<p>Any person can lodge a complaint in which the consumer is a natural person and in certain instances, if the consumer is a juristic person (e.g. company, partnership) or a trust with the necessary authority. Complaints may include complaints against any institution offering credit, against a debt counsellor, a PDA or a credit bureau provided the NCR has jurisdiction. Only persons with a written consent may lodge a complaint on behalf of another person. Consumers are encouraged to first lodge a dispute with the relevant credit providers, debt counsellors or credit bureaus before referring the matter to the NCR. <!--Any ordinary consumer may lodge a complaint against any institution offering credit, against a debt counsellor and a credit bureau provided the NCR has jurisdiction. Only persons with a power of attorney may lodge complaints on behalf of another person. </p>
<p>Juristic (trust, companies etc) may lodge a complaint if the person making the complaint is authorised to do so and the annual turnover of the business or group of businesses is less than R1 000 000, or if the agreement in question is less than R 250 000.00 </p>
<p>Consumers are encouraged to first lodge a complaint with the respective credit providers, debt counsellors or credit bureau before escalating to the NCR--></p>