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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\":18,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"141\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(767,7,2,'','2021-01-28 14:50:31',915,1803,'6fb64fac9ee6cc9c2a4e176dd02520ef15bc7e54','{\"id\":7,\"name\":\"Kwa-Zulu Natal\",\"alias\":\"kwa-zulu-natal\",\"con_position\":\"\",\"address\":\"\",\"suburb\":\"\",\"state\":\"\",\"country\":\"\",\"postcode\":\"\",\"telephone\":\"033 264 2500\",\"fax\":\"033 264 2676\",\"misc\":\"\",\"image\":\"\",\"email_to\":\"tshepiso.selepe@kznedtea.gov.za\",\"default_con\":0,\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-28 14:49:24\",\"ordering\":\"7\",\"params\":\"{\\\"show_contact_category\\\":\\\"\\\",\\\"show_contact_list\\\":\\\"\\\",\\\"presentation_style\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_info\\\":\\\"\\\",\\\"show_name\\\":\\\"\\\",\\\"show_position\\\":\\\"\\\",\\\"show_email\\\":\\\"\\\",\\\"add_mailto_link\\\":\\\"\\\",\\\"show_street_address\\\":\\\"\\\",\\\"show_suburb\\\":\\\"\\\",\\\"show_state\\\":\\\"\\\",\\\"show_postcode\\\":\\\"\\\",\\\"show_country\\\":\\\"\\\",\\\"show_telephone\\\":\\\"\\\",\\\"show_mobile\\\":\\\"\\\",\\\"show_fax\\\":\\\"\\\",\\\"show_webpage\\\":\\\"\\\",\\\"show_image\\\":\\\"\\\",\\\"show_misc\\\":\\\"\\\",\\\"allow_vcard\\\":\\\"\\\",\\\"show_articles\\\":\\\"\\\",\\\"articles_display_num\\\":\\\"\\\",\\\"show_profile\\\":\\\"\\\",\\\"show_links\\\":\\\"\\\",\\\"linka_name\\\":\\\"\\\",\\\"linka\\\":false,\\\"linkb_name\\\":\\\"\\\",\\\"linkb\\\":false,\\\"linkc_name\\\":\\\"\\\",\\\"linkc\\\":false,\\\"linkd_name\\\":\\\"\\\",\\\"linkd\\\":false,\\\"linke_name\\\":\\\"\\\",\\\"linke\\\":false,\\\"contact_layout\\\":\\\"\\\",\\\"show_email_form\\\":\\\"\\\",\\\"show_email_copy\\\":\\\"\\\",\\\"banned_email\\\":\\\"\\\",\\\"banned_subject\\\":\\\"\\\",\\\"banned_text\\\":\\\"\\\",\\\"validate_session\\\":\\\"\\\",\\\"custom_reply\\\":\\\"\\\",\\\"redirect\\\":\\\"\\\"}\",\"user_id\":0,\"catid\":\"21\",\"access\":\"1\",\"mobile\":\"\",\"webpage\":\"http:\\/\\/www.kznedtea.gov.za\",\"sortname1\":\"\",\"sortname2\":\"\",\"sortname3\":\"\",\"language\":\"*\",\"created\":\"2019-04-02 10:40:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-28 14:50:31\",\"modified_by\":\"915\",\"metakey\":\"\",\"metadesc\":\"\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"rights\\\":\\\"\\\"}\",\"featured\":\"0\",\"xreference\":\"\",\"publish_up\":\"0000-00-00 00:00:00\",\"publish_down\":\"0000-00-00 00:00:00\",\"version\":4,\"hits\":\"0\"}',0),(768,1,2,'','2021-01-28 14:51:42',915,1797,'124cdab68ec2b83bdbac2a01bbe0322d3451cdf7','{\"id\":1,\"name\":\"Eastern Cape \",\"alias\":\"eastern-cape\",\"con_position\":\"\",\"address\":\"\",\"suburb\":\"\",\"state\":\"\",\"country\":\"\",\"postcode\":\"\",\"telephone\":\"086 000 7255\",\"fax\":\"086 611 4305\",\"misc\":\"\",\"image\":\"\",\"email_to\":\"charnette.ferreira@dedea.gov.za\",\"default_con\":0,\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-28 14:50:59\",\"ordering\":\"1\",\"params\":\"{\\\"show_contact_category\\\":\\\"\\\",\\\"show_contact_list\\\":\\\"\\\",\\\"presentation_style\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_info\\\":\\\"\\\",\\\"show_name\\\":\\\"\\\",\\\"show_position\\\":\\\"\\\",\\\"show_email\\\":\\\"\\\",\\\"add_mailto_link\\\":\\\"\\\",\\\"show_street_address\\\":\\\"\\\",\\\"show_suburb\\\":\\\"\\\",\\\"show_state\\\":\\\"\\\",\\\"show_postcode\\\":\\\"\\\",\\\"show_country\\\":\\\"\\\",\\\"show_telephone\\\":\\\"\\\",\\\"show_mobile\\\":\\\"\\\",\\\"show_fax\\\":\\\"\\\",\\\"show_webpage\\\":\\\"\\\",\\\"show_image\\\":\\\"\\\",\\\"show_misc\\\":\\\"\\\",\\\"allow_vcard\\\":\\\"\\\",\\\"show_articles\\\":\\\"\\\",\\\"articles_display_num\\\":\\\"\\\",\\\"show_profile\\\":\\\"\\\",\\\"show_links\\\":\\\"\\\",\\\"linka_name\\\":\\\"\\\",\\\"linka\\\":false,\\\"linkb_name\\\":\\\"\\\",\\\"linkb\\\":false,\\\"linkc_name\\\":\\\"\\\",\\\"linkc\\\":false,\\\"linkd_name\\\":\\\"\\\",\\\"linkd\\\":false,\\\"linke_name\\\":\\\"\\\",\\\"linke\\\":false,\\\"contact_layout\\\":\\\"\\\",\\\"show_email_form\\\":\\\"\\\",\\\"show_email_copy\\\":\\\"\\\",\\\"banned_email\\\":\\\"\\\",\\\"banned_subject\\\":\\\"\\\",\\\"banned_text\\\":\\\"\\\",\\\"validate_session\\\":\\\"\\\",\\\"custom_reply\\\":\\\"\\\",\\\"redirect\\\":\\\"\\\"}\",\"user_id\":0,\"catid\":\"21\",\"access\":\"1\",\"mobile\":\"\",\"webpage\":\"http:\\/\\/www.dedea.gov.za\",\"sortname1\":\"\",\"sortname2\":\"\",\"sortname3\":\"\",\"language\":\"*\",\"created\":\"2019-04-02 08:59:10\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-28 14:51:42\",\"modified_by\":\"915\",\"metakey\":\"\",\"metadesc\":\"\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"rights\\\":\\\"\\\"}\",\"featured\":\"0\",\"xreference\":\"\",\"publish_up\":\"0000-00-00 00:00:00\",\"publish_down\":\"0000-00-00 00:00:00\",\"version\":6,\"hits\":\"0\"}',0),(769,8,2,'','2021-01-28 14:54:02',915,1784,'370368765237eba4806d6cdfe4fd327b2dd1da2e','{\"id\":8,\"name\":\"Northern Cape\",\"alias\":\"northern-cape\",\"con_position\":\"\",\"address\":\"\",\"suburb\":\"\",\"state\":\"\",\"country\":\"\",\"postcode\":\"\",\"telephone\":\"053 839 4000\",\"fax\":\"053 831 5547\",\"misc\":\"\",\"image\":\"\",\"email_to\":\"jspeek@ncpg.gov.za\",\"default_con\":0,\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-28 14:53:21\",\"ordering\":\"8\",\"params\":\"{\\\"show_contact_category\\\":\\\"\\\",\\\"show_contact_list\\\":\\\"\\\",\\\"presentation_style\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_info\\\":\\\"\\\",\\\"show_name\\\":\\\"\\\",\\\"show_position\\\":\\\"\\\",\\\"show_email\\\":\\\"\\\",\\\"add_mailto_link\\\":\\\"\\\",\\\"show_street_address\\\":\\\"\\\",\\\"show_suburb\\\":\\\"\\\",\\\"show_state\\\":\\\"\\\",\\\"show_postcode\\\":\\\"\\\",\\\"show_country\\\":\\\"\\\",\\\"show_telephone\\\":\\\"\\\",\\\"show_mobile\\\":\\\"\\\",\\\"show_fax\\\":\\\"\\\",\\\"show_webpage\\\":\\\"\\\",\\\"show_image\\\":\\\"\\\",\\\"show_misc\\\":\\\"\\\",\\\"allow_vcard\\\":\\\"\\\",\\\"show_articles\\\":\\\"\\\",\\\"articles_display_num\\\":\\\"\\\",\\\"show_profile\\\":\\\"\\\",\\\"show_links\\\":\\\"\\\",\\\"linka_name\\\":\\\"\\\",\\\"linka\\\":false,\\\"linkb_name\\\":\\\"\\\",\\\"linkb\\\":false,\\\"linkc_name\\\":\\\"\\\",\\\"linkc\\\":false,\\\"linkd_name\\\":\\\"\\\",\\\"linkd\\\":false,\\\"linke_name\\\":\\\"\\\",\\\"linke\\\":false,\\\"contact_layout\\\":\\\"\\\",\\\"show_email_form\\\":\\\"\\\",\\\"show_email_copy\\\":\\\"\\\",\\\"banned_email\\\":\\\"\\\",\\\"banned_subject\\\":\\\"\\\",\\\"banned_text\\\":\\\"\\\",\\\"validate_session\\\":\\\"\\\",\\\"custom_reply\\\":\\\"\\\",\\\"redirect\\\":\\\"\\\"}\",\"user_id\":0,\"catid\":\"21\",\"access\":\"1\",\"mobile\":\"\",\"webpage\":\"http:\\/\\/www.ncpg.gov.za\",\"sortname1\":\"\",\"sortname2\":\"\",\"sortname3\":\"\",\"language\":\"*\",\"created\":\"2019-04-02 10:42:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-28 14:54:02\",\"modified_by\":\"915\",\"metakey\":\"\",\"metadesc\":\"\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"rights\\\":\\\"\\\"}\",\"featured\":\"0\",\"xreference\":\"\",\"publish_up\":\"0000-00-00 00:00:00\",\"publish_down\":\"0000-00-00 00:00:00\",\"version\":2,\"hits\":\"0\"}',0),(770,4,2,'','2021-01-28 14:54:57',915,1776,'36577ca074c50394f9a1adb9b94d94dee12b11d2','{\"id\":4,\"name\":\"Limpopo\",\"alias\":\"limpopo\",\"con_position\":\"\",\"address\":\"\",\"suburb\":\"\",\"state\":\"\",\"country\":\"\",\"postcode\":\"\",\"telephone\":\"015 293 8542\",\"fax\":\"015 295 5740\",\"misc\":\"\",\"image\":\"\",\"email_to\":\"mabokodc@ledet.gov.za\",\"default_con\":0,\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-28 14:54:13\",\"ordering\":\"4\",\"params\":\"{\\\"show_contact_category\\\":\\\"\\\",\\\"show_contact_list\\\":\\\"\\\",\\\"presentation_style\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_info\\\":\\\"\\\",\\\"show_name\\\":\\\"\\\",\\\"show_position\\\":\\\"\\\",\\\"show_email\\\":\\\"\\\",\\\"add_mailto_link\\\":\\\"\\\",\\\"show_street_address\\\":\\\"\\\",\\\"show_suburb\\\":\\\"\\\",\\\"show_state\\\":\\\"\\\",\\\"show_postcode\\\":\\\"\\\",\\\"show_country\\\":\\\"\\\",\\\"show_telephone\\\":\\\"\\\",\\\"show_mobile\\\":\\\"\\\",\\\"show_fax\\\":\\\"\\\",\\\"show_webpage\\\":\\\"\\\",\\\"show_image\\\":\\\"\\\",\\\"show_misc\\\":\\\"\\\",\\\"allow_vcard\\\":\\\"\\\",\\\"show_articles\\\":\\\"\\\",\\\"articles_display_num\\\":\\\"\\\",\\\"show_profile\\\":\\\"\\\",\\\"show_links\\\":\\\"\\\",\\\"linka_name\\\":\\\"\\\",\\\"linka\\\":false,\\\"linkb_name\\\":\\\"\\\",\\\"linkb\\\":false,\\\"linkc_name\\\":\\\"\\\",\\\"linkc\\\":false,\\\"linkd_name\\\":\\\"\\\",\\\"linkd\\\":false,\\\"linke_name\\\":\\\"\\\",\\\"linke\\\":false,\\\"contact_layout\\\":\\\"\\\",\\\"show_email_form\\\":\\\"\\\",\\\"show_email_copy\\\":\\\"\\\",\\\"banned_email\\\":\\\"\\\",\\\"banned_subject\\\":\\\"\\\",\\\"banned_text\\\":\\\"\\\",\\\"validate_session\\\":\\\"\\\",\\\"custom_reply\\\":\\\"\\\",\\\"redirect\\\":\\\"\\\"}\",\"user_id\":0,\"catid\":\"21\",\"access\":\"1\",\"mobile\":\"\",\"webpage\":\"http:\\/\\/www.ledet.gov.za\",\"sortname1\":\"\",\"sortname2\":\"\",\"sortname3\":\"\",\"language\":\"*\",\"created\":\"2019-04-02 10:37:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-28 14:54:57\",\"modified_by\":\"915\",\"metakey\":\"\",\"metadesc\":\"\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"rights\\\":\\\"\\\"}\",\"featured\":\"0\",\"xreference\":\"\",\"publish_up\":\"0000-00-00 00:00:00\",\"publish_down\":\"0000-00-00 00:00:00\",\"version\":2,\"hits\":\"0\"}',0),(771,5,2,'','2021-01-28 14:56:10',915,1780,'9bb6a01abbd8c7c047e644e82b0bb52db39b77cd','{\"id\":5,\"name\":\"North West\",\"alias\":\"north-west\",\"con_position\":\"\",\"address\":\"\",\"suburb\":\"\",\"state\":\"\",\"country\":\"\",\"postcode\":\"\",\"telephone\":\"018 387 7872\",\"fax\":\"018 384 9440\",\"misc\":\"\",\"image\":\"\",\"email_to\":\"eletsogo@nwpg.gov.za\",\"default_con\":0,\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-28 14:55:18\",\"ordering\":\"5\",\"params\":\"{\\\"show_contact_category\\\":\\\"\\\",\\\"show_contact_list\\\":\\\"\\\",\\\"presentation_style\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_info\\\":\\\"\\\",\\\"show_name\\\":\\\"\\\",\\\"show_position\\\":\\\"\\\",\\\"show_email\\\":\\\"\\\",\\\"add_mailto_link\\\":\\\"\\\",\\\"show_street_address\\\":\\\"\\\",\\\"show_suburb\\\":\\\"\\\",\\\"show_state\\\":\\\"\\\",\\\"show_postcode\\\":\\\"\\\",\\\"show_country\\\":\\\"\\\",\\\"show_telephone\\\":\\\"\\\",\\\"show_mobile\\\":\\\"\\\",\\\"show_fax\\\":\\\"\\\",\\\"show_webpage\\\":\\\"\\\",\\\"show_image\\\":\\\"\\\",\\\"show_misc\\\":\\\"\\\",\\\"allow_vcard\\\":\\\"\\\",\\\"show_articles\\\":\\\"\\\",\\\"articles_display_num\\\":\\\"\\\",\\\"show_profile\\\":\\\"\\\",\\\"show_links\\\":\\\"\\\",\\\"linka_name\\\":\\\"\\\",\\\"linka\\\":false,\\\"linkb_name\\\":\\\"\\\",\\\"linkb\\\":false,\\\"linkc_name\\\":\\\"\\\",\\\"linkc\\\":false,\\\"linkd_name\\\":\\\"\\\",\\\"linkd\\\":false,\\\"linke_name\\\":\\\"\\\",\\\"linke\\\":false,\\\"contact_layout\\\":\\\"\\\",\\\"show_email_form\\\":\\\"\\\",\\\"show_email_copy\\\":\\\"\\\",\\\"banned_email\\\":\\\"\\\",\\\"banned_subject\\\":\\\"\\\",\\\"banned_text\\\":\\\"\\\",\\\"validate_session\\\":\\\"\\\",\\\"custom_reply\\\":\\\"\\\",\\\"redirect\\\":\\\"\\\"}\",\"user_id\":0,\"catid\":\"21\",\"access\":\"1\",\"mobile\":\"\",\"webpage\":\"http:\\/\\/www.nwpg.gov.za\",\"sortname1\":\"\",\"sortname2\":\"\",\"sortname3\":\"\",\"language\":\"*\",\"created\":\"2019-04-02 10:38:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-28 14:56:10\",\"modified_by\":\"915\",\"metakey\":\"\",\"metadesc\":\"\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"rights\\\":\\\"\\\"}\",\"featured\":\"0\",\"xreference\":\"\",\"publish_up\":\"0000-00-00 00:00:00\",\"publish_down\":\"0000-00-00 00:00:00\",\"version\":2,\"hits\":\"0\"}',0),(772,93,1,'','2021-01-28 15:03:35',915,3338,'79fc45c2f556e578ec39060edcbea68fe2f9ae52','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>127 - 15th Road (Head office)<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a> \\/ <a href=\\\"mailto:workshops@ncr.porg.za\\\">workshops@ncr.porg.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-28 15:03:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-28 15:02:33\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":25,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"70\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(773,93,1,'','2021-01-29 11:17:00',915,3387,'87e03b9fb323ed3c2c6978ae7a8da38cc4816744','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>127 - 15th Road (Head office)<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.porg.za\\\">workshops@ncr.porg.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-29 11:17:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-29 11:15:57\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":26,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"71\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(774,93,1,'','2021-01-29 12:48:00',915,3385,'4aeb86fa2292a262791ed2524653357456179608','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>127 - 15th Road (Head office)<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-01-29 12:48:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-01-29 12:47:42\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":27,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"74\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(775,93,1,'','2021-02-03 08:14:47',915,3407,'dbdf3b4990d9327f3fbfcc49235cc751ca592608','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>127 - 15th Road (Head office)<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<!--<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>-->\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-03 08:14:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-03 08:07:20\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":28,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"77\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(776,93,1,'','2021-02-03 08:56:00',915,3393,'d7c5ae3615b845d1cf5634d4525493ba1c8e5681','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>127 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<!--<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>-->\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-03 08:56:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-03 08:55:51\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":30,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"79\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(777,93,1,'','2021-02-03 10:44:46',915,3389,'5add3eb5c536f0e636156cf192fed86cc676de56','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>127 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<!--<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>--><\\/td>\\r\\n<td>\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-03 10:44:46\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-03 10:43:46\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":31,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"82\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(778,93,1,'','2021-02-03 10:48:53',915,3404,'12e544f0be30e78148e89ab7c1a3f79c2edc3d53','{\"id\":93,\"asset_id\":\"231\",\"title\":\"NCR contact\",\"alias\":\"ncr-contact\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Physical Address:<\\/td>\\r\\n<td>Contact information<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>127 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/> 1683<\\/p>\\r\\n<p><strong>Operating hours:<\\/strong><\\/p>\\r\\n<p><strong>Monday to Thursday:<\\/strong> 08h00 to 17h00<\\/p>\\r\\n<p><strong>Friday:<\\/strong>\\u00a008h00 to 16h30<\\/p>\\r\\n<p><strong>NCR Reception:<\\/strong> 011 554 2700<\\/p>\\r\\n<p><strong>NCR Call Centre:<\\/strong> 0860 627 627<\\/p>\\r\\n<!--<p>232 - 15th Road<br \\/> Randjespark<br \\/> Midrand<br \\/>1683<\\/p>\\r\\n<p>Departments at 127 - 15th Road (Head office)<\\/p>\\r\\n<ul>\\r\\n<li>Credit Bureau Compliance<\\/li>\\r\\n<li>Credit Provider Compliance<\\/li>\\r\\n<li>Debt Counselling<\\/li>\\r\\n<li>Debt Intervention<\\/li>\\r\\n<li>Education and Communication<\\/li>\\r\\n<li>Statistics and Research<\\/li>\\r\\n<\\/ul>\\r\\n<p>Departments at 232 - 15th Road(Call Centre, Complaints and Registrations)<\\/p>--><\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Educational workshops:<\\/strong> <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Complaints:<\\/strong> <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/p>\\r\\n<p>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/p>\\r\\n<p>To lodge a complaint\\u00a0<a href=\\\"documents\\/form_29.pdf\\\">click here<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2020-09-14 11:16:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-03 10:48:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-03 10:44:46\",\"publish_up\":\"2020-09-14 11:16:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":32,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"83\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(779,107,1,'','2021-02-09 10:46:50',915,5437,'dda1c89dff4747be509e5b2233b55e82ea5f240d','{\"id\":107,\"asset_id\":258,\"title\":\"Avoid spending what you do not have on Black Friday!\",\"alias\":\"avoid-spending-what-you-do-not-have-on-black-friday\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2020<\\/strong><\\/p>\\r\\n<p>It is beyond doubt that this year has been exceptionally difficult for everyone in many ways. The Covid-19 pandemic which resulted in loss of income, retrenchments and salary reductions for some consumers, added extra financial pressure on the already-financially \\u2013stressed households and\\/or individuals. The effect of the aforementioned factors is that consumers are likely to find themselves battling to meet their current financial obligations, says Anne-Carien Du Plooy, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>Some consumers are looking forward to the upcoming Black Friday deals and bargains. Certain retailers have already announced that this year\\u2019s \\u201cBlack Friday\\u201d deals will start earlier, says Du Plooy. In these difficult economic times, consumers are cautioned to avoid partaking in this year\\u2019s Black Friday if they did not properly plan or budget for it. They should rather save their money for emergencies. Consumers are further advised not to use credit for Black Friday as using credit does not amount to saving. Instead, consumers will end up paying more due to the addition of interest and other fees such as monthly service fees, once- off initiation fees, credit life insurance etc, adds Du Plooy.<\\/p>\\r\\n<p>Du Plooy cautions that failure to pay back credit will have negative and adverse consequences for consumers such as being adversely listed at the credit bureaus and or having legal action being taken against them by credit providers to recover their monies.<\\/p>\\r\\n<p>Although Black Friday may be beneficial for some consumers, it may also create financial strain to those who participate without a proper budget and planning. A budget is a crucial tool which assists consumers to know whether they can afford certain deals or not.<\\/p>\\r\\n<p><strong>Helpful tips for consumers for Black Friday:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Set a realistic budget of what you can afford to spend and stick to it;<\\/li>\\r\\n<li>Plan and draw up a list of what you need;<\\/li>\\r\\n<li>Check the items and prices before Black Friday to do a comparison on the prices and to ensure that you are getting a better deal;<\\/li>\\r\\n<li>Avoid buying food on credit;<\\/li>\\r\\n<li>Avoid using unregistered credit providers to get quick loans as you will pay dearly for those;<\\/li>\\r\\n<li>Remember, cash is king!<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact: <\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Or<br \\/> Ntombizodwa Mahlangu<br \\/> Cell: 064\\u00a0752 3926<br \\/> E-mail: <a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-02-09 10:46:50\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-09 10:46:50\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-02-09 10:46:50\",\"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),(780,107,1,'','2021-02-09 10:47:18',915,5456,'41e74cd63da12969a2748fa1966a78835b8bacdd','{\"id\":107,\"asset_id\":\"258\",\"title\":\"Avoid spending what you do not have on Black Friday!\",\"alias\":\"avoid-spending-what-you-do-not-have-on-black-friday\",\"introtext\":\"<p align=\\\"right\\\"><strong>November 2020<\\/strong><\\/p>\\r\\n<p>It is beyond doubt that this year has been exceptionally difficult for everyone in many ways. The Covid-19 pandemic which resulted in loss of income, retrenchments and salary reductions for some consumers, added extra financial pressure on the already-financially \\u2013stressed households and\\/or individuals. The effect of the aforementioned factors is that consumers are likely to find themselves battling to meet their current financial obligations, says Anne-Carien Du Plooy, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>Some consumers are looking forward to the upcoming Black Friday deals and bargains. Certain retailers have already announced that this year\\u2019s \\u201cBlack Friday\\u201d deals will start earlier, says Du Plooy. In these difficult economic times, consumers are cautioned to avoid partaking in this year\\u2019s Black Friday if they did not properly plan or budget for it. They should rather save their money for emergencies. Consumers are further advised not to use credit for Black Friday as using credit does not amount to saving. Instead, consumers will end up paying more due to the addition of interest and other fees such as monthly service fees, once- off initiation fees, credit life insurance etc, adds Du Plooy.<\\/p>\\r\\n<p>Du Plooy cautions that failure to pay back credit will have negative and adverse consequences for consumers such as being adversely listed at the credit bureaus and or having legal action being taken against them by credit providers to recover their monies.<\\/p>\\r\\n<p>Although Black Friday may be beneficial for some consumers, it may also create financial strain to those who participate without a proper budget and planning. A budget is a crucial tool which assists consumers to know whether they can afford certain deals or not.<\\/p>\\r\\n<p><strong>Helpful tips for consumers for Black Friday:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Set a realistic budget of what you can afford to spend and stick to it;<\\/li>\\r\\n<li>Plan and draw up a list of what you need;<\\/li>\\r\\n<li>Check the items and prices before Black Friday to do a comparison on the prices and to ensure that you are getting a better deal;<\\/li>\\r\\n<li>Avoid buying food on credit;<\\/li>\\r\\n<li>Avoid using unregistered credit providers to get quick loans as you will pay dearly for those;<\\/li>\\r\\n<li>Remember, cash is king!<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact: <\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Or<br \\/> Ntombizodwa Mahlangu<br \\/> Cell: 064\\u00a0752 3926<br \\/> E-mail: <a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-11-12 10:46:50\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-09 10:47:18\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-09 10:46:50\",\"publish_up\":\"2020-11-12 10:46:50\",\"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),(781,108,1,'','2021-02-09 10:53:07',915,6241,'2dd8ebd0e5675bed45075ee48dce4f12f00ab159','{\"id\":108,\"asset_id\":259,\"title\":\"2020 has been difficult for many, spend wisely for a better New Year\",\"alias\":\"2020-has-been-difficult-for-many-spend-wisely-for-a-better-new-year\",\"introtext\":\"<p align=\\\"right\\\"><strong>December 2020<\\/strong><\\/p>\\r\\n<p>Do not allow impulsive and spontaneous spending during the festive season make your January an excruciating one, says Anne-Carien Du Plooy, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR). \\u201cIf you enter January unprepared, the month will seem longer compared to other months\\u201d. \\u201cAvoid excessive spending with an aim of impressing friends, family or even strangers\\u201d, she cautions.<\\/p>\\r\\n<p>Many will receive their December salaries mid-month as opposed to the end of the month as is usually the norm. This does not mean that you should spend all of it before the end of December. Bear in mind that the very same salary should cater for debit orders at the end of December and also for all January\\u2019s expenses such as rent, food, electricity, transport and additional expenses such as school fees, school uniforms, registration fees, stationery etc. advises Du Plooy.<\\/p>\\r\\n<p>Many consumers who spend without a proper budget during the festive season end up applying for credit in order to get through January. When their applications for credit are declined by registered credit providers due to affordability, they opt for unregistered credit providers such as Mashonisas, Skoppersetc<em>. <\\/em>Unregistered credit providers charge consumers exorbitant interest and uses unlawful tactics such as retention of cards and PINs to collect their monies. Du Plooy urges consumers to report such conduct by unregistered credit providers to the National Credit Regulator on 0860 627\\u00a0727 \\/ <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a>.<\\/p>\\r\\n<p>The COVID-19 pandemic has caused financial strain to many consumers, which calls for consumers to save more and spend less. She advises consumers battling to repay their debts to seek assistance by contacting their credit providers for assistance. If this fails, they should contact registered debt counsellors for assistance. Du Plooy, however, cautions consumers to be wary of debt counsellors who use misleading marketing and advertising practices, particularly on social media platforms such as Facebook to lure consumers into their businesses. \\u201cThese advertisements are misleading in nature as they misrepresent the spirit and the objectives of the National Credit Act regarding the provisions of debt counselling as a debt relief measure.\\u201d An example of these advertisements is \\u201cNCR DC is giving South Africans \\u201cExtra Cash\\u201d to enjoy by reducing debt interest and protection from repossession of assets. Free assessment sms \\u201cYES\\u201d.\\u201d<\\/p>\\r\\n<p>Du Plooy gives the following tips to consumers during these difficult times:<\\/p>\\r\\n<ul>\\r\\n<li>If you have credit life insurance, submit a claim in the event of loss of income, retrenchment, disability or death;<\\/li>\\r\\n<li>If you get a bonus, count yourself lucky and use it wisely to repay debt and save as you do not know what the future holds;<\\/li>\\r\\n<li>Do not be tempted by \\u201cSales \\/ Specials\\u201d in the shops, stick to your budget;<\\/li>\\r\\n<li>Always remember that budgeting is crucial, do one and spend wisely!<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact: <\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Or<br \\/> Ntombizodwa Mahlangu<br \\/> Cell: 064\\u00a0752 3926<br \\/> E-mail: <a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a><br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-12-08 12:52:59\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-09 10:53:07\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-12-08 12:52:52\",\"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),(783,109,1,'','2021-02-10 08:25:54',915,7673,'9f99e74232b26cfac05d5c44bec344b92dd1f7d6','{\"id\":109,\"asset_id\":260,\"title\":\"Start the 2021 on a good note, spend wisely borrow wisely!\",\"alias\":\"start-the-2021-on-a-good-note-spend-wisely-borrow-wisely\",\"introtext\":\"<p align=\\\"right\\\"><strong>January 2020<\\/strong><\\/p>\\r\\n<p>It is that time of the year where some consumers will feel like Januworry is three months long because of their financial situation. Unfortunately, some consumers are currently finding it difficult to meet their financial obligations such as school fees, school uniform, transport, rent, etc. Consumers who might need to borrow money or take out credit should read and understand their credit agreements before signing, says Ms. Anne-Carien Du Plooy, Acting Manager: Education and Communication at the National Credit Regulator (NCR). According to the National Credit Act, consumers have a right to receive information in a plain and understandable language and to receive reasons from the credit provider if their application is declined.<\\/p>\\r\\n<p>If all registered credit providers decline your application, it means that there is a problem prompting a need to work on your finances as your financial woes might be bigger than you realise. This is the time to seek assistance by negotiating for lower instalments with your current credit providers, paying off and closing some accounts. This might be possible if you downgrade your lifestyle, especially during a time when you are battling financially. Visit your budget to check what you can eliminate and that which you can downgrade.<\\/p>\\r\\n<p>Du Plooy says that consumers should avoid unregistered credit providers such as (Mashonisas \\/ Skoppers) to access credit as they will pay dearly at the end. Unregistered credit providers charge exorbitant interest rates and use other illegal collection mechanisms such as card retention. <br \\/> Consumers should not agree to pay an \\u201cupfront fee\\u201d, warns Du Plooy. This is a fee charged mostly by unregistered or even fake credit providers before they give the consumer the money they are applying for. This fee has many names such as attorney\\u2019s fees, release fee, admin fee etc. In terms of the National Credit Act, it is illegal for a credit provider to make a consumer pay them upfront. Consumers should not confuse this with a deposit as there is no deposit when taking out a loan. The bottom line though, is that the prospective credit provider will never give you the money you are requesting, they will suck you dry before they vanish. Know your rights and spare your money, says Du Plooy.<\\/p>\\r\\n<p>Remember the festive season has come and gone and you are still here, so make the best of this year by spending and borrowing wisely. Save for the future as there is no better time like now, adds Du Plooy.<\\/p>\\r\\n<p>Tips for consumers:<\\/p>\\r\\n<ul>\\r\\n<li><strong>Understand the cost of credit<\\/strong>. The cost of credit includes interest rate, once off initiation fees, monthly service fees, credit life insurance, etc. To understand the cost of credit, consumers should be given a pre-agreement statement and quotation (valid for 5 business days). These should disclose all the costs involved in the credit agreement that a consumer signs.<\\/li>\\r\\n<li><strong>Do not sign a blank credit agreement\\/document - <\\/strong>read the content first, understand and ask relevant questions. You may sign ONLY when satisfied.<\\/li>\\r\\n<li><strong>Be honest and truthful when applying. <\\/strong>If you are dishonest about your monthly expenses when applying, you will lose the protection offered in the National Credit Act if you need to raise reckless lending in the future.<\\/li>\\r\\n<li><strong>Borrow only when it is absolutely necessary to do so<\\/strong> and avoid using credit for consumables such as groceries.<\\/li>\\r\\n<li><strong>Understand credit life insurance - <\\/strong>Familiarise yourself with the terms and conditions of the credit life insurance to avoid surprises when you mostly need the cover from the insurance. Credit life insurance can be a life saver when you cannot repay the debt for reasons such as loss of income, unemployment, disability etc.<\\/li>\\r\\n<li><strong>Pay your debts on time -<\\/strong> Paying late or not paying the full instalment will adversely\\/negatively affect your credit report and in turn your ability to qualify for credit in the future. If you think you cannot meet your monthly instalments, contact your credit providers immediately and try to re-arrange payments. Do not wait until you skip payments.<\\/li>\\r\\n<li><strong>Check your credit report often-<\\/strong> You are entitled to a free credit report once a year.<\\/li>\\r\\n<li><strong>Contact the NCR for a free educational workshop <\\/strong>\\u2013 The NCR conducts workshops for consumers around the country at no cost.<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/> Ntombizodwa Mahlangu<br \\/> 064\\u00a0752 3926<br \\/> E-mail: <a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a> <br \\/> Call centre: 0860 627 627<br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-02-10 08:25:54\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-10 08:25:54\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-02-10 08:25:54\",\"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),(784,109,1,'','2021-02-10 08:27:18',915,7692,'02628b161cdb663131a1e84c34e1c696a8e524e7','{\"id\":109,\"asset_id\":\"260\",\"title\":\"Start the 2021 on a good note, spend wisely borrow wisely!\",\"alias\":\"start-the-2021-on-a-good-note-spend-wisely-borrow-wisely\",\"introtext\":\"<p align=\\\"right\\\"><strong>January 2020<\\/strong><\\/p>\\r\\n<p>It is that time of the year where some consumers will feel like Januworry is three months long because of their financial situation. Unfortunately, some consumers are currently finding it difficult to meet their financial obligations such as school fees, school uniform, transport, rent, etc. Consumers who might need to borrow money or take out credit should read and understand their credit agreements before signing, says Ms. Anne-Carien Du Plooy, Acting Manager: Education and Communication at the National Credit Regulator (NCR). According to the National Credit Act, consumers have a right to receive information in a plain and understandable language and to receive reasons from the credit provider if their application is declined.<\\/p>\\r\\n<p>If all registered credit providers decline your application, it means that there is a problem prompting a need to work on your finances as your financial woes might be bigger than you realise. This is the time to seek assistance by negotiating for lower instalments with your current credit providers, paying off and closing some accounts. This might be possible if you downgrade your lifestyle, especially during a time when you are battling financially. Visit your budget to check what you can eliminate and that which you can downgrade.<\\/p>\\r\\n<p>Du Plooy says that consumers should avoid unregistered credit providers such as (Mashonisas \\/ Skoppers) to access credit as they will pay dearly at the end. Unregistered credit providers charge exorbitant interest rates and use other illegal collection mechanisms such as card retention. <br \\/> Consumers should not agree to pay an \\u201cupfront fee\\u201d, warns Du Plooy. This is a fee charged mostly by unregistered or even fake credit providers before they give the consumer the money they are applying for. This fee has many names such as attorney\\u2019s fees, release fee, admin fee etc. In terms of the National Credit Act, it is illegal for a credit provider to make a consumer pay them upfront. Consumers should not confuse this with a deposit as there is no deposit when taking out a loan. The bottom line though, is that the prospective credit provider will never give you the money you are requesting, they will suck you dry before they vanish. Know your rights and spare your money, says Du Plooy.<\\/p>\\r\\n<p>Remember the festive season has come and gone and you are still here, so make the best of this year by spending and borrowing wisely. Save for the future as there is no better time like now, adds Du Plooy.<\\/p>\\r\\n<p>Tips for consumers:<\\/p>\\r\\n<ul>\\r\\n<li><strong>Understand the cost of credit<\\/strong>. The cost of credit includes interest rate, once off initiation fees, monthly service fees, credit life insurance, etc. To understand the cost of credit, consumers should be given a pre-agreement statement and quotation (valid for 5 business days). These should disclose all the costs involved in the credit agreement that a consumer signs.<\\/li>\\r\\n<li><strong>Do not sign a blank credit agreement\\/document - <\\/strong>read the content first, understand and ask relevant questions. You may sign ONLY when satisfied.<\\/li>\\r\\n<li><strong>Be honest and truthful when applying. <\\/strong>If you are dishonest about your monthly expenses when applying, you will lose the protection offered in the National Credit Act if you need to raise reckless lending in the future.<\\/li>\\r\\n<li><strong>Borrow only when it is absolutely necessary to do so<\\/strong> and avoid using credit for consumables such as groceries.<\\/li>\\r\\n<li><strong>Understand credit life insurance - <\\/strong>Familiarise yourself with the terms and conditions of the credit life insurance to avoid surprises when you mostly need the cover from the insurance. Credit life insurance can be a life saver when you cannot repay the debt for reasons such as loss of income, unemployment, disability etc.<\\/li>\\r\\n<li><strong>Pay your debts on time -<\\/strong> Paying late or not paying the full instalment will adversely\\/negatively affect your credit report and in turn your ability to qualify for credit in the future. If you think you cannot meet your monthly instalments, contact your credit providers immediately and try to re-arrange payments. Do not wait until you skip payments.<\\/li>\\r\\n<li><strong>Check your credit report often-<\\/strong> You are entitled to a free credit report once a year.<\\/li>\\r\\n<li><strong>Contact the NCR for a free educational workshop <\\/strong>\\u2013 The NCR conducts workshops for consumers around the country at no cost.<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/> Ntombizodwa Mahlangu<br \\/> 064\\u00a0752 3926<br \\/> E-mail: <a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a> <br \\/> Call centre: 0860 627 627<br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-01-12 08:25:54\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-10 08:27:18\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-10 08:26:36\",\"publish_up\":\"2021-01-12 08:25:54\",\"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\":\"2\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(787,110,1,'','2021-02-10 09:11:02',915,4370,'7aa2effed3c2f140d5e155733ab8182ecc985dfc','{\"id\":110,\"asset_id\":261,\"title\":\"Industry Communique for issuing 1 Febr 2021\",\"alias\":\"industry-communique-for-issuing-1-febr-2021\",\"introtext\":\"<p><strong>Dear Industry Stakeholder<\\/strong><\\/p>\\r\\n<p>In terms of Section 14 of the National Credit Act, 2005 (NCA), the National Credit Regulator (NCR) is responsible for regulating the consumer credit industry in South Africa. According to Section 69 of the NCA, the Minister of Trade and Industry may require the NCR to establish and maintain, in the prescribed manner and form, a single national register of outstanding credit agreements.<\\/p>\\r\\n<p>With the promulgation of the Financial Sector Regulation Act, 2017 (FSRA) in August 2017, the South African Reserve Bank\\u2019s (SARB) mandate was expanded to include an explicit financial stability responsibility. The SARB is responsible for protecting and enhancing financial stability by monitoring the global and domestic environment for risks and vulnerabilities and mitigating them through macro-prudential policy action.\\u00a0<\\/p>\\r\\n<p>This responsibility requires the SARB to, among other things, increase its focus on credit risk by expanding its database with more granular credit data and improving credit information reporting systems.\\u00a0At the same time, more granular credit data will serve the SARB\\u2019s price stability mandate\\u00a0 and promote more prudent risk-management practices and enhance prudential supervision by the Prudential Authority (PA).<\\/p>\\r\\n<p>In light of this, in July 2019, Governor Lesetja Kganyago recommended to the Department of Trade, Industry and Competition (DTIC) Minister Ebrahim Patel to establish a central credit register (CCR) for South Africa. In September 2019, Minister Patel agreed and requested the NCR to cooperate with the SARB and other stakeholders to create and maintain a national register of credit agreements for South Africa, as considered in section 69 of the NCA.<\\/p>\\r\\n<p>Consequently, a CCR Steering Committee (Committee) was set up in December 2019 to drive the establishment of a CCR for South Africa. Members of the Committee include the National Credit Regulator, South African Reserve Bank, Prudential Authority, Financial Sector Conduct Authority, Financial Intelligence Centre, the National Treasury and the Department of Trade, Industry and Competition. Work has been ongoing, and it is envisaged that the financial sector industry will be engaged for discussion and consultations in the first quarter of 2021.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>More detailed communication will follow in due course.<\\/p>\\r\\n<p>For inquiries contact Lebogang\\u00a0 Selibi at <a href=\\\"mailto:ccr@ncr.org.za\\\">ccr@ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-02-10 09:11:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-10 09:11:02\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-02-10 09:11:02\",\"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),(789,81,1,'','2021-02-10 09:32:11',915,8558,'d6e410c0b291455029859f86637ce0f9a3610951','{\"id\":81,\"asset_id\":\"219\",\"title\":\"Managing debt during COVID-19 times\",\"alias\":\"managing-debt-during-covid-19-times\",\"introtext\":\"<p style=\\\"font-weight: 400; text-align: right;\\\"><strong>July 2020<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">As South Africa is battling with the rapid spread of CODIV-19 and how to stimulate economic activities, many consumers are in financial distress and struggling to repay debts as a result of reduced and complete loss of income. The National Credit Act (NCA) offers various debt relief measures for financially embattled consumers struggling to repay debts and consumers are encouraged to consider these measures where applicable, advises Adv. Kedilatile Legodi, Acting Manager: Education and Communication at the National Credit Regulator (NCR).\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>Below are the various NCA debt relief measures to consider:<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>Credit Life Insurance<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">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 who would like to use this relief measure but battling to get assistance from their credit providers can send a complaint to the National Credit Regulator. However, it is important for consumers to remember that in order to benefit from credit life insurance, all payments regarding the credit life insurance policy must be up to date.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u00a0<strong>Debt Counselling \\/ Review<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">Debt counselling is a debt relief measure intended to assist over-indebted consumers struggling with debt, through budget advice, negotiation with credit providers for reduced payments, extension of repayment term and restructuring of debt. Debt counselling also offers consumers protection against repossession or legal action by credit providers. Consumers who have been negatively impacted by the effects of the COVID-19 pandemic resulting in reduced income are encouraged to consider this debt relief measure since an income is required to apply for debt counselling. However, before signing up for debt counselling, consumers must ensure that the process is understood in detail and the implications thereof. Debt counselling is offered by the NCR registered debt counsellors who operate nationwide. A list of registered debt counsellors can be found on the NCR website\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>\\u00a0or by contacting the NCR on 0860 627\\u00a0627.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>Surrender of goods<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">The NCA allows consumers to voluntarily surrender \\/ return goods to credit providers when they can no longer afford to maintain the repayments or can foresee that they will not be able to maintain future payments. In terms of section 127 of the NCA,\\u00a0credit agreements under which goods can be surrendered are instalment agreements, secured loans or leases.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">Legodi says that there is a process to be followed, which consumers are encouraged to understand before they give notice to a credit provider to return the goods. The credit provider is required to provide the consumer with a letter setting out the estimated value of the goods, ten (10) business days after the consumer gave notice to surrender or return the goods, whichever is the latest. The consumer may withdraw the notice to surrender within 10 business days after receiving the estimated value letter, if the account is not in arrears. The credit provider will sell the returned goods in an attempt to settle the debt. However, there is no guarantee that the credit provider will sell the goods for what the consumer still owes. If the proceeds from the sale are insufficient to settle the outstanding debt, the consumer will be liable to pay the shortfall after the sale. Consumers are also encouraged to privately sell goods that they can no longer afford to repay in an attempt to obtain the best possible price, advises Legodi.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">For consumers with a need to borrow or loan money, they should do so having considered their ability to repay the debt and only use NCR registered credit providers. Consumers should never enter into any agreement with unregistered credit providers who usually retain bank cards, SASSA cards, identity documents etc. as security and a collection method. The retention of cards or identity documents is prohibited and a criminal offence in terms of the NCA. Consumers are urged to report credit providers who retain these instruments to the South African Police Service and the NCR, concludes Legodi.<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\"><strong>Ends<\\/strong><strong>\\u00a0<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u00a0<strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">The National Credit Regulator (NCR) was established in terms of 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=\\\"font-weight: 400; text-align: center;\\\"><strong>For more information contact:<\\/strong>\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Ntombizodwa Mahlangu<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">E-mail:\\u00a0<a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Cell: 064\\u00a0752 3926<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Media Office:\\u00a0<a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-07-16 09:53:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-10 09:32:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-10 09:32:07\",\"publish_up\":\"2020-07-16 09:53:06\",\"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\":\"9\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"21\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(790,42,1,'','2021-02-12 14:36:07',915,8851,'8822664e82baca9355c5ecc5d6d5a0fa91711e71','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>INSTITUTION NAME<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Email Address<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Contact Number<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p>UNIVERSITY OF PRETORIA ENTERPRISE<\\/p>\\r\\n<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p>012 434 2500\\/5235<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p>RESONANCE INSTITUTE OF LEARNING<\\/p>\\r\\n<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\" width=\\\"514\\\">\\r\\n<p>011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>COMPUSCAN\\/EXPERIAN<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:Cindee.Groenewald@experian.com\\\">Cindee.Groenewald@experian.com<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>021\\u00a0888 6000 \\/ Ext 6048\\/082 441 0941<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>RUDO CONSULTING<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p>012 663 3251\\/082 871 5586 , 076 156 8366<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/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) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\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\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-12 14:36:07\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-12 14:33:58\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":15,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"70\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(791,42,1,'','2021-02-12 14:36:59',915,8865,'73bbfc20799951a1a5ed72e2cc51cb892fea2b6c','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"500\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\r\\n<p><strong>INSTITUTION NAME<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Email Address<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><strong>Contact Number<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p>UNIVERSITY OF PRETORIA ENTERPRISE<\\/p>\\r\\n<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p>012 434 2500\\/5235<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p>RESONANCE INSTITUTE OF LEARNING<\\/p>\\r\\n<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\" width=\\\"514\\\">\\r\\n<p>011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>COMPUSCAN\\/EXPERIAN<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:Cindee.Groenewald@experian.com\\\">Cindee.Groenewald@experian.com<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>021\\u00a0888 6000 \\/ Ext 6048\\/082 441 0941<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>RUDO CONSULTING<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">\\r\\n<p>012 663 3251\\/082 871 5586 , 076 156 8366<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/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) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\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\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-12 14:36:59\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-12 14:36:07\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":16,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"71\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(792,42,1,'','2021-02-12 14:39:28',915,8593,'9ce9016e5538fb8fb431aa180c0d08457f336e63','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Institution name<\\/strong><\\/td>\\r\\n<td><strong>Email Address<\\/strong><\\/td>\\r\\n<td><strong>Contact Number<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">University of pretoria enterprise<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">Resonance institute of learning<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\" width=\\\"514\\\">011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Compuscan\\/Experian<\\/td>\\r\\n<td><a href=\\\"mailto:Cindee.Groenewald@experian.com\\\">Cindee.Groenewald@experian.com<\\/a><\\/td>\\r\\n<td>021\\u00a0888 6000 \\/ Ext 6048\\/082 441 0941<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Rudo consulting<\\/td>\\r\\n<td><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/td>\\r\\n<td>012 663 3251\\/082 871 5586 , 076 156 8366<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/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) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\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\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-12 14:39:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-12 14:36:59\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":17,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"72\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(793,42,1,'','2021-02-12 14:39:56',915,8607,'a98d019286be75b04590775d95f9b8cc2a78a0ba','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"450\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Institution name<\\/strong><\\/td>\\r\\n<td><strong>Email Address<\\/strong><\\/td>\\r\\n<td><strong>Contact Number<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">University of pretoria enterprise<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">Resonance institute of learning<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\" width=\\\"514\\\">011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Compuscan\\/Experian<\\/td>\\r\\n<td><a href=\\\"mailto:Cindee.Groenewald@experian.com\\\">Cindee.Groenewald@experian.com<\\/a><\\/td>\\r\\n<td>021\\u00a0888 6000 \\/ Ext 6048\\/082 441 0941<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Rudo consulting<\\/td>\\r\\n<td><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/td>\\r\\n<td>012 663 3251\\/082 871 5586 , 076 156 8366<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/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) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\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\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-12 14:39:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-12 14:39:28\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":18,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"73\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(794,42,1,'','2021-02-12 14:40:47',915,8607,'b3a1938676047fad7d2591d03e635c4d16f446ce','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"350\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Institution name<\\/strong><\\/td>\\r\\n<td><strong>Email Address<\\/strong><\\/td>\\r\\n<td><strong>Contact Number<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">University of pretoria enterprise<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">Resonance institute of learning<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\" width=\\\"514\\\">011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Compuscan\\/Experian<\\/td>\\r\\n<td><a href=\\\"mailto:Cindee.Groenewald@experian.com\\\">Cindee.Groenewald@experian.com<\\/a><\\/td>\\r\\n<td>021\\u00a0888 6000 \\/ Ext 6048\\/082 441 0941<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Rudo consulting<\\/td>\\r\\n<td><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/td>\\r\\n<td>012 663 3251\\/082 871 5586 , 076 156 8366<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/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) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\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\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-12 14:40:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-12 14:39:56\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":19,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"74\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(795,42,1,'','2021-02-12 14:42:08',915,8571,'aec6dd00f27ff0ec0a54e74c8d310ec8748e13dd','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"350\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Institution name<\\/strong><\\/td>\\r\\n<td><strong>Email Address<\\/strong><\\/td>\\r\\n<td><strong>Contact Number<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">University of pretoria enterprise<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\">012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td nowrap=\\\"nowrap\\\">Resonance institute of learning<\\/td>\\r\\n<td nowrap=\\\"nowrap\\\"><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td nowrap=\\\"nowrap\\\" width=\\\"514\\\">011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Compuscan\\/Experian<\\/td>\\r\\n<td><a href=\\\"mailto:Cindee.Groenewald@experian.com\\\">Cindee.Groenewald@experian.com<\\/a><\\/td>\\r\\n<td>021\\u00a0888 6000 \\/ Ext 6048\\/082 441 0941<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Rudo consulting<\\/td>\\r\\n<td><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/td>\\r\\n<td>012 663 3251\\/082 871 5586 , 076 156 8366<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/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) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\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\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-12 14:42:08\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-12 14:40:47\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":20,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"75\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(796,42,1,'','2021-02-12 14:43:22',915,8449,'8a6ac712e68fb59a68a5186de9b4cd03d8abcd56','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"500\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Institution name<\\/strong><\\/td>\\r\\n<td><strong>Email Address<\\/strong><\\/td>\\r\\n<td><strong>Contact Number<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>University of pretoria enterprise<\\/td>\\r\\n<td><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td>012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Resonance institute of learning<\\/td>\\r\\n<td><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td>011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Compuscan\\/Experian<\\/td>\\r\\n<td><a href=\\\"mailto:Cindee.Groenewald@experian.com\\\">Cindee.Groenewald@experian.com<\\/a><\\/td>\\r\\n<td>021\\u00a0888 6000 \\/ Ext 6048\\/082 441 0941<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Rudo consulting<\\/td>\\r\\n<td><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/td>\\r\\n<td>012 663 3251\\/082 871 5586 , 076 156 8366<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/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) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\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\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-02-12 14:43:22\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-12 14:42:08\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":21,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"76\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(798,51,1,'','2021-02-26 10:23:04',915,2485,'fed797415c182411c1099bedb252549af29e1fbd','{\"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\\/ADR\\/Additional Branch Form.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for an additional branch<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/ADR\\/Annexure Confirmation of payment of fees - ADRA.docx\\\">Annexure confirmation of payment of fees <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/ADR\\/Registrant Info Update Form ADR.doc\\\">Information update form <\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/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\":\"2021-02-26 10:23:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-26 10:19:56\",\"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\":12,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"143\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(799,51,1,'','2021-02-26 10:29:14',915,2629,'fa48311ca7feb9a58bd379d0ba5742bb3cbfa092','{\"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\":\"2021-02-26 10:29:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-26 10:23:04\",\"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\":13,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"144\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(800,51,1,'','2021-02-26 10:34:16',915,2665,'c04aaf16c52adfcef09b0e2290412580e3aa8b8d','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/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\":\"2021-02-26 10:34:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-26 10:32:08\",\"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\":16,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"149\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(801,51,1,'','2021-02-26 10:38:25',915,2656,'1380d94380058455acbc677704e44b48224f3532','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/adr\\/Form 47.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\":\"2021-02-26 10:38:25\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-02-26 10:34:16\",\"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\":17,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"151\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(802,94,1,'','2021-03-01 15:03:27',915,3082,'d446f8b4b762cf511125b03f920f69832c63d833','{\"id\":94,\"asset_id\":\"234\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cb\",\"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<li>A letter from the auditor\\/accounting officer confirming that the registered activities have ceased and that all consumer credit information has been deleted from your system.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-29 11:11:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-03-01 15:03:27\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-03-01 15:03:13\",\"publish_up\":\"2020-09-29 11:11:38\",\"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\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"53\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(803,44,1,'','2021-03-01 15:10:50',915,11207,'d8aeef57499c0421f646d8d9620eca829f5a71fb','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-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 maintaining data and issuing reports concerning consumers.\\u00a0<\\/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><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\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<p>2. 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<\\/p>\\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<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>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>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( 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 .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/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\\/List of service providers for criminal clearance certificate..xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/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:\\r\\n<table 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>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/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 (group 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 agreements (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 training budget.<\\/li>\\r\\n<li>Copy of the latest external audit management letter (if applicable).<\\/li>\\r\\n<li>Copy of the latest internal audit submission to the main Audit Committee (if applicable).<\\/li>\\r\\n<li>Copy of the latest management accounts.<\\/li>\\r\\n<li>Copy of the latest audited financial statements.<\\/li>\\r\\n<li>Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<\\/li>\\r\\n<li>Copy of the procedures that deal with the following:\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<li>New customer on-boarding procedure<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>List of exception reports run on data (e.g. Duplicate ID numbers).<\\/li>\\r\\n<li>Information on current litigation against the organization.\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Process map indicating the flow of information.<\\/li>\\r\\n<li>A detail overview of the IT infrastructure, systems and IT resources.<\\/li>\\r\\n<li><strong>PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act).<\\/li>\\r\\n<li><strong>Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act).<\\/li>\\r\\n<li>Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>NB: 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\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\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\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-03-01 15:10:50\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-03-01 15:09:15\",\"publish_up\":\"2019-04-11 12:47:15\",\"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\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"145\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(804,98,1,'','2021-03-01 15:16:55',915,2909,'55dd9596dbd26273a96fb9944d9af98cc77bfc32','{\"id\":98,\"asset_id\":\"238\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-adr\",\"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 and the window decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2020-09-29 16:25:09\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-03-01 15:16:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-03-01 15:15:45\",\"publish_up\":\"2020-09-29 16:25:09\",\"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\":\"53\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(805,94,1,'','2021-03-01 15:20:40',915,3098,'cd26c4505be369c79adfaba90355820241be70db','{\"id\":94,\"asset_id\":\"234\",\"title\":\"Voluntary cancellation of registration\",\"alias\":\"voluntary-cancellation-of-registration-cb\",\"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 and the window decal issued to the registrant by the National Credit Regulator.<\\/li>\\r\\n<li>A letter from the auditor\\/accounting officer confirming that the registered activities have ceased and that all consumer credit information has been deleted from your system.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-29 11:11:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-03-01 15:20:40\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-03-01 15:20:22\",\"publish_up\":\"2020-09-29 11:11:38\",\"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\":\"55\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(852,111,1,'','2021-04-16 13:23:48',915,5607,'390f316a834355f1d26f4bf1f2abff2b8a9ed926','{\"id\":111,\"asset_id\":263,\"title\":\"The NCR and the Credit Ombud rowing together in the same boat.\",\"alias\":\"the-ncr-and-the-credit-ombud-rowing-together-in-the-same-boat\",\"introtext\":\"<p>The National Credit Regulator (NCR) and the Credit Ombud have signed a Memorandum of Understanding (MoU) facilitating co-operation and collaboration in achieving the objectives of the National Credit Act 34 of 2005 (the Act) and specifically the resolution and investigation of disputes between non-bank credit providers, credit bureaux and consumers.<\\/p>\\r\\n<p>The NCR is responsible for regulating credit providers and is tasked with carrying out education, research, proposing policies to the Minister, registration of industry participants, investigation of disputes and ensuring the enforcement of the NCA 34 of 2005. The Credit Ombud is a voluntary, non-statutory body; afforded recognition under Section 11 of the Financial Services Ombud Scheme Act, 2004 and is an Ombud with jurisdiction in terms of the NCA; which engages in the resolution of disputes arising within the non-bank credit industry and consumers.<\\/p>\\r\\n<p>Working together is pivotal to building and maintaining the spirit and objective of the NCA.<\\/p>\\r\\n<hr \\/>\\r\\n<p>Section 139 of the NCA provides that the NCR may, upon acceptance of a dispute, refer such dispute to an Ombud with jurisdiction for the purpose of assisting the credit provider and consumer to resolve the dispute. The NCR agreed that all disputes against members of the Credit Ombud will be referred to the Credit Ombud for resolution. The Credit Ombud resolves disputes between consumers and credit providers relating to credit agreements and credit information, this covers all disputes of clothing and furniture retail accounts, micro lenders, and other non-bank loans.<\\/p>\\r\\n<p>The MoU will see the NCR and Credit Ombud work together on several areas of co-operation. The main elements include the following<\\/p>\\r\\n<ul>\\r\\n<li>As an alternative to disputes being investigated by the NCR against subscribing members of the Credit Ombud, the NCR shall refer non-bank credit agreement and credit information matters to the Credit Ombud;<\\/li>\\r\\n<li>Quarterly reporting to the NCR by the Credit Ombud regarding the resolution of disputes referred by the NCR;<\\/li>\\r\\n<li>Capacity building and training programmes;<\\/li>\\r\\n<li>Outreach initiatives and credit industry awareness and education;<\\/li>\\r\\n<li>Research and information sharing.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The services offered by the Credit Ombud is FREE to consumers wanting to resolve their disputes arising from within the non-bank credit industry. Consumers are not bound by the ruling or decision of the Credit Ombud and may refer a matter to the NCR.<\\/p>\\r\\n<p>Working together is pivotal to building and maintaining the spirit and objective of the NCA.<\\/p>\\r\\n<hr \\/>\\r\\n<p align=\\\"center\\\"><strong>NCR Contact details:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>Call Centre:<\\/strong> 0860 627 627<br \\/> <strong>Reception:<\\/strong> 011 554 2700<br \\/> <strong>Email:<\\/strong> <a href=\\\"mailto:info@ncr.org.za\\\"> info@ncr.org.za<\\/a> \\/ <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> \\/ <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a><br \\/> <strong>Website:<\\/strong> <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\"><strong>Credit Ombud Contact details:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>Call center:<\\/strong> 0861 662 837<br \\/> <strong>Reception:<\\/strong> 011 781 6431<br \\/> <strong>SMS:<\\/strong> \\u2018Help\\u2019 to 44786<br \\/> <strong>Email:<\\/strong> <a href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a><br \\/><strong>Twitter:<\\/strong> @creditombud<br \\/> <strong>Facebook:<\\/strong> @creditombud <br \\/><strong>Website<\\/strong>: <a href=\\\"http:\\/\\/www.creditombud.org.za\\\">www.creditombud.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-04-16 13:23:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-04-16 13:23:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-04-16 13:23:48\",\"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\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(853,50,1,'','2021-04-16 14:11:41',915,2754,'183193a3638cb110bb254055bb880ced045b88e4','{\"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.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\\/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\":\"2021-04-16 14:11:41\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-16 14:10:48\",\"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\":15,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"391\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(855,27,1,'','2021-04-20 15:54:16',915,5646,'0a6301a9132c1bdbf725eccf8e2ff154ce890c10','{\"id\":27,\"asset_id\":\"131\",\"title\":\"Annual Report\",\"alias\":\"annual-report\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"650\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>\\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\":\"2021-04-20 15:54:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-20 15:53:42\",\"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\":19,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1598\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(856,40,1,'','2021-04-29 13:55:03',915,9733,'9b10ac04c36e2425f61105ee0d8bb2acbe7e05da','{\"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\\/FINGERPRINTS LIST APRIL 2021.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\":\"2021-04-29 13:55:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-29 13:53:04\",\"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\":13,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"486\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(857,44,1,'','2021-04-29 13:58:21',915,11174,'d410553a6cd46f53080e773d8c083525f887d785','{\"id\":44,\"asset_id\":\"156\",\"title\":\"Registration as a Credit Bureau\",\"alias\":\"registration-as-a-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 maintaining data and issuing reports concerning consumers.\\u00a0<\\/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><br \\/> 1. The National Credit Regulator will not register a person as a credit bureau unless that person -<\\/p>\\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<p>2. 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<\\/p>\\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<p>3. A natural person may not be registered as a credit bureau.<\\/p>\\r\\n<p><strong>REGISTRATION PROCESS<\\/strong><\\/p>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Bureau in terms of Section 43 of the <\\/strong><strong>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>Brief description of the organization\\u2019s business model.<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( 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 .<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Resolution- Credit Bureau.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> of applicant (see attached specimen).<\\/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\\/FINGERPRINTS LIST APRIL 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/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:\\r\\n<table 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>Credit Bureaux<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"709\\\">\\r\\n<p>R11 000, plus R5 per 1000 consumer credit enquiries. But not to exceed R210\\u00a0000.<br \\/> <strong><em>The consumer credit enquiries is the number of consumer credit enquiries for the past 12 months period up to the end of the last month prior to the date of application for registration as certified by the CEO of the applicant<\\/em><\\/strong><\\/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 (group 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 agreements (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 training budget.<\\/li>\\r\\n<li>Copy of the latest external audit management letter (if applicable).<\\/li>\\r\\n<li>Copy of the latest internal audit submission to the main Audit Committee (if applicable).<\\/li>\\r\\n<li>Copy of the latest management accounts.<\\/li>\\r\\n<li>Copy of the latest audited financial statements.<\\/li>\\r\\n<li>Copy of any due Diligence\\/Limited assurance report by external parties that was issued in the past 12 months (if applicable).<\\/li>\\r\\n<li>Copy of the procedures that deal with the following:\\r\\n<ul>\\r\\n<li>Acceptance of filing of consumer credit information;<\\/li>\\r\\n<li>Accuracy of consumer credit information;<\\/li>\\r\\n<li>Retention of consumer credit information;<\\/li>\\r\\n<li>Maintenance of consumer credit information;<\\/li>\\r\\n<li>Expunge of records that are not permitted.<\\/li>\\r\\n<li>New customer on-boarding procedure<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>List of exception reports run on data (e.g. Duplicate ID numbers).<\\/li>\\r\\n<li>Information on current litigation against the organization.\\r\\n<ul>\\r\\n<li>Type, number and value of cases;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers or credit providers.<\\/li>\\r\\n<li>Process map indicating the flow of information.<\\/li>\\r\\n<li>A detail overview of the IT infrastructure, systems and IT resources.<\\/li>\\r\\n<li><strong>PRO \\/ Customer Liaison. <\\/strong>A detailed overview of the company\\u2019s client base. The company\\u2019s value proposition and benefit to the consumer details of current consumer awareness campaigns and education drives and the target markets and audiences (relevance to Section 13 (a) and Section 72 (1) of the National Credit Amendment Act).<\\/li>\\r\\n<li><strong>Data. <\\/strong>An overview of the company\\u2019s strategy and processes around data. Data sources, verification &amp; validation processes, processes around loading and storage of data and processes with data suppliers and data sources (relevance to Regulation 17, 18, 19, 20 Section 70 (2), (3), Section 71 and Section 72 of the National Credit Amendment Act).<\\/li>\\r\\n<li>Commitment in respect of credit bureau reporting requirements as stipulated in regulations 70 and 71.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>NB: 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\\/Draft Agreed on Procedures - CB 2019.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">See attached terms of reference for performing the due diligence review<\\/a>).<\\/strong><\\/p>\\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\":\"28\",\"created\":\"2019-04-11 12:47:15\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-04-29 13:58:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-29 13:57:19\",\"publish_up\":\"2019-04-11 12:47:15\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":33,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"429\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(858,43,1,'','2021-04-29 14:00:37',915,10067,'3900876f2b76558edfb34cd5a44571090ce10cba','{\"id\":43,\"asset_id\":\"154\",\"title\":\"Registration as a Credit Provider\",\"alias\":\"registration-as-a-credit-provider\",\"introtext\":\"<p><strong>Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>Documents and information required for the application for Registration as a Credit Provider in terms of Section 40 and 41 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p><strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (Form 2)<\\/li>\\r\\n<li>\\u00a0Companies and Intellectual Property Commission (CIPC) registration document or other official legal registration document.<\\/li>\\r\\n<li>Copy of the share certificate(s) if applicant is company. Where the majority shareholder is a natural person, please submit the following documentation:\\r\\n<ul>\\r\\n<li>Certified copy of the identity document.<\\/li>\\r\\n<li>Part 7 (disqualification of natural person form)<\\/li>\\r\\n<li>Criminal clearance certificate not older than six (6) months)<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all members\\/directors\\/shareholders\\/trustees\\/partners\\/sole proprietors.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a>\\u00a0if applicant is a juristic person (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors\\/shareholders\\/trustees\\/partners or sole proprietors issued by the South African Police Services (SAPS) or other service providers listed in the annexure\\u00a0<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/FINGERPRINTS LIST APRIL 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a>\\u00a0marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A signed and stamped letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped bank statement not older than six (6) months.<\\/li>\\r\\n<li>Proof of registration with the South African Revenue Services (SARS).<\\/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 for each sub-category of registrant<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"147\\\">\\r\\n<p><strong>Fee Category<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"417\\\">\\r\\n<p><strong>Description<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td width=\\\"510\\\">\\r\\n<p><strong>Fee<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 1<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R330 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 2<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 billion, but less than R15 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R190\\u00a0000 plus 0,001% of the amount by which the total principal debt exceeds R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 3<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 billion, but less than R5 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R70\\u00a0000 plus 0,003% of the amount by which the total principal debt exceeds R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 4<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R100 million, but less than R1 billion<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R16\\u00a0000 plus 0,005% of the amount by which the total principal debt exceeds R100 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 5<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R5 million, but less than R100 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R7\\u00a0000 plus 0,01% of the amount by which the total principal debt exceeds R5 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 6<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R1 million, but less than R5 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 500 plus 0,1% of the amount by which the total principal debt exceeds R1 million<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 7<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R500 000, but less than R1 million<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R2 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 8<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt equal or greater than R250 000, but less than R500 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 500<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p>Category 9<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>Total principal debt less than R250 000<\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<p>R1 000<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p><strong>Providers of developmental credit (Section 41)<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>A registered credit provider, or a credit provider who has applied to be registered in terms of section 40, may apply for supplementary registration as a credit provider in respect of developmental credit agreements if the credit provider-\\r\\n<ul>\\r\\n<li>Is a close corporation, company, credit co-operative, trust, statutory entity, mutual bank or bank.<\\/li>\\r\\n<li>The National Credit Regulator may grant supplementary registration to a credit provider only if it concludes that the credit provider has:\\r\\n<ul>\\r\\n<li>Sufficient human, financial and operational resources to enable it to function efficiently and to effectively carry out its function in terms of the Act, or presents to the National Credit Regulator a credible plan to acquire or develop those resources, and<\\/li>\\r\\n<li>Adequate administrative procedures and safeguard to justify the application of statutory exceptions from the Act, or presents to the National Credit regulator a credible plan to develop those procedures and safeguards before entering into any developmental credit agreement.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Over and above the requirements set out in Section 41 of the Act, providers of developmental credit are required to submit a motivation outlining the applicant\\u2019s ability to provide developmental credit (link to guidelines for developmental credit provider)\\u00a0<br \\/> (<a href=\\\"documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Preliminary Developmental credit guidelines (2) (3).doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a>)<\\/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\":\"27\",\"created\":\"2019-04-11 10:44:17\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-04-29 14:00:37\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-29 13:59:38\",\"publish_up\":\"2019-04-11 10:44:17\",\"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\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1618\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(859,42,1,'','2021-04-29 14:02:26',915,8417,'16ef54e64f6bbc5c11b92fe8ac595e465da975a7','{\"id\":42,\"asset_id\":\"152\",\"title\":\"Registration as a Debt Counsellor\",\"alias\":\"registration-as-a-debt-counsellor\",\"introtext\":\"<p>\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of the Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p>Debt counsellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/p>\\r\\n<p><strong>Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the National Credit Amendment Act, 19 of 2014:<\\/strong>\\u00a0<\\/p>\\r\\n<p>1. Applicant must\\u00a0be 18 years or older <br \\/> 2. Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 (a) (i). \\u00a0 <br \\/> 3. Must successfully complete a debt counselling course approved by the National Credit Regulator <br \\/> The following training service providers are approved by the National Credit Regulator to offer DC course:<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"0\\\" width=\\\"500\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Institution name<\\/strong><\\/td>\\r\\n<td><strong>Email Address<\\/strong><\\/td>\\r\\n<td><strong>Contact Number<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>University of pretoria enterprise<\\/td>\\r\\n<td><a href=\\\"mailto:charlotte.vansittert@up.ac.za\\\">\\u00a0charlotte.vansittert@up.ac.za<\\/a><\\/td>\\r\\n<td>012 434 2500\\/5235<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Resonance institute of learning<\\/td>\\r\\n<td><a href=\\\"mailto:yasser@ril.co.za\\\">\\u00a0yasser@ril.co.za<\\/a><\\/td>\\r\\n<td>011 888 3498\\/079 943 9019\\/+27 (10) 140 1486<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Compuscan\\/Experian<\\/td>\\r\\n<td><a href=\\\"mailto:Cindee.Groenewald@experian.com\\\">Cindee.Groenewald@experian.com<\\/a><\\/td>\\r\\n<td>021\\u00a0888 6000 \\/ Ext 6048\\/082 441 0941<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Rudo consulting<\\/td>\\r\\n<td><a href=\\\"mailto:thabo@rudocon.co.za\\\">thabo@rudocon.co.za<\\/a><\\/td>\\r\\n<td>012 663 3251\\/082 871 5586 , 076 156 8366<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--<ul>\\r\\n<li>University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0420 5015<\\/li>\\r\\n<li>Damelin \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0242 3400<\\/li>\\r\\n<li>RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0663 3251<\\/li>\\r\\n<li>Compuscan Academy\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 021\\u00a0888 6048<\\/li>\\r\\n<li>Summit Financial Partners\\u00a0 087\\u00a0806 1000<\\/li>\\r\\n<\\/ul>-->\\r\\n<p>4. Must have a minimum of two years full time working experience in any of the following fields;<\\/p>\\r\\n<ul>\\r\\n<li>Consumer Protection;<\\/li>\\r\\n<li>Complaints Resolution;<\\/li>\\r\\n<li>Consumer Advisory Services;<\\/li>\\r\\n<li>Legal or Paralegal Services;<\\/li>\\r\\n<li>Accounting or financial services;<\\/li>\\r\\n<li>Education or training of individuals;<\\/li>\\r\\n<li>Counselling of individuals;<\\/li>\\r\\n<li>General Business Environment.<\\/li>\\r\\n<\\/ul>\\r\\n<p>5. Must not be subject to an administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944 <br \\/> 6. Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act. <br \\/> 7. Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/p>\\r\\n<ul>\\r\\n<li>Debt collection;<\\/li>\\r\\n<li>The operation of a credit bureau;<\\/li>\\r\\n<li>Credit provision.<\\/li>\\r\\n<\\/ul>\\r\\n<p>8. The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills <br \\/> <strong>Documents and information required for the application for registration as a Debt Counsellor in terms of Section 44 of the\\u00a0<\\/strong><strong>National Credit Amendment Act, 19 of 2014<\\/strong><strong>:<\\/strong><br \\/> <strong>Please note that your application will not be processed and\\/or considered without the following:<\\/strong><br \\/> 1. Completed and signed application form (Form 4).<br \\/> 2. A <em>certified<\\/em>\\u00a0copy of your identity or passport document. If non south African Citizen, please provide a\\u00a0<em>certified c<\\/em>opy of valid work permit<br \\/> 3. A <em>certified\\u00a0<\\/em>copy of your Matric Certificate or equivalent NQF Level 4 qualification issued by the South African Qualifications Authority (\\u201cSAQA\\u201d). If it is a foreign qualification, please provide an evaluation certificate issued by the South African Qualifications Authority (\\u201cSAQA\\u201d).\\u00a0\\u00a0<br \\/> 4. A <em>certified<\\/em>\\u00a0copy of your debt counselling certificate issued by an NCR (National Credit Regulator) accredited training service provider.<br \\/> 5. Proof of registration with the South African Revenue Services (SARS).<br \\/> 6. A copy of your Curriculum Vitae (\\u201cCV\\u201d) detailing your academic qualifications, full names of previous and current employers, dates of employment, responsibilities and experience obtained during each period of employment.<br \\/> 7.\\u00a0\\u00a0 A Criminal Clearance Certificate\\u00a0issued by the South African Police Services (SAPS) or other Service Provider listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/FINGERPRINTS LIST APRIL 2021.xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link) <br \\/> 8. Proof of payment of the registration fees:<\\/p>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550;<\\/li>\\r\\n<li>Initial registration fee R500;<\\/li>\\r\\n<li>Branch fee of R250 per location or premises at or from which the applicant conducts registered activities.<\\/li>\\r\\n<\\/ul>\\r\\n<p>9. A letter from the bank confirming your\\u00a0banking details or a copy of a cancelled blank cheque or a stamped bank statement.<\\/p>\\r\\n<p><strong><em>Your application will not be considered if you have not completed the debt counselling course provided by an NCR (National Credit Regulator) accredited training service provider<\\/em><\\/strong><\\/p>\\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\":\"26\",\"created\":\"2019-04-11 10:27:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-04-29 14:02:26\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-29 14:01:28\",\"publish_up\":\"2019-04-11 10:27:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":22,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"488\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(860,41,1,'','2021-04-29 14:04:29',915,9077,'b7bbae38a603f58e0d2a725441eef8f880da8d93','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the <\\/strong><strong>National Credit <\\/strong><strong>Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong><u>Education<\\/u><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/li>\\r\\n<li>completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/li>\\r\\n<li>the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(b) <u>Experience<\\/u><\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<ul>\\r\\n<li>responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/li>\\r\\n<li>who is a person with good record of managing the finances of the company.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>(c) <u>Competence<\\/u><\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<ul>\\r\\n<li>have sufficient human, financial, and operational\\u00a0 resources\\u00a0 to carry out\\u00a0 the functions of\\u00a0 PDA efficiently and effectively;<\\/li>\\r\\n<li>put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/li>\\r\\n<li>comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/li>\\r\\n<li>be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/li>\\r\\n<li>be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/li>\\r\\n<li>have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/li>\\r\\n<li>have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/li>\\r\\n<\\/ul>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\\r\\n<p><strong><u>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/u><\\/strong><u> <\\/u><\\/p>\\r\\n<ol>\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) 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 or directors of the company.<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Resolution- PDA.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (see attached specimen).<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/FINGERPRINTS LIST APRIL 2021.xlsx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>\\u00a0\\u00a0Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>\\u00a0\\u00a0Initial registration fee of R100\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/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 stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;\\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>Copy of the latest management accounts (if applicable).<\\/li>\\r\\n<li>Copy of the latest annual financial statements (if applicable).<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>\\u00a0\\u00a0 Business continuity management plan.<\\/li>\\r\\n<li>Fraud prevention policy.<\\/li>\\r\\n<li>Human resource policies.,<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers, alternative dispute resolution agents, debt counsellors or credit providers.<\\/li>\\r\\n<li>A detailed due diligent report compiled by an independent auditor appointed by the applicant at the applicant\\u2019s own cost <a href=\\\"documents\\/pages\\/registration&amp;compliance\\/pda\\/Audit review requirements for PDAs.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">(scope of work attached)<\\/a>.<\\/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 <a href=\\\"mailto:\\\">registrations@ncr.org.za<\\/a><\\/em><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-04-29 14:04:29\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-29 14:03:17\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":17,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"373\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(861,45,1,'','2021-04-29 14:06:59',915,9667,'949eeb61ea410d3f03f8cd5bd6f56b91750f0a60','{\"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\\/FINGERPRINTS LIST APRIL 2021.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\":\"2021-04-29 14:06:59\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-04-29 14:05:17\",\"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\":27,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"330\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(893,33,1,'','2021-05-27 09:50:11',915,6052,'ef72e2417f7f5d1e7fba6d15fa580a3184ba5db3','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\">SASBO section 127 NCA final.pdf<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-05-27 09:50:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-05-27 09:49:23\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":34,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1987\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(894,33,1,'','2021-05-27 09:50:57',915,6105,'1da9560547f0f9dd016506aa7d63ebed61fce5b9','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\">SASBO section 127 NCA final.pdf<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-05-27 09:50:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-05-27 09:50:11\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":35,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1988\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(895,33,1,'','2021-05-27 09:53:25',915,6166,'6c36315c95d6582eaa6955321f97f19c973c3f89','{\"id\":33,\"asset_id\":\"137\",\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table border=\\\"0\\\" width=\\\"600\\\" cellpadding=\\\"5\\\" align=\\\"center\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\" align=\\\"center\\\">\\r\\n<ul class=\\\"text-center\\\" style=\\\"list-style-position: inside;\\\">\\r\\n<li><a href=\\\"documents\\/SASBO SECTION 127 NCA final.pdf\\\">SASBO section 127 NCA final.pdf<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td><strong>Debt Counselling<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and the National Credit Regulator<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"documents\\/Brochures\\/dc_brochure.jpg\\\" alt=\\\"\\\" width=\\\"76\\\" height=\\\"155\\\" \\/>\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"images\\/NCRA.jpg\\\" alt=\\\"\\\" height=\\\"155\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p>Please choose language<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_english.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sepedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_sotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_siswati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_tshivenda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xhosa .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/Brochures\\/NCR_zulu.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<td valign=\\\"top\\\">Please choose language\\r\\n<ul>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Afrikaans.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Afrikaans<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/1475AD NCR NCAA Brochure ENG.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">English<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Ndebele.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Ndebele<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Pedi.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sepedi<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Sesotho.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Sesotho<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Tswana.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Setswana<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure swati.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Swati<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Venda.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Venda<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xhosa.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xhosa<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure Xitsonga.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Xitsonga<\\/a><\\/li>\\r\\n<li><a href=\\\"brochures\\/Ncra\\/NCR NCAA Brochure ZULU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Zulu<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"2\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td>\\r\\n<p><strong>Debt counselling frequently asked questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - DEBT COUNSELLING V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---DEBT-COUNSELLING-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<td>\\r\\n<p><strong>Credit life insurancefrequently asked <br \\/> questions<\\/strong><\\/p>\\r\\n<a href=\\\"documents\\/Brochures\\/NCR - CREDIT LIFE INSURANCE V2.pdf\\\"><img src=\\\"documents\\/Brochures\\/NCR---CREDIT-LIFE-INSURANCE-V2.jpg\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-02 14:53:30\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-05-27 09:53:25\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-05-27 09:50:57\",\"publish_up\":\"2019-04-02 14:53:30\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":36,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1990\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(897,29,1,'','2021-05-27 18:36:47',915,4450,'f7da987d09a52e71fb1a4c8fde6f12378018a2d1','{\"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\\/27 May 2021-Debt Withdrawal review.pdf\\\">NCR debt review withdrawal guidelines 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines For Standard Court Order03.pdf\\\">Guidelines for standardised court orders and extension of prescribed working days in the dc regulations of 2012<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Annexure A- Standardized Court Order Template.pdf\\\">Annexure A- Standardized Court Order Template<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR Guidelines 1-2020 (justified).pdf\\\">Guidelines for change in circumstance (17.3)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-05-27 18:36:47\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-05-27 18:33:44\",\"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\":10,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3268\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(898,29,1,'','2021-05-27 18:38:33',915,4451,'025312637f12f03d93f192caea80767bb0326418','{\"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\\/27 May 2021-Debt Withdrawal  review.pdf\\\">NCR debt review withdrawal guidelines 2021<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines For Standard Court Order03.pdf\\\">Guidelines for standardised court orders and extension of prescribed working days in the dc regulations of 2012<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Annexure A- Standardized Court Order Template.pdf\\\">Annexure A- Standardized Court Order Template<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR Guidelines 1-2020 (justified).pdf\\\">Guidelines for change in circumstance (17.3)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-05-27 18:38:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-05-27 18:36:47\",\"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\":11,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3269\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(908,112,1,'','2021-06-21 16:05:28',915,5673,'e6de89629b331a9b4f0bb9d3463d9fc59f33f68c','{\"id\":112,\"asset_id\":264,\"title\":\"The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d\",\"alias\":\"the-national-credit-regulator-warns-against-false-information-on-the-national-credit-amendment-act-relating-to-debt-intervention\",\"introtext\":\"<p align=\\\"right\\\"><strong>June 2021<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) strongly condemns scams, which are mainly via online platforms and are aimed at deceiving consumers about debt intervention, which is a measure intended to assist debt stressed consumers, says Anne-Carien Du Plooy, Manager: Debt Intervention at the NCR.<\\/p>\\r\\n<p>Although, the National Credit Amendment Act (the Act) was signed into law, it is not yet in operation and await an implementation date to be promulgated. This simply means that it is currently not in effect, stressed Du Plooy.<\\/p>\\r\\n<p>The NCR has discovered several online scams, such as \\u201cask.auntykaryn.co.za\\u201d which direct consumers to apply to certain companies in order to qualify for their debts to be written off under debt intervention. This is incorrect and misleading!\\u00a0<\\/p>\\r\\n<p>It has to be emphasized that consumers will only be assisted for debt intervention once the Act has been promulgated by the President.\\u00a0 Consumers should beware these scams and avoid falling victims to them, she says.<\\/p>\\r\\n<p>Du Plooy provides the following insight about \\u201cDebt Intervention\\u201d:<\\/p>\\r\\n<ul>\\r\\n<li>Consumers should not fall prey or victims to scams where companies and individuals direct them to pay for services with the promise that their debts will be written off. Consumers are encouraged to verify such information with the NCR on 0860 627\\u00a0627 before any payments are made or agreements entered into.<\\/li>\\r\\n<li>Consumers who are battling with the repayments on their debts can contact a registered debt counsellor directly for assistance.<\\/li>\\r\\n<li>There is no basis for consumers to utilise agents to get to a debt counsellor and pay agent fees.<\\/li>\\r\\n<li>All registered debt counsellors can be found on the NCR\\u2019s website at <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> or consumers can contact the NCR on 0860 627\\u00a0627 for assistance in this regard.<\\/li>\\r\\n<li>Consumers are further cautioned to never give their personal details such as their ID numbers to strangers telephonically or online.<\\/li>\\r\\n<li>A current scam that leads consumers to a website is <a href=\\\"https:\\/\\/ask.auntykaren.co.za\\\">https:\\/\\/ask.auntykaren.co.za<\\/a>. Consumers are cautioned not to visit this website, to be vigilant and avoid this scam.<\\/li>\\r\\n<li>Remember if it sounds too good to be true, it usually is.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>\\u00a0<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<\\/p>\\r\\n<p align=\\\"center\\\">Winnie Rabathata<br \\/> 064\\u00a0752 3923<br \\/> E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-06-21 16:05:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-06-21 16:05:28\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-06-21 16:05:28\",\"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),(914,113,1,'','2021-07-01 12:55:48',915,8573,'ab8c5f1560493a6306a6be05d10169e4615a5b5c','{\"id\":113,\"asset_id\":265,\"title\":\"The importance of knowing your credit status\",\"alias\":\"the-importance-of-knowing-your-credit-status\",\"introtext\":\"<p align=\\\"right\\\"><strong>June 2021<\\/strong><\\/p>\\r\\n<p>According to the National Credit Regulator\\u2019s (NCR) Credit Bureau Monitor (CBM), out of 27.41 million credit active consumers, about 395\\u00a0000 consumers accessed their credit reports in the quarter ending in December 2020. The CBM shows that a significant number of consumers do not check their credit reports as often as they ought to. Although, there has been an increase in the number of consumers accessing their credit reports, the figures still remain low, says Ms. Anne-Carien Du Plooy, Acting Manager: Education and Communication at the NCR.<\\/p>\\r\\n<p>In order to assist consumers to understand more about credit reports, Du Plooy provides an explanation. A credit report provides a consumer\\u2019s credit information such as a person\\u2019s credit history, including applications for credit, credit agreements to which a person is or has been a party, pattern of payment or defaults under any such credit agreements, debt review status etc. Further to the type of information kept at the credit bureaus, the National Credit Act also stipulates how long the information should be kept at the credit bureaus, adds Du Plooy.<\\/p>\\r\\n<p>Consumers are entitled to one free credit report once per annum from any of the four consumer credit bureaus listed below. By accessing their credit reports, consumers will have insight into what is contained in their credit reports. They will also be able to dispute any incorrect information with the credit bureau where they obtained their credit reports, make necessary payments where required and ultimately work on fixing their credit reports if there are any adverse listings, judgments etc., advises Du Plooy. Accessing a credit report will also assist consumers to know if they are a victim of identity fraud.<\\/p>\\r\\n<p>A healthy credit profile will enable a consumer to qualify for credit and get a lower interest rates as opposed to someone who has a bad credit report. A credit report can also be checked in instances where a company is considering a candidate for employment in a position that requires honesty in dealing with cash or finances. A bad credit report might affect your chances of getting a job, adds Du Plooy<\\/p>\\r\\n<p>Our message to the youth is to aim to keep a clean credit profile all the time. This can be done by avoiding unnecessary credit, paying all debts as and when required and saving for emergencies. She also added that consumers should avoid taking debt for other people. For an example, you take clothes for your partner on credit with the promise that they will make monthly repayments. In this instance, consumers should remember that the person responsible for payment of the debt is the one who signs the credit agreement as the verbal agreement they made to you will not count.<\\/p>\\r\\n<p>The NCR urges all consumers to contact any of the below credit bureaus and request a free copy of their credit report, in particular the youth since it is their month. Consumers should dispute any incorrect information with the credit bureaus. <br \\/> Only escalate to the Credit Ombud if the credit bureaus cannot assist you, concludes Du Plooy.<\\/p>\\r\\n<p><strong>Contact Credit Bureaus<\\/strong><\\/p>\\r\\n<table border=\\\"0\\\" width=\\\"500\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\"><br \\/> <strong>Experian<\\/strong><\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>(011)\\u00a0799-3400\\/ 086\\u00a0151 4131<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.experian.co.za\\/\\\">www.experian.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\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 valign=\\\"top\\\">\\r\\n<p><strong>TransUnion\\u00a0<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0861 886 466<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.transunion.co.za\\/\\\">www.transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\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 valign=\\\"top\\\">\\r\\n<p><strong>XDS<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0860 937 000<br \\/> (011) 645-9100<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.xds.co.za\\/\\\">www.xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\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 valign=\\\"top\\\">\\r\\n<p><strong>Consumer Profile Bureau <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>(010)590-9505<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.consumerprofilebureau.com\\\">www.consumerprofilebureau.com<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\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 valign=\\\"top\\\">\\r\\n<p><strong>Credit Ombud<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0861 662 837<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.creditombud.org.za\\\">www.creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>National Credit Regulator<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\"><a href=\\\"mailto:www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p align=\\\"center\\\">Ends<\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Winnie Rabathata: 0647523923<br \\/> E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-07-01 12:55:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-01 12:55:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-07-01 12:55:48\",\"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\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(915,113,1,'','2021-07-01 12:57:04',915,8637,'e2af7b60e7487019f48767dbdf55d8777a59d13d','{\"id\":113,\"asset_id\":\"265\",\"title\":\"The importance of knowing your credit status\",\"alias\":\"the-importance-of-knowing-your-credit-status\",\"introtext\":\"<p align=\\\"right\\\"><strong>June 2021<\\/strong><\\/p>\\r\\n<p>According to the National Credit Regulator\\u2019s (NCR) Credit Bureau Monitor (CBM), out of 27.41 million credit active consumers, about 395\\u00a0000 consumers accessed their credit reports in the quarter ending in December 2020. The CBM shows that a significant number of consumers do not check their credit reports as often as they ought to. Although, there has been an increase in the number of consumers accessing their credit reports, the figures still remain low, says Ms. Anne-Carien Du Plooy, Acting Manager: Education and Communication at the NCR.<\\/p>\\r\\n<p>In order to assist consumers to understand more about credit reports, Du Plooy provides an explanation. A credit report provides a consumer\\u2019s credit information such as a person\\u2019s credit history, including applications for credit, credit agreements to which a person is or has been a party, pattern of payment or defaults under any such credit agreements, debt review status etc. Further to the type of information kept at the credit bureaus, the National Credit Act also stipulates how long the information should be kept at the credit bureaus, adds Du Plooy.<\\/p>\\r\\n<p>Consumers are entitled to one free credit report once per annum from any of the four consumer credit bureaus listed below. By accessing their credit reports, consumers will have insight into what is contained in their credit reports. They will also be able to dispute any incorrect information with the credit bureau where they obtained their credit reports, make necessary payments where required and ultimately work on fixing their credit reports if there are any adverse listings, judgments etc., advises Du Plooy. Accessing a credit report will also assist consumers to know if they are a victim of identity fraud.<\\/p>\\r\\n<p>A healthy credit profile will enable a consumer to qualify for credit and get a lower interest rates as opposed to someone who has a bad credit report. A credit report can also be checked in instances where a company is considering a candidate for employment in a position that requires honesty in dealing with cash or finances. A bad credit report might affect your chances of getting a job, adds Du Plooy<\\/p>\\r\\n<p>Our message to the youth is to aim to keep a clean credit profile all the time. This can be done by avoiding unnecessary credit, paying all debts as and when required and saving for emergencies. She also added that consumers should avoid taking debt for other people. For an example, you take clothes for your partner on credit with the promise that they will make monthly repayments. In this instance, consumers should remember that the person responsible for payment of the debt is the one who signs the credit agreement as the verbal agreement they made to you will not count.<\\/p>\\r\\n<p>The NCR urges all consumers to contact any of the below credit bureaus and request a free copy of their credit report, in particular the youth since it is their month. Consumers should dispute any incorrect information with the credit bureaus. <br \\/> Only escalate to the Credit Ombud if the credit bureaus cannot assist you, concludes Du Plooy.<\\/p>\\r\\n<p><strong>Contact Credit Bureaus<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" width=\\\"500\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\"><br \\/> <strong>Experian<\\/strong><\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>(011)\\u00a0799-3400\\/ 086\\u00a0151 4131<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.experian.co.za\\/\\\">www.experian.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\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 valign=\\\"top\\\">\\r\\n<p><strong>TransUnion\\u00a0<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0861 886 466<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.transunion.co.za\\/\\\">www.transunion.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\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 valign=\\\"top\\\">\\r\\n<p><strong>XDS<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0860 937 000<br \\/> (011) 645-9100<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.xds.co.za\\/\\\">www.xds.co.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\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 valign=\\\"top\\\">\\r\\n<p><strong>Consumer Profile Bureau <\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>(010)590-9505<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.consumerprofilebureau.com\\\">www.consumerprofilebureau.com<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\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 valign=\\\"top\\\">\\r\\n<p><strong>Credit Ombud<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0861 662 837<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"http:\\/\\/www.creditombud.org.za\\\">www.creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><strong>National Credit Regulator<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p>0860 627 627<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\"><a href=\\\"mailto:www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/td>\\r\\n<td valign=\\\"top\\\"><a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p align=\\\"center\\\">Ends<\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Winnie Rabathata: 0647523923<br \\/> E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-07-01 12:55:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-01 12:57:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-01 12:55:48\",\"publish_up\":\"2021-07-01 12:55:48\",\"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\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(916,43,5,'','2021-07-01 14:15:14',915,571,'20c4dd59adbe69687a0c919d52aea06cdd0f9d4d','{\"id\":43,\"asset_id\":266,\"parent_id\":\"1\",\"lft\":\"81\",\"rgt\":82,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"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\":\"2021-07-01 14:15:14\",\"modified_user_id\":null,\"modified_time\":\"2021-07-01 14:15:14\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(917,114,1,'','2021-07-01 14:15:31',915,1762,'771ef0c33a5d01031cbcea33523e276cbe9202f1','{\"id\":114,\"asset_id\":267,\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"43\",\"created\":\"2021-07-01 14:15:31\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-01 14:15:31\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-07-01 14:15:31\",\"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),(918,114,1,'','2021-07-01 14:22:10',915,2226,'a094d186cf48d7bb63365f0aaae98992563411d0','{\"id\":114,\"asset_id\":\"267\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"800\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">May 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"43\",\"created\":\"2021-07-01 14:15:31\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-01 14:22:10\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-01 14:22:01\",\"publish_up\":\"2021-07-01 14:15:31\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(923,115,1,'','2021-07-06 15:56:18',915,7957,'411152b31a96270bdad67cda7e4276bad891f375','{\"id\":115,\"asset_id\":268,\"title\":\"Credit extension slows down\",\"alias\":\"credit-extension-slows-down\",\"introtext\":\"<p align=\\\"right\\\"><strong>July 2021<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from January 2021 to March 2021. The total value of new credit granted decreased by 10.11% quarter-on-quarter from R154.42 billion to R138.81 billion. The number of credit agreements entered into decreased by 12.66% quarter-on-quarter from 3.66 million to 3.20 million.<br \\/> The following were some of the most significant trends observed in terms of credit granted for the quarter ended March 2021:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted decreased by R8.40 billion (13.40%) quarter-on-quarter and increased by R15.33 billion (39.39%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, decreased by R6.57 billion (13.82%) quarter-on-quarter, and increased by R1.87 billion (4.77%) year-on-year.<\\/li>\\r\\n<li>Credit facilities increased by R1.91 billion (10.78%) quarter-on-quarter and by R440.37 million (2.29%) year-on year.<\\/li>\\r\\n<li>Unsecured credit decreased by R2.69 billion (11.77%) quarter-on-quarter and by R5.18 billion (20.47%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion, representing an increase of 1.27% quarter-on-quarter and of 2.68% year-on-year. The trends for outstanding balances for the quarter ended March 2021 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R27.10 billion (2.67%) for the quarter ended March 2021 and by R54.05 billion (5.47%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R1.55 billion (0.34%) for the quarter ended March 2021 and by R8.43 billion (1.88%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book decreased by R498.01 million (0.19%) for the quarter ended March 2021 and increased by R167.49 million (0.06%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book decreased by R3.46 billion (1.60%) for the quarter ended March 2021 and by R10.92 billion (4.88%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 27.53 million credit-active consumers, which showed an increase of 0.44% when compared to the 27.41 million in the previous quarter. Consumers classified in good standing increased by 216,007 to 17.01 million consumers. This amounts to 61.80% of the total number of credit-active consumers, an increase of 0.84% quarter-on-quarter and a decrease of 0.78% year-on-year. The number of credit active accounts decreased from 90.47 million to 85.09 million in the quarter ended March 2021. The number of impaired accounts has decreased from 23.85 million (26.34%) to 20.18 million (23.71%) in March 2021, a decrease of 3,650,424 quarter-on-quarter and increased by 296,911 year-on-year.<\\/p>\\r\\n<p>The number of credit reports issued to consumers increased from 394,458 to 584,437. A total of 493,538 (84.45%) credit reports were issued free of charge, and the balance of 90,899 (15.55%) were issued at a cost. There were 25,404 disputes lodged on information held on consumer credit records for the quarter ended March 2021, a decrease of 4.50% quarter-on-quarter and 35.80% year-on-year.<\\/p>\\r\\n<p>Nomsa Motshegare, the Chief Executive Officer (CEO) of the NCR recognises that consumers are indeed facing tough times and encourages those who are battling to keep up with their debt to utilise the different debt relief options provided for in the National Credit Act and by the industry. Consumers battling with their debt can approach their credit providers directly to negotiate for lower instalments or for some kind of relief on their debts. If this fails, consumers can approach a registered debt counsellor for assistance.<\\/p>\\r\\n<p>Motshegare further advises consumers who qualify to claim from their credit life insurance. Credit life insurance 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 also enquire from the Department of Labour about unemployment insurance fund (UIF) applications.<\\/p>\\r\\n<p><strong><em>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the December 2020 and March\\u00a0 2021 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the March 2020 and March 2021 quarters<\\/em><\\/strong><strong>.<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Winnie Rabathata: 064\\u00a0752 3923<br \\/> E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a><br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-07-06 15:56:18\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-06 15:56:18\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-07-06 15:56:18\",\"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),(930,114,1,'','2021-07-08 14:39:55',915,2209,'fa36b81027dfdbc204628f0121d3168eb8f807cb','{\"id\":114,\"asset_id\":\"267\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"800\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">May 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":0,\"catid\":\"43\",\"created\":\"2021-07-01 14:15:31\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 14:39:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 14:39:50\",\"publish_up\":\"2021-07-01 14:15:31\",\"publish_down\":\"\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"165\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(944,30,1,'','2021-07-08 15:11:38',915,8777,'83792f6af14586f46ef8cb705d0aa031694bff09','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"650\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"158\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\" width=\\\"444\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"158\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\" width=\\\"444\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2013<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2012<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2011<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2010<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2009<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2008<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2007<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2003<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:11:38\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:11:05\",\"publish_up\":\"2019-04-02 12:55:33\",\"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\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2409\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(945,30,1,'','2021-07-08 15:12:03',915,8776,'669f175cf705852e8ab8d6d6a84ef253468baf4f','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"650\\\" cellpadding=\\\"5\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"158\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\" width=\\\"444\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"158\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\" width=\\\"444\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2013<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2012<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2011<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2010<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2009<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2008<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2007<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2003<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:12:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:11:38\",\"publish_up\":\"2019-04-02 12:55:33\",\"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\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2410\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(946,30,1,'','2021-07-08 15:12:20',915,8758,'0765433d6a200aa17c737cf0f7ea9d87c79bdf5a','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"650\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"158\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\" width=\\\"444\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" width=\\\"158\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\" width=\\\"444\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2013<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2012<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2011<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2010<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2009<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2008<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2007<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2003<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:12:20\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:12:03\",\"publish_up\":\"2019-04-02 12:55:33\",\"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\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2412\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(947,30,1,'','2021-07-08 15:13:04',915,8702,'978715050c05d3ffee20f91186f2222c88fd0653','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"650\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2013<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2012<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2011<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2010<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2009<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2008<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2007<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2003<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:13:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:12:20\",\"publish_up\":\"2019-04-02 12:55:33\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":21,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2414\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(948,30,1,'','2021-07-08 15:13:30',915,8721,'f1fbba163ce7d108acdd819a0a0565705572a002','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"650\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2013<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2012<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2011<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2010<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2009<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2008<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2007<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2003<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:13:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:13:04\",\"publish_up\":\"2019-04-02 12:55:33\",\"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\":22,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2415\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(949,30,1,'','2021-07-08 15:13:44',915,9271,'7ac7bd702051ecc257bbfd8ea62691bda1896aa3','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 648px;\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\" align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle; width: 522.714px;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\" align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle; width: 522.714px;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2013<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2012<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2011<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2010<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2009<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2008<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2007<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 76.2857px;\\\"><strong>2003<\\/strong><\\/td>\\r\\n<td style=\\\"width: 522.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:13:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:13:30\",\"publish_up\":\"2019-04-02 12:55:33\",\"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\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2416\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(950,30,1,'','2021-07-08 15:17:39',915,8851,'2ad9208e7676bd67ee40f88327f2180649f6c0f0','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"650\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>2013<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Credit-and-Borrowing-in-South-Africa.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2012<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2011<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2010<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2009<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2008<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2007<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2003<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:17:39\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:13:44\",\"publish_up\":\"2019-04-02 12:55:33\",\"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\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2418\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(951,30,1,'','2021-07-08 15:17:55',915,9401,'9090eec4f16f85aed29cb158d8c7b0fefcb96ac3','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 648px;\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\" align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle; width: 491.714px;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\" align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle; width: 491.714px;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\">\\r\\n<p align=\\\"center\\\"><strong>2013<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Credit-and-Borrowing-in-South-Africa.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\"><strong>2012<\\/strong><\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\"><strong>2011<\\/strong><\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\"><strong>2010<\\/strong><\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\"><strong>2009<\\/strong><\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\"><strong>2008<\\/strong><\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\"><strong>2007<\\/strong><\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 107.286px;\\\"><strong>2003<\\/strong><\\/td>\\r\\n<td style=\\\"width: 491.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:17:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:17:39\",\"publish_up\":\"2019-04-02 12:55:33\",\"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\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2419\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(952,30,1,'','2021-07-08 15:38:04',915,8972,'0cbb56c244c9f832878eda77a017862e5f4bd087','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" width=\\\"650\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>2013<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Credit-and-Borrowing-in-South-Africa.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>\\r\\n<p align=\\\"center\\\"><strong>2012<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-RESEARCH-ON-THE-INCREASE-OF.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2011<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2010<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2009<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2008<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2007<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>2003<\\/strong><\\/td>\\r\\n<td>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:38:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:34:49\",\"publish_up\":\"2019-04-02 12:55:33\",\"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\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2422\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(953,30,1,'','2021-07-08 15:38:15',915,9522,'e44e41fdbfa20c4813cc45dd3746baf8e87cb3fa','{\"id\":30,\"asset_id\":\"134\",\"title\":\"Research Reports\",\"alias\":\"research-reports\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 648px;\\\" cellpadding=\\\"10\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\" align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>June 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/Alternative-Data-Landscape.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle; width: 516.714px;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Alternative Data Landscape in South Africa 24.6.21.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Data Landscape in South Africa <\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\" align=\\\"center\\\">\\r\\n<p align=\\\"center\\\"><strong>May 2021<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Unsecured-Credit-Study.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"vertical-align: middle; width: 516.714px;\\\" valign=\\\"middle\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/NCR Unsecured Credit Study - Final Report (Abridged).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Unsecured Credit, Credit Cards, Store Cards, and the Impact of COVID-19 on the Consumer Credit Market in South AfricaFinal<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\">\\r\\n<p align=\\\"center\\\"><strong>2013<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-Credit-and-Borrowing-in-South-Africa.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/july13\\/NCR Outcomes evaluation of educational workshops.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Outcomes evaluation of educational workshops<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">LITERATURE REVIEW ON THE IMPACT OF THE NATIONAL CREDIT ACT (NCA) HAS HAD ON SOUTH AFRICA\\u2019S CREDIT MARKET<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/NCR_14.03.2013.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit and Borrowing in South Africa, FinScope Consumer Survey South Africa 2012<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/Investigation on the effectiveness of the alternate dispute.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Investigation on the effectiveness of the alternative dispute resolution (ADR) market in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun13\\/ADR Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Alternative Dispute Resolution (ADR) summary<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\">\\r\\n<p align=\\\"center\\\"><strong>2012<\\/strong><br \\/><br \\/> <img src=\\\"images\\/NCR-RESEARCH-ON-THE-INCREASE-OF.jpg\\\" width=\\\"60\\\" \\/><\\/p>\\r\\n<\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Exec Sum.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured personal loans in South Africa credit market - Executive summary<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug12\\/UPL Report 47 Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Research on the increase of unsecured loans in South Africa\'s credit market - Final Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2011<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/dec11\\/Literature Review on SME Access to Credit in South Africa_Final Report_NCR_Dec 2011.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Literature Review on SME Access to Credit in South Africa Final Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug11\\/NCR_NCA IMPACT LITERATURE REVIEW_FINAL REPORT_260612.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Cost of and Access to Credit in South Africa<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2010<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit law review: setting the scene<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/nov10\\/Credit Law Review.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/Final Update Document.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Task Team on Debt Counselling<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr10\\/DC survey analysis-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A Survey conducted by AIA on behalf of the National Credit Regulator<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2009<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr09\\/ncr.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The debt counselling process - challenges to consumers and the credit industry in general<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/may09\\/Impact_Assesment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/jun09\\/Pricing and Access Summary Cover June 2009.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Pricing of and Access to Consumer Credit<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2008<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/oct08\\/GARNISHEE-ORDERS-STUDY-REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The incidence of and the undesirable practices relating to garnishee orders in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PERC Study Release:<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug08\\/South-Africa-compressed-web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Information Sharing and SMME Financing in South Africa<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/apr08\\/Executive Summary.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Impact Assessment Report<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/mar08\\/Livelihoods study.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Access and Use of credit by poor households in Johannesburg<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Livelihoods study of poor households in Johannesburg<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2007<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/march07\\/Public Report.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Extension to Households<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 82.2857px;\\\"><strong>2003<\\/strong><\\/td>\\r\\n<td style=\\\"width: 516.714px;\\\">\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/research-reports\\/aug13\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Law Review | August 2003<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:55:33\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-08 15:38:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-08 15:38:04\",\"publish_up\":\"2019-04-02 12:55:33\",\"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\":28,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2423\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(956,116,1,'','2021-07-09 15:05:31',915,3914,'4acc6f2e90f3717329eb4aea1cc19797ad7cb314','{\"id\":116,\"asset_id\":269,\"title\":\"Alternative Data Landscape in South Africa\",\"alias\":\"alternative-data-landscape-in-south-africa\",\"introtext\":\"<p>The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of the work promptly, and when the reproduction is for educational and non-commercial purposes, without a fee, subject to such attributions and notices as we may reasonably require.<\\/p>\\r\\n<p>IFC does not guarantee the accuracy, reliability, or completeness of the content included in this work, or for the conclusions or judgments described herein, and accepts no responsibility or liability for any omissions or errors (including, without limitation, typographical errors and technical errors) in the content whatsoever or for reliance thereon. The findings, interpretations, and conclusions expressed in this volume do not necessarily reflect the views of the Executive Directors of the World Bank or the Governments they represent<\\/p>\\r\\n<p>The contents of this work are intended for general informational purposes only and are not intended to constitute legal, securities, or investment advice, an opinion regarding the appropriateness of any investment, or a solicitation of any type. IFC or its affiliates may have an investment in, provide other advice or services to, or otherwise have a financial interest in, certain of the companies and parties named herein.<\\/p>\\r\\n<p>All other queries on rights and licenses, including subsidiary rights, should be addressed to IFC Communications, 2121 Pennsylvania Avenue, N.W., Washington, D.C. 20433. International Finance Corporation is an international organization established by Articles of Agreement among its member countries, and a member of the World Bank Group. All names, logos, and trademarks are the property of IFC and you may not use any of such materials for any purpose without the express written consent of IFC. Additionally, \\u201cInternational Finance Corporation\\u201d and \\u201cIFC\\u201d are registered trademarks of IFC and are protected under international law.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-07-09 15:05:31\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-09 15:05:31\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-07-09 15:05:31\",\"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),(957,116,1,'','2021-07-09 15:06:19',915,4074,'0b68dc945f75722cfdf573921831103093be0ec8','{\"id\":116,\"asset_id\":\"269\",\"title\":\"Alternative Data Landscape in South Africa\",\"alias\":\"alternative-data-landscape-in-south-africa\",\"introtext\":\"<p>The material in this work is copyrighted. Copying and\\/or transmitting portions or all of this work without permission may be a violation of applicable law. IFC encourages dissemination of its work and will normally grant permission to reproduce portions of the work promptly, and when the reproduction is for educational and non-commercial purposes, without a fee, subject to such attributions and notices as we may reasonably require.<\\/p>\\r\\n<p>IFC does not guarantee the accuracy, reliability, or completeness of the content included in this work, or for the conclusions or judgments described herein, and accepts no responsibility or liability for any omissions or errors (including, without limitation, typographical errors and technical errors) in the content whatsoever or for reliance thereon. The findings, interpretations, and conclusions expressed in this volume do not necessarily reflect the views of the Executive Directors of the World Bank or the Governments they represent<\\/p>\\r\\n<p>The contents of this work are intended for general informational purposes only and are not intended to constitute legal, securities, or investment advice, an opinion regarding the appropriateness of any investment, or a solicitation of any type. IFC or its affiliates may have an investment in, provide other advice or services to, or otherwise have a financial interest in, certain of the companies and parties named herein.<\\/p>\\r\\n<p>All other queries on rights and licenses, including subsidiary rights, should be addressed to IFC Communications, 2121 Pennsylvania Avenue, N.W., Washington, D.C. 20433. International Finance Corporation is an international organization established by Articles of Agreement among its member countries, and a member of the World Bank Group. All names, logos, and trademarks are the property of IFC and you may not use any of such materials for any purpose without the express written consent of IFC. Additionally, \\u201cInternational Finance Corporation\\u201d and \\u201cIFC\\u201d are registered trademarks of IFC and are protected under international law.<\\/p>\\r\\n<p><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-07-09 15:05:31\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-07-09 15:06:19\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-07-09 15:05:31\",\"publish_up\":\"2021-07-09 15:05:31\",\"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),(969,1,1,'','2021-08-03 15:57:50',915,2720,'3afa269a89a5008c8f3edde8fd18c6f00bc22962','{\"id\":1,\"asset_id\":\"57\",\"title\":\"WELCOME TO THE NATIONAL CREDIT REGULATOR\",\"alias\":\"welcome-to-the-national-credit-regulator\",\"introtext\":\"<h3 class=\\\"header\\\" style=\\\"text-decoration: none;\\\">WELCOME TO THE NATIONAL CREDIT REGULATOR<\\/h3>\\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\":\"2021-08-03 15:57:50\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-08-03 15:52:32\",\"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\":12,\"ordering\":\"6\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2941\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(972,117,1,'','2021-08-05 09:40:51',915,6160,'41647cddd9bb0e70a67e0af3239d9656e8388da2','{\"id\":117,\"asset_id\":274,\"title\":\"Men and finances\",\"alias\":\"men-and-finances\",\"introtext\":\"<p align=\\\"right\\\"><strong>July 2021<\\/strong><\\/p>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at March 2021 was R2.04 trillion. This amount represents monies that South African\\u2019s owe in terms of credit which is made up of amongst others, mortgage bonds, vehicle finances, credit cards, personal loans, store cards etc.\\u00a0 This shows that credit plays an important role in people\\u2019s lives and if used properly, it can assist to build or accumulate assets, says Ms Anne-Carien Du Plooy, Acting Manager: Education and Communication at the National Credit Regulator (NCR). \\u201cHowever, if credit is used recklessly, it can cause serious financial strain which may leave many consumers struggling to repay their monthly debt instalments\\u201d.<\\/p>\\r\\n<p>Although, we do realise that financial problems are not gender specific, in celebrating Men\\u2019s Month in July, the NCR calls on all men to be financially savvy and take control of their finances. At times men try to increase their family household income by participating in different money making schemes such as stokvels, online trading, gambling, investments, excessive usage of their credit cards etc. While trying to increase household income, some men find themselves falling prey to fraudsters or taking more than they can chew. Some men accumulate a lot of debt and become vulnerable to scammers where they will be paying monies upfront with a promise of being given a loan or leave their identity documents with credit providers in order to get a loan.<\\/p>\\r\\n<p>Du Plooy advises all men with financial problems to have courage to seek professional advice. There are different debt relief measures available such as negotiations with credit providers for lower instalments, debt counselling, and the usage of credit life insurance for those who qualify etc. Thus, the NCR urges men to take control of their finances by doing a monthly budget, checking their free credit reports with credit bureaus and to also seek help when it is needed. <br \\/><br \\/> The NCR conducts consumer education workshops at no charge. If men groups \\/ organisations would like the NCR to conduct workshops for them on the National Credit Act which covers, amongst other topics, consumer rights, budgeting, credit information and credit bureaus, debt counselling, repossession etc. they should contact the NCR on 0860 627\\u00a0627 or on <a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a> or <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a>.<\\/p>\\r\\n<p>Below are a few tips for men to remain financially savvy:<\\/p>\\r\\n<ul>\\r\\n<li>Avoid using credit cards to buy food, alcohol etc.<\\/li>\\r\\n<li>Compile a monthly budget and stick to it;<\\/li>\\r\\n<li>Cut unnecessary expenses from your budget;<\\/li>\\r\\n<li>Make provision for savings in your budget;<\\/li>\\r\\n<li>Seek professional help if you are battling with debt;<\\/li>\\r\\n<li>Only use registered credit providers. You can verify their registration with the National Credit Regulator on <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a>;<\\/li>\\r\\n<li>Do not give your personal details such as ID number, baking details etc. to strangers.\\u00a0\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p><strong>\\u00a0<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Winnie Rabathata<br \\/> 064\\u00a0752 3923 <br \\/> E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-08-05 09:40:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-08-05 09:40:51\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-08-05 09:40:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(976,118,1,'','2021-08-11 14:56:13',915,8989,'dcdda2edb69dabb5575fa6fbcc988d4ef065567f','{\"id\":118,\"asset_id\":275,\"title\":\"Debt counselling offers new lease of life for over-indebted consumers\",\"alias\":\"debt-counselling-offers-new-lease-of-life-for-over-indebted-consumers\",\"introtext\":\"<p align=\\\"right\\\"><strong>August 2021<\\/strong><\\/p>\\r\\n<p>The National Credit Act introduced debt counselling in 2007 as a debt relief measure that could assist over-indebted consumers through providing budget advice, negotiating with credit providers for reduced payments and restructuring debt, thereby protecting the consumer from legal action by credit providers. Debt counselling is by no means a savings mechanism and consumers should beware of misleading advertising which markets debt counselling by promising consumers monthly savings of about 60%, cautions Anne-Carien Du Plooy, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>Consumers contemplating debt counselling should first understand the terms and conditions. Debt counselling is not a free service, costs and fees are applicable. Not everyone can qualify for debt counselling. In order to qualify for debt counselling, consumers must have a disposable income to enable negotiation for the reduction of installments, says Du Plooy. \\u201cOnly over-indebted consumers can qualify for debt counselling, if a consumer does not qualify, they will be rejected.\\u201d It is therefore, very important for consumers contemplating debt counselling to approach only registered debt counsellors who will advise them of all terms and conditions, costs and fees, as well as conduct proper financial assessments to determine if the consumer can qualify for debt counselling, adds Du Plooy.<\\/p>\\r\\n<p>Important considerations before contemplating debt counselling:<\\/p>\\r\\n<ul>\\r\\n<li>Consumers married in community of property need to apply for debt counselling jointly. What this means is that when two people are married in community of property, one cannot simply undergo debt counselling independently. Only those married out of community of property can apply for, and undergo debt counselling independently;<\\/li>\\r\\n<li>Consumers under debt administration cannot apply for debt counselling;<\\/li>\\r\\n<li>Consumers cannot apply for, or be granted any new credit while they undergo debt counselling;<\\/li>\\r\\n<li>Consumers can only exit debt counselling once they have settled all their short term debt which includes vehicle finance, credit and store cards, loans etc. and have received a clearance certificate from their debt counsellor;<\\/li>\\r\\n<li>Should a consumer have a home loan account, payments have to be up to date in terms of the debt counselling re-arrangement order before a clearance certificate is issued; and<\\/li>\\r\\n<li>A consumer will only be eligible to apply for, or be granted, new credit once they have been issued with a clearance certificate by a debt counsellor.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Remember that debt counselling is not offered free of charge. It is imperative that consumers understand this and are aware of the costs upfront. Debt counselling fees are as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Application fee: fifty rand (R50.00), payable prior to commencing the assessment. Paid upfront and in full;<\\/li>\\r\\n<li>Administration fee: three hundred rand (R300.00) per debt counselling application. Paid upfront and in full;<\\/li>\\r\\n<li>Attorney fees: To be agreed upon with the attorney and communicated with the consumer when applying for debt.<\\/li>\\r\\n<li>Restructuring fee is either equal to the distributable amount or a maximum fee of eight thousand rand (R8 000.00) for a single applicant. For consumers married in community of property, the restructuring fee is either equal to the distributable amount or a maximum fee of nine thousand rand (R9 000.00). The restructuring fee is a once off payable in month one (1) after the debt counsellor has drafted and submitted the restructuring documents.<\\/li>\\r\\n<li>After the assessment, if the consumer or debt counsellor strongly feels that there is reckless lending, the consumer is liable to pay a once-off fee of one thousand five hundred rand (R1\\u00a0500.00);<\\/li>\\r\\n<li>Aftercare fee: is payable monthly after month two (2) of the debt counselling service. The fee is equal to (five) 5% of the distributable amount up to a maximum fee of four hundred and fifty rand (R450.00);<\\/li>\\r\\n<li>NCT Submission fee - Submission of the National Consumer Tribunal\\u00a0 of R500 (excluding NCT filing fee); \\u00a0<\\/li>\\r\\n<li>Once the restructuring process is complete, a consumer can either make their payments directly to their credit provider or through a registered Payment Distribution Agent (PDA); and<\\/li>\\r\\n<li>Consumers should request a receipt from the debt counsellor upon payment of the application and administration fees. Debt Counsellors are prohibited from collecting and distributing debt counselling funds to credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Before signing up for debt counselling, consumers are advised to request information from their debt counsellor on how their debts will be restructured. Once signed up, consumers should also request to be given all debt counselling related documents such as their application form, restructuring proposal and court order. Du Plooy once again stressed the importance that debt counselling should only be done by a debt counsellor registered with the NCR and has a certificate that shows their names and their \\u201cNCRDC\\u201d number. Consumers have a right to demand to see this proof. The NCR also advises consumers to make use of debt counsellors who are in the vicinity of where they live or work as this enables them to physically visit the debt counsellor\\u2019s office if the need arises. It is also important to have your debt counsellor\\u2019s contact details, names, physical address etc. readily available.<\\/p>\\r\\n<p>Consumers can get a list of all registered debt counsellors on <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a>. Alternatively, consumers can call the NCR on 0860 627\\u00a0627, concludes Du Plooy.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><br \\/> Or<br \\/> Didi Sebothoma 0647523910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a><br \\/> Winnie Rabathata 064 752 3923<br \\/> E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a><br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-08-11 14:56:13\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-08-11 14:56:13\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-08-11 14:56:13\",\"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\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(990,102,1,'','2021-08-19 11:59:15',915,4684,'a64f7b373749031b249513ac7296f2026ae5ffa2','{\"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\":\"2021-08-19 11:59:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-08-19 11:59:10\",\"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\":2,\"ordering\":\"13\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3654\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(991,119,1,'','2021-08-19 11:59:43',915,6432,'b7a9a1c7f6b1492f131eb147d50ae2eec074ea8a','{\"id\":119,\"asset_id\":276,\"title\":\"Looting mayhem has cost some consumers dearly\",\"alias\":\"looting-mayhem-has-cost-some-consumers-dearly\",\"introtext\":\"<p align=\\\"right\\\"><strong>August 2021<\\/strong><\\/p>\\r\\n<p>The recent looting mayhem in Gauteng and KwaZulu-Natal has, with no doubt, cost some employees and owners of the vandalised premises dearly as some are unable to make monthly repayments towards their debts. This is as a result of the job losses or salary reduction or temporary unemployment as some people will only be called back to work once businesses start functioning again. This means that when business owners are trying to rebuild, many people will be unable to make monthly repayments towards their debts, says Anne-Carien Du Plooy, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>The destruction caused by the looters has left not only business owners, insurers and the government bearing the financial brunt, many others in the value chain such as employees of the vandalised and looted establishments, their families and surrounding small businesses are also affected financially. \\u201cIf you are a consumer of credit affected by the looting activities that transpired in Gauteng and KwaZulu-Natal leaving you unable to meet your monthly obligations, please inform your credit providers for debt relief assistance\\u201d, advises Du Plooy. Missing repayments will, no doubt affect consumers\\u2019 credit reports at the credit bureaus, hence it is imperative for consumers to contact their credit providers soonest.<\\/p>\\r\\n<p>Du Plooy also reminds consumers that credit life insurance which covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others can be a debt relief measure for those who qualify for it. Consumers are urged to check if their credit agreements are covered by credit life insurance because 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 who would like to use this relief measure but battling to get assistance from their credit providers can send a complaint to the National Credit Regulator. However, it is important for consumers to remember that in order to benefit from credit life insurance, all installments for the credit agreement covered by the credit life insurance must be up to date.<\\/p>\\r\\n<p>Consumers whose income has been reduced may consider debt counselling as a debt relief solution. Debt counselling is a debt relief measure intended to assist over-indebted consumers struggling with debt, through budget advice, negotiation with credit providers for reduced payments, extension of repayment term and restructuring of debt.<\\/p>\\r\\n<p>For further advice on other debt relief options available in terms of the National Credit Act or further explanation on the above, consumers are welcome to contact the National Credit Regulator on 0860 627\\u00a0627 or <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a>, concludes Du Plooy.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">Or<\\/p>\\r\\n<p align=\\\"center\\\">Didi Sebothoma \\u2013 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:dsebothoma@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a><br \\/> Or<\\/p>\\r\\n<p align=\\\"center\\\">Winnie Rabathata - 064 752 3923<br \\/> E-mail: <a href=\\\"mailto:wrabathata@ncr.org.za\\\">wrabathata@ncr.org.za<\\/a><\\/p>\\r\\n<p align=\\\"center\\\">NCR Share call: 0860 627 627<br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-08-19 11:59:43\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-08-19 11:59:43\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-08-19 11:59:43\",\"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),