(1004,25,1,'','2021-09-09 15:08:56',915,27327,'db7a64d1078f6b874d68a0d05fa273ac9fa03f99','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 938px;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 05 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-09-09 15:08:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-09-09 15:08:48\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":43,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8114\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1005,25,1,'','2021-09-09 15:09:35',915,27326,'769612ee27ef069577530392f3e2d6df871f1e1a','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 05 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-09-09 15:09:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-09-09 15:08:56\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":44,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8116\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1006,25,1,'','2021-09-09 15:23:01',915,27325,'d990d2f24d3de79fcd08cc5ecd76aba413e58417','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-09-09 15:23:01\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-09-09 15:09:35\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":45,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8118\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1008,25,1,'','2021-09-15 08:22:38',915,27745,'5569168a1e4fa06e6b61743a55c4275224566f95','{\"id\":25,\"asset_id\":\"125\",\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"\",\"fulltext\":\"\\r\\n<p>\\u00a0<\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"width: 100%;\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2021-EdgarsJet on-sale accounts (002).pdf\\\">Circular 6 of 2021 - Process of dealing with edgars\\/jet on-sale accounts <\\/a><br \\/> <a href=\\\"documents\\/Circulars\\/Annexure A-Edgars&amp;Jet on-sale accounts.pdf\\\">Annexure A - Edgars &amp; Jet on-sale accounts.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circula 05-COMMENTS ON THE REVIEW OF LIMITATIONS ON FEES.pdf\\\">Circular 5 of 2021 - Invitation to submit comments on the review of limitations on fees and interest rates regulations <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04.pdf\\\">Circular 4 of 2021 - NCR\\u2019s banking details have not changed <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 03 OF 2021...pdf\\\">Circular 3 of 2021 - Invitation to submit comments on the review of the credit life insurance regulations, 2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular on ADR Agents 03.pdf\\\">Circular 2 of 2021 - Circular on ADR agents <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2021<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 01 of 2021- CONSUMER TRANSFER NOTICE.pdf\\\">Circular 1 of 2021 - Consumer transfer notice for lapsed and de-registered debt counsellors <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 10 2020- DC misleading marketing practices.pdf\\\">Circular 10 2020 - DC misleading marketing practices.pdf <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-09-of-2020.pdf\\\">Circular 09 of 2020 - Submission of the quarterly returns <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-08-of-2020.pdf\\\">Circular 08 of 2020 - Establishment of the NCR debt counsellor panel <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2020 Update on the NCA-extension of business days.pdf\\\">Circular 07 of 2020 - Update on the extension of the NCA business days <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-06-of-2020.pdf\\\">Circular 06 of 2020 - Submission of credit information during covid-19 period <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2020- Emergency Loan Guideline.pdf\\\">Circular 05 of 2020 - Emergency loan guideline <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">May 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 04 of 2020- Extension of quarterly stats submission.pdf\\\">Circular 04 of 2020 - Extension of the quarterly statistical returns submission <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2020 (justified).pdf\\\">Circular 03 of 2020 - Change in circumstance guidelines - form 17.3<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2020.pdf\\\">Circular 02 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2020<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2020.pdf\\\">Circular 01 of 2020<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-07-of-2019 23.pdf\\\">Circular 07 of 2019 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">July 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 06 of 2019- NCR Webinars.pdf\\\">Circular 06 of 2019 - NCR Webinars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-05-of-2019.pdf\\\">Circular 05 of 2019 - DC Court Challenges<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">June 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-04-of-2019.pdf\\\">Circular 04 of 2019 is applicable to all registered credit bureaux.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-03-of-2019.pdf\\\">Circular 03 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-02-of-2019.pdf\\\">Circular 02 of 2019 - Updates from the credit industry forum<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2019<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular-01-of-2019.pdf\\\">Circular 01 of 2019 is applicable to re-seller credit bureaux, their independent auditors.<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">November 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">October 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No.06 of 2018- Wriiten comments- Reckless Lending Fee.pdf\\\">Circular 06 of 2018 - Request for written comments - reckless lending fee category<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 05 September 2018.pdf\\\">Circular 05 of September 2018 - Notice of Intention to withdraw the Reckless Lending Fee Category from the Debt Counselling Fee Guideline<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR New Enhanced Debt Help System CIRCULAR 3 OF 2018.pdf\\\">Circular 3 of 2018 - NCR New Enhanced Debt Help System<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2018<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">September 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 14 OF 2017.pdf\\\">Circular no 14 of 2017 \\u2013 consumer transfer notice of the lapsed and voluntary de-registered debt counsellors<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 12 of 2017- Proposed DC fee structure.pdf\\\">Circular 12 of 2017 - request for comments on recommended debt counselling fee structure<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 9 OF 2017.pdf\\\">Circular 9 of 2017 - Transfer notice of the files for anton simon barkenhuizen - ncrdc 348<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">August 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">April 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">March 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">February 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td style=\\\"width: 108px;\\\">January 2017<\\/td>\\r\\n<td style=\\\"width: 814px;\\\"><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<!--\\r\\n\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 7 - Call Centres.pdf\\\">Circular 7 of 2017 - debt counselling call centres<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 6 of 2017- Section 71.pdf\\\">Circular 6 of 2017 - interpretation of section 71 of the nca<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular No5 .pdf\\\">Circular 5 of 2017 - transfer notice of the files for albert muller \\u2013 ncrdc 110<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1529AD NCR CIRCULAR 4 OF 2017.pdf\\\">Circular 4 of 2017 \\u2013 NCR\\u2019s banking details have not changed<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 03 of 2017- DC fees review.pdf\\\">Circular 3 of 2017 \\u2013 review of debt counselling fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Annual Renewal of Registrations.pdf\\\">Circular 2 of 2017 \\u2013 annual renewal of registration<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">January 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular 1 of 2017-DCRS.pdf\\\">Circular 1 of 2017 \\u2013 debt counselling rules system<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1349AD NCR CIRCULAR 24 OF 2016.pdf\\\">Circular No. 24\\/November 2016 replaces Circular No. 2\\/February 2016, which is hereby withdrawn. This circular is applicable to both credit bureaux and their independent auditors as a supplement to the existing guidelines \\u2013 Guidelines No. 003\\/2009 and 001\\/2014.<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 23 OF 2016.pdf\\\">Circular No. 23 \\/ October 2016. This circular is applicable to credit bureaux and their re-sellers and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 of the National Credit Act, 2005, as amended.<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/SKM_754e16100415260.pdf\\\">Circular No. 3 \\/ October 2016. This circular is applicable to credit bureaux and their re-seller and on-sellers (including channel partners) and all persons carrying out the business of a credit bureau in accordance with S43 fo the National Credit Act 2005, as amended<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/1203AD NCR CIRCULAR 18 OF 2016.pdf\\\">Circular no. 18 of 2016: Debt Counsellors Referred to the Tribunal Due to Contraventions of the Act<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/September_2016\\/Circular No19 Employed Debt Counsellors.pdf\\\">Circular 19 of 2016: Employed Debt Counsellors<\\/a><\\/p>\\r\\n<p><strong>July 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 15 of 2016 : Inclusion of initiation fees in the deferred amount \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1120AD NCR CIRCULAR 15 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2016: Inclusion of initiation fees in the deferred amount <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 14 of 2016 : Aternative dispute resolution agents \\\" href=\\\"documents\\/Circulars\\/July 2016\\/1119AD NCR CIRCULAR 14 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2016: Aternative dispute resolution agents <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">June 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 13 of 2016 : Updates from the credit industry forum \\\" href=\\\"documents\\/Circulars\\/Circular 13 of 2016- CIF Updates.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2016: Updates from the credit industry forum <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 12 of 2016 : Application, Registration and Renewal Fees \\\" href=\\\"documents\\/Circulars\\/1090AD NCR Circular 12 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 12 of 2016 : Application, Registration and Renewal Fees<\\/a><\\/p>\\r\\n<p>C<a title=\\\"Circular No. 8 of 2016 : The review of limitations on fees and interest\\r\\nrates regulations \\\" href=\\\"documents\\/Circulars\\/1051AD NCR CIRCULAR 8 OF 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">ircular No. 8 of 2016: The review of limitations on fees and interest rates regulations <\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 7 of 2016 : Debt Help System Enhancements \\\" href=\\\"documents\\/Circulars\\/Circular No7 DHS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 7 of 2016: Debt Help System Enhancements <\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">May 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0\\\" href=\\\"documents\\/Circulars\\/1060AD NCR Circular 9 Rev 2 (2).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 9 of 2016: Updating of Consumer Profiles at the Credit Bureaus\\u00a0<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">March 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 6 of 2016 - Payment of Debt Counsellor Fees\\\" href=\\\"documents\\/Circulars\\/Circular No6_Payments of Debt Counsellor fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 6 of 2016: Payment of Debt Counsellor Fees<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 5 of 2016: Payment of Debt Counselling Fees\\\" href=\\\"documents\\/Circulars\\/165 AD NCR Circulars of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 5 of 2016: Payment of Debt Counselling Fees<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape\\\" href=\\\"documents\\/Circulars\\/161AD NCR Circular 4 of 2016.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 04 of 2016: Change of NCR Workshop venue for Credit providers and Debt Counsellors in the Eastern Cape<\\/a><\\/p>\\r\\n<p><a title=\\\"Circular No.\\u00a02\\/ February 2016\\\" href=\\\"documents\\/Circulars\\/152AD NCR Circular2 297x210 Rev2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.\\u00a02\\/ February 2016: This circular is applicable to both credit bureaus and their independent auditors as a supplement to the existing guidelines - Guidelines No. 003\\/2009<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2016<\\/strong><\\/p>\\r\\n<p><a title=\\\"Circular No. 3 of 2016: Annual Renewal of Registration\\\" href=\\\"documents\\/Circulars\\/154AD NCR Circular 3 of 2016 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 3 of 2016: Annual Renewal of Registration<\\/a>\\u00a0<\\/p>\\r\\n<p><a title=\\\"Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.\\\" href=\\\"documents\\/Circulars\\/149AD NCR Circular 1 of 2016 297x210.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 1 of 2016: Transfer notice of the late Paul Nieuwoudt\'s clients.<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/circulars\\/Nov2015\\/3594 NCR Circular .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 15 of 2015: Transfer Notice of the files for Silas Mzukisi Tokwe - NCRDC2339<\\/a><\\/p>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">September 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No14Debt_Counselling_Compliance_Monitoring_Visits.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 14 of 2015: Debt Counselling compliance monitoring visits<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/No13_Notification_of_Change_in_Debt_Counsellor_Contact_Details.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No. 13 of 2015: Notification of change in Debt Counsellor contact details<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Sep15\\/DC_Information_Update_Form.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counsellor information update form<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">August 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/Aug2015\\/Return Of Funds - Circular 13-2015.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2015: Return of unallocated funds from Credit Providers\' suspense accounts<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/July2015\\/Circ 12-Aug20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 12 of 2015: Replacement of Registration Certificates<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">February 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Transfer%20Notice.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 07 of 2015:\\u00a0Transfer Notice of the Files for Johan Walter Van Zyl - NCRDC 36<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Fraud%20Circ%20(02-2015)1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 06 of 2015: Fraud or Unethical Behavior<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/TTA Guidelines Final .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2015\\/Withdrawal from debt review guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 002 of 2015: Withdrawal Guidelines<\\/a>\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">January 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circ 04-Jan15 - Proposed process for end balance differences.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 04 of 2015: \\u00a0Proposed Process for End Balance Differences<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Circular 3 of 2015 - Section 103(5) - Proposed Guidelines.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 03 of 2015: Sec 103(5) Proposed Guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Debt Review Task Team Agreements.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 02 of 2015: Debt Review Task Team Agreements<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2015\\/Industry DevTrends and Practices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 01 of 2015: Industry Developments, Trends and Practices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">December 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Cirular 18 Festive Breaks .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 18 of 2014: Debt Counselling Festive Breaks<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Compilation Registrants 16.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 16 of 2014: Compilation of Accurate Data on Registrants<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 15 - DCRS.PDF\\\">Circular No 15 of 2014: Debt Counselling Rules System<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/dec2014\\/Circular 14 - Termination Notices.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 14 of 2014: Section 86(10) Termination Notices<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">November 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2014\\/Circular (Voluntary Debt Mediation).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No 13 of 2014: Voluntary Debt Mediation<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong style=\\\"line-height: 15.8079996109009px;\\\">October\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/october14\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.11 of 2014 - Lapse Of Registration<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>September 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong><a href=\\\"documents\\/pages\\/circulars\\/sep2014\\/Circular Lapse of Reg.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular\\u00a0No.11 of 2014 : Lapse\\u00a0Of Registration<\\/a><\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>June\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/june2014\\/Circular (No.09-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.9 of 2014 : Digital Solutions Group (DSG) Queries<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>May\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular (No.08-2014).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.8 of 2014 : Update from Credit Industry Forum<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Circular no. 7 of 2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.7 of 2014 : Financial compliance monitoring tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/may2014\\/Final Monitoring Tool.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/Circular_5_of_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Circular No.5 of 2014 : Draft Compliance Monitoring Tool<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2014\\/MONITORING_TOOL_2014.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Monitoring Tool<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-size: 12.16px; line-height: 15.808px;\\\"><strong>March\\u00a02014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/Circulars\\/FAQ.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">FAQ<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>February 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/feb2014\\/Feb2014-Updates Credit Forum .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Updates credit forum<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>January 2014<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/jan2014\\/Registration Renewal Fees Circular.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration Renewal Fees Circular<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>November 2013<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/nov2013\\/No12-Nov-Finsense.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Finsense<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>April 2013<\\/strong>\\u00a0<\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular NO.02 0F 2013-FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT.PDF\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 02 OF 2013 FINAL DECISION ON CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/circulars\\/april2013\\/Circular 03 of 2013-Amended codes of conduct.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">CIRCULAR NO. 03 OF 2013 AMENDED CREDIT INDUSTRY CODES OF CONDUCT<\\/a><\\/li>\\r\\n<\\/ul> -->\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-03-28 13:33:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-09-15 08:22:38\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-09-15 08:16:03\",\"publish_up\":\"2019-03-28 13:33:08\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":46,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8314\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1014,39,1,'','2021-10-05 15:50:45',915,1930,'5a33dc7b9ebcd76283ad430084ec83a2c7ecfb2e','{\"id\":39,\"asset_id\":\"146\",\"title\":\"NCR BBBEE Certificate\",\"alias\":\"ncr-bbbee-certificate\",\"introtext\":\"<p><a href=\\\"documents\\/COR07-C2 - GENERIC SPECIALISED BEE Certificate - NCR.pdf\\\">Click here<\\/a> to view the NCR BBBEE CERTIFICATE<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"23\",\"created\":\"2019-04-11 09:28:11\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-05 15:50:45\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2021-10-05 15:47:57\",\"publish_up\":\"2019-04-11 09:28:11\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3100\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1021,120,1,'','2021-10-13 15:57:51',915,7387,'9b560be512468625ff80be64aed362eecf7175c3','{\"id\":120,\"asset_id\":277,\"title\":\"Mortgages growth holds steady \",\"alias\":\"mortgages-growth-holds-steady\",\"introtext\":\"<p align=\\\"right\\\"><strong>October 2021<\\/strong><\\/p>\\r\\n<p>The National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM). These reports are based on the data submitted to the NCR by registered credit providers and credit bureaus, respectively. The latest edition of the reports covers credit market information from April 2021 to June 2021. The total value of new credit granted increased by 5.81% quarter-on-quarter from R138.81 billion to R146.87 billion. The number of credit agreements entered into increased by 9.63% quarter-on-quarter from 3.20 million to 3.50 million.<br \\/> The following were some of the most significant trends observed in terms of credit granted for the quarter ended June 2021:<\\/p>\\r\\n<ul>\\r\\n<li>The value of new mortgages granted increased by R2.32 billion (4.27%) quarter-on-quarter and by R43.60 billion (335.77%) year-on-year.<\\/li>\\r\\n<li>Secured credit which is dominated by vehicle finance, increased by R2.23 billion (5.45%) quarter-on-quarter, and by R22.67 billion (110.50%) year-on-year.<\\/li>\\r\\n<li>Credit facilities increased by R1.18 billion (6.02%) quarter-on-quarter and by R11.33 billion (119.24%) year-on year.<\\/li>\\r\\n<li>Unsecured credit increased by R2.32 billion (11.51%) quarter-on-quarter and by R12.23 billion (119.71%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>The total outstanding consumer credit balances (or gross debtors book) as at June 2021 was R2.05 trillion, representing an increase of 0.95% quarter-on-quarter and of 4.64% year-on-year. The trends for outstanding balances for the quarter ended June 2021 were as follows:<\\/p>\\r\\n<ul>\\r\\n<li>Mortgages debtors book increased by R18.16 billion (1.74%) quarter\\u2013on-quarter and by R76.48 billion (7.77%) year-on-year.<\\/li>\\r\\n<li>Secured credit debtors book increased by R3.12 billion (0.68%) quarter-on-quarter and by R16.06 billion (3.62%) year-on-year.<\\/li>\\r\\n<li>Credit facilities debtors book increased by R1.53 billion (0.58%) quarter-on-quarter and by R8.66 billion (3.36%) year-on-year.<\\/li>\\r\\n<li>Unsecured credit debtors book decreased by R2.77 billion (1.30%) quarter-on-quarter and by R10.72 billion (4.85%) year-on-year.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Credit bureaus held records for 26.22 million credit-active consumers, which showed a decrease of 4.77% when compared to the 27.53 million in the previous quarter. Consumers classified in good standing decreased by 868,581 to 16.14 million consumers. This amounts to 61.59% of the total number of credit-active consumers. The number of credit-active accounts decreased from 85.09 million to 85.08 million in the quarter ended June 2021. The number of impaired accounts has decreased from 20.18 million (23.71%) to 19.86 million (23.34%) in June 2021, a decrease of 313,348 quarter-on-quarter and 796,144 year-on-year.<\\/p>\\r\\n<p>The number of credit reports issued to consumers increased from 584,437 to 588,018. A total of 548,150 (93.22%) credit reports were issued free of charge, and the balance of 39,868 (6.78%) were issued at a cost. There were 30,844 disputes lodged on information held on consumer credit records for the quarter ended June 2021.<\\/p>\\r\\n<p>It is by no doubt that, COVID-19 has had a financial impact on consumers as some have lost employment whilst others have had a reduction in their income. This has therefore; put a lot of strain to immediate families and even extended families. The NCR continues to encourage those consumers who are battling with their debts to use available debt relief mechanisms such as contacting one\\u2019s credit providers and re-negotiating payment terms, if this fails, consumers can consider debt counselling. A list of all registered debt counsellors is available on the NCR\\u2019s website (<a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> or by calling 0860 627 627). Credit life insurance is also an option to be considered where necessary. In order to know if you have credit life insurance, consumers should check their credit agreements or contact their credit providers for assistance, says Nomsa Motshegare, the Chief Executive Officer (CEO) of the NCR.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong><em>Comparisons in this release- \\u2018quarter-on-quarter\\u2019 refers to a comparison between the March and June 2021 quarters, and \\u2018year-on-year\\u2019 refers to a comparison between the June 2020 and June 2021 quarters<\\/em><\\/strong><strong>.<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong> <\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong> <br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Didi Sebothoma <br \\/> 064\\u00a0752 3910<br \\/> E-mail: <a href=\\\"mailto:nmahlangu@ncr.org.za\\\">dsebothoma@ncr.org.za<\\/a> <br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2021-10-13 15:57:51\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2021-10-13 15:57:51\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2021-10-13 15:57:51\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0);

INSERT INTO `zbk92_ucm_history` (`version_id`, `ucm_item_id`, `ucm_type_id`, `version_note`, `save_date`, `editor_user_id`, `character_count`, `sha1_hash`, `version_data`, `keep_forever`) VALUES (1226,24,1,'','2022-07-08 11:58:16',915,38566,'23e85aff0a2165f13a6b89edf8820b840041ac8b','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 11:58:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 11:55:44\",\"publish_up\":\"2019-03-27 14:00:25\",\"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\":79,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47106\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1227,24,1,'','2022-07-08 11:58:56',915,38572,'66cabdbd7efa30b9a245f5110e50c5d4e58309b2','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 11:58:56\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 11:58:16\",\"publish_up\":\"2019-03-27 14:00:25\",\"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\":80,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47107\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1228,24,1,'','2022-07-08 12:00:25',915,39729,'1fb0c207c7d55723e11d2050ef8c3212d9d7c3d9','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Sustainability Award (Green Industries and Greening the Economy)<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all green industries and business, which are in greening the economy, driving products and services seeking sustainability and sustainable environments. It aims to encourage South African companies to participate in industries using natural resources to prevent carbon emissions, climate change and ensure environmental conservation...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 12:00:25\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 11:58:56\",\"publish_up\":\"2019-03-27 14:00:25\",\"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\":81,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47108\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1229,24,1,'','2022-07-08 12:01:03',915,39725,'15ee22884efb080547cacf0263d118e99506e653','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Sustainability Award (Green Industries and Greening the Economy)<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all green industries and business, which are in greening the economy, driving products and services seeking sustainability and sustainable environments. It aims to encourage South African companies to participate in industries using natural resources to prevent carbon emissions, climate change and ensure environmental conservation...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Sustainability BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 12:01:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 12:00:25\",\"publish_up\":\"2019-03-27 14:00:25\",\"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\":82,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47109\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1230,24,1,'','2022-07-08 12:08:14',915,40707,'4cc0789cee9d89a559ee300653416aa3bb2ea337','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Women Black Industrialist Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises women owned companies trading in South Africa and women who demonstrate high levels of entrepreneurship. The company should be at least 51% black women owned and be in the services or manufacturing sectors.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Women BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Sustainability Award (Green Industries and Greening the Economy)<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all green industries and business, which are in greening the economy, driving products and services seeking sustainability and sustainable environments. It aims to encourage South African companies to participate in industries using natural resources to prevent carbon emissions, climate change and ensure environmental conservation...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Sustainability BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 12:08:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 12:01:03\",\"publish_up\":\"2019-03-27 14:00:25\",\"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\":83,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47112\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1231,24,1,'','2022-07-08 12:09:49',915,41648,'3b8023d3a63416d33623c121b9189f376e2015fa','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Young Black Industrialist Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises youth-owned legal companies trading in South Africa and young individuals who demonstrate high levels of entrepreneurship in the manufacturing or service industries.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Young BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Women Black Industrialist Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises women owned companies trading in South Africa and women who demonstrate high levels of entrepreneurship. The company should be at least 51% black women owned and be in the services or manufacturing sectors.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Women BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Sustainability Award (Green Industries and Greening the Economy)<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all green industries and business, which are in greening the economy, driving products and services seeking sustainability and sustainable environments. It aims to encourage South African companies to participate in industries using natural resources to prevent carbon emissions, climate change and ensure environmental conservation...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Sustainability BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-07-08 12:09:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-07-08 12:08:14\",\"publish_up\":\"2019-03-27 14:00:25\",\"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\":84,\"ordering\":\"38\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47114\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1238,70,1,'','2022-08-10 12:47:23',915,22205,'4a5cf096ef54e299fa06fc1686f13da3b7b334b9','{\"id\":70,\"asset_id\":\"200\",\"title\":\"Media Release\",\"alias\":\"media-release\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release - Debt counselling Campaign(August)-Final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling-a debt relief measure for over-indebted consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on credit bureau information Youth - 30 June 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Keep your credit bureau record clean regardless of the rising cost of living <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release _Social media advertising Debt Counselling- March 2022.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Misleading advertising on Social Media platforms regarding debt counselling <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Consumer Rights 2022 .pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer rights in the digital world <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2022<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release on borrow wisely - 2022 final.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers are encouraged to borrow wisely and start saving <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - SPEND WISELY WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be smart, mind your money, know your rights webinar <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Clarke Gardener.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Consumer Tribunal finds Mr. Clark Gardner, a director of Summit Financial Partners (Pty) Ltd, guilty of contravening the National Credit Act and his conditions of registration as a debt counsellor <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release Black Friday FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Lit Black Friday Vibes \\u2013 Don\\u2019t burn your budget! <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/media release Cards retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Press release October 2021 -.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Mortgages growth holds steady <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Looting destruction.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Looting mayhem has cost some consumers dearly<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Approved media release Debt counselling2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release Mens vs Finances 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Men and finances<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release June 2021.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit extension slows down<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media release June 2021- Youth and CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The importance of knowing your credit status<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">June 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt Relief - June 2021 (003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/4. Credit Ombud and NCR MoU.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2021_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let bad credit pollute your life<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2021<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Borrow Wisely Media Release FINAL.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Start the 2021 on a good note, spend wisely borrow wisely!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">December 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Spend wisely..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">2020 has been difficult for many, spend wisely for a better New Year<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">November 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Black Friday 2020..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid spending what you do not have on Black Friday!<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">October 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/press release October 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Covid-19 impact on credit extension<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA ADVISORY-CONSUMER RIGHTS WEBINAR (002).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">September 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/MEDIA RELEASE - CONSUMER RIGHTS WEBINAR-1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">August 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Debt counselling provides hope for those in need.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt counselling provides hope for those in need <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">July 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Options during COVID19.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Managing debt during COVID-19 times <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19- Credit Life Insurance..pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumers advised to use their credit life insurance for relief <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">April 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Media Release - Fake CPs and Upfront Payment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Be careful of \\\"fake\\\" credit provider scams during the covid-19 pandemic <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/COVID-19 Media Release.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Avoid panic buying as it may lead to over-indebtedness <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">March 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Consumer Rights - March 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Know your Consumer Rights and be protected <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td width=\\\"156\\\">January 2020<\\/td>\\r\\n<td width=\\\"826\\\"><a href=\\\"documents\\/Shoprite 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Appeal court confirms Shoprite granted credit recklessly to consumers <\\/a> \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Asia Lamara.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Asia Lamara\\u2019s registration as a debt counsellor cancelled <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2020<\\/td>\\r\\n<td><a href=\\\"documents\\/Borrow Wisely - January 2020.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit is expensive, be a smart consumer and borrow wisely! <\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Spend wisely - December 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely this festive season, January is a few weeks away! <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Black Friday - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Don\\u2019t let Black Friday lead to \\u201cBlacklisting\\u201d! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/CB Compliance Media Release - November 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator: Do not be duped to pay for free services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Release October 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Increase in credit extension <\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Debt Counselling - August.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consider debt counselling to defeat debt<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release July 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit.<\\/a>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2019<\\/td>\\r\\n<td><a href=\\\"documents\\/Standard Bank common law set-off judgment.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Card Retention.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulator urges consumers to collect their cards and identity documents from credit providers <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/VW on the road fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Eastern cape raid - Feb 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> If you have to borrow, borrow wisely! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2019 -<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams 2019.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a public warning against fake loan scams <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>December 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Spend Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Do not overdo it this festive season \\u2013 Spend Wisely!<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media release on decision of the SCA on MFSA application for special leave.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday - November1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t let Black Friday be the reason for your financial woes! <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>November 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release - Debt Counselling.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media Release 17 october.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The National Credit Regulator issues a public warning about Charis Financial Services <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2018<\\/td>\\r\\n<td><a href=\\\"documents\\/Press Relese oct 2018.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension seasonally surges <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Debt Counselling - SeptemberMedia Release (00000003).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">If you can no longer afford to pay your debts, debt counselling could be of help<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Media statement on Full Court judgment against MFSA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> The Full Bench of the North Gauteng High Court rules in favour of the dti and NCR in the MFSA review application on the interest rate on the short-term loan<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR -Lewis Stores_SCA Leave to Appeal.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Supreme Court of Appeal grants the National Credit Regulator leave to appeal the Lewis Stores judgment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/NCR issues warning against fake loan scams.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">8 NCR issues warning against fake loan scams<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR CBM Press Release June 2018_.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">J Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>April 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumer credit health improves.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Consumer credit health improves <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Consumerrights.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Know your rights - Do not to pay any upfront fees when applying for loans <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2018<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Borrow Wisely.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Avoid over-indebtedness and borrow wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Novemeber 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Black Friday and Festive spending.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Don\\u2019t shop till you drop on Black Friday - Spend Wisely <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>October 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/media Release VWFS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator issues a Compliance Notice to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers an on the road fee, admin fee and handling fee on credit agreements <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>September 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/SHOPRITE MEDIA RELEASE.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Tribunal finds Shoprite guilty of reckless lending <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>August 2017<\\/td>\\r\\n<td><a href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/CCMR  CBM Press Release March 2017_20170807.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Credit extension slows down <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>July 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Foschini.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Foschini Retail Group (Pty) Ltd to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Recession may affect consumers badly _ June 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> Recession may affect consumers badly<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/NCR appeals NCT Judgment in favour of Lewis Stores.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> NCR appeals NCT Judgment in favour of Lewis Stores<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>June 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Mr Price media statement.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"> National Credit Regulator refers Mr Price Group Limited to the National Consumer Tribunal for breach of the National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>May 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Medial Release on Allied Capital LM  15 May 2017.pdf\\\"> Tribunal declares Allied Capital (Pty) Ltd\\u2019s \\u201cpawn your car and still drive it\\u201d scheme unlawful and orders return of consumers\\u2019 cars<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights.pdf\\\"> National Credit Regulator and National Consumer Commission collaborate in enforcing consumer rights<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Theunissen release.pdf\\\">National Credit Regulator raids Nian Shun Trading in Theunissen<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>March 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA_RELEASE_unregistered_entities.pdf\\\"> The National Credit Regulator issues Compliance Notices to unregistered credit providers<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/MEDIA RELEASE -Eagle Cahs Loans.pdf\\\">The National Consumer Tribunal cancels the registration of Eagle Cash Loans for contravention of National Credit Act<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>February 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\"> Final Credit Life Insurance Regulations<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media release on set-off.pdf\\\">The National Credit Regulator applies for a declaratory order in the North Gauteng High Court<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>January 2017<\\/td>\\r\\n<td><a href=\\\"documents\\/Media Release - January 2017.pdf\\\">Borrow responsibly with the future in mind<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-08-06 08:17:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-08-10 12:47:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-08-10 12:45:04\",\"publish_up\":\"2019-08-06 08:17:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":71,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"15942\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1239,129,1,'','2022-08-10 12:50:16',915,10422,'8f395fdba8b2d7c3caddd37674afc7faa3affad0','{\"id\":129,\"asset_id\":286,\"title\":\"Debt counselling-a debt relief measure for over-indebted consumers \",\"alias\":\"debt-counselling-a-debt-relief-measure-for-over-indebted-consumers\",\"introtext\":\"<p align=\\\"right\\\"><strong> August 2022<\\/strong><\\/p>\\r\\n<p>Debt counselling was introduced by the National Credit Act as a voluntary debt relief measure to assist over-indebted consumers. A consumer is over-indebted if his\\/her income is not sufficient to cover all his\\/her living expenses and debt repayments. Various circumstances such as job loss, reduction of income, sickness, death, rising cost of living (petrol hikes, increase in food prices, electricity, etc.) and others are often the main contributors for consumer over-indebtedness. Consumers who are experiencing financial distress should not ignore their debt obligations, they need to approach credit providers and communicate their financial position and negotiate reasonable repayment options. If this attempt fails, consumers are encouraged to consider debt counselling and approach a registered debt counsellor who will on their behalf negotiate reasonable repayment terms informed by what the consumer can afford with the credit providers, says Adv. Kedilatile Legodi, Manager: Debt Counselling at the National Credit Regulator(NCR).<\\/p>\\r\\n<p>The concept of debt counselling is often misunderstood by many, as a result consumers miss out on the benefits and the protection that debt counselling offer. In addition, there is a high number of false and misleading debt counselling marketing practices noted by the NCR either online, social media or telephonic with the sole intent of exploiting unsuspecting and financially distressed consumers. Some of these marketing practices, promise a certain percentage of debt reduction (even prior to a financial assessment), savings or consolidation. If it sounds too good to be true, it probably is, warns Adv. Legodi.<\\/p>\\r\\n<p>Consumers are advised to be aware of false and misleading practices and to not fall victim particularly if approached. Understanding the debt counselling process from end to end, the consequences, the applicable fees charged, when, where and how to pay such fees, the various steps of the process, the prescribed timelines, the provisions to exit debt counselling and others are important elements that the consumer must ensure knowledge of before signing on the dotted line.<\\/p>\\r\\n<p>Debt counselling is only conducted by a debt counsellor registered with the NCR. In terms of the National Credit Act, debt counsellors are registered as individuals and not as a juristic person\\/company. Therefore, a financially distressed consumer seeking the services of a debt counsellor, must ensure that he\\/she knows the full details of the debt counsellor offering to assist. This includes the debt counsellors name and surname, place of practice and the NCR registration number which is issued upon registration by the NCR. Even if the debt counsellor is operating using a business\\/trading name, the consumer has a right to be provided this information. To verify the registration of a debt counsellor with the NCR, please visit <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> or send an email to <a href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a>.<\\/p>\\r\\n<p>Adv. Legodi further provides clarity on the question that often comes up, when is a consumer under debt counselling? A consumer is considered to be under debt counselling when he\\/she has applied for debt counselling in a prescribed manner as set out in the National Credit Act. A duly completed and signed application form (referred to as Form 16) or a clear record of when the consumer furnished all information\\/documentation to the debt counsellor is used to prove that a consumer is under debt counselling. It is for this reason, that consumers are advised to ensure understanding of the debt counselling process before finalisation of the application. Consumers should not succumb to the pressure of signing the application if unsure. For a detailed explanation of the debt counselling process, consumers are advised to visit the NCR website at <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a> .<\\/p>\\r\\n<p>Some important factors to consider:<\\/p>\\r\\n<ul>\\r\\n<li>There is a difference between debt counselling and debt consolidation. Debt consolidation offers the consumer one loan to pay off all debts. This will result in the reduction of the consumer\\u2019s multiple payments into one single monthly payment to the credit provider that has granted the consolidation loan.<\\/li>\\r\\n<li>If approached and offered debt counselling, insist on getting clarity from the caller regarding their source of information or where they received your contact details and do your homework first before you commit to what is being offered.<\\/li>\\r\\n<li>Debt counselling does not cancel debt, it helps consumers to make reduced payments using disposable income and without having to borrow more money.<\\/li>\\r\\n<li>If under debt counselling you will be paying reduced amounts, as a result the repayment period of your debt may increase and you will take longer to pay off your debts. However, you will still enjoy the legal protection against enforcement of debt by credit providers as long as you continue making payments as agreed.<\\/li>\\r\\n<li>Debt counselling is not a savings plan, it is a measure intended to provide relief for over-indebted consumers. Anyone saying even if you are not over-indebted you can apply, please note that this is misleading and do not do any business with such an individual, they do not have your best intentions at heart.<\\/li>\\r\\n<li>When under debt counselling, you cannot apply for further credit until you have repaid your debts and have been issued with a clearance certificate.<\\/li>\\r\\n<li>If you apply for debt counselling, a debt counselling flag\\/indicator will be displayed on your credit profile at the credit bureau until a clearance certificate is issued by the debt counsellor.<\\/li>\\r\\n<li>If you are married in community of property, you must jointly apply for debt counselling with your spouse.<\\/li>\\r\\n<li>Debt counselling is not a free service\\u2013visit the NCR website on <a href=\\\"documents\\/debt%20counselling%20fee%20structure%20guideline.pdf\\\">https:\\/\\/www.ncr.org.za\\/documents\\/debt%20counselling%20fee%20structure%20guideline.pdf<\\/a> \\u00a0for a fee guideline and request a written disclosure of applicable fees prior to applying for debt counselling from your debt counsellor.<\\/li>\\r\\n<li>Do not give\\/pay the debt counsellor money to pay your credit providers. You can either pay your credit providers directly or use a Payment Distribution Agent.<\\/li>\\r\\n<li>If your debt counsellor is un-contactable, please contact the NCR immediately for assistance.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>If consumers wish to lodge a complaint against a debt counsellor, credit provider, credit bureaus or a payment distribution agent they may send the complaint to <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a>. To get a list of registered debt counsellors operating closer to work or residential area, consumers are advised to visit <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a>. Given the current economic climate, many consumers will undoubtedly find it difficult to cope and manage contractual repayments, please do not despair, be proactive, do not be pressurized, address your financial hardships by seeking more information on the debt counselling process and gain a thorough understanding because an informed consumer is a protected one, concludes Adv. Legodi.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information, contact:<\\/strong><br \\/> Media Office: <a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a> <br \\/> Or<br \\/> Didi Sebothoma<br \\/> 064\\u00a0752 3910<br \\/> E-mail: Didi Sebothoma:<br \\/> Website: <a href=\\\"http:\\/\\/www.ncr.org.za\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2022-08-10 12:50:16\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-08-10 12:50:16\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2022-08-10 12:50:16\",\"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),(1240,24,1,'','2022-08-10 12:53:23',915,42623,'b1476b8df61f283b1ef867c916e74ca0c61da3cf','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling-a debt relief measure for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Debt counselling was introduced by the National Credit Act as a voluntary debt relief measure to assist over-indebted consumers. A consumer is over-indebted if his\\/her income is not sufficient to cover...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=129&amp;catid=8\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Young Black Industrialist Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises youth-owned legal companies trading in South Africa and young individuals who demonstrate high levels of entrepreneurship in the manufacturing or service industries.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Young BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Women Black Industrialist Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises women owned companies trading in South Africa and women who demonstrate high levels of entrepreneurship. The company should be at least 51% black women owned and be in the services or manufacturing sectors.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Women BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Sustainability Award (Green Industries and Greening the Economy)<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all green industries and business, which are in greening the economy, driving products and services seeking sustainability and sustainable environments. It aims to encourage South African companies to participate in industries using natural resources to prevent carbon emissions, climate change and ensure environmental conservation...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Sustainability BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-08-10 12:53:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-08-10 12:50:56\",\"publish_up\":\"2019-03-27 14:00:25\",\"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\":85,\"ordering\":\"39\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"50284\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(1241,24,1,'','2022-08-10 12:54:12',915,42627,'b85566c63d85d8ffead998b35673219e4ffaf050','{\"id\":24,\"asset_id\":\"123\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"introtext\":\"<div style=\\\"background: #dbdbdb; padding: 10px;\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling-a debt relief measure for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Debt counselling was introduced by the National Credit Act as a voluntary debt relief measure to assist over-indebted consumers. A consumer is over-indebted if his\\/her income is not sufficient to cover...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=129&amp;catid=8\\\">Read More...<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Young Black Industrialist Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises youth-owned legal companies trading in South Africa and young individuals who demonstrate high levels of entrepreneurship in the manufacturing or service industries.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Young BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Women Black Industrialist Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises women owned companies trading in South Africa and women who demonstrate high levels of entrepreneurship. The company should be at least 51% black women owned and be in the services or manufacturing sectors.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Women BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Sustainability Award (Green Industries and Greening the Economy)<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all green industries and business, which are in greening the economy, driving products and services seeking sustainability and sustainable environments. It aims to encourage South African companies to participate in industries using natural resources to prevent carbon emissions, climate change and ensure environmental conservation...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Sustainability BI entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Job Creation Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises companies operating in strategic sectors of the economy, which has created massive jobs through products or services they provide. It aims to encourage South African...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Job creation Black Industrialist final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Information consent and indemnity form - Black Industrialist and Exporters Awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">the dtic limits the use and disclosure of personal information in its possession to the terms of the Protection of Personal Information Act 4 of 2013 (POPIA) or any other applicable laws.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Information consent and indemnity form - Black Industrialist and Exporters Awards final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - call for entries : black industrialists and exporters awards<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">It is with great pleasure that we call for entries to the Inaugural Black Industrialists and Exporters Awards.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Cover Letter - Call for Entries Black Industrialists and Exporters Awards.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Black Industrialist and Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/Black Industrialists entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Black Industrialist and Exporters Conference - Exporters Award<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This award recognises all export industry sectors from services to manufacturing. It aims to encourage other South African companies to participate in international business development or markets.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 5px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"documents\\/BI Exporter entry form final.pdf\\\">download<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Keep your credit bureau record clean regardless of the rising cost of living<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Despite the interest rate hike and the rising cost of living, the National Credit Regulator (NCR) encourages consumers, in particular the youth who have already signed credit agreements to continuously pay their monthly accounts on time and in full...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=128&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Misleading advertising on Social Media platforms regarding debt counselling<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) has in recent times noted advertising practices by debt counsellors and unregistered persons that are misleading and deceptive, unlawful and contrary to the provisions of the National Credit Act and its regulations, causing harm and distress to unsuspecting consumers.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=127&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumer rights in the digital world<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">On 15 March 2022, the National Credit Regulator (NCR) will join the world in commemorating the World Consumer Rights Day (WCRD) to raise awareness about consumer rights in terms of the National Credit Act. The international theme for World Consumer Rights Day 2022 is Fair Digital Finance, whilst the South African Government has adopted \\u201c#BetterDigitalWorld\\u201d as its theme.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=126&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Consumers are encouraged to borrow wisely and start saving<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Credit Regulator (NCR) encourages consumers to make savings one of their New Year\\u2019s resolutions in order to avoid borrowing all the time and to avoid over-indebtedness. The festive season has come and gone, leaving some consumers...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=125&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">It is illegal for a credit provider to take a consumer\\u2019s ID or cards when granting credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">\\u201cIn terms of the National Credit Act, it is illegal for credit providers to retain consumers\\u2019 instruments such as identity documents (IDs), and bank cards when granting credit. This is the modus operandi adopted by some credit providers to enforce credit agreements entered into with consumers\\u201d..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=121&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Looting mayhem has cost some consumers dearly<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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..<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=119&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling offers new lease of life for over-indebted consumers<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=118&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Men and finances<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=117&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Alternative Data Landscape in South Africa<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"http:\\/\\/www.ncr.org.za\\/documents\\/Alternative%20Data%20Landscape%20in%20South%20Africa%2024.6.21.pdf\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Credit extension slows down<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=115&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The National Credit Regulator warns against false information on the National Credit Amendment Act relating to \\u201cDebt Intervention\\u201d<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=112&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The NCR and the Credit Ombud rowing together in the same boat.<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=111&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Industry Communique for issuing 1 Febr 2021<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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...<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=110&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Covid-19 impact on credit extension<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=104&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media advisory cosumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies,<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=103&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Media release consumer rights webinar - Consumer protection matters to come under spotlight during the dtic dialogue<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">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 (the dtic) in conjunction with its agencies<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php?option=com_content&amp;view=article&amp;id=102&amp;catid=8\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Debt counselling provides hope for those in need<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/88-debt-counselling-provides-hope-for-those-in-need\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div class=\\\" portlet-content-container\\\">\\r\\n<div class=\\\"portlet-body\\\">\\r\\n<div class=\\\"journal-content-article\\\">\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Avoid panic buying as it may lead to over-indebtedness<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Many South Africans are overwhelmed, living in fear and anxiety because of the rapid escalation of the COVID-19 (Coronavirus) which presents an unprecedented threat to South Africa and the world at large. In recent times, we have seen many consumers resorting to panic buying of essential items as the fear of the Coronavirus spreads.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/76-avoid-panic-buying-as-it-may-lead-to-over-indebtedness\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Know your Consumer Rights and be protected<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">March is Human Rights month and has also been adopted as a Consumer Rights month in South Africa. The 15th of March has been declared World Consumer Rights Day (WCRD) and consumer rights will be celebrated world-wide.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/75-know-your-consumer-rights-and-be-protected\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Tribunal rules that child support and foster care grants cannot be used as consumer\\u2019s income to apply for credit<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) yesterday handed down judgment in favour of the National Credit Regulator (NCR) against a Aristoscan CC, a micro lender trading as JMK Cash Loans, in which it found JMK Cash Loans guilty of various contraventions of the National Credit Act (the Act), including reckless lending.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/8-latest-news\\/69-the-tribunal-rules-that-child-support-and-foster-care-grants-cannot-be-used-as-consumer-s-income-to-apply-for-credit\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The High Court rules in favour of the NCR that set-off does not apply to credit agreements subject to the National Credit Act<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The High Court in Johannesburg has ruled in favour of the National Credit Regulator (NCR) against Standard Bank that the common law set-off does not apply to credit agreements subject to the National Credit Act (NCA). This follows an application for a declaratory order brought by the NCR against Standard Bank seeking legal clarity on the effect of section 124 of the NCA on the common law set-off.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/68-the-high-court-rules-in-favour-of-the-ncr-that-set-off-does-not-apply-to-credit-agreements-subject-to-the-national-credit-act\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Tribunal finds that the on the road fee, admin fee and handling fee charged by Volkswagen Financial Services South Africa (Pty) Ltd on credit agreements are unlawful<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The National Consumer Tribunal (Tribunal) has handed down judgment confirming a Compliance Notice issued by the National Credit Regulator (NCR) to Volkswagen Financial Services South Africa (Pty) Ltd for charging consumers the \\u201con the road\\u201d fee, admin fee and handling fee on credit agreements.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/55-tribunal-finds-that-the-on-the-road-fee-admin-fee-and-handling-fee-charged-by-volkswagen-financial-services-south-africa-pty-ltd-on-credit-agreements-are-unlawful\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 0px 0px 10px;\\\">Credit extension seasonally surges<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">Today, the National Credit Regulator (NCR) released the Consumer Credit Market Report (CCMR) and the Credit Bureau Monitor (CBM), which are based on data submitted to the NCR by registered credit providers and credit bureaus respectively. The latest edition of the reports covers credit market information up to June 2018. The total value of new credit granted increased by 8.25% quarter-on-quarter from R121.62 billion to R131.65 billion. The number of applications for credit increased by 5.79% quarter-on-quarter from 10.49 million in March 2018 to 11.10 million in June 2018.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/61-credit-extension-seasonally-surges\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">If you have to borrow, borrow wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The festive season is over and reality has dawned that we are in a new year which is meant to at least bring all things new. Unfortunately, if consumers did not spend wisely during last year, this will mean that they will have to start the year on a tough note with taking out credit being the only option for some. Didi Sebothoma, Acting Manager: Education &amp; Communication at the National Credit regulator (NCR) says there are many reasons why consumers might need to borrow at this time of the year.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/2-if-you-have-to-borrow-borrow-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">National Credit Regulator issues a public warning against fake loan scams<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">[JOHANNESBURG] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.These scams typically target those who are in distressed financial circumstances and looking for a loan, using slogans such as \\u201cblacklisted\\u201d or \\u201cdebt review clients welcome\\u201d says Jacqueline Peters, Manager: Investigations and Enforcement at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/3-national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">Do not overdo it this festive season \\u2013 Spend Wisely!<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">This year has been quiet a difficult one for some people as we have seen the petrol price hikes, VAT increases, interest rate increases, electricity increases etc making the cost of living very difficult for consumers whilst the total outstanding gross debtors book for consumer credit was R1.80 trillion as at June 2018, says Jimmy Golele, Acting Manager: Education &amp; Communication at the NCR.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/56-do-not-overdo-it-this-festive-season-spend-wisely\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div style=\\\"float: left; width: 100%; height: 70%; background-color: #fff; border: 1px solid #f47f22; margin: 1px 20px 20px 0;\\\">\\r\\n<p style=\\\"color: #f7921e; ; font-weight: bold; padding: 0px 10px 0px 10px;\\\">The Supreme Court of Appeal dismisses the MFSA\\u2019s application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court on the interest rate regulations<\\/p>\\r\\n<!--<p style=\\\"padding-right: 6px; padding-left: 10px;\\\"><em>Date: 28-02-2019<\\/em><\\/p>-->\\r\\n<p style=\\\"padding-right: 6px; padding-left: 10px;\\\">The Supreme Court of Appeal has on 08th November 2018 dismissed the MicroFinance South Africa\\u2019s (MFSA) application for special leave to appeal the judgment of the Full Court of the North Gauteng High Court in favour of the National Credit Regulator (NCR) and Department of Trade and Industry (dti) on the regulations reducing the interest rates on the short-term loan.<\\/p>\\r\\n<div style=\\\"loat: left; margin: 0px 0 0px 10px; background-color: #f7921e; border-radius: 5px; width: 100px;\\\">\\r\\n<p style=\\\"padding: 0px 0px 0px 5px;\\\"><a style=\\\"color: #fff; text-decoration: none;\\\" href=\\\"index.php\\/latest-news\\/8-latest-news\\/57-the-supreme-court-of-appeal-dismisses-the-mfsa-s-application-for-special-leave-to-appeal-the-judgment-of-the-full-court-of-the-north-gauteng-high-court-on-the-interest-rate-regulations\\\">Read more....<\\/a><\\/p>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<div id=\\\"backnewsbottom\\\"><!--<p class=\\\"backbottom\\\"><a href=\\\"..\\/web\\/department-of-transport\\/news-archive\\\">News Archive<\\/a><\\/p>-->\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=105&amp;catid=2\\\">More Articles...<\\/a><\\/p>\\r\\n<!--<p class=\\\"backbottom\\\">{loadmodule mod_articles_category,News listing}<\\/p>--><\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\\r\\n<\\/div>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-27 14:00:25\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2022-08-10 12:54:12\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2022-08-10 12:53:23\",\"publish_up\":\"2019-03-27 14:00:25\",\"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\":86,\"ordering\":\"39\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"50286\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),