(620,45,1,'','2020-10-01 15:14:36',915,7390,'9457305c05c7d6ef83dca3d8ef72732988fb48c9','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:14:36\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:12:24\",\"publish_up\":\"2019-04-11 13:19:26\",\"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\":18,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"53\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(621,45,1,'','2020-10-01 15:19:35',915,8482,'0deccef22755fed46298431f4adf987780aff773','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:19:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:14:36\",\"publish_up\":\"2019-04-11 13:19:26\",\"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\":19,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"54\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(622,45,1,'','2020-10-01 15:26:03',915,9566,'a2eeccf2d177f139528ef922ff6aff824feeb5db','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<li>IT and Data Requirements:\\r\\n<ul>\\r\\n<li>Business continuity management plan;<\\/li>\\r\\n<li>Disaster recovery plan;<\\/li>\\r\\n<li>Information security policy;<\\/li>\\r\\n<li>Process map indicating the flow of information;<\\/li>\\r\\n<li>Detailed overview of the IT infrastructure, systems and IT resources;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A detailed overview of the company\\u2019s client base.<\\/li>\\r\\n<li>Undertaking by Directors and Officers of Reseller Credit Bureau <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Reseller Undertaking - Annexure B.DOCX\\\">see Annexure B<\\/a><\\/li>\\r\\n<li>IT Auditors\\u2019 Review. The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\">See attached terms of reference for performing the due diligence review)<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:26:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:19:35\",\"publish_up\":\"2019-04-11 13:19:26\",\"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\":20,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"55\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(623,101,1,'','2020-10-01 15:28:19',915,1806,'02a53f03717c144b9dbdc58c822c3c9d9347cf6e','{\"id\":101,\"asset_id\":241,\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2020-10-01 15:28:19\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:28:19\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-01 15:28:19\",\"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),(624,101,1,'','2020-10-01 15:29:06',915,2894,'68f9d938b2cb07616d7434b64fb5711fd698cdd2','{\"id\":101,\"asset_id\":\"241\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-rcb\",\"introtext\":\"<p>In terms of Section 58, a registrant may cancel its registration by giving the National Credit Regulator written notice in the prescribed manner and form-<\\/p>\\r\\n<p>(a) stating the registrant\\u2019s intention to voluntarily cancel the registration; and<\\/p>\\r\\n<p>(b) specifying a date, at least five business days after the date of the notice, on which the cancellation is to take effect.<\\/p>\\r\\n<p><strong><u>Additional Requirements for voluntary cancellation of registration<\\/u><\\/strong><\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Form 10 editable.pdf\\\">Complete form 10. <\\/a><\\/li>\\r\\n<li>An affidavit stating \\u2013\\r\\n<ul>\\r\\n<li>The registrant\\u2019s intention to voluntarily cancel his or her registrations;<\\/li>\\r\\n<li>Reasons for such cancellation; and<\\/li>\\r\\n<li>The date on which the cancellation shall take effect;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Attach to the said notice the original registration certificate decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2020-10-01 15:28:19\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:29:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:28:50\",\"publish_up\":\"2020-10-01 15:28:19\",\"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\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(625,52,1,'','2020-10-01 15:34:51',915,2509,'29a2601a427c3e823234244a393088cace16f477','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/form 5.pdf\\\">Application for Registration as a Credit Bureau reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Additional Branch Form.doc\\\"> Application for adding a branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\"> Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Registrant Info Update Form CB.doc\\\">Registrant information update form <\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:34:51\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:31:20\",\"publish_up\":\"2019-04-17 13:17:27\",\"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\":10,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"34\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(626,52,1,'','2020-10-01 15:35:40',915,2486,'74666fe56224f88b79d39efff076e7fb547b7853','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/form 5.pdf\\\">Application for Registration as a Credit Bureau reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Additional Branch Form.doc\\\"> Application for adding a branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\"> Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Registrant Info Update Form CB.doc\\\">Registrant information update form <\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:35:40\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:34:51\",\"publish_up\":\"2019-04-17 13:17:27\",\"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\":11,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"37\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(627,52,1,'','2020-10-01 15:36:33',915,2493,'4f9869833b889ccffa88dcf31d66145ef4ed6e32','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/form 5.pdf\\\">Application for Registration as a Credit Bureau reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Additional Branch Form.doc\\\"> Application for adding a branch <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\"> Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Registrant Info Update Form CB.doc\\\">Registrant information update form <\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:36:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:35:40\",\"publish_up\":\"2019-04-17 13:17:27\",\"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\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"40\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(628,45,1,'','2020-10-01 15:38:16',915,9566,'fbaf0f109906e2a4f5a0bfa3041bbbcf68831f62','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>\\u00a0\\u00a0\\u00a0 Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<li>IT and Data Requirements:\\r\\n<ul>\\r\\n<li>Business continuity management plan;<\\/li>\\r\\n<li>Disaster recovery plan;<\\/li>\\r\\n<li>Information security policy;<\\/li>\\r\\n<li>Process map indicating the flow of information;<\\/li>\\r\\n<li>Detailed overview of the IT infrastructure, systems and IT resources;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A detailed overview of the company\\u2019s client base.<\\/li>\\r\\n<li>Undertaking by Directors and Officers of Reseller Credit Bureau <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Reseller Undertaking - Annexure B.DOCX\\\">see Annexure B<\\/a><\\/li>\\r\\n<li>IT Auditors\\u2019 Review. The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\">See attached terms of reference for performing the due diligence review)<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-01 15:38:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-01 15:38:02\",\"publish_up\":\"2019-04-11 13:19:26\",\"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\":23,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"56\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(629,45,1,'','2020-10-02 07:50:10',915,9523,'4a5bc46a7398f2a534ea2b27acde4dfc35d58298','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/><br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<li>IT and Data Requirements:\\r\\n<ul>\\r\\n<li>Business continuity management plan;<\\/li>\\r\\n<li>Disaster recovery plan;<\\/li>\\r\\n<li>Information security policy;<\\/li>\\r\\n<li>Process map indicating the flow of information;<\\/li>\\r\\n<li>Detailed overview of the IT infrastructure, systems and IT resources;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A detailed overview of the company\\u2019s client base.<\\/li>\\r\\n<li>Undertaking by Directors and Officers of Reseller Credit Bureau <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Reseller Undertaking - Annexure B.DOCX\\\">see Annexure B<\\/a><\\/li>\\r\\n<li>IT Auditors\\u2019 Review. The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\">See attached terms of reference for performing the due diligence review)<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 07:50:10\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 07:48:47\",\"publish_up\":\"2019-04-11 13:19:26\",\"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\":24,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"61\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(630,45,1,'','2020-10-02 07:51:09',915,9707,'7351f6b3e5324a4877c4657582ecaefca2487274','{\"id\":45,\"asset_id\":\"158\",\"title\":\"Registration as a Reseller Credit Bureau\",\"alias\":\"registration-as-a-reseller-credit-bureau\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/7.%20Registration%20(section%2067%20-%2073).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Reg.regs.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ul>\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of\\u00a0 consumers or credit providers are treated equitably and consistently in a timely,\\u00a0 efficient and courteous manner, or presents to the NCR a credible plan to acquire or\\u00a0 develop those procedures and,<\\/li>\\r\\n<li>Is registered with the South African Revenue Services.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is \\u2013\\r\\n<ul>\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Reseller Credit Bureau in terms of Section 43 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 5).<\\/li>\\r\\n<li>Business plan including details of the organization\\u2019s business model, and projected income for the first year of operation as a reseller credit bureau.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document or other legal registration document.<\\/li>\\r\\n<li>Copy of the organization\\u2019s share certificate.<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors or trustees\\/shareholders.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Resolution- Reseller CB.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors or trustees issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/List of service providers for criminal clearance certificate..xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link).<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities;<\\/li>\\r\\n<li>Initial registration fee as indicated in the table below.<br \\/><br \\/>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p><strong>Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"199\\\">\\r\\n<p>Reseller Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11,000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/li>\\r\\n<li>High level Organogram of the Organisation, including CEO and the 1st level of senior Management;<\\/li>\\r\\n<li>Information of the CEO and 1st level of senior Management:\\r\\n<ul>\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Shareholding information of the organization (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>List of key contractors\\/outsourced service providers of the organization and the services that they provide;<\\/li>\\r\\n<li>Copies of the service level agreement (SLA) with the key contractors\\/outsourced service providers.<\\/li>\\r\\n<li>Copies of the HR policies and procedures\\r\\n<ul>\\r\\n<li>code of conduct and disciplinary code;<\\/li>\\r\\n<li>performance management.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the latest audited financial statements, and if not available, copy of the latest management accounts<\\/li>\\r\\n<li>Information on current litigation against the organization, if any.<\\/li>\\r\\n<li>Policies and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Policies and procedures in place for ensuring that all clients access the records of the credit bureau for a prescribed purpose (regulations 18(4) and 23 (A)).<\\/li>\\r\\n<li>IT and Data Requirements:\\r\\n<ul>\\r\\n<li>Business continuity management plan;<\\/li>\\r\\n<li>Disaster recovery plan;<\\/li>\\r\\n<li>Information security policy;<\\/li>\\r\\n<li>Process map indicating the flow of information;<\\/li>\\r\\n<li>Detailed overview of the IT infrastructure, systems and IT resources;<\\/li>\\r\\n<li>An overview of the company\\u2019s strategy and processes around data, including data sources, loading and storage of data, processes with data suppliers and data sources.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A detailed overview of the company\\u2019s client base.<\\/li>\\r\\n<li>Undertaking by Directors and Officers of Reseller Credit Bureau <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Reseller Undertaking - Annexure B.DOCX\\\">see Annexure B<\\/a><\\/li>\\r\\n<li>IT Auditors\\u2019 Review. The applicant must appoint an independent auditor to conduct a due diligence review and report to the NCR on whether or not the applicant meets the above summarized minimum criteria. <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\">See attached terms of reference for performing the due diligence review)<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-11 13:19:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 07:51:09\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 07:50:10\",\"publish_up\":\"2019-04-11 13:19:26\",\"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\":25,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"62\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(631,10,5,'','2020-10-02 08:19:27',915,606,'2b9271d3d9dbe14b6abac0c8219547ef3b56447f','{\"id\":10,\"asset_id\":\"89\",\"parent_id\":\"1\",\"lft\":\"15\",\"rgt\":\"16\",\"level\":\"1\",\"path\":\"compliance\",\"extension\":\"com_content\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 08:19:19\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-14 15:14:31\",\"modified_user_id\":\"915\",\"modified_time\":\"2020-10-02 08:19:27\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(632,39,5,'','2020-10-02 08:20:03',915,587,'8adee5bf7db099a5400afa296859b7b7505ae717','{\"id\":39,\"asset_id\":242,\"parent_id\":\"1\",\"lft\":\"73\",\"rgt\":74,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Credit Bureau Compliance\",\"alias\":\"credit-bureau-compliance\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2020-10-02 08:20:03\",\"modified_user_id\":null,\"modified_time\":\"2020-10-02 08:20:03\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(633,62,1,'','2020-10-02 08:20:17',915,3793,'9accc69620a8ca4af3184822f561dbbbca9aa93b','{\"id\":62,\"asset_id\":\"185\",\"title\":\"Credit Bureau Compliance\",\"alias\":\"compliance-credit-bureau\",\"introtext\":\"<h5>Mandate of the Credit Bureau Compliance<\\/h5>\\r\\n<p>Credit Information Department , regulates \\u00a0the operations of credit bureaus to ensure that they comply with the provisions of the National Credit Act, 2005 and the Regulations thereto (\\u201cNCA\\u201d).<\\/p>\\r\\n<p>In addition thereto the Department is responsible in ensuring that all credit bureaus adhere to credit reporting standards as prescribed by the National Credit Act and the Regulations in order to ensure that there is quality and \\u00a0accurate consumer credit information. Consumer credit Information plays a fundamental basis in respect of credit granting and it is outmost important that the information has to be accurate and up to date. The Department ensures that all credit bureaus adhere to maximum retention period of consumer credit information such as paid up judgments and adverse information and protection and confidentiality of the information.<\\/p>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/NCR FORM 43.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Compliance Report<\\/a><br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Auditors_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Form 43 for Auditors<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Guidance_Explanatory_Notes_Form_43_for_Credit_Bureaus_V.1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Guidance Explanatory Notes Form 43 for Credit Bureaus<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/compliance_reports_cb\\/Quarterly Synoptic Report ver 1.4 - 24102007.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Quarterly Synoptic Reports<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"39\",\"created\":\"2019-06-05 12:56:07\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 08:20:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 08:20:07\",\"publish_up\":\"2019-06-05 12:56:07\",\"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\":8,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"74\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(634,7,1,'','2020-10-02 08:33:57',915,5923,'32a32a9b1ccfc8482709d6eaffcbf7eb6257ad2a','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<h5>Mandate of the Credit Provider Compliance Department<\\/h5>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Website additions Market Conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Prescribed Statutory Reporting (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 08:33:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 08:22:07\",\"publish_up\":\"2019-03-14 15:14:48\",\"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\":15,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"139\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(635,7,1,'','2020-10-02 08:42:14',915,6063,'19054b1fe0be370070754abf48c52723f076204f','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<h5>Mandate of the Credit Provider Compliance Department<\\/h5>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Website additions Market Conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Prescribed Statutory Reporting (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a>\\r\\n<ul>\\r\\n<li><a href=\\\"#\\\">Language Policy<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a>\\r\\n<ul>\\r\\n<li><a href=\\\"#\\\">Language Policy<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 08:42:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 08:33:57\",\"publish_up\":\"2019-03-14 15:14:48\",\"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\":16,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"140\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(636,49,1,'','2020-10-02 11:04:31',915,2923,'2a87fd2db21339b88afeb14ac016992612bf03b8','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Registrant Info Update Form CP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Additional Branch Form.doc\\\"> Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:04:31\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:01:58\",\"publish_up\":\"2019-04-17 12:38:21\",\"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\":13,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"75\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(637,49,1,'','2020-10-02 11:06:42',915,2923,'d92b178b07bdadee75ff2865f155f6952b8c4d52','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Registrant Info Update Form CP.doc\\\"> Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:06:42\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:04:31\",\"publish_up\":\"2019-04-17 12:38:21\",\"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\":14,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"76\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(638,49,1,'','2020-10-02 11:07:43',915,2919,'64a5080f0e264462efdcccbc585721eb778e1a3e','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Registrant Info Update Form CP.doc\\\"> Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:07:43\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:06:42\",\"publish_up\":\"2019-04-17 12:38:21\",\"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\":15,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"78\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(639,50,1,'','2020-10-02 11:20:01',915,2760,'2048be789a16f987d042e41370ca7a9f86a560f6','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/form 4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Debt Counselor<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch <\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Annexure_Confirmation_of_payment_of_fees_DC.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/REGISTRANT INFORMATION UPDATE FORM DC (2).docx\\\">Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:20:01\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:17:32\",\"publish_up\":\"2019-04-17 12:44:45\",\"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\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"45\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(640,54,1,'','2020-10-02 11:26:05',915,2712,'c84f101fb71ca19333f404c7bf24db14d1545645','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Registrant Info Update Form CB.doc\\\"> Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:26:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:24:11\",\"publish_up\":\"2019-04-17 13:35:37\",\"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\":10,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"39\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(641,54,1,'','2020-10-02 11:27:16',915,2722,'793ba6077ef859d57f854ee1d03deec1015f9fb0','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Registrant Info Update Form CB.doc\\\"> Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:27:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:26:05\",\"publish_up\":\"2019-04-17 13:35:37\",\"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\":11,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"40\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(642,25,5,'','2020-10-02 11:30:14',915,610,'ed6d3ddbbc7851307e46313f8558d359ab5089ad','{\"id\":25,\"asset_id\":\"149\",\"parent_id\":\"13\",\"lft\":\"24\",\"rgt\":\"25\",\"level\":\"2\",\"path\":\"registrations\\/pda\",\"extension\":\"com_content\",\"title\":\"Payment Distribution Agents\",\"alias\":\"pda\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:30:09\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 10:01:22\",\"modified_user_id\":\"915\",\"modified_time\":\"2020-10-02 11:30:14\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',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 (643,53,1,'','2020-10-02 11:33:03',915,3112,'f39047c4332d2bc56e30a3b7789bb455ddfb9ce6','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Annexure Confirmation of payment of fees - PDA.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Annexure confirmation of payment of fees \\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for an additional branch \\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Registrant Info Update Form PDA.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Information update form \\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/143 AD NCR RESOLUTION DOCUMENT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR resolution document\\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"PDA Application Form 46\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/NCR_PDA Application Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PDA Application Form 46<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:33:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:30:29\",\"publish_up\":\"2019-04-17 13:28:48\",\"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\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"33\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(644,24,5,'','2020-10-02 11:38:47',915,620,'d0f95945012212f9de6c9b6ade52721ff2cab289','{\"id\":24,\"asset_id\":\"147\",\"parent_id\":\"13\",\"lft\":\"22\",\"rgt\":\"23\",\"level\":\"2\",\"path\":\"registrations\\/adr\",\"extension\":\"com_content\",\"title\":\"Alternative Dispute Resolution Agents\",\"alias\":\"adr\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:38:38\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-11 09:43:48\",\"modified_user_id\":\"915\",\"modified_time\":\"2020-10-02 11:38:47\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(645,40,1,'','2020-10-02 11:39:36',915,9765,'d2f186b7d0681d6773278cf793c87857768fe6a6','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an alternative Dispute Resolution Agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of at least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0\\r\\n<ul>\\r\\n<li>A 3 (three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ul>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit<\\/strong><strong>Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Resolution - ADR.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached).<\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked\\u00a0 \\u201c<strong>A<\\/strong>\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:39:36\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:39:14\",\"publish_up\":\"2019-04-11 09:44:57\",\"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\":11,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"61\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(646,40,1,'','2020-10-02 11:39:47',915,9765,'4014c1d5f47b072ce09b6950d88753959b66411f','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an Alternative Dispute Resolution Agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of at least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0\\r\\n<ul>\\r\\n<li>A 3 (three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ul>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit<\\/strong><strong>Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Resolution - ADR.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached).<\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked\\u00a0 \\u201c<strong>A<\\/strong>\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email registrations@ncr.org.za<\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:39:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:39:41\",\"publish_up\":\"2019-04-11 09:44:57\",\"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\":\"61\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(647,51,1,'','2020-10-02 11:45:54',915,2630,'c32ec9087e09970fa5ab8521326ea715a90ccc52','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adrAdditional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Annexure Confirmation of payment of fees - ADRA.docx\\\">Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Registrant Info Update Form ADR.doc\\\">Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:45:54\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:42:17\",\"publish_up\":\"2019-04-17 13:12:24\",\"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\":10,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"55\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(648,51,1,'','2020-10-02 11:46:41',915,2632,'7d6d84c925680ce4a81f895c041605f33d5fe7ec','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Annexure Confirmation of payment of fees - ADRA.docx\\\">Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Registrant Info Update Form ADR.doc\\\">Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 10 editable.pdf\\\">Notice to cancel registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-02 11:46:41\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-02 11:45:54\",\"publish_up\":\"2019-04-17 13:12:24\",\"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\":11,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"56\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(649,7,1,'','2020-10-05 08:38:19',915,5981,'944170210667d73bcab15a4cdbfbd5f85a297469','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<h5>Mandate of the Credit Provider Compliance Department<\\/h5>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Website additions Market Conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Prescribed Statutory Reporting (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Language Policy Review\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-05 08:38:19\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-05 08:35:40\",\"publish_up\":\"2019-03-14 15:14:48\",\"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\":17,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"146\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(650,7,1,'','2020-10-06 09:06:41',915,5998,'a880ce7accf9b5680852ac8124a55ecdd630bcc7','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<h5>Mandate of the Credit Provider Compliance Department<\\/h5>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Website additions Market Conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Prescribed Statutory Reporting (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Language Policy Review\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/1st year review language policy.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-06 09:06:41\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-06 09:05:13\",\"publish_up\":\"2019-03-14 15:14:48\",\"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\":18,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"149\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(656,102,1,'','2020-10-09 07:56:04',915,4661,'73ef9e62871f77ab5108ae5a90e79684ee374b31','{\"id\":102,\"asset_id\":244,\"title\":\"Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue\",\"alias\":\"media-release-consumer-rights-webinar-consumer-protection-matters-to-come-under-spotlight-during-the-dtic-dialogue\",\"introtext\":\"<p align=\\\"right\\\"><strong>Date: 13 September 2020 <\\/strong><\\/p>\\r\\n<p><strong>Consumer protection matters to come under spotlight during the dtic dialogue<\\/strong><\\/p>\\r\\n<p>Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>) in conjunction with its agencies, the Competition Commission (CompCom), the National Consumer Commission (NCC) and the National Credit Regulator (NCR). The Webinar will take place on Thursday, 17 September 2020 at 14:00.<\\/p>\\r\\n<p>According to the Deputy Minister of Trade, Industry and Competition, Ms Nomalungelo Gina, the dialogue is aimed at educating consumers about consumer rights, more importantly during the COVID-19 pandemic and to outline the regulations that businesses must comply with.<\\/p>\\r\\n<p>She adds that the dialogue will amongst others; explain consumer rights and complaints processes, responsible credit lending, borrowing and spending, price hikes, amendments of the Competition Act and collusive conduct; including the process to report inflated prices.<\\/p>\\r\\n<p>\\u201cThe importance of educating consumers about their rights during the COVID-19 pandemic is critical, as some of the businesses may see an opening to exploit consumers and for unfair competition and practices to thrive amongst others. We want to educate consumers about responsible borrowing and spending, create awareness about the responsible lending by credit providers, update them on the cases under investigation for unfair business trading and create awareness on the steps and processes to follow in reporting price colluding,\\u201d says Gina.<\\/p>\\r\\n<p>Importantly, Gina says the dialogue will afford the panelists an opportunity to share with the audience the various support services, programmes, processes and recourses available to consumers and businesses during the COVID-19 pandemic, and further impress upon the need to keep a healthy credit life during these times.<\\/p>\\r\\n<p>Gina is encouraging consumers to be part of the conversation and acquire knowledge that will protect them from unfair business practices and exploitation.<\\/p>\\r\\n<p>Please click the link below to join the webinar:<br \\/> <a href=\\\"https:\\/\\/gcis.zoom.us\\/j\\/92253505093\\\">https:\\/\\/gcis.zoom.us\\/j\\/92253505093<\\/a><\\/p>\\r\\n<p>Enquiries:<br \\/> Sidwell Medupe-Departmental Spokesperson<br \\/> Tel: (012) 394 1650<br \\/> Mobile: 079 492 1774<br \\/> E-mail: MSMedupe@thedti.gov.za<br \\/> Issued by: The Department of Trade, Industry and Competition<br \\/> Follow us on Twitter:<br \\/> @the_dti<br \\/> @CompComSA<br \\/> @NCC_COVID19<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 07:56:04\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 07:56:04\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-09 07:56:04\",\"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),(657,103,1,'','2020-10-09 08:00:18',915,3784,'a4e9f3eb4a13c2408549668ebc5242e4d0111cc5','{\"id\":103,\"asset_id\":245,\"title\":\"Media advisory cosumer rights webinar -  Consumer protection matters to come under spotlight during the dtic dialogue\",\"alias\":\"media-advisory-cosumer-rights-webinar-consumer-protection-matters-to-come-under-spotlight-during-the-dtic-dialogue\",\"introtext\":\"<p align=\\\"right\\\"><strong>DATE: 16 September 2020 <\\/strong><\\/p>\\r\\n<p><strong>Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/strong><\\/p>\\r\\n<p>Consumer Protection matters will come under the spotlight during a Consumer Protection Webinar that will be hosted by the Department of Trade, Industry and Competition (<strong>the dtic<\\/strong>) in conjunction with its agencies, the Competition Commission (CompCom), the National Consumer Commission (NCC) and the National Credit Regulator (NCR).<\\/p>\\r\\n<p><strong>Members of the media are invited to the webinar as follows:<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Date:<\\/td>\\r\\n<td>Thursday, 17 September 2020<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Time:<\\/td>\\r\\n<td>14H00<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Venue:<\\/td>\\r\\n<td>GCIS Video link:<a href=\\\"https:\\/\\/gcis.zoom.us\\/j\\/92253505093\\\">https:\\/\\/gcis.zoom.us\\/j\\/92253505093<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p>According to the Deputy Minister of Trade, Industry and Competition, Ms Nomalungelo Gina, the dialogue is aimed at educating consumers about consumer rights, more importantly during the COVID-19 pandemic and to outline the regulations that businesses must comply with.<\\/p>\\r\\n<p>Gina is encouraging consumers to be part of the conversation and acquire knowledge that will protect them from unfair business practices and exploitation.<\\/p>\\r\\n<p>Enquiries:<br \\/> Sidwell Medupe-Departmental Spokesperson<br \\/> Tel: (012) 394 1650<br \\/> Mobile: 079 492 1774<br \\/> E-mail: MSMedupe@thedti.gov.za<br \\/> Issued by: The Department of Trade, Industry and Competition<br \\/> Follow us on Twitter:<br \\/> @the_dti <br \\/> @CompComSA<br \\/> @NCC_COVID19<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 08:00:18\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 08:00:18\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-09 08:00:18\",\"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),(658,104,1,'','2020-10-09 08:01:30',915,8076,'2e0277029f8b16c4f67d4be5de61ff507bcd795b','{\"id\":104,\"asset_id\":246,\"title\":\"Covid-19 impact on credit extension\",\"alias\":\"covid-19-impact-on-credit-extension\",\"introtext\":\"<p style=\\\"text-align: right;\\\"><strong>October 2020<\\/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 March 2020 to June 2020. The total value of new credit granted decreased by 56.72% quarter-on-quarter from R126.35 billion to R54.68 billion. The number of credit agreements entered into decreased by 47.73% quarter-on-quarter from 3.93 million to 2.05 million.<\\/p>\\r\\n<p>The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2020:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted decreased by R25.95 billion (66.65%) quarter-on-quarter and by R27.20 billion (67.69%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, decreased by R18.57 billion (47.51%) quarter-on-quarter, and by R20.69 billion (50.22%) year-on-year.<\\/li>\\r\\n<li>Credit facilities decreased by R9.71billion (50.53%) quarter-on-quarter and by R11.60 billion (54.97%) year-on year.<\\/li>\\r\\n<li>Unsecured credit decreased by R15.10 billion (59.64%) quarter-on-quarter and by R18.42 billion (64.32%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2020 was R1.96 trillion, representing a decrease of 0.94% quarter-on-quarter and an increase of 3.09% year-on-year. The trends for outstanding balances for the quarter ended June 2020 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book decreased by R4.26 billion (0.43%) for the quarter ended June 2020 and increased by R25.90 billion (2.70%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book decreased by R4.51 billion (1.01%) for the quarter ended June 2020 and increased by R7.63 billion (1.75%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book decreased by R6.96 billion (2.64%) for the quarter ended June 2020 and increased by R7.42 billion (2.97%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book decreased by R2.97 billion (1.33%) for the quarter ended June 2020 and increased by R15.24 billion (7.41%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 26.96 million credit-active consumers, which showed a decrease of 3.69% when compared to the 27.99 million in the previous quarter. Consumers classified in good standing decreased by 559,318 to 16.96 million consumers. This amounts to 62.90% of the total number of credit-active consumers, a decrease of 3.19% quarter-on-quarter and 3.65% year-on-year. The number of credit active accounts decreased from 85.99 million to 85.23 million in the quarter ended June 2020. The number of impaired accounts has increased from 19.88 million (23.12%) to 20.66 million (24.24%) in June 2020, an increase of 779,707 quarter-on-quarter and 506,836 year-on-year.<\\/p>\\r\\n<p>The number of credit reports issued to consumers decreased from 240,688 to 217,743. A total of 199,977 (91.84%) credit reports were issued free of charge, and the balance of 17,766 (8.16%) were issued at a cost. There were 29,017 disputes lodged on information held on consumer credit records for the quarter ended June 2020, a decrease of 26.67% quarter-on-quarter and 21.66% year-on-year.<\\/p>\\r\\n<p>Nomsa Motshegare, the Chief Executive Officer (CEO) of the NCR advises consumers battling to keep up with their payments to contact their credit providers first to negotiate for lower instalments or some kind of relief to assist them with their debts. If this fails, consumers are further advised to approach registered debt counsellors for assistance. Motshegare further advised that consumers who have credit life insurance should make a claim against their credit life insurance. Credit life insurance is an insurance that a consumer purchases when applying for credit or loan. It covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others. In the event of the consumer becoming unemployed or unable to earn an income, the credit life insurance cover provides that credit providers must settle \\/ pay the consumer\\u2019s debt for a period of twelve (12) months or for the remaining repayment period or until the consumer finds employment or is able to earn an income, whichever period is shorter. Consumers can contact the NCR on 0860 627 627 \\/ www.ncr.org.za for additional information.<\\/p>\\r\\n<p><strong>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the March 2020 and June 2020 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the June 2019 and June 2020 quarters.<\\/strong><\\/p>\\r\\n<p style=\\\"text-align: center;\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p>About The National Credit Regulator<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 style=\\\"text-align: center;\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Media Office:\\u00a0<a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Or<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Ntombizodwa Mahlangu<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">064 752 3926<\\/p>\\r\\n<p style=\\\"text-align: center;\\\">E-mail:\\u00a0<a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"text-align: center;\\\">Website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 08:01:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 08:01:30\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-09 08:01:30\",\"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\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(660,105,1,'','2020-10-09 08:13:21',915,1756,'0266be80fcd0f0e4cc2a79491e0c815cde782619','{\"id\":105,\"asset_id\":247,\"title\":\"latest news\",\"alias\":\"latest-news-more\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 08:13:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 08:13:21\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-10-09 08:13:21\",\"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\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(661,105,1,'','2020-10-09 08:14:03',915,1851,'27945c638867ecc9a9b821b3d67eca243cb06b5b','{\"id\":105,\"asset_id\":\"247\",\"title\":\"latest news\",\"alias\":\"latest-news-more\",\"introtext\":\"<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-10-09 08:13:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 08:14:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-09 08:13:21\",\"publish_up\":\"2020-10-09 08:13:21\",\"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\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(662,105,1,'','2020-10-09 08:15:24',915,1851,'8e5ceefec55cb1cdd4728f84d36c48b70073b43d','{\"id\":105,\"asset_id\":\"247\",\"title\":\"latest news\",\"alias\":\"latest-news-more\",\"introtext\":\"<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2020-10-09 08:13:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-09 08:15:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-09 08:15:19\",\"publish_up\":\"2020-10-09 08:13:21\",\"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\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(665,15,5,'','2020-10-09 11:31:58',915,644,'3130657e549efb8bb36409ecc3356b02f047dd27','{\"id\":15,\"asset_id\":\"100\",\"parent_id\":\"1\",\"lft\":\"37\",\"rgt\":\"38\",\"level\":\"1\",\"path\":\"education-and-communications\",\"extension\":\"com_content\",\"title\":\"Education and Communication\",\"alias\":\"education-and-communications\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-09 11:31:54\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-15 12:29:30\",\"modified_user_id\":\"915\",\"modified_time\":\"2020-10-09 11:31:58\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(673,77,1,'','2020-10-12 13:34:11',915,3339,'9f32d9de69186e1bd3939fd402ce176a841f8f11','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">Registration as an Alternative Dispute Resolution Agent<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=84&amp;catid=24\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">Registration as a Credit Bureau<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=28\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>\\u00a0<\\/h5>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-12 13:34:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-12 13:32:13\",\"publish_up\":\"2020-07-14 10:16:49\",\"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\":9,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"56\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(674,77,1,'','2020-10-12 13:35:30',915,3858,'5c4ecec9f60b7667a922425eda12cabccefae1b2','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">Registration as an Alternative Dispute Resolution Agent<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=84&amp;catid=24\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">Registration as a Credit Bureau<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=28\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Provider\\u00a0<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">Registration as a Credit Provider<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=82&amp;catid=27\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-12 13:35:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-12 13:34:11\",\"publish_up\":\"2020-07-14 10:16:49\",\"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\":10,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"57\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(675,77,1,'','2020-10-12 13:37:14',915,4391,'be6b263d649712aaf1fb792bc2f79fe1f1503807','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">Registration as an Alternative Dispute Resolution Agent<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=84&amp;catid=24\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">Registration as a Credit Bureau<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=28\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Provider\\u00a0<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">Registration as a Credit Provider<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=82&amp;catid=27\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Debt Counsellors<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">Registration as a Debt Counsellor<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=83&amp;catid=26\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-12 13:37:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-12 13:35:30\",\"publish_up\":\"2020-07-14 10:16:49\",\"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\":11,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"58\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(676,77,1,'','2020-10-12 13:39:28',915,4965,'8c6d54c79a5513eebd95d459485d3a6ed986ba82','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">Registration as an Alternative Dispute Resolution Agent<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=84&amp;catid=24\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">Registration as a Credit Bureau<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=86&amp;catid=28\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Provider\\u00a0<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">Registration as a Credit Provider<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=82&amp;catid=27\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Debt Counsellors<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">Registration as a Debt Counsellor<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=83&amp;catid=26\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Payment Distribution Agents<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=53&amp;catid=25\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=41&amp;catid=25\\\">Registration as a Payment Distribution Agents<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=85&amp;catid=25\\\">Who needs to register? <\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=97&amp;catid=25\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-12 13:39:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-12 13:37:14\",\"publish_up\":\"2020-07-14 10:16:49\",\"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\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"58\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(677,77,1,'','2020-10-12 13:43:14',915,4786,'f7e5ca185360b5b59a41ec7ea53da37917bc260f','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">Registration as an Alternative Dispute Resolution Agent<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">Registration as a Credit Bureau<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Provider\\u00a0<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">Registration as a Credit Provider<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Debt Counsellors<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">Registration as a Debt Counsellor<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Payment Distribution Agents<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=53&amp;catid=25\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=41&amp;catid=25\\\">Registration as a Payment Distribution Agents<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=97&amp;catid=25\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Reseller Credit Bureau<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=52&amp;catid=29\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=45&amp;catid=29\\\">Registration as a Reseller Credit Bureau<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=101&amp;catid=29\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-12 13:43:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-12 13:39:28\",\"publish_up\":\"2020-07-14 10:16:49\",\"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\":13,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"58\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(694,78,1,'','2020-10-13 14:38:20',915,18051,'4bbb7291779ffa6e538e771c1d16f7005f95e85f','{\"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 \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=22&amp;catid=15\\\">Click here to view over-Indebtedness<\\/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<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=35&amp;catid=15\\\">Click here to view How to access your credit report<\\/a><\\/p>\\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>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<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=36&amp;catid=15\\\"> Click here to view consumer Rights<\\/a><\\/p>\\r\\n<h5>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>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2020-07-14 15:37:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 14:38:20\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 14:32:36\",\"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\":26,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"87\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(695,78,1,'','2020-10-13 14:44:59',915,18730,'627a49e4be1f499145cb518f974cd7e410df0837','{\"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 \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=22&amp;catid=15\\\">Click here to view over-Indebtedness<\\/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<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=35&amp;catid=15\\\">Click here to view How to access your credit report<\\/a><\\/p>\\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>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<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=36&amp;catid=15\\\"> Click here to view consumer Rights<\\/a><\\/p>\\r\\n<h5>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>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2020-07-14 15:37:40\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 14:44:59\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 14:38:20\",\"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\":27,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"88\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(696,37,1,'','2020-10-13 14:46:04',915,2769,'4d1af6b95a3389b3be5c5168d655cac479930a9f','{\"id\":37,\"asset_id\":\"142\",\"title\":\"Consumer Tips\",\"alias\":\"consumer-tips\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<p><a style=\\\"line-height: 15.8079996109009px;\\\" href=\\\"newsletters\\/01\\/MAMA%20SIZA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/MAMA-SIZA_002.jpg\\\" alt=\\\"\\\" width=\\\"524\\\" height=\\\"741\\\" \\/><\\/a><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"&lt;img src=\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/>\\\" alt=\\\"\\\" \\/&gt;<\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-3.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-4.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-5.jpg\\\" alt=\\\"\\\" \\/><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-04 13:47:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 14:46:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 14:45:52\",\"publish_up\":\"2019-04-04 13:47:36\",\"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\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"58\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(697,78,1,'','2020-10-13 14:50:30',915,18896,'0c61a6698fac879c5a527368afe8f233018905af','{\"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 \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=22&amp;catid=15\\\">Click here to view over-Indebtedness<\\/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<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=35&amp;catid=15\\\">Click here to view How to access your credit report<\\/a><\\/p>\\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>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<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=36&amp;catid=15\\\"> Click here to view consumer Rights<\\/a><\\/p>\\r\\n<h5>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>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\":\"2020-10-13 14:50:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 14:50:24\",\"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\":29,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"89\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(698,78,1,'','2020-10-13 14:52:53',915,18974,'483bbb8e32bf50736e7a4f7bb38acbdd0084ef41','{\"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 \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=22&amp;catid=15\\\">Click here to view over-Indebtedness<\\/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<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=35&amp;catid=15\\\">Click here to view How to access your credit report<\\/a><\\/p>\\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>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<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=36&amp;catid=15\\\"> Click here to view consumer Rights<\\/a><\\/p>\\r\\n<h5>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\":\"2020-10-13 14:52:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 14:52:46\",\"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\":31,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"89\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(699,78,1,'','2020-10-13 14:57:03',915,18974,'7b350a7435b3a6f3c849be80eab9f0d0d253546d','{\"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 \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=22&amp;catid=15\\\">Click here to view over-Indebtedness<\\/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<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=35&amp;catid=15\\\">Click here to view How to access your credit report<\\/a><\\/p>\\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>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<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=36&amp;catid=15\\\"> Click here to view consumer Rights<\\/a><\\/p>\\r\\n<h5>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\":\"2020-10-13 14:57:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 14:52:53\",\"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\":32,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"93\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(700,37,1,'','2020-10-13 15:02:24',915,2634,'605548939bd0bc7f550fc44fe3eb247eaca3bfc5','{\"id\":37,\"asset_id\":\"142\",\"title\":\"Consumer Tips\",\"alias\":\"consumer-tips\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<p><a style=\\\"line-height: 15.8079996109009px;\\\" href=\\\"newsletters\\/01\\/MAMA%20SIZA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/MAMA-SIZA_002.jpg\\\" alt=\\\"\\\" width=\\\"524\\\" height=\\\"741\\\" \\/><\\/a><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"&lt;img src=\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/>\\\" alt=\\\"\\\" \\/&gt;<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-3.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-4.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-5.jpg\\\" alt=\\\"\\\" \\/><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-04 13:47:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 15:02:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 15:02:15\",\"publish_up\":\"2019-04-04 13:47:36\",\"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\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"60\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(701,37,1,'','2020-10-13 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15:08:39',915,2192,'91d58be465574ab6c8a4d15ce993e9a1272a5f89','{\"id\":37,\"asset_id\":\"142\",\"title\":\"Consumer Tips\",\"alias\":\"consumer-tips\",\"introtext\":\"<table border=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/MAMA-SIZA_002.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/A4-ads-3.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/A4-ads-4.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/A4-ads-5.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-04 13:47:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 15:08:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 15:07:48\",\"publish_up\":\"2019-04-04 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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\":8,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"63\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(703,37,1,'','2020-10-13 15:20:45',915,2084,'11124a9507bcdb0d3b231c963fd202c0f849e124','{\"id\":37,\"asset_id\":\"142\",\"title\":\"Consumer Tips\",\"alias\":\"consumer-tips\",\"introtext\":\"<p>table border=\\\"0\\\" cellpadding=\\\"10\\\"&gt;<\\/p>\\r\\n<p><img src=\\\"images\\/advert_11.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><img src=\\\"images\\/advert_12.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><img src=\\\"images\\/advert_13.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><img src=\\\"images\\/advert_14.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-04 13:47:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 15:20:45\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 15:08:39\",\"publish_up\":\"2019-04-04 13:47:36\",\"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\":9,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"64\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(704,37,1,'','2020-10-13 15:21:17',915,2192,'4668381487414f3d5cdca22bb1e62c6407037acb','{\"id\":37,\"asset_id\":\"142\",\"title\":\"Consumer Tips\",\"alias\":\"consumer-tips\",\"introtext\":\"<table border=\\\"0\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/advert_11.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/advert_12.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><img src=\\\"images\\/advert_13.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<td><img src=\\\"images\\/advert_14.jpg\\\" alt=\\\"\\\" height=\\\"390\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-04 13:47:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-13 15:21:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 15:20:45\",\"publish_up\":\"2019-04-04 13:47:36\",\"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\":10,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"65\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(716,78,1,'','2020-10-13 15:45:13',915,18842,'e20c73f157440b45731fda68e177904011daa7ac','{\"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 \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@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<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=35&amp;catid=15\\\">Click here to view How to access your credit report<\\/a><\\/p>\\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>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<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=36&amp;catid=15\\\"> Click here to view consumer Rights<\\/a><\\/p>\\r\\n<h5>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\":\"2020-10-13 15:45:13\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 15:44:20\",\"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\":34,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"106\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(717,78,1,'','2020-10-13 15:46:57',915,18567,'dc40fbe4be452409c8b2fdbc04aa55cf98483d34','{\"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 \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@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>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\":\"2020-10-13 15:46:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-13 15:45:13\",\"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\":35,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"107\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(718,77,1,'','2020-10-14 13:06:52',915,4723,'5846ab6c7c0780ce17e8c85689397e4b71e6b26f','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">How do I register?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">How do I register?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Credit Provider\\u00a0<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">How do I register?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Debt Counsellors<\\/h5>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">How do I register?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/p>\\r\\n<h5>Payment Distribution Agents<\\/h5>\\r\\n<ul>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=53&amp;catid=25\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=41&amp;catid=25\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=97&amp;catid=25\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<h5>Reseller Credit Bureau<\\/h5>\\r\\n<ul>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=52&amp;catid=29\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=45&amp;catid=29\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=101&amp;catid=29\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-14 13:06:52\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-14 13:03:24\",\"publish_up\":\"2020-07-14 10:16:49\",\"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\":15,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"91\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(719,77,1,'','2020-10-14 13:09:43',915,4819,'c2ee993ff2b98f432fd6c2166223859102d11fe4','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Credit Provider\\u00a0<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Debt Counsellors<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Payment Distribution Agents<\\/h5>\\r\\n<ul>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=53&amp;catid=25\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=41&amp;catid=25\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=97&amp;catid=25\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<h5>Reseller Credit Bureau<\\/h5>\\r\\n<ul>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=52&amp;catid=29\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=45&amp;catid=29\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=101&amp;catid=29\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-14 13:09:43\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-14 13:06:52\",\"publish_up\":\"2020-07-14 10:16:49\",\"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\":16,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"92\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(720,77,1,'','2020-10-14 13:11:05',915,4783,'f6a9d4a688b80421baa939f76b63fe7319b75275','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<h5>Alternative Dispute Resolution Agent<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Credit Bureau<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Credit Provider\\u00a0<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Debt Counsellors<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Payment Distribution Agents<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=53&amp;catid=25\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=41&amp;catid=25\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=97&amp;catid=25\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h5>Reseller Credit Bureau<\\/h5>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=52&amp;catid=29\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=45&amp;catid=29\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=101&amp;catid=29\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-14 13:11:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-14 13:09:43\",\"publish_up\":\"2020-07-14 10:16:49\",\"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\":17,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"94\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(732,77,1,'','2020-10-15 14:23:24',915,4880,'23cb5dd89162b98dd8df40330998501c4c152f8f','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to registering credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<p><strong>Alternative Dispute Resolution Agent<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Credit Bureau<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Credit Provider\\u00a0<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Debt Counsellors<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment Distribution Agents<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=53&amp;catid=25\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=41&amp;catid=25\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=97&amp;catid=25\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Reseller Credit Bureau<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=52&amp;catid=29\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=45&amp;catid=29\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=101&amp;catid=29\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-15 14:23:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-15 14:21:14\",\"publish_up\":\"2020-07-14 10:16:49\",\"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\":18,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"117\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(733,77,1,'','2020-10-15 14:24:21',915,4875,'70eed0127ccb379111f6fe97b4201772c2aa4ca1','{\"id\":77,\"asset_id\":\"215\",\"title\":\"Registrations\",\"alias\":\"registrations-department\",\"introtext\":\"<h5>Mandate of the Registrations Department<\\/h5>\\r\\n<p>The Registrations Department is mandated to register credit providers, credit bureaus, debt counsellors, payment distribution agents, alternative dispute resolution agents and reseller credit bureaus. In addition, the department is responsible for renewing registrations, updating the register of registrants and printing registration certificates and window decals.<\\/p>\\r\\n<p><strong>Alternative Dispute Resolution Agent<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=51&amp;catid=24\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=40&amp;catid=24\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=98&amp;catid=24\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Credit Bureau<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=54&amp;catid=28\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=44&amp;catid=28\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=94&amp;catid=28\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Credit Provider\\u00a0<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=49&amp;catid=27\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=43&amp;catid=27\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=96&amp;catid=27\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Debt Counsellor<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=50&amp;catid=26\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=42&amp;catid=26\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=99&amp;catid=26\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment Distribution Agent<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=53&amp;catid=25\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=41&amp;catid=25\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=97&amp;catid=25\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Reseller Credit Bureau<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=52&amp;catid=29\\\">Application forms<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=45&amp;catid=29\\\">How do I register?<\\/a><\\/li>\\r\\n<li><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=101&amp;catid=29\\\">Voluntary cancellation of registration<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2020-07-14 10:16:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-15 14:24:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-15 14:23:24\",\"publish_up\":\"2020-07-14 10:16:49\",\"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\":19,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"118\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(747,1,1,'','2020-10-28 13:42:33',915,2693,'705c5518dbbcb276b6b0634631af1428c25e78cc','{\"id\":1,\"asset_id\":\"57\",\"title\":\"WELCOME TO THE NATIONAL CREDIT REGULATOR\",\"alias\":\"welcome-to-the-national-credit-regulator\",\"introtext\":\"<h1 class=\\\"hidden-sm bg-info\\\">This text is hidden on a SMALL screen.<\\/h1>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator for the South African credit industry by the National Credit Act (34 of 2005) (NCA). It is tasked with consumer education, research, policy development, registration of industry participants, investigation of complaints and enforcement of the NCA.<\\/p>\\r\\n<p>The NCA requires the NCR to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR registers and ensures compliance to the NCA by the following industry participants: credit providers, credit bureaus, debt counsellors, alternative dispute resolution agents and payment distribution agents.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-06 15:18:44\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-10-28 13:42:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-10-28 13:42:02\",\"publish_up\":\"2019-03-06 15:18:44\",\"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\":9,\"ordering\":\"6\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"17\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(748,78,1,'','2020-11-06 14:28:44',915,20869,'36a8651df152c5d6eb4a9a170764cf09657d4944','{\"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 \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@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>\\u00a0<\\/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\":\"2020-11-06 14:28:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-11-06 14:26:50\",\"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\":36,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"129\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(749,78,1,'','2020-11-06 14:29:23',915,20870,'225303ecca0b645d54b2a285248d0b62b8d0b7a2','{\"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 \\/> Ntombizodwa Mahlangu - <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@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\":\"2020-11-06 14:29:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-11-06 14:28:44\",\"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\":37,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"130\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(751,27,1,'','2020-12-02 16:00:30',915,5622,'d7fce5c42c291d9cfee3519e5dedfa55302cfeb1','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"750\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\u00a0\\r\\n<p align=\\\"center\\\"><img src=\\\"images\\/annual_report\\/annual_report_2019_2020.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR_AnnualReport_2019-2020_2611.pdf\\\">Annual Report 2019\\/2020<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\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\":\"2020-12-02 16:00:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-12-02 15:53:01\",\"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\":13,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"85\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(752,27,1,'','2020-12-02 16:01:58',915,5626,'4216f8d4dcd7a45e59ea9ade0eb87aa7a517d8a5','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"750\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\u00a0\\r\\n<p align=\\\"center\\\"><img src=\\\"..\\/images\\/annual_report\\/annual_report_2019_2020.jpg\\\" alt=\\\"\\\" width=\\\"150\\\" \\/><br \\/><br \\/> <a href=\\\"documents\\/NCR_AnnualReport_2019-2020_2611.pdf\\\">Annual Report 2019\\/2020<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\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\":\"2020-12-02 16:01:58\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-12-02 16:00:30\",\"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\":14,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"88\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(753,27,1,'','2020-12-02 16:03:12',915,5650,'38775b83bbe6bffe7590c2b0873415c0bd29194d','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"750\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\u00a0\\r\\n<p align=\\\"center\\\"><img src=\\\"..\\/documents\\/pages\\/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<\\/td>\\r\\n<td>\\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\":\"2020-12-02 16:03:12\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-12-02 16:01:58\",\"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\":15,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"90\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(754,27,1,'','2020-12-02 16:05:21',915,5668,'a251bc62e2654f24c07b72bca1be10fd2e0a0e56','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"750\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td>\\u00a0\\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<\\/td>\\r\\n<td>\\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\":\"2020-12-02 16:05:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-12-02 16:04:10\",\"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\":18,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"94\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(755,40,5,'','2021-01-07 08:34:59',915,573,'97bedf1767f49e1d4129b9b3f2c5b2d030a54e68','{\"id\":40,\"asset_id\":255,\"parent_id\":\"1\",\"lft\":\"75\",\"rgt\":76,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Report Corruption\",\"alias\":\"report-corruption\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2021-01-07 08:34:59\",\"modified_user_id\":null,\"modified_time\":\"2021-01-07 08:34:59\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(756,41,5,'','2021-01-07 08:38:39',915,736,'fb8fa108697342017fab936e9396583112e23a65','{\"id\":41,\"asset_id\":256,\"parent_id\":\"1\",\"lft\":\"77\",\"rgt\":78,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Tip Off Anonymous: Ethics Line by KPMG\",\"alias\":\"tip-off-anonymous-ethics-line-by-kpmg\",\"note\":\"\",\"description\":\"<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/Poster.jpg\\\" width=\\\"500\\\" \\/><\\/p>\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2021-01-07 08:38:39\",\"modified_user_id\":null,\"modified_time\":\"2021-01-07 08:38:39\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(757,106,1,'','2021-01-07 08:40:43',915,1927,'35c5350119d40efd5d48adc1f53fc3b0772f5600','{\"id\":106,\"asset_id\":257,\"title\":\"Tip Off Anonymous: Ethics Line by KPMG\",\"alias\":\"tip-off-anonymous-ethics-line-by-kpmg\",\"introtext\":\"<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/Poster.jpg\\\" width=\\\"500\\\" \\/><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"40\",\"created\":\"2021-01-07 08:40:43\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-07 08:40:43\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-01-07 08:40:43\",\"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),(758,29,1,'','2021-01-14 07:21:39',915,4326,'9e0e3b7faea1f09d8f9c4a37d62ebb8ed178c74e','{\"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\\/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\":\"2021-01-14 07:21:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-14 07:19:28\",\"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\":8,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"69\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(762,78,1,'','2021-01-27 12:27:12',915,20868,'8d794522bf13a4271bce6fe67b2037c63d4e0e3d','{\"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\":\"\"}',0),(763,20,1,'','2021-01-27 12:44:26',915,1880,'b1a65219d61f4dfc7da852f70171cd72b116c4c0','{\"id\":20,\"asset_id\":\"115\",\"title\":\"Consumer Affairs\",\"alias\":\"provincial-consumer-affairs-department\",\"introtext\":\"<p>{loadmodule mod_azdirectory,Provincial Consumer Affairs Department}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-03-26 09:37:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-27 12:44:26\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-27 12:44:23\",\"publish_up\":\"2019-03-26 09:37:02\",\"publish_down\":\"0000-00-00 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12:56:36',915,1902,'88cc7eedba9a95de479e0c2ac1c07910b57f4412','{\"id\":20,\"asset_id\":\"115\",\"title\":\"Provincial Consumer Affairs Department\",\"alias\":\"provincial-consumer-affairs-department\",\"introtext\":\"<p>{loadmodule mod_azdirectory,Provincial Consumer Affairs Department}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-03-26 09:37:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-27 12:56:36\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-27 12:44:26\",\"publish_up\":\"2019-03-26 09:37:02\",\"publish_down\":\"0000-00-00 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14:36:17',915,1898,'702dc95845605cd5b46bab8da6f63d06ed7ed462','{\"id\":20,\"asset_id\":\"115\",\"title\":\"Provincial Consumer Affairs Office\",\"alias\":\"provincial-consumer-affairs-department\",\"introtext\":\"<p>{loadmodule mod_azdirectory,Provincial Consumer Affairs Department}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-03-26 09:37:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-27 14:36:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-27 14:36:04\",\"publish_up\":\"2019-03-26 09:37:02\",\"publish_down\":\"0000-00-00 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