{"id":78,"asset_id":"216","title":"Education and Communication ","alias":"education-and-communication","introtext":"<h5>Mandate of the Education and Communication Department<\/h5>\r\n<p>Education and the provision of information play a very important role in raising awareness around the provisions of the National Credit Act and consumer rights. The National Credit Regulator (NCR) deploys a variety of different strategies to communicate to several different target audiences and a broader consumer base. Strategies include communication via the print media, broadcast media (radio, television), electronic media, outdoor media such as billboards, outside broadcasts, workshops, exhibitions, mall activations, the NCR\u2019s website and targeted awareness campaigns to mention a few.<\/p>\r\n<h5>Services offered<\/h5>\r\n<p>The Education &amp; Communication Department conducts both interactive and non-interactive activities. Interactive activities comprise of workshops, exhibitions, roadshows, outside broadcasts etc. whereas non-interactive comprise of media interviews. These are conducted with an aim of educating consumers on matters relating to the National Credit Act. The NCR\u2019s services for education purposes are free of charge for all consumers around the country.<\/p>\r\n<p>If you would like the NCR to conduct any educational activity for your community or organisation, contact us for additional information on Call centre \u2013 0860 627 627 or use the below contact details.<\/p>\r\n<h5>Requests for Educational Activities and Media Relations<\/h5>\r\n<p>Jimmy Golele: Senior Education &amp; Communication Officer \u2013 <a href=\"mailto:jgolele@ncr.org.za\">jgolele@ncr.org.za<\/a><br \/> Workshops \u2013 <a href=\"mailto:workshops@ncr.org.za\">workshops@ncr.org.za<\/a><br \/> Media \u2013 <a href=\"mailto:media@ncr.org.za\">media@ncr.org.za<\/a><br \/> Winnie Rabathata - <a href=\"mailto:wrabathata@ncr.org.za\">wrabathata@ncr.org.za<\/a><\/p>\r\n<h5>What is over-indebtedness?<\/h5>\r\n<p>A consumer is considered to be over-indebted if money available after payment of essential expenses is not enough to pay all other debts.<\/p>\r\n<h5>What are some of the indicators of over-indebtedness?<\/h5>\r\n<ul>\r\n<li>borrows money to pay other loans;<\/li>\r\n<li>skips payments on some accounts in order to pay others;<\/li>\r\n<li>receives letters of demand and\/or summonses from creditors;<\/li>\r\n<li>is thinking of being placed under debt administration or debt counselling;<\/li>\r\n<li>has judgments passed against him\/her;<\/li>\r\n<li>is always absent from work, especially towards month end;<\/li>\r\n<li>regularly feels emotionally stressed about money matters; and<\/li>\r\n<li>is regularly losing money to rip-offs and frauds.<\/li>\r\n<\/ul>\r\n<h5>What are the causes of over-indebtedness?<\/h5>\r\n<p>There are different reasons why people end up being over-indebted. Below is a list of some of the most common reasons:<\/p>\r\n<ul>\r\n<li>Indulgence \u2013 living in the first class lounge whilst you clearly cannot afford that lifestyle;<\/li>\r\n<li>Ignorance of financial products \u2013 An example would be having too many funeral policies that you clearly cannot afford. You need to see a financial advisor for assistance of choosing an insurance cover that is sufficient and affordable for you and your family.<\/li>\r\n<li>Lack of proper planning<\/li>\r\n<li>Social pressures \u2013 peer, family<\/li>\r\n<li>Change in circumstances \u2013 divorce, retrenchment, death, etc.<\/li>\r\n<li>Reckless lending<\/li>\r\n<li>Economic upswing \u2013 increasing interest rates<\/li>\r\n<\/ul>\r\n<h5>OVERCOMING OVER INDEBTEDNESS &amp; PERSONAL FINANCIAL MANAGEMENT<\/h5>\r\n<h5><em>TIP # 1 Don\u2019t ignore your debts<\/em><\/h5>\r\n<ul>\r\n<li>Know how much is coming in, and how much is going out;<\/li>\r\n<li>List all the people you owe, including friends, family, neighbours etc;<\/li>\r\n<li>Get a copy of your credit bureau record \u2013 free of charge;<\/li>\r\n<li>Keep in touch with your bank statement \u2013 track all the deductions;<\/li>\r\n<li>Get in touch with your creditors and explain your situation. Reduced payment is better than no payment;<\/li>\r\n<li>Don\u2019t be threatened or bullied into promising to pay what you don\u2019t have; and<\/li>\r\n<li>Review your budget regularly.<\/li>\r\n<\/ul>\r\n<h5><em>TIP # 2 Prioritise your debts<\/em><\/h5>\r\n<ul>\r\n<li>Pay your essential expenses first \u2013 electricity, rent, insurance;<\/li>\r\n<li>Then pay your day-to-day expenses like transport and food;<\/li>\r\n<li>Pay off debts with the highest interest rate first, and the rest in descending order;<\/li>\r\n<li>Seek expert advice before selling \/ cancelling anything;<\/li>\r\n<li>Don\u2019t cancel important insurance policies such as car, household etc.; rather shop around for cheaper premiums<\/li>\r\n<\/ul>\r\n<h5><em>TIP # 3 Don\u2019t borrow to pay off debts<\/em><\/h5>\r\n<ul>\r\n<li>Credit creates more debt, don\u2019t borrow more to pay existing debts;<\/li>\r\n<li>Don\u2019t buy food on credit;<\/li>\r\n<li>If you get retrenched, use the retrenchment package to pay off debt;<\/li>\r\n<li>Be very cautious when considering to take a consolidation loan<\/li>\r\n<\/ul>\r\n<h5><em>TIP # 4 Cut down on your expenses<\/em><\/h5>\r\n<ul>\r\n<li>Cut down on luxury items \u2013 entertainment; TV subscriptions, holidays etc;<\/li>\r\n<li>Make a list of \u201cwants\u201d and \u201cneeds\u201d and focus on needs;<\/li>\r\n<li>Surrender goods which you can no longer afford to pay, before they are repossessed;<\/li>\r\n<li>Consider early settlement so that you can save on interest and other cost; and<\/li>\r\n<li>Review your insurance policies from time to time \u2013 use an independent financial advisor.<\/li>\r\n<\/ul>\r\n<h5><em>TIP # 5 Don\u2019t wait until goods are repossessed<\/em><\/h5>\r\n<h5><em>TIP # 6 Start saving<\/em><\/h5>\r\n<ul>\r\n<li>Put aside some money for unforeseen circumstances;<\/li>\r\n<li>Be consistent, save every month \u2013 no matter how small the amount is.<\/li>\r\n<\/ul>\r\n<h5><em>TIP #7 See a Debt Counsellor for assistance (<a href=\"index.php?option=com_content&amp;view=article&amp;id=63&amp;catid=31\">click here for more information<\/a>)<\/em><\/h5>\r\n<h5>ABOUT CREDIT INFORMATION<\/h5>\r\n<p>Every person who has an account with a credit or service provider in the country or makes use of credit services will find their payment behaviour information recorded with a credit bureau irrespective of whether that person pays their account regularly or not. Credit bureaus hold both positive information, such as consumers paying their accounts on time, and negative information, for example when a consumer has fallen behind or defaulted on payments.<\/p>\r\n<p>The purpose of listing information collectively at the credit bureaus is to create a comprehensive view of the consumer for both prospective and existing credit and service providers, to assist them in evaluating new credit or account applications, and also to assist in the management of their relationships with their customers.<\/p>\r\n<h5>HOW TO ACCESS YOUR CREDIT REPORT<\/h5>\r\n<p>Consumers are entitled to one free credit report annually from each of the registered credit bureaus. Should a consumer require an additional copy of his or her credit report within the same year, there will be a fee that credit bureaus will charge.<\/p>\r\n<p>To get a copy of your credit report, contact any of the below credit bureaus. Remember, you are entitled to get one free credit report once a year.<\/p>\r\n<!--<table class=\"table table-bordered table-striped\" border=\"0\" cellpadding=\"10\">\r\n<tbody>\r\n<tr>\r\n<td>CompuScan<\/td>\r\n<td>0861 514 131<\/td>\r\n<td><a href=\"www.compuscan.co.za\">www.compuscan.co.za<\/a><\/td>\r\n<td><a href=\"info@compuscan.co.za\">info@compuscan.co.za<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>Experian<\/td>\r\n<td>0861 105 665<\/td>\r\n<td><a href=\"www.experian.co.za\">www.experian.co.za<\/a><\/td>\r\n<td><a href=\"mailto:consumer@creditexpert.co.za\">consumer@creditexpert.co.za <\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>TransUnion<\/td>\r\n<td>0861 886 466<\/td>\r\n<td><a href=\"www.transunion.co.za\">www.transunion.co.za<\/a><\/td>\r\n<td><a href=\"mailto:webadmin@transunion.co.za\">webadmin@transunion.co.za<\/a><\/td>\r\n<\/tr>\r\n<tr>\r\n<td>XDS<\/td>\r\n<td>0860 937 000<\/td>\r\n<td><a href=\"www.xds.co.za\">www.xds.co.za<\/a><\/td>\r\n<td><a href=\"mailto:info@xds.co.za\">info@xds.co.za<\/a><\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p><\/p>-->\r\n<table class=\"table table-bordered table-striped\" border=\"0\" cellspacing=\"5\" cellpadding=\"5\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p><strong>CompuScan\u00a0<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>0861514131<\/p>\r\n<\/td>\r\n<td>\r\n<p><a href=\"http:\/\/www.compuscan.co.za\/\">www.compuscan.co.za<\/a><\/p>\r\n<\/td>\r\n<td>\r\n<p><a href=\"mailto:info@compuscan.co.za\">info@compuscan.co.za<\/a><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><strong>Experian<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>0861105665\u00a0<\/p>\r\n<\/td>\r\n<td>\r\n<p><a href=\"http:\/\/www.experian.co.za\/\">www.experian.co.za<\/a><\/p>\r\n<\/td>\r\n<td>\r\n<p><a href=\"mailto:consumer@creditexpert.co.za\">consumer@creditexpert.co.za<\/a><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><strong>TransUnion\u00a0<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>0861886466<\/p>\r\n<\/td>\r\n<td>\r\n<p><a href=\"http:\/\/www.transunion.co.za\/\">www.transunion.co.za<\/a><\/p>\r\n<\/td>\r\n<td>\r\n<p><a href=\"mailto:webadmin@transunion.co.za\">webadmin@transunion.co.za<\/a><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><strong>XDS<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>0860937000<\/p>\r\n<\/td>\r\n<td>\r\n<p><a href=\"http:\/\/www.xds.co.za\/\">www.xds.co.za<\/a><\/p>\r\n<\/td>\r\n<td>\r\n<p><a href=\"mailto:info@xds.co.za\">info@xds.co.za<\/a><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><strong>Consumer Profile Bureau <\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>0105909505<\/p>\r\n<\/td>\r\n<td>\r\n<p><a href=\"http:\/\/www.consumerprofilebureau.com\">www.consumerprofilebureau.com<\/a><\/p>\r\n<\/td>\r\n<td>\r\n<p><a href=\"mailto:support@cpbonline.co.za\">support@cpbonline.co.za<\/a><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><strong>VeriCred Credit Bureau<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>0871503602<\/p>\r\n<\/td>\r\n<td>\r\n<p><a href=\"http:\/\/www.vccb.co.za\">www.vccb.co.za<\/a><\/p>\r\n<\/td>\r\n<td>\u00a0<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p><strong>Credit Ombud<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>0861 662837<\/p>\r\n<\/td>\r\n<td>\r\n<p><a href=\"http:\/\/www.creditombud.org.za\">www.creditombud.org.za<\/a><\/p>\r\n<\/td>\r\n<td>\r\n<p><a href=\"mailto:ombud@creditombud.org.za\">ombud@creditombud.org.za<\/a><\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<p>In terms of the National Credit Act, consumers have a right to access and challenge information on their credit records if they believe that it is not accurate.<\/p>\r\n<p>When challenging the credit bureau record, the consumer needs to contact the credit bureau that issued the credit report. The credit bureau has 20 business days to investigate the matter.<\/p>\r\n<p>If the consumer is not satisfied with the outcome from the credit bureau investigation or they do not have an answer after waiting for 20 business days for the bureau to assist them, they should escalate the matter to the Credit Ombud\u2019s office where they will receive assistance free of charge. However, consumers need to have a reference number from the credit bureau first.<\/p>\r\n<h5>HOW LONG DOES MY INFORMATION STAY AT THE CREDIT BUREAUS?<\/h5>\r\n<p>Below is a table on retention periods:<\/p>\r\n<table class=\"table table-bordered table-striped\" border=\"0\" cellspacing=\"0\" cellpadding=\"10\">\r\n<tbody>\r\n<tr>\r\n<td>\r\n<p>\u00a0<\/p>\r\n<\/td>\r\n<td>\r\n<p align=\"center\"><strong>Category<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p align=\"center\"><strong>Description<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p align=\"center\"><strong>Time kept<\/strong><\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p>1<\/p>\r\n<\/td>\r\n<td>\r\n<p><strong>Details and results of complaints lodged by consumers<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>Number and nature of complaints lodged and whether complaint was rejected. No information may be displayed on complaints that were upheld<\/p>\r\n<\/td>\r\n<td>\r\n<p>6 months<\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p>2<\/p>\r\n<\/td>\r\n<td>\r\n<p><strong>Enquiries<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>Number of enquiries made on a consumer\u2019s record, including the name of the entity \/ person who made the enquiry and a contact person if available<\/p>\r\n<\/td>\r\n<td>\r\n<p>1 year<\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p>3<\/p>\r\n<\/td>\r\n<td>\r\n<p><strong>Payment profile<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>Factual information pertaining to the payment profile of the consumer<\/p>\r\n<\/td>\r\n<td>\r\n<p>5 years<\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p>4<\/p>\r\n<\/td>\r\n<td>\r\n<p><strong>Adverse classifications of consumer behaviour<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>Subjective classifications of consumer behaviour\u00a0<\/p>\r\n<\/td>\r\n<td>\r\n<p>1 year or within the period prescribed in section 71A.<\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p>5<\/p>\r\n<\/td>\r\n<td>\r\n<p><strong>Adverse classifications of enforcement action<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>Classification related to enforcement action taken by the credit provider<\/p>\r\n<\/td>\r\n<td>\r\n<p>1 year or within the period prescribed in section 71A.<\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p>6<\/p>\r\n<\/td>\r\n<td>\r\n<p><strong>Debt restructuring <\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>As per section 86 of the Act,<br \/> an order given by the Court<br \/> or Tribunal<\/p>\r\n<\/td>\r\n<td>\r\n<p>Within the period prescribed in section 71(1) of the Act or until a clearance certificate is issued<\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p>7<\/p>\r\n<\/td>\r\n<td>\r\n<p><strong>Civil court Judgments<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>Civil court Judgments including default court judgment<\/p>\r\n<\/td>\r\n<td>\r\n<p>The earlier of 5 years or<br \/> until the judgment is<br \/> rescinded by a court or<br \/> abandoned by the credit<br \/> provider in terms of section<br \/> 86 of the Magistrates Courts<br \/> Act 32 of 1944 or within the<br \/> period prescribed in section<br \/> 71A of the Act<\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p>8<\/p>\r\n<\/td>\r\n<td>\r\n<p><strong>Maintenance judgments<\/strong><br \/> <strong>in terms of the Maintenance<\/strong><br \/> <strong>Act 99 of 1998<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>As per court judgment<\/p>\r\n<\/td>\r\n<td>\r\n<p>until the judgment is<br \/> rescinded by a court<\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p>8<\/p>\r\n<\/td>\r\n<td>\r\n<p><strong>Administration Orders<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>As per the court order<\/p>\r\n<\/td>\r\n<td>\r\n<p>5 years or until order is<br \/> rescinded by court<\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p>9<\/p>\r\n<\/td>\r\n<td>\r\n<p><strong>Sequestrations<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>As per the court order<\/p>\r\n<\/td>\r\n<td>\r\n<p>5years or until rehabilitation<br \/> order is granted<\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p>10<\/p>\r\n<\/td>\r\n<td>\r\n<p><strong>Liquidations<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>As per the court order<\/p>\r\n<\/td>\r\n<td>\r\n<p>Unlimited periods<\/p>\r\n<\/td>\r\n<\/tr>\r\n<tr>\r\n<td>\r\n<p>11<\/p>\r\n<\/td>\r\n<td>\r\n<p><strong>Rehabilitation<\/strong><\/p>\r\n<\/td>\r\n<td>\r\n<p>As per the court order<\/p>\r\n<\/td>\r\n<td>\r\n<p>5 years<\/p>\r\n<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<h5><br \/>THE RIGHT TO APPLY FOR CREDIT<\/h5>\r\n<p>Every person has the right to apply for credit from any credit provider. However, it does not prevent the credit provider from turning down your application. When your application is turned down you have the right to be provided with reasons.<\/p>\r\n<h5>THE RIGHT TO DISCLOSURE<\/h5>\r\n<p>A credit provider must provide you with a pre-agreement statement and quotation before you can sign the credit agreement. This must disclose the amount borrowed, deposit to be paid (if any), number of installments, interest payable, any additional charges, credit life insurance, date of first installment and the date of last payment. Always make sure that you get a pre-agreement statement and quotation before signing.<\/p>\r\n<h5>RIGHT TO INFORMATION IN OFFICIAL LANGUAGE<\/h5>\r\n<p>You have the right to receive any document that is required in terms of the NCA in an official language that you read or understand.<\/p>\r\n<h5>THE RIGHT TO BE GIVEN DOCUMENTS IN PLAIN AND UNDERSTANDABLE LANGUAGE<\/h5>\r\n<p>You have the right to receive information and documents in plain language. This means that the contents, meaning and importance of the document must be easy to understand. <strong> Ask if you do not understand. Do not sign unless you understand the terms and conditions of the agreement<\/strong>.<\/p>\r\n<h5>THE RIGHT TO CONFIDENTIAL TREATMENT<\/h5>\r\n<p>You have a right to have information held about you treated confidentially. This means the credit provider may only use information for the purpose for which it was given.<\/p>\r\n<h5>THE RIGHT TO ACCESS AND CHALLENGE INFORMATION HELD BY A CREDIT BUREAU<\/h5>\r\n<p>You have the right:<\/p>\r\n<ol>\r\n<li>To be informed that the credit provider intends to report negative information about you to a credit bureau before the credit provider actually reports you.<\/li>\r\n<li>To receive a copy of your credit record from a credit bureaux when you request it. You can get one free record per year, but the credit bureaux may charge you a fee\u00a0 of R20 excluding Vat for any further records;<\/li>\r\n<li>To challenge information kept by credit bureau if you are unhappy with the information;<\/li>\r\n<li>For your information to be kept confidential, and for your information to be used only for purposes allowed by the National Credit Act.<\/li>\r\n<\/ol>\r\n<h5>THE RIGHT TO GET ASSISSTANCE WHEN YOU ARE OVER-INDEBTED<\/h5>\r\n<p>If you experience problems with servicing your debts take the following steps:<\/p>\r\n<ol>\r\n<li>Contact your credit provider to discuss your situation and negotiate an affordable repayment plan;<\/li>\r\n<li>If you cannot reach an agreement with your credit provider, you may contact a debt counsellor in your area;<\/li>\r\n<\/ol>\r\n<p>Note that when you are under debt counselling you will not be able to get further credit until you have settled all your debts.<\/p>\r\n<p><a href=\"index.php?option=com_content&amp;view=article&amp;id=37&amp;catid=15\">Click here to view consumer Tips<\/a><\/p>\r\n<p><a href=\"index.php?option=com_content&amp;view=article&amp;id=71&amp;catid=20\">Click here for Campaigns<\/a><\/p>\r\n<p><a href=\"index.php?option=com_content&amp;view=article&amp;id=33&amp;catid=20\">Click here for Brochures<\/a><\/p>","fulltext":"","state":1,"catid":"15","created":"2020-07-14 15:37:40","created_by":"915","created_by_alias":"","modified":"2021-01-27 12:27:12","modified_by":"915","checked_out":"915","checked_out_time":"2021-01-27 12:25:18","publish_up":"2020-07-14 15:37:40","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":38,"ordering":"0","metakey":"","metadesc":"","access":"1","hits":"137","metadata":"{\"robots\":\"\",\"author\":\"\",\"rights\":\"\",\"xreference\":\"\"}","featured":"0","language":"*","xreference":""}