselling - SeptemberMedia Release (00000003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">If you can no longer afford to pay your debts, debt counselling could be of help<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media statement on Full Court judgment against MFSA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Full Bench of the North Gauteng High Court rules in favour of the dti and NCR in the MFSA review application on the interest rate on the short-term loan<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR -Lewis Stores_SCA Leave to Appeal.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Supreme Court of Appeal grants the National Credit Regulator leave to appeal the Lewis Stores judgment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">8 NCR issues warning against fake loan scams<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR CBM Press Release June 2018_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">J Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumer credit health improves.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer credit health improves <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumerrights.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Know your rights - Do not to pay any upfront fees when applying for loans <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Avoid over-indebtedness and borrow wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Novemeber 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday and Festive spending.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t shop till you drop on Black Friday - Spend Wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/media Release VWFS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a Compliance Notice to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers an on the road fee, admin fee and handling fee on credit agreements <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/SHOPRITE MEDIA RELEASE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Tribunal finds Shoprite guilty of reckless lending <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR  CBM Press Release March 2017_20170807.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Foschini.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Foschini Retail Group (Pty) Ltd to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Recession may affect consumers badly _ June 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Recession may affect consumers badly<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/NCR appeals NCT Judgment in favour of Lewis Stores.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> NCR appeals NCT Judgment in favour of Lewis Stores<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Mr Price media statement.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Mr Price Group Limited to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Medial Release on Allied Capital LM  15 May 2017.pdf\\\"> Tribunal declares Allied Capital (Pty) Ltd\\u2019s \\u201cpawn your car and still drive it\\u201d scheme unlawful and orders return of consumers\\u2019 cars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights.pdf\\\"> National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Theunissen release.pdf\\\">National Credit Regulator raids Nian Shun Trading in Theunissen<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA_RELEASE_unregistered_entities.pdf\\\"> The National Credit Regulator issues Compliance Notices to unregistered credit providers<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA RELEASE -Eagle Cahs Loans.pdf\\\">The National Consumer Tribunal cancels the registration of Eagle Cash Loans for contravention of National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\"> Final Credit Life Insurance Regulations<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media release on set-off.pdf\\\">The National Credit Regulator applies for a declaratory order in the North Gauteng High Court<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release - January 2017.pdf\\\">Borrow responsibly with the future in mind<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-08-06 08:17:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-03-15 14:25:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-03-15 14:24:19\",\"publish_up\":\"2019-08-06 08:17:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":64,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"11757\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1099,126,1,'','2022-03-15 14:44:26',915,6486,'44d4b23c3463d69f899fb24ea661bef92d6b34b0','{\"id\":126,\"asset_id\":283,\"title\":\"Consumer rights in the digital world\",\"alias\":\"consumer-rights-in-the-digital-world\",\"introtext\":\"<p align=\\\"right\\\"><strong>March 2022<\\/strong><\\/p>\\r\\n<p>On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme. The NCR together with the Consumer Protection Forum will be using the \\u201cSustainable Consumer\\u201d theme. This theme will be aligned to the South African Government one in the context of better and safer online and digital interactions.<\\/p>\\r\\n<p>\\u201cWith digital technologies reshaping the financial landscape and making all financial transactions, including credit, convenient, simpler and more accessible to consumers, new threats to consumer credit rights in the digital and online space have emerged which can leave consumers vulnerable,\\u201d says Ms. Boitumelo Geldenhuis, Acting Manager: Education and Communication at the NCR.<\\/p>\\r\\n<p>The COVID-19 pandemic has definitely impacted on the finances of most consumers causing economic hardship and creating desperation, making them more susceptible to taking credit in one form or another. \\u201cIn celebrating WCRD this year, the NCR wants to ensure that all consumers performing credit transactions online do so in an informed and safe manner, protecting not only their rights and information, but also making these transactions smart and sustainable,\\u201d added Ms. Geldenhuis.<\\/p>\\r\\n<p>To ensure that your online and credit transactions are safe, smart and sustainable the NCR is urging consumers to follow the following:<\\/p>\\r\\n<ul>\\r\\n<li>Always verify if the credit provider is registered with the NCR by checking their NCRCP<\\/li>\\r\\nnumber against the one which appears on the NCR website (www.ncr.org.za ) to ensure that the registration number belongs to that credit provider. Alternatively, you can call the NCR on 0860 627 627 to verify for you;\\r\\n<li>Beware of fake credit providers when transacting online;<\\/li>\\r\\n<li>Know the full cost of credit you are being offered or applying for by requesting a preagreement<\\/li>\\r\\nstatement and quotation before committing or signing any credit agreement;\\r\\n<li>Beware of deceptive credit advertisements such as \\u201cno credit checks\\u201d, \\u201cblacklisted<\\/li>\\r\\nwelcome\\u201d, \\u201cfree credit\\u201d;\\r\\n<li>Beware of credit providers asking for \\u201cupfront fees\\u201d before they give you the actual loan.<\\/li>\\r\\nNever pay any upfront fees;\\r\\n<li>Pay careful attention to \\u201cTerms &amp; Conditions\\u201d \\u2013 click and read, do not accept without<\\/li>\\r\\nunderstanding;\\r\\n<li>When you apply for debt counselling, ensure that you understand what you are getting<\\/li>\\r\\nyourself into, before agreeing to anything;\\r\\n<li>Only use a registered debt counsellor that is situated close to where you work or live;<\\/li>\\r\\nand\\r\\n<li>Remember the golden rule \\u201cIf it seems too good to be true, it probably is!\\u201d<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u201cBeing a \\u201cSustainable Consumer\\u201d in the digital era means that you need to be informed of your rights and make smart choices with the information that you consume. Remember even when you transact online, you still have rights and responsibilities as per the National Credit Act. Also, take note that the NCR conducts educational workshops for consumers throughout the country, if you require one, you may contact the NCR on workshops@ncr.org.za\\u201d concludes Ms. Geldenhuis.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Or<br \\/> Didi Sebothoma<br \\/> 064 752 3910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a><br \\/> Website: <a href=\\\"https:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-03-15 14:44:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-03-15 14:44:26\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2022-03-15 14:44:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),