-- Table structure for table `zbk92_phocadownload_file_votes`
--

CREATE TABLE `zbk92_phocadownload_file_votes` (
  `id` int(11) NOT NULL AUTO_INCREMENT,
  `fileid` int(11) NOT NULL DEFAULT '0',
  `userid` int(11) NOT NULL DEFAULT '0',
  `date` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `rating` tinyint(1) NOT NULL DEFAULT '0',
  `published` tinyint(1) NOT NULL DEFAULT '0',
  `checked_out` int(11) unsigned NOT NULL DEFAULT '0',
  `checked_out_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `ordering` int(11) NOT NULL DEFAULT '0',
  `params` text,
  `language` char(7) NOT NULL DEFAULT '',
  PRIMARY KEY (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_phocadownload_file_votes`
--


--
-- Table structure for table `zbk92_phocadownload_file_votes_statistics`
--

CREATE TABLE `zbk92_phocadownload_file_votes_statistics` (
  `id` int(11) NOT NULL AUTO_INCREMENT,
  `fileid` int(11) NOT NULL DEFAULT '0',
  `count` int(11) NOT NULL DEFAULT '0',
  `average` float(8,6) NOT NULL DEFAULT '0.000000',
  `language` char(7) NOT NULL DEFAULT '',
  PRIMARY KEY (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_phocadownload_file_votes_statistics`
--


--
-- Table structure for table `zbk92_phocadownload_layout`
--

CREATE TABLE `zbk92_phocadownload_layout` (
  `id` int(11) NOT NULL AUTO_INCREMENT,
  `categories` text,
  `category` text,
  `file` text,
  `checked_out` int(11) unsigned NOT NULL DEFAULT '0',
  `checked_out_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `params` text,
  PRIMARY KEY (`id`)
) ENGINE=InnoDB AUTO_INCREMENT=2 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_phocadownload_layout`
--

INSERT INTO `zbk92_phocadownload_layout` (`id`, `categories`, `category`, `file`, `checked_out`, `checked_out_time`, `params`) VALUES (1,'<div class=\"pd-categoriesbox\">\r\n<div class=\"pd-title\">{pdtitle}</div>\r\n{pdsubcategories}\r\n{pdclear}\r\n</div>','<div class=\"pd-filebox\">\r\n{pdfiledesctop}\r\n{pdfile}\r\n<div class=\"pd-buttons\">{pdbuttondownload}</div>\r\n<div class=\"pd-buttons\">{pdbuttondetails}</div>\r\n<div class=\"pd-buttons\">{pdbuttonpreview}</div>\r\n<div class=\"pd-buttons\">{pdbuttonplay}</div>\r\n<div class=\"pd-mirrors\">{pdmirrorlink2} {pdmirrorlink1}</div>\r\n<div class=\"pd-rating\">{pdrating}</div>\r\n<div class=\"pd-tags\">{pdtags}</div>\r\n{pdfiledescbottom}\r\n<div class=\"pd-cb\"></div>\r\n</div>','<div class=\"pd-filebox\">\r\n{pdimage}\r\n{pdfile}\r\n{pdfilesize}\r\n{pdversion}\r\n{pdlicense}\r\n{pdauthor}\r\n{pdauthoremail}\r\n{pdfiledate}\r\n{pddownloads}\r\n{pddescription}\r\n{pdfeatures}\r\n{pdchangelog}\r\n{pdnotes}\r\n<div class=\"pd-mirrors\">{pdmirrorlink2} {pdmirrorlink1}</div>\r\n<div class=\"pd-report\">{pdreportlink}</div>\r\n<div class=\"pd-rating\">{pdrating}</div>\r\n<div class=\"pd-tags\">{pdtags}</div>\r\n<div class=\"pd-cb\"></div>\r\n</div>',0,'0000-00-00 00:00:00',NULL);

--
-- Table structure for table `zbk92_phocadownload_licenses`
--

CREATE TABLE `zbk92_phocadownload_licenses` (
  `id` int(11) NOT NULL AUTO_INCREMENT,
  `title` varchar(255) NOT NULL DEFAULT '',
  `alias` varchar(255) NOT NULL DEFAULT '',
  `description` text,
  `checked_out` int(11) unsigned NOT NULL DEFAULT '0',
  `checked_out_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `published` tinyint(1) NOT NULL DEFAULT '0',
  `ordering` int(11) NOT NULL DEFAULT '0',
  `language` char(7) NOT NULL DEFAULT '',
  PRIMARY KEY (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_phocadownload_licenses`
--


--
-- Table structure for table `zbk92_phocadownload_logging`
--

CREATE TABLE `zbk92_phocadownload_logging` (
  `id` int(11) unsigned NOT NULL AUTO_INCREMENT,
  `fileid` int(11) NOT NULL DEFAULT '0',
  `catid` int(11) NOT NULL DEFAULT '0',
  `userid` int(11) NOT NULL DEFAULT '0',
  `ip` varchar(20) NOT NULL DEFAULT '',
  `page` varchar(255) NOT NULL,
  `date` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `type` tinyint(1) NOT NULL DEFAULT '0',
  `params` text NOT NULL,
  PRIMARY KEY (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_phocadownload_logging`
--


--
-- Table structure for table `zbk92_phocadownload_styles`
--

CREATE TABLE `zbk92_phocadownload_styles` (
  `id` int(11) NOT NULL AUTO_INCREMENT,
  `title` varchar(255) NOT NULL DEFAULT '',
  `alias` varchar(255) NOT NULL DEFAULT '',
  `filename` varchar(255) NOT NULL DEFAULT '',
  `menulink` text,
  `type` tinyint(1) NOT NULL DEFAULT '0',
  `published` tinyint(1) NOT NULL DEFAULT '0',
  `checked_out` int(11) unsigned NOT NULL DEFAULT '0',
  `checked_out_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `ordering` int(11) NOT NULL DEFAULT '0',
  `params` text,
  `language` char(7) NOT NULL DEFAULT '',
  PRIMARY KEY (`id`)
) ENGINE=InnoDB AUTO_INCREMENT=7 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_phocadownload_styles`
--

INSERT INTO `zbk92_phocadownload_styles` (`id`, `title`, `alias`, `filename`, `menulink`, `type`, `published`, `checked_out`, `checked_out_time`, `ordering`, `params`, `language`) VALUES (1,'Phocadownload','phocadownload','phocadownload.css',NULL,1,1,0,'0000-00-00 00:00:00',1,NULL,'*'),(2,'Rating','rating','rating.css',NULL,1,1,0,'0000-00-00 00:00:00',2,NULL,'*'),(3,'Button','button','button.css',NULL,1,0,0,'0000-00-00 00:00:00',3,NULL,'*'),(4,'Button (Rounded Corners)','','buttonrc.css',NULL,1,0,0,'0000-00-00 00:00:00',4,NULL,'*'),(5,'Default','default','default.css',NULL,2,1,0,'0000-00-00 00:00:00',1,NULL,'*'),(6,'Bootstrap','','bootstrap.min.css',NULL,1,0,0,'0000-00-00 00:00:00',5,NULL,'*');

--
-- Table structure for table `zbk92_phocadownload_tags`
--

CREATE TABLE `zbk92_phocadownload_tags` (
  `id` int(11) NOT NULL AUTO_INCREMENT,
  `title` varchar(255) NOT NULL DEFAULT '',
  `alias` varchar(255) NOT NULL DEFAULT '',
  `link_ext` varchar(255) NOT NULL DEFAULT '',
  `link_cat` int(11) unsigned NOT NULL DEFAULT '0',
  `description` text,
  `published` tinyint(1) NOT NULL DEFAULT '0',
  `checked_out` int(11) unsigned NOT NULL DEFAULT '0',
  `checked_out_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `ordering` int(11) NOT NULL DEFAULT '0',
  `params` text,
  `language` char(7) NOT NULL DEFAULT '',
  PRIMARY KEY (`id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_phocadownload_tags`
--


--
-- Table structure for table `zbk92_phocadownload_tags_ref`
--

CREATE TABLE `zbk92_phocadownload_tags_ref` (
  `id` bigint(20) unsigned NOT NULL AUTO_INCREMENT,
  `fileid` int(11) NOT NULL DEFAULT '0',
  `tagid` int(11) NOT NULL DEFAULT '0',
  PRIMARY KEY (`id`),
  UNIQUE KEY `id` (`id`),
  UNIQUE KEY `i_fileid` (`fileid`,`tagid`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_phocadownload_tags_ref`
--


--
-- Table structure for table `zbk92_phocadownload_user_stat`
--

CREATE TABLE `zbk92_phocadownload_user_stat` (
  `id` int(11) NOT NULL AUTO_INCREMENT,
  `fileid` int(11) NOT NULL DEFAULT '0',
  `userid` int(11) NOT NULL DEFAULT '0',
  `count` int(11) NOT NULL DEFAULT '0',
  `date` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `published` tinyint(1) NOT NULL DEFAULT '0',
  `ordering` int(11) NOT NULL DEFAULT '0',
  `language` char(7) NOT NULL DEFAULT '',
  PRIMARY KEY (`id`)
) ENGINE=InnoDB AUTO_INCREMENT=1886 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_phocadownload_user_stat`
--

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--
-- Table structure for table `zbk92_phocamaps_icon`
--

CREATE TABLE `zbk92_phocamaps_icon` (
  `id` int(11) unsigned NOT NULL AUTO_INCREMENT,
  `title` varchar(250) NOT NULL DEFAULT '',
  `alias` varchar(255) NOT NULL DEFAULT '',
  `url` text,
  `urls` text,
  `object` varchar(255) NOT NULL DEFAULT '',
  `objects` varchar(255) NOT NULL DEFAULT '',
  `objectshape` varchar(255) NOT NULL DEFAULT '',
  `published` tinyint(1) NOT NULL DEFAULT '0',
  `checked_out` int(11) unsigned NOT NULL DEFAULT '0',
  `checked_out_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `ordering` int(11) NOT NULL DEFAULT '0',
  `access` tinyint(3) unsigned NOT NULL DEFAULT '0',
  `hits` int(11) NOT NULL DEFAULT '0',
  `params` text,
  `language` char(7) NOT NULL DEFAULT '',
  PRIMARY KEY (`id`)
) ENGINE=MyISAM AUTO_INCREMENT=7 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_phocamaps_icon`
--

INSERT INTO `zbk92_phocamaps_icon` (`id`, `title`, `alias`, `url`, `urls`, `object`, `objects`, `objectshape`, `published`, `checked_out`, `checked_out_time`, `ordering`, `access`, `hits`, `params`, `language`) VALUES (1,'Tree','tree','https://maps.google.com/mapfiles/ms/icons/tree.png','https://maps.google.com/mapfiles/ms/icons/tree.shadow.png','','59,32;0,0;16,34','rect;0,0,25,30',1,0,'0000-00-00 00:00:00',1,1,0,'',''),(2,'Pushpin','pushpin','https://maps.google.com/mapfiles/ms/icons/red-pushpin.png','','','','rect;0,0,25,30',1,0,'0000-00-00 00:00:00',2,1,0,'',''),(3,'Blue Dot','blue-dot','https://maps.google.com/mapfiles/ms/icons/blue-dot.png','','','','rect;0,0,25,30',1,0,'0000-00-00 00:00:00',3,1,0,'',''),(4,'Flag','flag','https://maps.google.com/mapfiles/ms/icons/flag.png','https://maps.google.com/mapfiles/ms/icons/flag.shadow.png','','59,32;0,0;16,34','rect;0,0,25,30',1,0,'0000-00-00 00:00:00',3,1,0,'',''),(5,'Info','info','https://maps.google.com/mapfiles/ms/icons/info.png','https://maps.google.com/mapfiles/ms/icons/info.shadow.png','','59,32;0,0;16,34','rect;0,0,25,30',1,0,'0000-00-00 00:00:00',5,1,0,'',''),(6,'Snack Bar','snack-bar','https://maps.google.com/mapfiles/ms/icons/snack_bar.png','https://maps.google.com/mapfiles/ms/icons/snack_bar.shadow.png','','59,32;0,0;16,34','rect;0,0,32,30',1,0,'0000-00-00 00:00:00',6,1,0,'','');

--
-- Table structure for table `zbk92_phocamaps_map`
--

CREATE TABLE `zbk92_phocamaps_map` (
  `id` int(11) NOT NULL AUTO_INCREMENT,
  `title` varchar(255) NOT NULL DEFAULT '',
  `alias` varchar(255) NOT NULL DEFAULT '',
  `width` int(5) NOT NULL DEFAULT '0',
  `height` int(5) NOT NULL DEFAULT '0',
  `latitude` varchar(20) NOT NULL DEFAULT '',
  `longitude` varchar(20) NOT NULL DEFAULT '',
  `zoom` int(3) NOT NULL DEFAULT '0',
  `lang` varchar(6) NOT NULL DEFAULT '',
  `border` tinyint(1) NOT NULL DEFAULT '0',
  `continuouszoom` tinyint(1) NOT NULL DEFAULT '0',
  `doubleclickzoom` tinyint(1) NOT NULL DEFAULT '0',
  `scrollwheelzoom` tinyint(1) NOT NULL DEFAULT '0',
  `zoomcontrol` tinyint(1) NOT NULL DEFAULT '0',
  `scalecontrol` tinyint(1) NOT NULL DEFAULT '0',
  `typeid` tinyint(1) NOT NULL DEFAULT '0',
  `typecontrol` tinyint(1) NOT NULL DEFAULT '0',
  `typecontrolposition` tinyint(1) NOT NULL DEFAULT '0',
  `collapsibleoverview` tinyint(1) NOT NULL DEFAULT '0',
  `dynamiclabel` tinyint(1) NOT NULL DEFAULT '0',
  `googlebar` tinyint(1) NOT NULL DEFAULT '0',
  `displayroute` tinyint(1) NOT NULL DEFAULT '0',
  `kmlfile` varchar(255) NOT NULL DEFAULT '',
  `custom_options` varchar(255) NOT NULL DEFAULT '',
  `map_styles` text,
  `description` text,
  `published` tinyint(1) NOT NULL DEFAULT '0',
  `checked_out` int(11) unsigned NOT NULL DEFAULT '0',
  `checked_out_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `ordering` int(11) NOT NULL DEFAULT '0',
  `access` tinyint(3) unsigned NOT NULL DEFAULT '0',
  `hits` int(11) NOT NULL DEFAULT '0',
  `params` text,
  `language` char(7) NOT NULL DEFAULT '',
  PRIMARY KEY (`id`),
  KEY `cat_idx` (`published`,`access`),
  KEY `idx_access` (`access`),
  KEY `idx_checkout` (`checked_out`)
) ENGINE=MyISAM AUTO_INCREMENT=2 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_phocamaps_map`
--

INSERT INTO `zbk92_phocamaps_map` (`id`, `title`, `alias`, `width`, `height`, `latitude`, `longitude`, `zoom`, `lang`, `border`, `continuouszoom`, `doubleclickzoom`, `scrollwheelzoom`, `zoomcontrol`, `scalecontrol`, `typeid`, `typecontrol`, `typecontrolposition`, `collapsibleoverview`, `dynamiclabel`, `googlebar`, `displayroute`, `kmlfile`, `custom_options`, `map_styles`, `description`, `published`, `checked_out`, `checked_out_time`, `ordering`, `access`, `hits`, `params`, `language`) VALUES (1,'National Credit Regulator','national-credit-regulator',0,0,'-25.9640177','28.1333455',13,'Englis',2,0,1,1,1,1,1,1,1,0,0,0,1,'','','','',1,0,'0000-00-00 00:00:00',1,1,0,NULL,'*');

--
-- Table structure for table `zbk92_phocamaps_marker`
--

CREATE TABLE `zbk92_phocamaps_marker` (
  `id` int(11) unsigned NOT NULL AUTO_INCREMENT,
  `catid` int(11) NOT NULL DEFAULT '0',
  `title` varchar(250) NOT NULL DEFAULT '',
  `alias` varchar(255) NOT NULL DEFAULT '',
  `latitude` varchar(20) NOT NULL DEFAULT '',
  `longitude` varchar(20) NOT NULL DEFAULT '',
  `gpslatitude` varchar(50) NOT NULL DEFAULT '',
  `gpslongitude` varchar(50) NOT NULL DEFAULT '',
  `displaygps` tinyint(1) NOT NULL DEFAULT '0',
  `icon` tinyint(1) NOT NULL DEFAULT '0',
  `iconext` int(11) NOT NULL DEFAULT '0',
  `description` text,
  `osm_icon` varchar(100) NOT NULL DEFAULT '',
  `osm_marker_color` varchar(20) NOT NULL DEFAULT '',
  `osm_icon_color` varchar(20) NOT NULL DEFAULT '',
  `osm_icon_prefix` varchar(20) NOT NULL DEFAULT '',
  `osm_icon_spin` tinyint(1) NOT NULL DEFAULT '0',
  `osm_icon_class` text,
  `contentwidth` varchar(8) NOT NULL DEFAULT '',
  `contentheight` varchar(8) NOT NULL DEFAULT '',
  `markerwindow` tinyint(1) NOT NULL DEFAULT '0',
  `published` tinyint(1) NOT NULL DEFAULT '0',
  `checked_out` int(11) unsigned NOT NULL DEFAULT '0',
  `checked_out_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `ordering` int(11) NOT NULL DEFAULT '0',
  `access` tinyint(3) unsigned NOT NULL DEFAULT '0',
  `hits` int(11) NOT NULL DEFAULT '0',
  `params` text,
  `language` char(7) NOT NULL DEFAULT '',
  PRIMARY KEY (`id`),
  KEY `catid` (`catid`,`published`)
) ENGINE=MyISAM AUTO_INCREMENT=2 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_phocamaps_marker`
--

INSERT INTO `zbk92_phocamaps_marker` (`id`, `catid`, `title`, `alias`, `latitude`, `longitude`, `gpslatitude`, `gpslongitude`, `displaygps`, `icon`, `iconext`, `description`, `osm_icon`, `osm_marker_color`, `osm_icon_color`, `osm_icon_prefix`, `osm_icon_spin`, `osm_icon_class`, `contentwidth`, `contentheight`, `markerwindow`, `published`, `checked_out`, `checked_out_time`, `ordering`, `access`, `hits`, `params`, `language`) VALUES (1,1,'National Credit Regulator ','national-credit-regulator','-25.97491935','28.1316083141769','25° 58\' 29.71','28° 7\' 53.79',1,6,5,'','circle','red','#FFF','fa',1,'','','',0,1,0,'0000-00-00 00:00:00',1,1,0,NULL,'*');

--
-- Table structure for table `zbk92_postinstall_messages`
--

CREATE TABLE `zbk92_postinstall_messages` (
  `postinstall_message_id` bigint(20) unsigned NOT NULL AUTO_INCREMENT,
  `extension_id` bigint(20) NOT NULL DEFAULT '700' COMMENT 'FK to #__extensions',
  `title_key` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '' COMMENT 'Lang key for the title',
  `description_key` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '' COMMENT 'Lang key for description',
  `action_key` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `language_extension` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT 'com_postinstall' COMMENT 'Extension holding lang keys',
  `language_client_id` tinyint(3) NOT NULL DEFAULT '1',
  `type` varchar(10) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT 'link' COMMENT 'Message type - message, link, action',
  `action_file` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT '' COMMENT 'RAD URI to the PHP file containing action method',
  `action` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT '' COMMENT 'Action method name or URL',
  `condition_file` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL COMMENT 'RAD URI to file holding display condition method',
  `condition_method` varchar(255) COLLATE utf8mb4_unicode_ci DEFAULT NULL COMMENT 'Display condition method, must return boolean',
  `version_introduced` varchar(50) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '3.2.0' COMMENT 'Version when this message was introduced',
  `enabled` tinyint(3) NOT NULL DEFAULT '1',
  PRIMARY KEY (`postinstall_message_id`)
) ENGINE=InnoDB AUTO_INCREMENT=8 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

--
-- Dumping data for table `zbk92_postinstall_messages`
--

INSERT INTO `zbk92_postinstall_messages` (`postinstall_message_id`, `extension_id`, `title_key`, `description_key`, `action_key`, `language_extension`, `language_client_id`, `type`, `action_file`, `action`, `condition_file`, `condition_method`, `version_introduced`, `enabled`) VALUES (1,700,'PLG_TWOFACTORAUTH_TOTP_POSTINSTALL_TITLE','PLG_TWOFACTORAUTH_TOTP_POSTINSTALL_BODY','PLG_TWOFACTORAUTH_TOTP_POSTINSTALL_ACTION','plg_twofactorauth_totp',1,'action','site://plugins/twofactorauth/totp/postinstall/actions.php','twofactorauth_postinstall_action','site://plugins/twofactorauth/totp/postinstall/actions.php','twofactorauth_postinstall_condition','3.2.0',1),(2,700,'COM_CPANEL_WELCOME_BEGINNERS_TITLE','COM_CPANEL_WELCOME_BEGINNERS_MESSAGE','','com_cpanel',1,'message','','','','','3.2.0',1),(3,700,'COM_CPANEL_MSG_STATS_COLLECTION_TITLE','COM_CPANEL_MSG_STATS_COLLECTION_BODY','','com_cpanel',1,'message','','','admin://components/com_admin/postinstall/statscollection.php','admin_postinstall_statscollection_condition','3.5.0',1),(4,700,'PLG_SYSTEM_UPDATENOTIFICATION_POSTINSTALL_UPDATECACHETIME','PLG_SYSTEM_UPDATENOTIFICATION_POSTINSTALL_UPDATECACHETIME_BODY','PLG_SYSTEM_UPDATENOTIFICATION_POSTINSTALL_UPDATECACHETIME_ACTION','plg_system_updatenotification',1,'action','site://plugins/system/updatenotification/postinstall/updatecachetime.php','updatecachetime_postinstall_action','site://plugins/system/updatenotification/postinstall/updatecachetime.php','updatecachetime_postinstall_condition','3.6.3',1),(5,700,'COM_CPANEL_MSG_JOOMLA40_PRE_CHECKS_TITLE','COM_CPANEL_MSG_JOOMLA40_PRE_CHECKS_BODY','','com_cpanel',1,'message','','','admin://components/com_admin/postinstall/joomla40checks.php','admin_postinstall_joomla40checks_condition','3.7.0',1),(6,700,'TPL_HATHOR_MESSAGE_POSTINSTALL_TITLE','TPL_HATHOR_MESSAGE_POSTINSTALL_BODY','TPL_HATHOR_MESSAGE_POSTINSTALL_ACTION','tpl_hathor',1,'action','admin://templates/hathor/postinstall/hathormessage.php','hathormessage_postinstall_action','admin://templates/hathor/postinstall/hathormessage.php','hathormessage_postinstall_condition','3.7.0',1),(7,700,'PLG_PLG_RECAPTCHA_VERSION_1_POSTINSTALL_TITLE','PLG_PLG_RECAPTCHA_VERSION_1_POSTINSTALL_BODY','PLG_PLG_RECAPTCHA_VERSION_1_POSTINSTALL_ACTION','plg_captcha_recaptcha',1,'action','site://plugins/captcha/recaptcha/postinstall/actions.php','recaptcha_postinstall_action','site://plugins/captcha/recaptcha/postinstall/actions.php','recaptcha_postinstall_condition','3.8.6',1);

--
-- Table structure for table `zbk92_redirect_links`
--

CREATE TABLE `zbk92_redirect_links` (
  `id` int(10) unsigned NOT NULL AUTO_INCREMENT,
  `old_url` varchar(2048) COLLATE utf8mb4_unicode_ci NOT NULL,
  `new_url` varchar(2048) COLLATE utf8mb4_unicode_ci DEFAULT NULL,
  `referer` varchar(2048) COLLATE utf8mb4_unicode_ci NOT NULL,
  `comment` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `hits` int(10) unsigned NOT NULL DEFAULT '0',
  `published` tinyint(4) NOT NULL,
  `created_date` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `modified_date` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `header` smallint(3) NOT NULL DEFAULT '301',
  PRIMARY KEY (`id`),
  KEY `idx_old_url` (`old_url`(100)),
  KEY `idx_link_modifed` (`modified_date`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

--
-- Dumping data for table `zbk92_redirect_links`
--


--
-- Table structure for table `zbk92_schemas`
--

CREATE TABLE `zbk92_schemas` (
  `extension_id` int(11) NOT NULL,
  `version_id` varchar(20) COLLATE utf8mb4_unicode_ci NOT NULL,
  PRIMARY KEY (`extension_id`,`version_id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

--
-- Dumping data for table `zbk92_schemas`
--

INSERT INTO `zbk92_schemas` (`extension_id`, `version_id`) VALUES (700,'3.8.8-2018-05-18'),(10009,'2.0'),(10021,'0.5.4'),(10022,'5.3.4'),(10023,'3.1.1'),(10027,'3.0.5');

--
-- Table structure for table `zbk92_session`
--

CREATE TABLE `zbk92_session` (
  `session_id` varchar(191) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `client_id` tinyint(3) unsigned DEFAULT NULL,
  `guest` tinyint(4) unsigned DEFAULT '1',
  `time` varchar(14) COLLATE utf8mb4_unicode_ci DEFAULT '',
  `data` mediumtext COLLATE utf8mb4_unicode_ci,
  `userid` int(11) DEFAULT '0',
  `username` varchar(150) COLLATE utf8mb4_unicode_ci DEFAULT '',
  PRIMARY KEY (`session_id`),
  KEY `userid` (`userid`),
  KEY `time` (`time`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

--
-- Dumping data for table `zbk92_session`
--

INSERT INTO `zbk92_session` (`session_id`, `client_id`, `guest`, `time`, `data`, `userid`, `username`) VALUES 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--
-- Table structure for table `zbk92_swmenufree_extended`
--

CREATE TABLE `zbk92_swmenufree_extended` (
  `ext_id` int(11) NOT NULL AUTO_INCREMENT,
  `menu_id` int(11) NOT NULL DEFAULT '0',
  `image` varchar(100) DEFAULT NULL,
  `image_over` varchar(100) DEFAULT NULL,
  `moduleID` int(11) NOT NULL DEFAULT '0',
  `show_name` int(2) NOT NULL DEFAULT '1',
  `image_align` varchar(20) NOT NULL DEFAULT 'left',
  `target_level` int(11) NOT NULL DEFAULT '1',
  `normal_css` mediumtext,
  `over_css` mediumtext,
  `show_item` int(11) NOT NULL DEFAULT '1',
  `extra` mediumtext,
  `custom_html` text,
  `html_position` varchar(30) DEFAULT NULL,
  PRIMARY KEY (`ext_id`)
) ENGINE=MyISAM AUTO_INCREMENT=74 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_swmenufree_extended`
--

INSERT INTO `zbk92_swmenufree_extended` (`ext_id`, `menu_id`, `image`, `image_over`, `moduleID`, `show_name`, `image_align`, `target_level`, `normal_css`, `over_css`, `show_item`, `extra`, `custom_html`, `html_position`) VALUES (1,101,'','',135,1,'',1,'','',1,'','','before'),(2,103,'','',135,1,'',1,'','',1,'','','before'),(3,116,'','',135,1,'',1,'','',1,'','','before'),(4,115,'','',135,1,'',1,'','',1,'','','before'),(5,165,'','',135,1,'',1,'','',1,'','','before'),(6,170,'','',135,1,'',1,'','',1,'','','before'),(7,175,'','',135,1,'',1,'','',1,'','','before'),(8,166,'','',135,1,'',1,'','',1,'','','before'),(9,171,'','',135,1,'',1,'','',1,'','','before'),(10,176,'','',135,1,'',1,'','',1,'','','before'),(11,167,'','',135,1,'',1,'','',1,'','','before'),(12,172,'','',135,1,'',1,'','',1,'','','before'),(13,177,'','',135,1,'',1,'','',1,'','','before'),(14,168,'','',135,1,'',1,'','',1,'','','before'),(15,173,'','',135,1,'',1,'','',1,'','','before'),(16,178,'','',135,1,'',1,'','',1,'','','before'),(17,169,'','',135,1,'',1,'','',1,'','','before'),(18,174,'','',135,1,'',1,'','',1,'','','before'),(19,179,'','',135,1,'',1,'','',1,'','','before'),(20,194,'','',135,1,'',1,'','',1,'','','before'),(21,195,'','',135,1,'',1,'','',1,'','','before'),(22,198,'','',135,1,'',1,'','',1,'','','before'),(23,117,'','',135,1,'',1,'','',1,'','','before'),(24,220,'','',135,1,'',1,'','',1,'','','before'),(25,118,'','',135,1,'',1,'','',1,'','','before'),(26,214,'','',135,1,'',1,'','',1,'','','before'),(27,119,'','',135,1,'',1,'','',1,'','','before'),(28,120,'','',135,1,'',1,'','',1,'','','before'),(29,199,'','',135,1,'',1,'','',1,'','','before'),(30,200,'','',135,1,'',1,'','',1,'','','before'),(31,146,'','',135,1,'',1,'','',1,'','','before'),(32,104,'','',135,1,'',1,'','',1,'','','before'),(33,105,'','',135,1,'',1,'','',1,'','','before'),(34,148,'','',135,1,'',1,'','',1,'','','before'),(35,159,'','',135,1,'',1,'','',1,'','','before'),(36,208,'','',135,1,'',1,'','',1,'','','before'),(37,106,'','',135,1,'',1,'','',1,'','','before'),(38,135,'','',135,1,'',1,'','',1,'','','before'),(39,136,'','',135,1,'',1,'','',1,'','','before'),(40,137,'','',135,1,'',1,'','',1,'','','before'),(41,138,'','',135,1,'',1,'','',1,'','','before'),(42,197,'','',135,1,'',1,'','',1,'','','before'),(43,140,'','',135,1,'',1,'','',1,'','','before'),(44,142,'','',135,1,'',1,'','',1,'','','before'),(45,143,'','',135,1,'',1,'','',1,'','','before'),(46,144,'','',135,1,'',1,'','',1,'','','before'),(47,145,'','',135,1,'',1,'','',1,'','','before'),(48,141,'','',135,1,'',1,'','',1,'','','before'),(49,107,'','',135,1,'',1,'','',1,'','','before'),(50,152,'','',135,1,'',1,'','',1,'','','before'),(51,153,'','',135,1,'',1,'','',1,'','','before'),(52,155,'','',135,1,'',1,'','',1,'','','before'),(53,156,'','',135,1,'',1,'','',1,'','','before'),(54,157,'','',135,1,'',1,'','',1,'','','before'),(55,158,'','',135,1,'',1,'','',1,'','','before'),(56,160,'','',135,1,'',1,'','',1,'','','before'),(57,161,'','',135,1,'',1,'','',1,'','','before'),(58,196,'','',135,1,'',1,'','',1,'','','before'),(59,139,'','',135,1,'',1,'','',1,'','','before'),(60,108,'','',135,1,'',1,'','',1,'','','before'),(61,209,'','',135,1,'',1,'','',1,'','','before'),(62,210,'','',135,1,'',1,'','',1,'','','before'),(63,213,'','',135,1,'',1,'','',1,'','','before'),(64,109,'','',135,1,'',1,'','',1,'','','before'),(65,130,'','',135,1,'',1,'','',1,'','','before'),(66,131,'','',135,1,'',1,'','',1,'','','before'),(67,132,'','',135,1,'',1,'','',1,'','','before'),(68,133,'','',135,1,'',1,'','',1,'','','before'),(69,134,'','',135,1,'',1,'','',1,'','','before'),(70,110,'','',135,1,'',1,'','',1,'','','before'),(71,201,'','',135,1,'',1,'','',1,'','','before'),(72,147,'','',135,1,'',1,'','',1,'','','before'),(73,154,'','',135,1,'',1,'','',1,'','','before');

--
-- Table structure for table `zbk92_swmenufree_styles`
--

CREATE TABLE `zbk92_swmenufree_styles` (
  `id` int(11) NOT NULL AUTO_INCREMENT,
  `moduleid` int(11) NOT NULL,
  `params` text,
  PRIMARY KEY (`id`)
) ENGINE=MyISAM AUTO_INCREMENT=2 DEFAULT CHARSET=utf8;

--
-- Dumping data for table `zbk92_swmenufree_styles`
--

INSERT INTO `zbk92_swmenufree_styles` (`id`, `moduleid`, `params`) VALUES (1,0,'top_background_repeat=repeat-x\ntop_background_position=left top\nmain_back_image=\ntmenu_grad=\nmain_back=#F7921E\nmain_font_color=#FFFFFF\nt_opacity=100\ntop_hover_background_repeat=repeat-y\ntop_hover_background_position=left top\nmain_back_image_over=\ntomenu_grad=\nmain_over=#946935\nmain_font_color_over=#FFFFFF\nactive_background_repeat=no-repeat\nactive_background_position=right center\nactive_background_image=\namenu_grad=\nactive_background=#946935\nactive_font=#FFFFFF\nfont_family=Tahoma, Arial, sans-serif\nt_google_font=\nmain_font_size=14\nfont_weight=bold\nmain_align=left\ntop_wrap=nowrap\ntop_font_extra=\ntt_shadow_type=none\ntt_shadow_top=0.1\ntt_shadow_blur=0\ntt_shadow_left=0.1\ntt_shadow=#050505\nt_shadow_type=none\nt_shadow_top=0.5\nt_shadow_blur=2\nt_shadow_left=0.5\nt_shadow=#121212\ntop_margin_top=2\ntop_margin_right=0\ntop_margin_bottom=2\ntop_margin_left=0\nmain_pad_top=9\nmain_pad_right=6\nmain_pad_bottom=9\nmain_pad_left=6\nmain_border_over_style=none\nmain_border_over_width=0\ntit_border=1\ntir_border=1\ntib_border=1\ntil_border=1\nmain_border_color_over=#CCCCCC\nt_corner_style=curvycorner\nt_corner_size=0\nttl_corner=1\ntbr_corner=1\ntop_sub_indicator=\ntop_sub_hover_indicator=\ntop_sub_indicator_align=right\ntop_sub_indicator_top=4\ntop_sub_indicator_left=5\norientation=horizontal\nc_width_opt=auto\nposition=center\ncomplete_background_repeat=repeat-y\ncomplete_background_position=center top\ncomplete_background_image=\ncmenu_grad=\ncomplete_background=\nc_opacity=100\nc_shadow_type=none\nc_shadow_top=0\nc_shadow_blur=3\nc_shadow_left=1\ncomplete_shadow=#14040C\nmain_top=0\nmain_left=0\ncomplete_margin_top=5\ncomplete_margin_right=5\ncomplete_margin_bottom=5\ncomplete_margin_left=5\nmain_border_style=none\nmain_border_width=1\ntot_border=1\ntor_border=1\ntob_border=1\ntol_border=1\nmain_border_color=#B2BAD9\nc_corner_style=curvycorner\nc_corner_size=1\nctl_corner=1\nctr_corner=1\ncbl_corner=1\ncbr_corner=1\nsub_background_repeat=repeat-x\nsub_background_position=left center\nsub_back_image=\nsmenu_grad=\nsub_back=#F7921E\nsub_font_color=#FFFFFF\ns_opacity=100\nsub_hover_background_repeat=repeat-x\nsub_hover_background_position=left top\nsub_back_image_over=\nsomenu_grad=\nsub_over=#946935\nsub_font_color_over=#FFFFFF\nsub_active_background_repeat=repeat\nsub_active_background_position=left 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top\nsub_out_back_image=\nscmenu_grad=\nsub_out_back=\nso_opacity=100\nso_shadow_type=none\nso_shadow_top=1\nso_shadow_blur=3\nso_shadow_left=1\nso_shadow=#11112E\ntransition=opacity\nslide_distance=10\nduration=267\nlevel1_sub_top=0\nlevel1_sub_left=0\nlevel2_sub_top=0\nlevel2_sub_left=0\nsub_out_pad_top=0\nsub_out_pad_right=0\nsub_out_pad_bottom=0\nsub_out_pad_left=0\nsub_border_style=none\nsub_border_width=0\nsub_border_color=#061C1B\ns_corner_style=none\ns_corner_size=10\nstl_corner=1\nstr_corner=1\nsbl_corner=1\nsbr_corner=1\nmenutype=mainmenu\nparentid=0\nactive_menu=1\nlevels=0\nparent_level=0\nhybrid=0\ntables=0\npie_hack=1\noverlay_hack=0\nflash_hack=0\ntablet_hack=0\ndisable_jquery=0\ncssload=0\nmenu_id=swmenufree\nresponsive=accordion\nresponsive_width=522\nsubmenu_indent=0\nopen_close_button=1\nopen_close_text=Menu\nclosed_icon=images/swmenufree/arrows/white-down.gif\nopen_icon=images/swmenufree/arrows/green-down.gif\nicon_align=right\nicon_top=1\nicon_left=11\nexpand_all=1\ndisable_parent=1\ndisable_top_sub_indicator=1\ndisable_sub_sub_indicator=1\ndisable_top_hover_background=1\ndisable_sub_hover_background=1\ndisable_top_box_shadow=1\ndisable_sub_box_shadow=1\ndisable_top_item_shadow=1\ndisable_sub_item_shadow=1\ndisable_top_box_corner=1\ndisable_sub_box_corner=1\ndisable_top_item_corner=1\ndisable_sub_item_corner=1\ndisable_top_box_border=1\ndisable_sub_box_border=1\ndisable_top_item_border=1\ndisable_sub_item_border=1\ndisable_top_item_margin=1\ndisable_sub_item_margin=1\ndisable_top_box_padding=1\ndisable_sub_box_padding=1\ndisable_top_item_padding=0\ndisable_sub_item_padding=0\nautoassign=active\nautoattrib=\nauto_css=\nno_html=0\nmanual=0\nrel_path=https://www.ncr.org.za/demo\nmodule=1\nmenuname=mainmenu\nimages_preview=1\ntitle=swMenuFree\nborder_hack=0\noption=com_swmenufree\ntmpl=index\nmenustyle=css3menu\ntask=saveedit\nid=135\ntop_font_face=\nsub_font_face=\nlimit=30\nlimitstart=0\npreview=0\nreturntask=save\ndefaultfolder=swmenupro/arrows\n');

--
-- Table structure for table `zbk92_tags`
--

CREATE TABLE `zbk92_tags` (
  `id` int(10) unsigned NOT NULL AUTO_INCREMENT,
  `parent_id` int(10) unsigned NOT NULL DEFAULT '0',
  `lft` int(11) NOT NULL DEFAULT '0',
  `rgt` int(11) NOT NULL DEFAULT '0',
  `level` int(10) unsigned NOT NULL DEFAULT '0',
  `path` varchar(400) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `title` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL,
  `alias` varchar(400) CHARACTER SET utf8mb4 COLLATE utf8mb4_bin NOT NULL DEFAULT '',
  `note` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `description` mediumtext COLLATE utf8mb4_unicode_ci NOT NULL,
  `published` tinyint(1) NOT NULL DEFAULT '0',
  `checked_out` int(11) unsigned NOT NULL DEFAULT '0',
  `checked_out_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `access` int(10) unsigned NOT NULL DEFAULT '0',
  `params` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `metadesc` varchar(1024) COLLATE utf8mb4_unicode_ci NOT NULL COMMENT 'The meta description for the page.',
  `metakey` varchar(1024) COLLATE utf8mb4_unicode_ci NOT NULL COMMENT 'The meta keywords for the page.',
  `metadata` varchar(2048) COLLATE utf8mb4_unicode_ci NOT NULL COMMENT 'JSON encoded metadata properties.',
  `created_user_id` int(10) unsigned NOT NULL DEFAULT '0',
  `created_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `created_by_alias` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `modified_user_id` int(10) unsigned NOT NULL DEFAULT '0',
  `modified_time` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `images` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `urls` text COLLATE utf8mb4_unicode_ci NOT NULL,
  `hits` int(10) unsigned NOT NULL DEFAULT '0',
  `language` char(7) COLLATE utf8mb4_unicode_ci NOT NULL,
  `version` int(10) unsigned NOT NULL DEFAULT '1',
  `publish_up` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  `publish_down` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
  PRIMARY KEY (`id`),
  KEY `tag_idx` (`published`,`access`),
  KEY `idx_access` (`access`),
  KEY `idx_checkout` (`checked_out`),
  KEY `idx_path` (`path`(100)),
  KEY `idx_left_right` (`lft`,`rgt`),
  KEY `idx_alias` (`alias`(100)),
  KEY `idx_language` (`language`)
) ENGINE=InnoDB AUTO_INCREMENT=2 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

--
-- Dumping data for table `zbk92_tags`
--

INSERT INTO `zbk92_tags` (`id`, `parent_id`, `lft`, `rgt`, `level`, `path`, `title`, `alias`, `note`, `description`, `published`, `checked_out`, `checked_out_time`, `access`, `params`, `metadesc`, `metakey`, `metadata`, `created_user_id`, `created_time`, `created_by_alias`, `modified_user_id`, `modified_time`, `images`, `urls`, `hits`, `language`, `version`, `publish_up`, `publish_down`) VALUES (1,0,0,1,0,'','ROOT','root','','',1,0,'0000-00-00 00:00:00',1,'','','','',915,'2019-03-06 14:55:13','',0,'0000-00-00 00:00:00','','',0,'*',1,'0000-00-00 00:00:00','0000-00-00 00:00:00');

--
-- Table structure for table `zbk92_template_styles`
--

CREATE TABLE `zbk92_template_styles` (
  `id` int(10) unsigned NOT NULL AUTO_INCREMENT,
  `template` varchar(50) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `client_id` tinyint(1) unsigned NOT NULL DEFAULT '0',
  `home` char(7) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '0',
  `title` varchar(255) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `params` text COLLATE utf8mb4_unicode_ci NOT NULL,
  PRIMARY KEY (`id`),
  KEY `idx_template` (`template`),
  KEY `idx_home` (`home`)
) ENGINE=InnoDB AUTO_INCREMENT=11 DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

--
-- Dumping data for table `zbk92_template_styles`
--

INSERT INTO `zbk92_template_styles` (`id`, `template`, `client_id`, `home`, `title`, `params`) VALUES (4,'beez3',0,'0','Beez3 - Default','{\"wrapperSmall\":\"53\",\"wrapperLarge\":\"72\",\"logo\":\"images\\/joomla_black.png\",\"sitetitle\":\"Joomla!\",\"sitedescription\":\"Open Source Content Management\",\"navposition\":\"left\",\"templatecolor\":\"personal\",\"html5\":\"0\"}'),(5,'hathor',1,'0','Hathor - Default','{\"showSiteName\":\"0\",\"colourChoice\":\"\",\"boldText\":\"0\"}'),(7,'protostar',0,'0','protostar - Default','{\"templateColor\":\"\",\"logoFile\":\"\",\"googleFont\":\"1\",\"googleFontName\":\"Open+Sans\",\"fluidContainer\":\"0\"}'),(8,'isis',1,'1','isis - Default','{\"templateColor\":\"\",\"logoFile\":\"\"}'),(9,'vina_royal_ii',0,'1','Vina_Royal_II - Default','{\"layout_width\":\"1170\",\"layout_type\":\"responsive\",\"logo_type\":\"image\",\"logo_position\":\"logo\",\"logo_type_image\":\"images\\/ncr_logo.png\",\"logo_type_text\":\"Helix\",\"logo_type_slogan\":\"Joomla! Templates Framework\",\"logo_width\":\"390\",\"logo_height\":\"64\",\"footer_position\":\"footer1\",\"showcp\":\"0\",\"copyright\":\"Copyright @ 2014 National Credit Regulator. All Rights Reserved. Read the Disclaimer\",\"show_helix_logo\":\"0\",\"jcredit\":\"0\",\"credit_link\":\"0\",\"credit_text\":\"Designed by {VinaGecko.com}. \",\"validator\":\"0\",\"showtop\":\"0\",\"totop_position\":\"footer1\",\"preset\":\"preset1\",\"preset1_header\":\"#e8e8e8\",\"preset1_bg\":\"#979191\",\"preset1_text\":\"#6d6d6d\",\"preset1_link\":\"#f7921e\",\"preset2_header\":\"#e8e8e8\",\"preset2_bg\":\"#e8e8e8\",\"preset2_text\":\"#444444\",\"preset2_link\":\"#aa792f\",\"preset3_header\":\"#e8e8e8\",\"preset3_bg\":\"#e8e8e8\",\"preset3_text\":\"#6D6D6D\",\"preset3_link\":\"#263a83\",\"preset4_header\":\"#e8e8e8\",\"preset4_bg\":\"#e8e8e8\",\"preset4_text\":\"#6D6D6D\",\"preset4_link\":\"#4EA770\",\"preset5_header\":\"#e8e8e8\",\"preset5_bg\":\"#e8e8e8\",\"preset5_text\":\"#6D6D6D\",\"preset5_link\":\"#F37331\",\"layout\":[{\"name\":\"\",\"class\":\"\",\"responsive\":\"\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"\",\"children\":[{\"span\":\"12\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"footer2\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"}]},{\"name\":\"Top\",\"class\":\"container\",\"responsive\":\"hidden-phone visible-desktop visible-tablet\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"10px\",\"padding\":\"\",\"children\":[{\"span\":\"6\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"logo\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"},{\"span\":\"6\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"top1\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\",\"children\":[{\"name\":\"\",\"class\":\"\",\"responsive\":\"\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"\",\"children\":[{\"span\":\"12\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"top2\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"}]}]}]},{\"name\":\"logo\",\"class\":\"container\",\"responsive\":\"hidden-tablet hidden-desktop\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"\",\"children\":[{\"span\":\"12\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"logo\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"}]},{\"name\":\"\",\"class\":\"container\",\"responsive\":\"\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"\",\"children\":[{\"span\":\"12\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"position3\",\"style\":\"sp_menu\",\"customclass\":\"\",\"responsiveclass\":\"\"}]},{\"name\":\"slider\",\"class\":\"container\",\"responsive\":\"\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"\",\"children\":[{\"span\":\"12\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"slider\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"}]},{\"name\":\"Feature\",\"class\":\"container\",\"responsive\":\"\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"\",\"children\":[{\"span\":\"12\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"feature\",\"style\":\"none\",\"customclass\":\"\",\"responsiveclass\":\"\"}]},{\"name\":\"Position\",\"class\":\"container\",\"responsive\":\"\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"\",\"children\":[{\"span\":\"12\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"position1\",\"style\":\"sp-xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"}]},{\"name\":\"Breadcrumb\",\"class\":\"container\",\"responsive\":\"\",\"backgroundcolor\":\"rgb(255, 255, 255)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"\",\"children\":[{\"span\":\"12\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"breadcrumb\",\"style\":\"none\",\"customclass\":\"\",\"responsiveclass\":\"\"}]},{\"name\":\"content slider\",\"class\":\"container\",\"responsive\":\"\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"15px\",\"children\":[{\"span\":\"12\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"position2\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"}]},{\"name\":\"Main Body\",\"class\":\"container\",\"responsive\":\"\",\"backgroundcolor\":\"rgba(246, 180, 74, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"\",\"children\":[{\"span\":\"3\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"left\",\"style\":\"sp_vina\",\"customclass\":\"\",\"responsiveclass\":\"\"},{\"span\":\"6\",\"offset\":\"\",\"type\":\"message\",\"position\":\"\",\"style\":\"none\",\"customclass\":\"\",\"responsiveclass\":\"\",\"children\":[{\"name\":\"Center\",\"class\":\"\",\"responsive\":\"\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"\",\"children\":[{\"span\":\"12\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"center\",\"style\":\"sp_vina\",\"customclass\":\"\",\"responsiveclass\":\"\"}]},{\"name\":\"Component Area\",\"class\":\"\",\"responsive\":\"\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"\",\"children\":[{\"span\":\"12\",\"offset\":\"\",\"type\":\"component\",\"position\":\"\",\"style\":\"none\",\"customclass\":\"\",\"responsiveclass\":\"\"}]}]},{\"span\":\"3\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"right\",\"style\":\"sp_vina\",\"customclass\":\"\",\"responsiveclass\":\"\"}]},{\"name\":\"News\",\"class\":\"container\",\"responsive\":\"\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"15px\",\"children\":[{\"span\":\"12\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"user1\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"}]},{\"name\":\"audio\",\"class\":\"container\",\"responsive\":\"\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"10xpx 10px\",\"children\":[{\"span\":\"12\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"user4\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"}]},{\"name\":\"\",\"class\":\"container\",\"responsive\":\"\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"10px 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10px\",\"children\":[{\"span\":\"3\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"position5\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"},{\"span\":\"3\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"position6\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"},{\"span\":\"3\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"position7\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"},{\"span\":\"3\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"position8\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"}]},{\"name\":\"media\",\"class\":\"container\",\"responsive\":\"\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 0)\",\"margin\":\"\",\"padding\":\"10px\",\"children\":[{\"span\":\"4\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"bottom5\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"},{\"span\":\"4\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"bottom6\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"},{\"span\":\"4\",\"offset\":\"\",\"type\":\"modules\",\"position\":\"bottom7\",\"style\":\"sp_xhtml\",\"customclass\":\"\",\"responsiveclass\":\"\"}]},{\"name\":\"Adverts\",\"class\":\"container\",\"responsive\":\"\",\"backgroundcolor\":\"rgba(255, 255, 255, 0)\",\"textcolor\":\"rgba(255, 255, 255, 0)\",\"linkcolor\":\"rgba(255, 255, 255, 0)\",\"linkhovercolor\":\"rgba(255, 255, 255, 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All Rights Reserved.\",\"show_helix_logo\":\"1\",\"jcredit\":\"1\",\"credit_link\":\"1\",\"credit_text\":\"Designed by {JoomShaper}\",\"validator\":\"0\",\"showtop\":\"1\",\"totop_position\":\"footer2\",\"preset\":\"preset1\",\"preset1_header\":\"#f8f8f8\",\"preset1_bg\":\"#f2f2f2\",\"preset1_text\":\"#666666\",\"preset1_link\":\"#22b8f0\",\"preset2_header\":\"#eeeeee\",\"preset2_bg\":\"#f5f5f5\",\"preset2_text\":\"#444444\",\"preset2_link\":\"#6d7f1b\",\"preset3_header\":\"#e5ddd5\",\"preset3_bg\":\"#f2f2f2\",\"preset3_text\":\"#333333\",\"preset3_link\":\"#aa824a\",\"menu\":\"mainmenu\",\"menutype\":\"mega\",\"menu_col_width\":\"200\",\"show_menu_image\":\"1\",\"menu_image_position\":\"1\",\"submenu_position\":\"0\",\"init_x\":\"0\",\"init_y\":\"0\",\"sub_x\":\"0\",\"sub_y\":\"0\",\"body_font\":\"\",\"header_font\":\"\",\"header_selectors\":\"\",\"other_font\":\"\",\"cache_time\":\"60\",\"compress_css\":\"0\",\"compress_js\":\"0\",\"enable_ga\":\"0\",\"ga_code\":\"\",\"loadjquery\":\"0\",\"loadfromcdn\":\"0\",\"lessoption\":\"1\",\"hide_component_area\":\"0\"}');

--
-- Table structure for table `zbk92_ucm_base`
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CREATE TABLE `zbk92_ucm_base` (
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  `ucm_item_id` int(10) NOT NULL,
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  `ucm_language_id` int(11) NOT NULL,
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  KEY `idx_ucm_item_id` (`ucm_item_id`),
  KEY `idx_ucm_type_id` (`ucm_type_id`),
  KEY `idx_ucm_language_id` (`ucm_language_id`)
) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;

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-- Dumping data for table `zbk92_ucm_base`
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--
-- Table structure for table `zbk92_ucm_content`
--

CREATE TABLE `zbk92_ucm_content` (
  `core_content_id` int(10) unsigned NOT NULL AUTO_INCREMENT,
  `core_type_alias` varchar(400) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '' COMMENT 'FK to the content types table',
  `core_title` varchar(400) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `core_alias` varchar(400) CHARACTER SET utf8mb4 COLLATE utf8mb4_bin NOT NULL DEFAULT '',
  `core_body` mediumtext COLLATE utf8mb4_unicode_ci NOT NULL,
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  `core_language` char(7) COLLATE utf8mb4_unicode_ci NOT NULL DEFAULT '',
  `core_publish_up` datetime NOT NULL DEFAULT '0000-00-00 00:00:00',
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--
-- Dumping data for table `zbk92_ucm_content`
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--
-- Table structure for table `zbk92_ucm_history`
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CREATE TABLE `zbk92_ucm_history` (
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  KEY `idx_save_date` (`save_date`)
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--
-- Dumping data for table `zbk92_ucm_history`
--

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 (1,1,1,'','2019-03-06 15:18:44',915,2586,'13ff8f49454b8a1a678907a9c5ce4949b410e5cf','{\"id\":1,\"asset_id\":57,\"title\":\"WELCOME TO THE NATIONAL CREDIT REGULATOR\",\"alias\":\"welcome-to-the-national-credit-regulator\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (the Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and enforcement of compliance with the Act<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-06 15:18:44\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:18:44\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-06 15:18:44\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(2,8,5,'','2019-03-06 15:21:12',915,559,'e4472cd6589b6e1db3d3a09da3d75b945bcd4297','{\"id\":8,\"asset_id\":59,\"parent_id\":\"1\",\"lft\":\"11\",\"rgt\":12,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Latest News\",\"alias\":\"latest-news\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-06 15:21:12\",\"modified_user_id\":null,\"modified_time\":\"2019-03-06 15:21:12\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(3,9,5,'','2019-03-06 15:22:06',915,1528,'fd687fdd12ae05d7a39d149217e6328ac1845ce7','{\"id\":9,\"asset_id\":60,\"parent_id\":\"8\",\"lft\":\"12\",\"rgt\":13,\"level\":2,\"path\":null,\"extension\":\"com_content\",\"title\":\"Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape\",\"alias\":\"joint-operation-between-ncr-office-of-the-consumer-protector-and-sassa-in-sarah-baartman-district-municipality-in-the-eastern-cape\",\"note\":\"\",\"description\":\"<p>On Friday, 01 February 2019, the National Credit Regulator (NCR) joined forces with the Office of the Consumer Protector, South African Social Security Agency (SASSA) and South African Police Service (SAPS) from the Sarah Baartman Region in an operation aimed at curbing illegal retention of consumer instruments including identity books, bank cards and SASSA cards, to enforce credit agreements.<\\/p>\\r\\n<p>The operations were conducted at an entity conducting business in Jeffreys Bay, Somerset East and Humansdorp. During the operation, 393 SASSA and bank cards as well as 37 identity books were seized. Four (4) criminal cases were opened and we are hopeful that there will be swift prosecution of these matters.\\u00a0<\\/p>\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-06 15:22:06\",\"modified_user_id\":null,\"modified_time\":\"2019-03-06 15:22:06\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(4,2,1,'','2019-03-06 15:23:09',915,2792,'5ffb672f149645b41d7d2f17cbb742556b120a07','{\"id\":2,\"asset_id\":61,\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p>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. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:09\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:23:09\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-06 15:23:09\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(5,3,1,'','2019-03-06 15:23:28',915,2824,'35c3cbffc9c54b3d4fe6d62441be86424925e5ac','{\"id\":3,\"asset_id\":62,\"title\":\"National Credit Regulator issues a public warning against fake loan scams\",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\",\"introtext\":\"<p>[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically 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.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:23:28\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-06 15:23:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(6,4,1,'','2019-03-06 15:23:49',915,2827,'5304e1e3dbea1cb3892e80bcc29a73c9aaf52ec5','{\"id\":4,\"asset_id\":63,\"title\":\"National Credit Regulator issues a public warning against fake loan scams \",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams-2\",\"introtext\":\"<p>[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically 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.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:23:49\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-06 15:23:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(7,5,1,'','2019-03-06 15:24:12',915,2625,'033461b91fec65e1dafe157f270b1442b842799f','{\"id\":5,\"asset_id\":64,\"title\":\"The National Credit Regulator issues a public warning about Charis Financial Services\",\"alias\":\"the-national-credit-regulator-issues-a-public-warning-about-charis-financial-services\",\"introtext\":\"<p>The National Credit Regulator (NCR) has issued a public warning against Charis Financial Services, an unregistered credit provider, conducting business in Pietermaritzburg; KwaZulu-Natal.\\u00a0<br \\/><br \\/>Consumers are warned that loans extended by Charis Financial Services, are unlawful and may be void due to the fact that they are not a registered credit provider.\\u00a0\\u00a0<br \\/><br \\/>\\u201cCredit providers are reminded that as of October 2016 any person or entity that is involved in the provision of credit is required to be registered irrespective of the number of agreements and \\/ or the value of the principal debt\\u201d, says Jacqueline Peters, Manager of the Investigations and Enforcement at the NCR.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:12\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:24:12\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-06 15:24:12\",\"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),(8,6,1,'','2019-03-06 15:24:39',915,3395,'721321bfaf2d2ddedb5086206737f5b8751819b0','{\"id\":6,\"asset_id\":65,\"title\":\"If you can no longer afford to pay your debts, debt counselling could be of help\",\"alias\":\"if-you-can-no-longer-afford-to-pay-your-debts-debt-counselling-could-be-of-help\",\"introtext\":\"<p>At times and for many reasons such as recession, change in circumstances and others, consumers find themselves in a debt trap and no longer able to pay their monthly debt repayments. Consumers who are in this situation should not hide, feel despondent or despair; there is a debt relief measure in terms of the National Credit Act (NCA) which could provide relief. This debt relief measure is called debt counselling which is offered by National Credit Regulator\\u2019s (NCR) registered debt counsellors, says Kedilatile Legodi, Manager: Debt Counselling at the NCR.<\\/p>\\r\\n<p>Through debt counselling, consumers can be assisted by getting advice on how to budget and a debt counsellor will negotiate with credit providers on behalf of the consumer for reduced payments and ultimately restructure their debts. \\u201cIf your income is not enough to pay for all your living expenses and all of your debts, chances are that you could be over-indebted.\\u201d There are a number of signs that can assist to check whether a person is over-indebted or not, such as a consumer who cannot repay his \\/ her debts on time as agreed with credit providers; taking out loans in order repay other loans; using a credit card and \\/ or overdraft facility to pay debts, buy food and other necessities; skipping payments on some accounts in order to pay others; starting to receive letters of demand and summonses from credit providers and\\/or lawyers and having judgments granted against them. \\u201cThese are the\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-06 15:24:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:24:39\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-06 15:24:39\",\"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),(9,6,1,'','2019-03-06 15:25:21',915,3414,'6305c511c39776a0ead77a9beb39e75296adbab1','{\"id\":6,\"asset_id\":\"65\",\"title\":\"If you can no longer afford to pay your debts, debt counselling could be of help\",\"alias\":\"if-you-can-no-longer-afford-to-pay-your-debts-debt-counselling-could-be-of-help\",\"introtext\":\"<p>At times and for many reasons such as recession, change in circumstances and others, consumers find themselves in a debt trap and no longer able to pay their monthly debt repayments. Consumers who are in this situation should not hide, feel despondent or despair; there is a debt relief measure in terms of the National Credit Act (NCA) which could provide relief. This debt relief measure is called debt counselling which is offered by National Credit Regulator\\u2019s (NCR) registered debt counsellors, says Kedilatile Legodi, Manager: Debt Counselling at the NCR.<\\/p>\\r\\n<p>Through debt counselling, consumers can be assisted by getting advice on how to budget and a debt counsellor will negotiate with credit providers on behalf of the consumer for reduced payments and ultimately restructure their debts. \\u201cIf your income is not enough to pay for all your living expenses and all of your debts, chances are that you could be over-indebted.\\u201d There are a number of signs that can assist to check whether a person is over-indebted or not, such as a consumer who cannot repay his \\/ her debts on time as agreed with credit providers; taking out loans in order repay other loans; using a credit card and \\/ or overdraft facility to pay debts, buy food and other necessities; skipping payments on some accounts in order to pay others; starting to receive letters of demand and summonses from credit providers and\\/or lawyers and having judgments granted against them. \\u201cThese are the\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:25:21\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:25:14\",\"publish_up\":\"2019-03-06 15:24:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(10,6,1,'','2019-03-06 15:31:50',915,3468,'42b8543423c1a4b0b8d12054b073d0ac3c95b008','{\"id\":6,\"asset_id\":\"65\",\"title\":\"If you can no longer afford to pay your debts, debt counselling could be of help\",\"alias\":\"if-you-can-no-longer-afford-to-pay-your-debts-debt-counselling-could-be-of-help\",\"introtext\":\"<p><img src=\\\"images\\/credit-bureau267.jpg\\\" alt=\\\"\\\" \\/>At times and for many reasons such as recession, change in circumstances and others, consumers find themselves in a debt trap and no longer able to pay their monthly debt repayments. Consumers who are in this situation should not hide, feel despondent or despair; there is a debt relief measure in terms of the National Credit Act (NCA) which could provide relief. This debt relief measure is called debt counselling which is offered by National Credit Regulator\\u2019s (NCR) registered debt counsellors, says Kedilatile Legodi, Manager: Debt Counselling at the NCR.<\\/p>\\r\\n<p>Through debt counselling, consumers can be assisted by getting advice on how to budget and a debt counsellor will negotiate with credit providers on behalf of the consumer for reduced payments and ultimately restructure their debts. \\u201cIf your income is not enough to pay for all your living expenses and all of your debts, chances are that you could be over-indebted.\\u201d There are a number of signs that can assist to check whether a person is over-indebted or not, such as a consumer who cannot repay his \\/ her debts on time as agreed with credit providers; taking out loans in order repay other loans; using a credit card and \\/ or overdraft facility to pay debts, buy food and other necessities; skipping payments on some accounts in order to pay others; starting to receive letters of demand and summonses from credit providers and\\/or lawyers and having judgments granted against them. \\u201cThese are the\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:31:50\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:31:31\",\"publish_up\":\"2019-03-06 15:24:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(11,5,1,'','2019-03-06 15:33:04',915,2688,'af9f791baf3ce9cb1730ee60f7d6e8db1af26ac3','{\"id\":5,\"asset_id\":\"64\",\"title\":\"The National Credit Regulator issues a public warning about Charis Financial Services\",\"alias\":\"the-national-credit-regulator-issues-a-public-warning-about-charis-financial-services\",\"introtext\":\"<p><img src=\\\"images\\/images.jpg\\\" alt=\\\"\\\" \\/>The National Credit Regulator (NCR) has issued a public warning against Charis Financial Services, an unregistered credit provider, conducting business in Pietermaritzburg; KwaZulu-Natal.\\u00a0<br \\/><br \\/>Consumers are warned that loans extended by Charis Financial Services, are unlawful and may be void due to the fact that they are not a registered credit provider.\\u00a0\\u00a0<br \\/><br \\/>\\u201cCredit providers are reminded that as of October 2016 any person or entity that is involved in the provision of credit is required to be registered irrespective of the number of agreements and \\/ or the value of the principal debt\\u201d, says Jacqueline Peters, Manager of the Investigations and Enforcement at the NCR.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:12\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:33:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:32:48\",\"publish_up\":\"2019-03-06 15:24:12\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(12,4,1,'','2019-03-06 15:34:11',915,2894,'4362513fc4e37dda9797e1b77b2b88ea77414e64','{\"id\":4,\"asset_id\":\"63\",\"title\":\"National Credit Regulator issues a public warning against fake loan scams \",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams-2\",\"introtext\":\"<p><img src=\\\"images\\/fake loan.jpeg\\\" alt=\\\"\\\" \\/>[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically 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.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:34:11\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:33:08\",\"publish_up\":\"2019-03-06 15:23:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(13,4,1,'','2019-03-06 15:36:17',915,2947,'baa52782f6b0266cd6f1dcd56176c042f35333c6','{\"id\":4,\"asset_id\":\"63\",\"title\":\"The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling\",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams-2\",\"introtext\":\"<p><img src=\\\"images\\/fake loan.jpeg\\\" alt=\\\"\\\" \\/>[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically 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.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:36:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:34:23\",\"publish_up\":\"2019-03-06 15:23:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(14,5,1,'','2019-03-06 15:36:53',915,2676,'43d39f06664e89b8ae5c94901fd01b3cda0f2b48','{\"id\":5,\"asset_id\":\"64\",\"title\":\"Know your rights - Do not to pay any upfront fees when applying for loans\",\"alias\":\"the-national-credit-regulator-issues-a-public-warning-about-charis-financial-services\",\"introtext\":\"<p><img src=\\\"images\\/images.jpg\\\" alt=\\\"\\\" \\/>The National Credit Regulator (NCR) has issued a public warning against Charis Financial Services, an unregistered credit provider, conducting business in Pietermaritzburg; KwaZulu-Natal.\\u00a0<br \\/><br \\/>Consumers are warned that loans extended by Charis Financial Services, are unlawful and may be void due to the fact that they are not a registered credit provider.\\u00a0\\u00a0<br \\/><br \\/>\\u201cCredit providers are reminded that as of October 2016 any person or entity that is involved in the provision of credit is required to be registered irrespective of the number of agreements and \\/ or the value of the principal debt\\u201d, says Jacqueline Peters, Manager of the Investigations and Enforcement at the NCR.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:12\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:36:53\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:36:39\",\"publish_up\":\"2019-03-06 15:24:12\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(15,2,1,'','2019-03-06 15:37:31',915,2888,'99c6db5a90ba6a5d2ad564f7844e8c9aee25adae','{\"id\":2,\"asset_id\":\"61\",\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p><img src=\\\"images\\/credit rep.jpg\\\" alt=\\\"\\\" width=\\\"312\\\" height=\\\"208\\\" \\/>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. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:09\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:37:31\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:37:10\",\"publish_up\":\"2019-03-06 15:23:09\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(16,3,1,'','2019-03-06 15:38:15',915,2945,'ece7e83852618cef177fbb50a4f1c7d8cf3d1081','{\"id\":3,\"asset_id\":\"62\",\"title\":\"National Credit Regulator issues a public warning against fake loan scams\",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<p><img src=\\\"images\\/fraud.jpg\\\" alt=\\\"\\\" width=\\\"323\\\" height=\\\"242\\\" \\/><\\/p>\\r\\n<p>[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically 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.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-06 15:38:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-06 15:37:37\",\"publish_up\":\"2019-03-06 15:23:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(17,10,5,'','2019-03-14 15:14:31',915,558,'42f1d3a9b76c336bdc8568f699ebc12980d1494e','{\"id\":10,\"asset_id\":89,\"parent_id\":\"1\",\"lft\":\"15\",\"rgt\":16,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Compliance\",\"alias\":\"compliance\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-14 15:14:31\",\"modified_user_id\":null,\"modified_time\":\"2019-03-14 15:14:31\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(20,11,5,'','2019-03-14 15:18:15',915,598,'bdb664d80165b9e65489dd6112e99a12b5d0a87c','{\"id\":11,\"asset_id\":91,\"parent_id\":\"1\",\"lft\":\"17\",\"rgt\":18,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-14 15:18:15\",\"modified_user_id\":null,\"modified_time\":\"2019-03-14 15:18:15\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(24,12,5,'','2019-03-15 12:27:25',915,570,'36a01caeb4540e6c1778be37f4445f33b3b8c3b0','{\"id\":12,\"asset_id\":95,\"parent_id\":\"1\",\"lft\":\"19\",\"rgt\":20,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-15 12:27:25\",\"modified_user_id\":null,\"modified_time\":\"2019-03-15 12:27:25\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(25,9,1,'','2019-03-15 12:27:38',915,1759,'1f7de79a7b3a96af933faeeac1e51fd3b34d68f1','{\"id\":9,\"asset_id\":96,\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"12\",\"created\":\"2019-03-15 12:27:38\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-15 12:27:38\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-15 12:27:38\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(26,13,5,'','2019-03-15 12:28:01',915,564,'6ae4b84322571cca193d8177cbed25666d18c773','{\"id\":13,\"asset_id\":97,\"parent_id\":\"1\",\"lft\":\"21\",\"rgt\":22,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Registrations\",\"alias\":\"registrations\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-15 12:28:01\",\"modified_user_id\":null,\"modified_time\":\"2019-03-15 12:28:01\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(27,14,5,'','2019-03-15 12:28:11',915,556,'889b9779849bbb3aedcfdf6349c1705f46ba1f84','{\"id\":14,\"asset_id\":98,\"parent_id\":\"1\",\"lft\":\"23\",\"rgt\":24,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Complaint\",\"alias\":\"complaint\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-15 12:28:11\",\"modified_user_id\":null,\"modified_time\":\"2019-03-15 12:28:11\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(28,10,1,'','2019-03-15 12:28:59',915,1750,'36aeb967f79b61bcbfe2560f18bb214cf7956f81','{\"id\":10,\"asset_id\":99,\"title\":\"Compliance\",\"alias\":\"compliance-2\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-15 12:28:59\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-15 12:28:59\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-15 12:28:59\",\"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),(29,14,5,'','2019-03-15 12:29:07',915,588,'4d6e8671cecd126ad0613b2124b3cc644ad3089c','{\"id\":14,\"asset_id\":\"98\",\"parent_id\":\"1\",\"lft\":\"23\",\"rgt\":\"24\",\"level\":\"1\",\"path\":\"complaint\",\"extension\":\"com_content\",\"title\":\"Complaints\",\"alias\":\"complaint\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-15 12:29:03\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-15 12:28:11\",\"modified_user_id\":\"915\",\"modified_time\":\"2019-03-15 12:29:07\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(30,15,5,'','2019-03-15 12:29:30',915,595,'8fabb2bbcfed8d29f8fd035a338337c401d16ff3','{\"id\":15,\"asset_id\":100,\"parent_id\":\"1\",\"lft\":\"25\",\"rgt\":26,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Education and Communications\",\"alias\":\"education-and-communications\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-15 12:29:30\",\"modified_user_id\":null,\"modified_time\":\"2019-03-15 12:29:30\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(31,11,1,'','2019-03-15 12:29:42',915,1785,'da128eb75b91b1c650f81ae874ee58e1e3ec1546','{\"id\":11,\"asset_id\":101,\"title\":\"Education and Communications\",\"alias\":\"education-and-communications\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-03-15 12:29:42\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-15 12:29:42\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-15 12:29:42\",\"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),(32,12,1,'','2019-03-15 13:14:46',915,1755,'a3d4f1ad5613b34bc85582d88c09cef19406810d','{\"id\":12,\"asset_id\":102,\"title\":\"Registrations\",\"alias\":\"registrations\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"13\",\"created\":\"2019-03-15 13:14:46\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-15 13:14:46\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-15 13:14:46\",\"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),(33,13,1,'','2019-03-15 13:16:39',915,1749,'6e7bf034b086e7cc185e40e5d56ff4d6a591bea1','{\"id\":13,\"asset_id\":103,\"title\":\"Complaints\",\"alias\":\"complaints\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-15 13:16:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-15 13:16:39\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-15 13:16:39\",\"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),(36,14,1,'','2019-03-18 12:48:06',915,2740,'7bb1b932260e9345bd4fae3522812a25955721ba','{\"id\":14,\"asset_id\":104,\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 12:48:06\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(37,14,1,'','2019-03-18 12:50:33',915,2760,'a64465bb16d2751156f127de813e79c138ef6cc4','{\"id\":14,\"asset_id\":\"104\",\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 12:50:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-18 12:50:23\",\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"0\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(38,14,1,'','2019-03-18 12:51:14',915,2764,'f28d07ba341ea656f6cd3fa7d7d2d925e319263e','{\"id\":14,\"asset_id\":\"104\",\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 12:51:14\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-18 12:51:03\",\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"0\\\",\\\"show_print_icon\\\":\\\"0\\\",\\\"show_email_icon\\\":\\\"0\\\",\\\"show_vote\\\":\\\"0\\\",\\\"show_hits\\\":\\\"0\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(39,6,1,'','2019-03-18 14:23:41',915,3475,'0f6c0f66093bb42027ed0aefa09ec0d1231c1422','{\"id\":6,\"asset_id\":\"65\",\"title\":\"If you can no longer afford to pay your debts, debt counselling could be of help\",\"alias\":\"if-you-can-no-longer-afford-to-pay-your-debts-debt-counselling-could-be-of-help\",\"introtext\":\"<p><!--<img src=\\\"images\\/credit-bureau267.jpg\\\" alt=\\\"\\\" \\/>-->At times and for many reasons such as recession, change in circumstances and others, consumers find themselves in a debt trap and no longer able to pay their monthly debt repayments. Consumers who are in this situation should not hide, feel despondent or despair; there is a debt relief measure in terms of the National Credit Act (NCA) which could provide relief. This debt relief measure is called debt counselling which is offered by National Credit Regulator\\u2019s (NCR) registered debt counsellors, says Kedilatile Legodi, Manager: Debt Counselling at the NCR.<\\/p>\\r\\n<p>Through debt counselling, consumers can be assisted by getting advice on how to budget and a debt counsellor will negotiate with credit providers on behalf of the consumer for reduced payments and ultimately restructure their debts. \\u201cIf your income is not enough to pay for all your living expenses and all of your debts, chances are that you could be over-indebted.\\u201d There are a number of signs that can assist to check whether a person is over-indebted or not, such as a consumer who cannot repay his \\/ her debts on time as agreed with credit providers; taking out loans in order repay other loans; using a credit card and \\/ or overdraft facility to pay debts, buy food and other necessities; skipping payments on some accounts in order to pay others; starting to receive letters of demand and summonses from credit providers and\\/or lawyers and having judgments granted against them. \\u201cThese are the\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 14:23:41\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-18 14:23:25\",\"publish_up\":\"2019-03-06 15:24:39\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(40,5,1,'','2019-03-18 15:54:50',915,2683,'13cc999d8efa7d78c690222b59b0fccafa8652f1','{\"id\":5,\"asset_id\":\"64\",\"title\":\"Know your rights - Do not to pay any upfront fees when applying for loans\",\"alias\":\"the-national-credit-regulator-issues-a-public-warning-about-charis-financial-services\",\"introtext\":\"<p><!--<img src=\\\"images\\/images.jpg\\\" alt=\\\"\\\" \\/>-->The National Credit Regulator (NCR) has issued a public warning against Charis Financial Services, an unregistered credit provider, conducting business in Pietermaritzburg; KwaZulu-Natal.\\u00a0<br \\/><br \\/>Consumers are warned that loans extended by Charis Financial Services, are unlawful and may be void due to the fact that they are not a registered credit provider.\\u00a0\\u00a0<br \\/><br \\/>\\u201cCredit providers are reminded that as of October 2016 any person or entity that is involved in the provision of credit is required to be registered irrespective of the number of agreements and \\/ or the value of the principal debt\\u201d, says Jacqueline Peters, Manager of the Investigations and Enforcement at the NCR.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:24:12\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 15:54:50\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-18 15:54:34\",\"publish_up\":\"2019-03-06 15:24:12\",\"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\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(41,4,1,'','2019-03-18 15:55:08',915,2954,'220f33a4e633929ce6aa66108934d5bc2aa641b8','{\"id\":4,\"asset_id\":\"63\",\"title\":\"The National Credit Regulator to educate the community of Katlehong in Ekurhuleni on their consumer rights and debt counselling\",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams-2\",\"introtext\":\"<p><!--<img src=\\\"images\\/fake loan.jpeg\\\" alt=\\\"\\\" \\/>-->[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically 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.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:49\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 15:55:08\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-18 15:54:53\",\"publish_up\":\"2019-03-06 15:23:49\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(42,3,1,'','2019-03-18 15:55:25',915,2952,'14a5202dcf19381ce4be7750b3075262803c735a','{\"id\":3,\"asset_id\":\"62\",\"title\":\"National Credit Regulator issues a public warning against fake loan scams\",\"alias\":\"national-credit-regulator-issues-a-public-warning-against-fake-loan-scams\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<p><!--<img src=\\\"images\\/fraud.jpg\\\" alt=\\\"\\\" width=\\\"323\\\" height=\\\"242\\\" \\/>--><\\/p>\\r\\n<p>[<b>JOHANNESBURG<\\/b>] The National Credit Regulator (NCR) has warned consumers to be wary of fake credit providers who attempt to entrap consumers in loan scams.<\\/p>\\r\\n<p>These scams\\u00a0typically 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.\\u00a0<\\/p>\\r\\n<p>The increase in these types of scams comes at a time when credit approvals have decreased and consumers are finding themselves to be financially stretched.\\u00a0 This is the time to be more vigilant as it is in the vulnerable times that we should make wise decisions. The National Credit Act prohibits all advertisements for credit from utilising these prohibited terms and consumers should avoid engaging with any credit provider who advertises in this manner, she added.\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 15:55:25\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-18 15:55:11\",\"publish_up\":\"2019-03-06 15:23:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(43,2,1,'','2019-03-18 15:56:45',915,2895,'501292fe13f328dbef2bda1e0a9b507f727fe14b','{\"id\":2,\"asset_id\":\"61\",\"title\":\"If you have to borrow, borrow wisely!\",\"alias\":\"if-you-have-to-borrow-borrow-wisely\",\"introtext\":\"<p><!--<img src=\\\"images\\/credit rep.jpg\\\" alt=\\\"\\\" width=\\\"312\\\" height=\\\"208\\\" \\/>-->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. It may be because of reckless spending last year, loss of jobs, unplanned costs such as medical, death etc.<\\/p>\\r\\n<p>We have seen some consumers battling financially last year as the VAT increased and petrol increases making things expensive for consumers. However, statistics from the National Credit Regulator shows that the consumer credit health has slightly improved from 38.9% to 37.4% .This number signifies consumers \\/ accounts that are three or more months in arrears.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-06 15:23:09\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 15:56:45\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-18 15:56:32\",\"publish_up\":\"2019-03-06 15:23:09\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(44,16,5,'','2019-03-18 16:02:21',915,553,'80e54368e9964a2da36d979b9cfd6c4f0158fc7a','{\"id\":16,\"asset_id\":106,\"parent_id\":\"1\",\"lft\":\"27\",\"rgt\":28,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Careers\",\"alias\":\"careers\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-18 16:02:21\",\"modified_user_id\":null,\"modified_time\":\"2019-03-18 16:02:21\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(45,15,1,'','2019-03-18 16:02:32',915,1742,'27e5de8f35e24f7ba13f5567910e41344edde5c9','{\"id\":15,\"asset_id\":107,\"title\":\"Careers\",\"alias\":\"careers\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-18 16:02:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-18 16:02:32\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-18 16:02:32\",\"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),(46,16,1,'','2019-03-19 06:33:16',915,5080,'2ffc717f3b71b21426a20cb05db2ae25f5a55b81','{\"id\":16,\"asset_id\":108,\"title\":\"Joint operation between NCR, Office of the Consumer Protector and SASSA in Sarah Baartman District Municipality in the Eastern Cape\",\"alias\":\"joint-operation-between-ncr-office-of-the-consumer-protector-and-sassa-in-sarah-baartman-district-municipality-in-the-eastern-cape\",\"introtext\":\"<p>On Friday, 01 February 2019, the National Credit Regulator (NCR) joined forces with the Office of the Consumer Protector, South African Social Security Agency (SASSA) and South African Police Service (SAPS) from the Sarah Baartman Region in an operation aimed at curbing illegal retention of consumer instruments including identity books, bank cards and SASSA cards, to enforce credit agreements.<\\/p>\\r\\n<p>The operations were conducted at an entity conducting business in Jeffreys Bay, Somerset East and Humansdorp. During the operation, 393 SASSA and bank cards as well as 37 identity books were seized. Four (4) criminal cases were opened and we are hopeful that there will be swift prosecution of these matters.\\u00a0<\\/p>\\r\\n<p>The focus of this kind of operation is primarily to identify credit providers who are unlawfully retaining pension cards, bank cards, identity documents and personal identity numbers (PIN) of their clients as surety. \\u201cRetaining these cards is a contravention of the National Credit Act (NCA) and it is a criminal offence\\u201d, says Jacqueline Peters Manager of the Investigations and Enforcement Department at the National Credit Regulator.\\u00a0<\\/p>\\r\\n<p>Peters says this operation will not be the last of its kind in the region. SASSA and the Office of the Consumer Protector will continue to work together to root out predatory practices and to ensure that all credit providers, no matter where they conduct business, comply with the provisions of the National Credit Act. \\u201cThe exploitation of vulnerable and unsuspecting consumers by credit providers will not be tolerated,\\u201d added Peters.<\\/p>\\r\\n<p>\\u201cConsumers are cautioned to avoid credit providers who require them to hand over their identity books or SASSA cards as it is a criminal offence and it is usually coupled with reckless lending and overcharging\\u201d, concludes Peters.<\\/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 (the Act) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Media Office:\\u00a0<span id=\\\"cloak28443\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><\\/p>\\r\\n<p align=\\\"center\\\">Or<br \\/>Lebogang Selibi<br \\/>(011)\\u00a0 554-2722<br \\/>E-mail:\\u00a0<span id=\\\"cloak63445\\\"><a href=\\\"mailto:lselibi@ncr.org.za\\\">lselibi@ncr.org.za<\\/a><\\/span><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2019-03-19 06:33:16\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-19 06:33:16\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-19 06:33:16\",\"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),(47,15,1,'','2019-03-19 06:33:44',915,1761,'8da34dd5507320baac845d8a6143cd0222072253','{\"id\":15,\"asset_id\":\"107\",\"title\":\"Careers\",\"alias\":\"careers\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 16:02:32\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-19 06:33:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-19 06:33:39\",\"publish_up\":\"2019-03-18 16:02:32\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"4\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(48,17,5,'','2019-03-26 08:44:23',915,549,'094d540d26e92d421cf9a3d2cc053eb00d9dfb03','{\"id\":17,\"asset_id\":109,\"parent_id\":\"1\",\"lft\":\"29\",\"rgt\":30,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Media\",\"alias\":\"media\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-26 08:44:23\",\"modified_user_id\":null,\"modified_time\":\"2019-03-26 08:44:23\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(49,17,1,'','2019-03-26 08:44:52',915,1739,'1099253e9f0f222370902d01aa74018c103182cf','{\"id\":17,\"asset_id\":110,\"title\":\"Media\",\"alias\":\"media\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-03-26 08:44:52\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 08:44:52\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-26 08:44:52\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(50,18,1,'','2019-03-26 08:55:43',915,4518,'26a02a53f760681ff9e92e8c4b43c8ebee03a709','{\"id\":18,\"asset_id\":112,\"title\":\"Educational Information And Brochures\",\"alias\":\"educational-information-and-brochures\",\"introtext\":\"<table style=\\\"height: 86px;\\\" width=\\\"700\\\">\\r\\n<tbody>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><strong>Sinking into Debt\\u00a0<\\/strong><\\/td>\\r\\n<td valign=\\\"top\\\"><strong>Take Control of Your Finances<\\/strong><\\/td>\\r\\n<td valign=\\\"top\\\"><strong>Introductory Brochure<\\/strong>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\"><img src=\\\"http:\\/\\/www.ncr.org.za\\/images\\/SID_thumb_eng.jpg\\\" alt=\\\"\\\" \\/><\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"http:\\/\\/www.ncr.org.za\\/images\\/the_guide.jpg\\\" alt=\\\"\\\" \\/><\\/td>\\r\\n<td valign=\\\"top\\\"><img src=\\\"http:\\/\\/www.ncr.org.za\\/images\\/pub_04.jpg\\\" alt=\\\"\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"..\\/ncr\\/..\\/brochures\\/Take Control Of Your Finances\\/brochure5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view brochure<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"..\\/ncr\\/..\\/brochures\\/Take Control Of Your Finances\\/brochure5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view brochure<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"..\\/ncr\\/..\\/brochures\\/Take Control Of Your Finances\\/brochure5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view brochure<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\"><strong>Credit Bureau and your Right<\\/strong><\\/td>\\r\\n<td><strong>The National Credit Act and <br \\/>the National Credit Regulator<\\/strong><\\/td>\\r\\n<td valign=\\\"top\\\"><strong>NCR Consumer Booklet<\\/strong><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\"><img src=\\\"http:\\/\\/www.ncr.org.za\\/images\\/pub_03.jpg\\\" alt=\\\"\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\"><img src=\\\"http:\\/\\/www.ncr.org.za\\/images\\/NCRA.jpg\\\" alt=\\\"\\\" \\/><\\/td>\\r\\n<td align=\\\"center\\\" valign=\\\"top\\\"><img src=\\\"http:\\/\\/www.ncr.org.za\\/images\\/Consumer_Booklet.jpg\\\" alt=\\\"\\\" \\/><\\/td>\\r\\n<\\/tr>\\r\\n<tr align=\\\"center\\\">\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"..\\/ncr\\/..\\/brochures\\/Take Control Of Your Finances\\/brochure5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view brochure<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"..\\/ncr\\/..\\/brochures\\/Take Control Of Your Finances\\/brochure5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view brochure<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\">\\r\\n<p><a href=\\\"..\\/ncr\\/..\\/brochures\\/Take Control Of Your Finances\\/brochure5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view brochure<\\/a><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td colspan=\\\"3\\\"><hr \\/>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"17\",\"created\":\"2019-03-26 08:55:43\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 08:55:43\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-26 08:55:43\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(53,18,5,'','2019-03-26 09:36:36',915,559,'337b23cc5da8258ced571ba446ab519394895b86','{\"id\":18,\"asset_id\":114,\"parent_id\":\"1\",\"lft\":\"31\",\"rgt\":32,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Contact us\",\"alias\":\"contact-us\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-26 09:36:36\",\"modified_user_id\":null,\"modified_time\":\"2019-03-26 09:36:36\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(55,19,5,'','2019-03-26 09:41:38',915,553,'c76a5f6d12528632ec971ec14d42a8a651137c09','{\"id\":19,\"asset_id\":116,\"parent_id\":\"1\",\"lft\":\"33\",\"rgt\":34,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"The act\",\"alias\":\"the-act\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-26 09:41:38\",\"modified_user_id\":null,\"modified_time\":\"2019-03-26 09:41:38\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(56,19,5,'','2019-03-26 09:41:50',915,582,'4925637f6a12a373a204ac0b793b34e62631da2d','{\"id\":19,\"asset_id\":\"116\",\"parent_id\":\"1\",\"lft\":\"33\",\"rgt\":\"34\",\"level\":\"1\",\"path\":\"the-act\",\"extension\":\"com_content\",\"title\":\"The Act\",\"alias\":\"the-act\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 09:41:45\",\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-26 09:41:38\",\"modified_user_id\":\"915\",\"modified_time\":\"2019-03-26 09:41:50\",\"hits\":\"0\",\"language\":\"*\",\"version\":\"1\"}',0),(59,21,1,'','2019-03-26 09:50:00',915,3505,'9c578b1b477acf18430bc2f97b2e2160f4612464','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Amendment Act<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCA-amendment-Regulations-March-20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment - Amendment Regulations\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/National Credit Amendment Act.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment Act<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 09:50:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 09:49:30\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"2\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(60,21,1,'','2019-03-26 09:50:54',915,5036,'d370731c0426499028bc790c2f5c72186c67fc1c','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Amendment Act<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCA-amendment-Regulations-March-20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment - Amendment Regulations\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/National Credit Amendment Act.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment Act<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Credit Life Regulations 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Life Regulations 2017<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/National Credit regulations_b.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulations<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Amendment_Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Amendment of the Regulations (Act No 34 of 2005)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 1-Prescribed forms.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 1-Prescribed forms<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 2-prescribed fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 2-Prescribed fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 09:50:54\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 09:50:00\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(61,21,1,'','2019-03-26 10:08:54',915,6275,'80060f186077cc164a2308ec6a7e612d9bd642ee','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Amendment Act<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCA-amendment-Regulations-March-20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment - Amendment Regulations\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/National Credit Amendment Act.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment Act<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Credit Life Regulations 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Life Regulations 2017<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/National Credit regulations_b.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulations<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Amendment_Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Amendment of the Regulations (Act No 34 of 2005)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 1-Prescribed forms.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 1-Prescribed forms<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 2-prescribed fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 2-Prescribed fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Implementation Schedule<\\/h4>\\r\\n<p>In terms of section 173 of the National Credit Act No. 34 of 2005 (The Act), the following dates have been fixed for the implementation of the stated sections of The Act.<\\/p>\\r\\n<ul>\\r\\n<li><strong>1 June 2006<\\/strong> as the date on which sections 1 to 11 (Chapter 1); sections 12 to 25 and 35 to 38 (Chapter 2 Part A, C and D); sections 39 to 59 (Chapter 3); section 69; section 73; sections 134 to 152 (Chapter 7); sections 153 to 162 and sections 164 to 170 (Chapter 8 excluding section 163); sections 171 to 173 (Chapter 9); Schedule 1; Schedule 2 and Schedule 3 shall come into operation;<\\/li>\\r\\n<li><strong>1 September 2006<\\/strong> as the date on which sections 26 to 34 (Chapter 2 Part B); sections 67, 68, 70 and 72 shall come into operation;<\\/li>\\r\\n<li><strong>1 June 2007<\\/strong> as the date on which sections 60 to 66 (Chapter 4 Part A); section 71; sections 74 to 88 (Chapter 4 Part C and D); sections 89 to 123 (Chapter 5); sections 124 to 133 (Chapter 6); and section 163 shall come into operation.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/implementation_schedule\\/0510165505_2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the proclamation<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 10:08:54\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 09:50:54\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(62,21,1,'','2019-03-26 10:12:23',915,6961,'610529ef2c678a75243a633338c2946e48d35e17','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Amendment Act<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCA-amendment-Regulations-March-20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment - Amendment Regulations\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/National Credit Amendment Act.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment Act<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Credit Life Regulations 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Life Regulations 2017<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/National Credit regulations_b.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulations<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Amendment_Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Amendment of the Regulations (Act No 34 of 2005)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 1-Prescribed forms.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 1-Prescribed forms<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 2-prescribed fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 2-Prescribed fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Implementation Schedule<\\/h4>\\r\\n<p>In terms of section 173 of the National Credit Act No. 34 of 2005 (The Act), the following dates have been fixed for the implementation of the stated sections of The Act.<\\/p>\\r\\n<ul>\\r\\n<li><strong>1 June 2006<\\/strong> as the date on which sections 1 to 11 (Chapter 1); sections 12 to 25 and 35 to 38 (Chapter 2 Part A, C and D); sections 39 to 59 (Chapter 3); section 69; section 73; sections 134 to 152 (Chapter 7); sections 153 to 162 and sections 164 to 170 (Chapter 8 excluding section 163); sections 171 to 173 (Chapter 9); Schedule 1; Schedule 2 and Schedule 3 shall come into operation;<\\/li>\\r\\n<li><strong>1 September 2006<\\/strong> as the date on which sections 26 to 34 (Chapter 2 Part B); sections 67, 68, 70 and 72 shall come into operation;<\\/li>\\r\\n<li><strong>1 June 2007<\\/strong> as the date on which sections 60 to 66 (Chapter 4 Part A); section 71; sections 74 to 88 (Chapter 4 Part C and D); sections 89 to 123 (Chapter 5); sections 124 to 133 (Chapter 6); and section 163 shall come into operation.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/implementation_schedule\\/0510165505_2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the proclamation<\\/a><\\/p>\\r\\n<h4>Ministerial Notice Regarding Thresholds<\\/h4>\\r\\n<p>Determination of Thresholds<\\/p>\\r\\n<p>In terms of section 7.(1), 10(1) and the 42(1) of the National Credit Act, 2005 (Act No.34 of2005) I, mandisi Mpahlwa, Minister of Trade and Industry, do hereby make the determination of thresholds as set out in the schedle hereto.<\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/ministerial_notice_regarding_thresholds\\/1_28893_1_6_Trade.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Read more<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/ministerial_notice_regarding_thresholds\\/Threshold Regulation.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Read more<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 10:12:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 10:08:54\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"7\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(63,21,1,'','2019-03-26 10:12:55',915,6943,'c05b18a6a1b425929a60f38db6d5fea4b9da9f25','{\"id\":21,\"asset_id\":\"117\",\"title\":\"Download the act\",\"alias\":\"download-the-act\",\"introtext\":\"<p>National Credit ACT To promote a fair and non-discriminatory marketplace for access to consumer credit and for that purpose to provide for the general regulation of consumer credit and improved standards of consumer information;<\\/p>\\r\\n<ul>\\r\\n<li>to promote black economic empowerment and ownership within the consumer credit industry;<\\/li>\\r\\n<li>to prohibit certain unfair credit and credit-marketing practices;<\\/li>\\r\\n<li>to promote responsible credit granting and use and for that purpose to prohibit reckless credit granting; to provide for debt re-organisation in cases of over-indebtedness; to regulate credit information;<\\/li>\\r\\n<li>to provide for registration of credit bureaux, credit providers and debt counselling services;<\\/li>\\r\\n<li>to establish national norms and standards relating to consumer credit;<\\/li>\\r\\n<li>to promote a consistent enforcement framework relating to consumer credit;<\\/li>\\r\\n<li>to establish the National Credit Regulator and the National Consumer Tribunal;<\\/li>\\r\\n<li>to repeal the Usury Act, 1968, and the Credit Agreements Act, 1980; and to provide for related incidental matters.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/download_act\\/NATIONAL_CREDIT_ACT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">click here to download the act<\\/a><\\/p>\\r\\n<h4>National Credit Amendment Act<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/NCA-amendment-Regulations-March-20151.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment - Amendment Regulations\\u00a0<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/National Credit Amendment Act.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Amendment Act<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>National Credit Regulations<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Credit Life Regulations 2017.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Life Regulations 2017<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/National Credit regulations_b.zip\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">National Credit Regulations<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Amendment_Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Amendment of the Regulations (Act No 34 of 2005)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 1-Prescribed forms.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 1-Prescribed forms<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/national_credit_regulations\\/Schedule 2-prescribed fees.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Schedule 2-Prescribed fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Final Credit Life Insurance Regulation<\\/a><\\/li>\\r\\n<!--<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15111716420.compressed.pdf\\\" target=\\\"_blank\\\">Draft Credit Life Insurance Regulation, 2015<\\/a><\\/li>-->\\r\\n<li><a href=\\\"documents\\/pages\\/Acts\\/SKM_C284e15110908440.compressed.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Implementation Schedule<\\/h4>\\r\\n<p>In terms of section 173 of the National Credit Act No. 34 of 2005 (The Act), the following dates have been fixed for the implementation of the stated sections of The Act.<\\/p>\\r\\n<ul>\\r\\n<li><strong>1 June 2006<\\/strong> as the date on which sections 1 to 11 (Chapter 1); sections 12 to 25 and 35 to 38 (Chapter 2 Part A, C and D); sections 39 to 59 (Chapter 3); section 69; section 73; sections 134 to 152 (Chapter 7); sections 153 to 162 and sections 164 to 170 (Chapter 8 excluding section 163); sections 171 to 173 (Chapter 9); Schedule 1; Schedule 2 and Schedule 3 shall come into operation;<\\/li>\\r\\n<li><strong>1 September 2006<\\/strong> as the date on which sections 26 to 34 (Chapter 2 Part B); sections 67, 68, 70 and 72 shall come into operation;<\\/li>\\r\\n<li><strong>1 June 2007<\\/strong> as the date on which sections 60 to 66 (Chapter 4 Part A); section 71; sections 74 to 88 (Chapter 4 Part C and D); sections 89 to 123 (Chapter 5); sections 124 to 133 (Chapter 6); and section 163 shall come into operation.<\\/li>\\r\\n<\\/ul>\\r\\n<p><a href=\\\"documents\\/pages\\/implementation_schedule\\/0510165505_2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">View the proclamation<\\/a><\\/p>\\r\\n<h4>Ministerial Notice Regarding Thresholds<\\/h4>\\r\\n<p>Determination of Thresholds<\\/p>\\r\\n<p>In terms of section 7.(1), 10(1) and the 42(1) of the National Credit Act, 2005 (Act No.34 of2005) I, mandisi Mpahlwa, Minister of Trade and Industry, do hereby make the determination of thresholds as set out in the schedle hereto.<\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/ministerial_notice_regarding_thresholds\\/1_28893_1_6_Trade.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Read more<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/ministerial_notice_regarding_thresholds\\/Threshold Regulation.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Read more<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-03-26 09:46:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 10:12:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 10:12:23\",\"publish_up\":\"2019-03-26 09:46:26\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(64,22,1,'','2019-03-26 11:12:22',915,6615,'58fb6caf21fa578fd533b16a2a3a33c19c545e82','{\"id\":22,\"asset_id\":118,\"title\":\"Over-Indebtedness\",\"alias\":\"over-indebtedness\",\"introtext\":\"<p>Consumers are advised to seek help during these tough economical times, instead of rushing to apply for more credit in order to pay off their debts. The NCR as part of our mandate to educate and protect consumers have devised a \\u201cSelf Help\\u201d document for consumers to help you cope with debt stress.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>The following are tips from the NCR:<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>1. \\u00a0Know your Financial Status<\\/p>\\r\\n<p>1.1 Know all your creditors \\u2013 create a spread sheet of all your accounts\\/debts as well as monthly expenditure.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>1.1.1 Have a spending plan and stick to it!<\\/p>\\r\\n<p>1.1.2 List all your expenses e.g.<\\/p>\\r\\n<ul>\\r\\n<li>Rent\\/mortgage<\\/li>\\r\\n<li>Water\\/electricity\\/rates<\\/li>\\r\\n<li>Grocery<\\/li>\\r\\n<li>Transport<\\/li>\\r\\n<li>School\\/cr\\u00e8che fees<\\/li>\\r\\n<li>Medical expenses (if not on medical aid)<\\/li>\\r\\n<li>Insurances<\\/li>\\r\\n<li>Bank charges (estimate, based on statement)<\\/li>\\r\\n<\\/ul>\\r\\n<p>1.2 Compare your total monthly income with your total expenditure<\\/p>\\r\\n<p>1.3 If your expenditure is more than your income\\u00a0<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>DO SOMETHING ABOUT IT!<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>2. Communicate with your Credit Providers<\\/p>\\r\\n<p>2.1 Know all your credit providers\\u2019 contact details and keep your account statements in a safe place.<\\/p>\\r\\n<p>2.2 When you are experience problems repaying your debts, contact your creditors. Get in touch with the Credit Department, not your local branch.<\\/p>\\r\\n<p>2.3 Always explain your situation if you cannot afford to pay your instalments.<\\/p>\\r\\n<p>2.4 Do not promise to pay what you don\\u2019t have. Rather negotiate for lower instalments than skip payments.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong>Here are some useful contact details:\\u00a0<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><strong>ABSA<\\/strong> -\\u00a0ABSA Customer Debt Repair Line: 0860 356 356<\\/li>\\r\\n<li><strong>Nedbank<\\/strong> -\\u00a0Debt Rehabilitation &amp; Recoveries Services: 0860 109 279<\\/li>\\r\\n<li><strong>Standard Bank<\\/strong> -\\u00a0Contact your Standard bank branch<\\/li>\\r\\n<li><strong>First National Bank<\\/strong> -\\u00a0Debt Review centre \\u2013 0860 362 002<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>3. Avoid getting more Debt. Rather downgrade and change your lifestyle!<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>3.1 <strong>Things you need to cut\\/adjust are:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>Domestic worker (unless this is the substitute for cr\\u00e8che)<\\/li>\\r\\n<li>Alcohol<\\/li>\\r\\n<li>Tobacco \\/ cigarettes<\\/li>\\r\\n<li>Entertainment<\\/li>\\r\\n<li>Club membership<\\/li>\\r\\n<li>M-Net, DSTV<\\/li>\\r\\n<li>Holiday clubs<\\/li>\\r\\n<li>Gambling<\\/li>\\r\\n<li>If you are driving an expensive car consider a down grade for a less expensive car. This will reduce your monthly instalment thus enabling you to pay other debts.<\\/li>\\r\\n<li>If you are no longer able to afford the house you live in, consider selling it and getting something more reasonable.<\\/li>\\r\\n<li>Where possible use public transport.<\\/li>\\r\\n<li>Go to your financial advisor and have another look at the insurance contracts that you have. Contact an independent financial advisor. Contact details are available at the FSB at 012 428 8000.You may find that you do not really need some of them.<\\/li>\\r\\n<li>Use any savings you making from your adjustment to pay the most expensive loans such as micro loans followed by your credit card.<\\/li>\\r\\n<\\/ol>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>4. Look twice for a better price<\\/p>\\r\\n<ul>\\r\\n<li>4.1 When you do your groceries do price comparison across major stores and settle for less. Only buy items that you cannot survive without and look for specials.<\\/li>\\r\\n<li>4.2 No-name brands are usually cheaper and are sometimes of good quality.<\\/li>\\r\\n<li>4.3 Fresh\\/loose vegetables are cheaper than prepared\\/frozen vegetables.<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>5. If you need support and a helping hand<\\/p>\\r\\n<ul>\\r\\n<li>5.1 Contact a debt counsellor, call 0860 627 627 to locate one in your area or log onto www.ncr.org.zaand click on \\u201cregister of registrants\\u201d, then select debt counsellors.<\\/li>\\r\\n<li>5.2 Once you are under debt counselling, you will not be allowed to access credit until you have received a clearance certificate from a debt counsellor.<\\/li>\\r\\n<li>5.3 If and when you receive letters from your creditors do not ignore them, take them seriously, act on them and seek help!!<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>6. If you are facing repossession seek advice and remember , you have Rights as well !<\\/p>\\r\\n<ul>\\r\\n<li>6.1 According to the National Credit Act you have certain rights when you want to surrender goods to your credit provider;<\\/li>\\r\\n<li>6.2 You also have rights when the credit provider enforces the debt using repossession.<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-03-26 11:12:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 11:12:22\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-26 11:12:22\",\"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),(65,23,1,'','2019-03-26 11:13:12',915,2908,'b082b082083c1c86079f6b39a6d388af19cfdffa','{\"id\":23,\"asset_id\":119,\"title\":\"Consumer Assistance\",\"alias\":\"consumer-assistance\",\"introtext\":\"<p>A consumer may apply to a Debt counsellor to be declared over-indebted. If the debt counsellor finds that the consumer is indeed over-indebted, he\\/she will make a recommendation to the Magistrate\\u2019s Court for the consumer to be declared over-indebted. The Court may in turn re-organise the consumer\\u2019s debt by extending the term of any agreement, postponing payments, recalculating unlawful fees or interest and may order adjustments to improperly charged items.<\\/p>\\r\\n<p>If a debt counsellor finds that a consumer is not over-indebted, he\\/she will provide the consumer with a letter of rejection. The consumer may then appeal to court for a review of the counsellor\\u2019s decision.<\\/p>\\r\\n<p>A consumer who is over-indebted may approach a debt counsellor directly, or he\\/she may be referred to a debt counsellor by his\\/her creditor\\/s or by the magistrate court.\\u00a0<\\/p>\\r\\n<p>Please click on any of the following regions to find counselling services in your area, or if you are looking for a Debt Counsellor please go to the <a href=\\\"register_of_registrants\\/index.html\\\">Register of Registrants<\\/a>\\u00a0page:<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-03-26 11:13:12\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 11:13:12\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-03-26 11:13:12\",\"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),(70,20,1,'','2019-03-26 18:05:24',915,6513,'1c7c8d08edf1f3ce24f14ea3c04104574642159e','{\"id\":20,\"asset_id\":\"115\",\"title\":\"Provincial Consumer Affairs Department\",\"alias\":\"provincial-consumer-affairs-department\",\"introtext\":\"<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Eastern Cape\\u00a0<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Gauteng<\\/strong><\\/td>\\r\\n<td>:\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">0860 007255<\\/span><\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8006<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">086\\u00a0611 4305<\\/span><\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8110<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.dedea.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.dedea.gov.za<\\/a><\\/span><\\/td>\\r\\n<td>Website\\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.ecodev.gpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ecodev.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer.protector@dedea.gov.za\\\">consumer.protector@dedea.gov.za<\\/a><\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer@gauteng.gov.za\\\">consumer@gauteng.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Mpumalanga<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Limpopo<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 013 766 4802<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 295 5740<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax \\u00a0\\u00a0<\\/td>\\r\\n<td>: 013 766 4966<\\/td>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 015 293 8300<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/dpwrt.mpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.mpg.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0www.ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: nnkosi@mpg.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: findo@ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>North West<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Free State<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 018 387 7700<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 400 4852 \\/ 086 514 6112<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 018 384 9440<\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 051 400 9610<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.nwpg.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nwpg.gov.za<\\/a><\\/td>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td>:\\u00a0www.detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rbalepile@nwpg.gov.za<\\/td>\\r\\n<td>Email Address\\u00a0<\\/td>\\r\\n<td>: Radikelt@detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"398\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Kwa-Zulu Natal<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Northern Cape<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 033 264 2500<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 053 831 5562<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 033 264 2676<\\/td>\\r\\n<td>Fax \\u00a0<\\/td>\\r\\n<td>: 053 831 5547<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.kznded.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.kznded.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.ncpg.org.sg\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ncpg.gov.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rabotapil@kznded.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Aleciaph100@yahoo.com<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-03-26 09:37:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 18:05:24\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 18:00:42\",\"publish_up\":\"2019-03-26 09:37:02\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"9\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(71,20,1,'','2019-03-26 18:06:16',915,6515,'863e7d5ee0463fe5a74ad42276ef20c6f48b9da2','{\"id\":20,\"asset_id\":\"115\",\"title\":\"Provincial Consumer Affairs Department\",\"alias\":\"provincial-consumer-affairs-department\",\"introtext\":\"<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Eastern Cape\\u00a0<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Gauteng<\\/strong><\\/td>\\r\\n<td>:\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">0860 007255<\\/span><\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8006<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">086\\u00a0611 4305<\\/span><\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8110<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.dedea.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.dedea.gov.za<\\/a><\\/span><\\/td>\\r\\n<td>Website\\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.ecodev.gpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ecodev.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer.protector@dedea.gov.za\\\">consumer.protector@dedea.gov.za<\\/a><\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer@gauteng.gov.za\\\">consumer@gauteng.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Mpumalanga<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Limpopo<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 013 766 4802<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 295 5740<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax \\u00a0\\u00a0<\\/td>\\r\\n<td>: 013 766 4966<\\/td>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 015 293 8300<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/dpwrt.mpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.mpg.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0www.ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: nnkosi@mpg.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: findo@ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>North West<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Free State<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 018 387 7700<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 400 4852 \\/ 086 514 6112<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 018 384 9440<\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 051 400 9610<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.nwpg.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nwpg.gov.za<\\/a><\\/td>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td>:\\u00a0www.detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rbalepile@nwpg.gov.za<\\/td>\\r\\n<td>Email Address\\u00a0<\\/td>\\r\\n<td>: Radikelt@detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Kwa-Zulu Natal<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Northern Cape<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 033 264 2500<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 053 831 5562<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 033 264 2676<\\/td>\\r\\n<td>Fax \\u00a0<\\/td>\\r\\n<td>: 053 831 5547<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.kznded.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.kznded.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.ncpg.org.sg\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ncpg.gov.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rabotapil@kznded.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Aleciaph100@yahoo.com<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-03-26 09:37:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 18:06:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 18:05:24\",\"publish_up\":\"2019-03-26 09:37:02\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"10\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(72,20,1,'','2019-03-26 18:09:18',915,7157,'35f78d50ef2c520dd956c8c3d5e5ac353f374516','{\"id\":20,\"asset_id\":\"115\",\"title\":\"Provincial Consumer Affairs Department\",\"alias\":\"provincial-consumer-affairs-department\",\"introtext\":\"<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Eastern Cape\\u00a0<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Gauteng<\\/strong><\\/td>\\r\\n<td>:\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">0860 007255<\\/span><\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8006<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">086\\u00a0611 4305<\\/span><\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8110<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.dedea.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.dedea.gov.za<\\/a><\\/span><\\/td>\\r\\n<td>Website\\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.ecodev.gpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ecodev.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer.protector@dedea.gov.za\\\">consumer.protector@dedea.gov.za<\\/a><\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer@gauteng.gov.za\\\">consumer@gauteng.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Mpumalanga<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Limpopo<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 013 766 4802<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 295 5740<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax \\u00a0\\u00a0<\\/td>\\r\\n<td>: 013 766 4966<\\/td>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 015 293 8300<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/dpwrt.mpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.mpg.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0www.ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: nnkosi@mpg.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: findo@ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>North West<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Free State<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 018 387 7700<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 400 4852 \\/ 086 514 6112<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 018 384 9440<\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 051 400 9610<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.nwpg.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nwpg.gov.za<\\/a><\\/td>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td>:\\u00a0www.detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rbalepile@nwpg.gov.za<\\/td>\\r\\n<td>Email Address\\u00a0<\\/td>\\r\\n<td>: Radikelt@detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Kwa-Zulu Natal<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Northern Cape<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 033 264 2500<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 053 831 5562<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 033 264 2676<\\/td>\\r\\n<td>Fax \\u00a0<\\/td>\\r\\n<td>: 053 831 5547<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.kznded.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.kznded.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.ncpg.org.sg\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ncpg.gov.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rabotapil@kznded.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Aleciaph100@yahoo.com<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"50%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Western\\u00a0Cape<\\/strong>\\u00a0<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall\\u00a0<\\/td>\\r\\n<td>: 021 483 5133 \\/ 080 000 7081<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 021 483 5872<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.westerncape.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.westerncape.gov.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: consumer.protector@westerncape.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-03-26 09:37:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 18:09:18\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 18:06:16\",\"publish_up\":\"2019-03-26 09:37:02\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"11\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(73,20,1,'','2019-03-26 18:10:16',915,7160,'c93363eeb36c294d6dfd292e4d108b81e4cd3758','{\"id\":20,\"asset_id\":\"115\",\"title\":\"Provincial Consumer Affairs Department\",\"alias\":\"provincial-consumer-affairs-department\",\"introtext\":\"<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Eastern Cape\\u00a0<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Gauteng<\\/strong><\\/td>\\r\\n<td>:\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">0860 007255<\\/span><\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8006<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">086\\u00a0611 4305<\\/span><\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">011\\u00a0355 8110<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.dedea.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.dedea.gov.za<\\/a><\\/span><\\/td>\\r\\n<td>Website\\u00a0<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"http:\\/\\/www.ecodev.gpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ecodev.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td><span style=\\\"line-height: 15.8079996109009px;\\\">:\\u00a0<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer.protector@dedea.gov.za\\\">consumer.protector@dedea.gov.za<\\/a><\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>:\\u00a0<span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:consumer@gauteng.gov.za\\\">consumer@gauteng.gov.za<\\/a><\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Mpumalanga<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Limpopo<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 013 766 4802<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 295 5740<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax \\u00a0\\u00a0<\\/td>\\r\\n<td>: 013 766 4966<\\/td>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 015 293 8300<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/dpwrt.mpg.gov.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.mpg.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0www.ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: nnkosi@mpg.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: findo@ledet.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>North West<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Free State<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 018 387 7700<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 015 400 4852 \\/ 086 514 6112<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 018 384 9440<\\/td>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 051 400 9610<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.nwpg.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nwpg.gov.za<\\/a><\\/td>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td>:\\u00a0www.detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rbalepile@nwpg.gov.za<\\/td>\\r\\n<td>Email Address\\u00a0<\\/td>\\r\\n<td>: Radikelt@detea.fs.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"100%\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Kwa-Zulu Natal<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<td><strong>Northern Cape<\\/strong><\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 033 264 2500<\\/td>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall<\\/td>\\r\\n<td>: 053 831 5562<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 033 264 2676<\\/td>\\r\\n<td>Fax \\u00a0<\\/td>\\r\\n<td>: 053 831 5547<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.kznded.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.kznded.gov.za<\\/a><\\/td>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.ncpg.org.sg\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.ncpg.gov.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Rabotapil@kznded.gov.za<\\/td>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: Aleciaph100@yahoo.com<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<table style=\\\"height: 86px;\\\" width=\\\"450px\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><strong>Western\\u00a0Cape<\\/strong>\\u00a0<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone\\/Tollfree\\/Sharecall\\u00a0<\\/td>\\r\\n<td>: 021 483 5133 \\/ 080 000 7081<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax\\u00a0<\\/td>\\r\\n<td>: 021 483 5872<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website \\u00a0<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.westerncape.gov.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.westerncape.gov.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email Address<\\/td>\\r\\n<td>: consumer.protector@westerncape.gov.za<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-03-26 09:37:02\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-26 18:10:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-26 18:09:18\",\"publish_up\":\"2019-03-26 09:37:02\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"12\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(87,14,1,'','2019-03-28 13:12:50',915,2851,'5cd119308daeac21b8ebdac727543a2723689334','{\"id\":14,\"asset_id\":\"104\",\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>{loadmodule mod_easyaccordioncontent,High profile cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-28 13:12:50\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-28 13:12:42\",\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"0\\\",\\\"show_print_icon\\\":\\\"0\\\",\\\"show_email_icon\\\":\\\"0\\\",\\\"show_vote\\\":\\\"0\\\",\\\"show_hits\\\":\\\"0\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"63\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(88,14,1,'','2019-03-28 13:14:43',915,2783,'9a629e43f7ba8b72ac61755974da6159f946ef06','{\"id\":14,\"asset_id\":\"104\",\"title\":\"About us\",\"alias\":\"about-us\",\"introtext\":\"<p>The National Credit Regulator (NCR) was established as the regulator under the National Credit Act No. 34 of 2005 (The Act) and is responsible for the regulation of the South African credit industry. It is tasked with carrying out education, research, policy development, registration of industry participants, investigation of complaints, and ensuring the enforcement of the Act.<\\/p>\\r\\n<p>The Act requires the Regulator to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR is also tasked with the registration of credit providers, credit bureaux and debt counsellors; and with the enforcement of compliance with the Act.<\\/p>\\r\\n<p>For further information refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/1. The NCR (section 12-23).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/p>\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-18 12:48:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-28 13:14:43\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-28 13:14:33\",\"publish_up\":\"2019-03-18 12:48:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"0\\\",\\\"show_print_icon\\\":\\\"0\\\",\\\"show_email_icon\\\":\\\"0\\\",\\\"show_vote\\\":\\\"0\\\",\\\"show_hits\\\":\\\"0\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"67\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(92,8,1,'','2019-03-28 13:23:33',915,2776,'71117f718de550665010b37a7418b9bc63ce4dc4','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p>Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act No. 34 of 2005 and taking the necessary enforcement action. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referrer matters to the National Consumer Tribunal, issue compliance notices, non-referrals or instruction letters to address non-compliance.<\\/p>\\r\\n<p>The Department strives to bring about compliance with the National Credit Act and works closely with the Hawks and South African Police Services in conducting raids across the country in order to identify and protect the public against unscrupulous, fraudulent credit schemes, unregistered credit providers and credit providers who retains consumer\\u2019s instruments.<\\/p>\\r\\n<h3>High profile cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,High profile cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-03-28 13:23:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-03-28 13:23:14\",\"publish_up\":\"2019-03-14 15:18:28\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":29,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"129\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(93,20,5,'','2019-03-28 13:32:51',915,563,'59f26d5b91abb9b8fb848d5fc0155131f1528fb1','{\"id\":20,\"asset_id\":124,\"parent_id\":\"1\",\"lft\":\"35\",\"rgt\":36,\"level\":1,\"path\":null,\"extension\":\"com_content\",\"title\":\"Publications\",\"alias\":\"publications\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-03-28 13:32:51\",\"modified_user_id\":null,\"modified_time\":\"2019-03-28 13:32:51\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(112,1,2,'','2019-04-02 08:59:10',915,1777,'d0c3e8ea6b093683844240ca759a2b8e114da494','{\"id\":1,\"name\":\" Eastern Cape \",\"alias\":\"eastern-cape\",\"con_position\":\"\",\"address\":\"\",\"suburb\":\"\",\"state\":\"\",\"country\":\"\",\"postcode\":\"\",\"telephone\":\"0860 007255\",\"fax\":\" 086 611 4305\",\"misc\":\"\",\"image\":\"\",\"email_to\":\"consumer.protector@dedea.gov.za\",\"default_con\":0,\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"ordering\":1,\"params\":\"{\\\"show_contact_category\\\":\\\"\\\",\\\"show_contact_list\\\":\\\"\\\",\\\"presentation_style\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_info\\\":\\\"\\\",\\\"show_name\\\":\\\"\\\",\\\"show_position\\\":\\\"\\\",\\\"show_email\\\":\\\"\\\",\\\"add_mailto_link\\\":\\\"\\\",\\\"show_street_address\\\":\\\"\\\",\\\"show_suburb\\\":\\\"\\\",\\\"show_state\\\":\\\"\\\",\\\"show_postcode\\\":\\\"\\\",\\\"show_country\\\":\\\"\\\",\\\"show_telephone\\\":\\\"\\\",\\\"show_mobile\\\":\\\"\\\",\\\"show_fax\\\":\\\"\\\",\\\"show_webpage\\\":\\\"\\\",\\\"show_image\\\":\\\"\\\",\\\"show_misc\\\":\\\"\\\",\\\"allow_vcard\\\":\\\"\\\",\\\"show_articles\\\":\\\"\\\",\\\"articles_display_num\\\":\\\"\\\",\\\"show_profile\\\":\\\"\\\",\\\"show_links\\\":\\\"\\\",\\\"linka_name\\\":\\\"\\\",\\\"linka\\\":false,\\\"linkb_name\\\":\\\"\\\",\\\"linkb\\\":false,\\\"linkc_name\\\":\\\"\\\",\\\"linkc\\\":false,\\\"linkd_name\\\":\\\"\\\",\\\"linkd\\\":false,\\\"linke_name\\\":\\\"\\\",\\\"linke\\\":false,\\\"contact_layout\\\":\\\"\\\",\\\"show_email_form\\\":\\\"\\\",\\\"show_email_copy\\\":\\\"\\\",\\\"banned_email\\\":\\\"\\\",\\\"banned_subject\\\":\\\"\\\",\\\"banned_text\\\":\\\"\\\",\\\"validate_session\\\":\\\"\\\",\\\"custom_reply\\\":\\\"\\\",\\\"redirect\\\":\\\"\\\"}\",\"user_id\":0,\"catid\":\"4\",\"access\":\"1\",\"mobile\":\"\",\"webpage\":\"http:\\/\\/www.dedea.gov.za\",\"sortname1\":\"\",\"sortname2\":\"\",\"sortname3\":\"\",\"language\":\"*\",\"created\":\"2019-04-02 08:59:10\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-02 08:59:10\",\"modified_by\":null,\"metakey\":\"\",\"metadesc\":\"\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"rights\\\":\\\"\\\"}\",\"featured\":\"0\",\"xreference\":\"\",\"publish_up\":\"0000-00-00 00:00:00\",\"publish_down\":\"0000-00-00 00:00:00\",\"version\":1,\"hits\":null}',0),(113,21,6,'','2019-04-02 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00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(129,22,6,'','2019-04-02 11:59:12',915,569,'7230c6a7354ec52e8fffa8861b44ca8f7d6b66da','{\"id\":22,\"asset_id\":130,\"parent_id\":\"1\",\"lft\":\"39\",\"rgt\":40,\"level\":1,\"path\":null,\"extension\":\"com_contact\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"note\":\"\",\"description\":\"\",\"published\":\"1\",\"checked_out\":null,\"checked_out_time\":null,\"access\":\"1\",\"params\":\"{\\\"category_layout\\\":\\\"\\\",\\\"image\\\":\\\"\\\",\\\"image_alt\\\":\\\"\\\"}\",\"metadesc\":\"\",\"metakey\":\"\",\"metadata\":\"{\\\"author\\\":\\\"\\\",\\\"robots\\\":\\\"\\\"}\",\"created_user_id\":\"915\",\"created_time\":\"2019-04-02 11:59:12\",\"modified_user_id\":null,\"modified_time\":\"2019-04-02 11:59:12\",\"hits\":\"0\",\"language\":\"*\",\"version\":null}',0),(131,28,1,'','2019-04-02 12:41:23',915,3266,'7a22d5702c25e146c5f0542eac423fa39659c46a','{\"id\":28,\"asset_id\":132,\"title\":\"Legislation\",\"alias\":\"legislation\",\"introtext\":\"<p><strong>PAIA Manual<\\/strong><\\/p>\\r\\n<p>\\u00a0The Promotion of Access to Information Act No.2 of 2000 (\\u201cPAIA\\u201d) gives effect to the right of access to information as provided for in section 32 of the Constitution, subject to justifiable limitations, including, but not limited to, limitations aimed at the reasonable protection of privacy, commercial confidentiality, and effective, efficient and good governance.<\\/p>\\r\\n<p><a href=\\\"documents\\/PAIA MANUAL.pdf\\\">Click here to download the PAIA Manual<\\/a><br \\/><br \\/> <a href=\\\"documents\\/PAIA REQUEST FORM.docx\\\">Click here to download Request Form<\\/a><\\/p>\\r\\n<!--<p><strong>February 2017<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Final Credit Life Insurance Regulations\\\" href=\\\"documents\\/Final Credit Life Insurance Regulations.pdf\\\" target=\\\"_blank\\\">Final Credit Life Insurance Regulations<\\/a><\\/li>\\r\\n<\\/ul>-->\\r\\n<p><strong>March 2016<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a title=\\\"Review of Limitations on Fees and Interest Rates Regulations\\\" href=\\\"documents\\/Review of Limitations on Fees and Interest Rates Regulations.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Review of Limitations on Fees and Interest Rates Regulations<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>July 2015<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li><a href=\\\"publications\\/Legislation\\/Draft-regulations-limitations-of-fees-and-interest-rates_20150625.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Draft Regulations: Limitation of Fees and Interest Rates<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 12:41:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-02 12:41:23\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-02 12:41:23\",\"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),(134,26,1,'','2019-04-02 13:08:19',915,12587,'be10df9ef1a5f23ceec68cd1d425d5daf88debbb','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><b>COMPLAINTS<\\/b><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ordinary\\u00a0complaints\\u00a0about Credit Providers\\u00a0and\\u00a0Bureaus<\\/strong><\\/p>\\r\\n<table style=\\\"height: 44px;\\\" width=\\\"626\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: complaints@ncr.org.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 087 234 7822<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<strong>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/strong><\\/p>\\r\\n<p><span style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/span><strong>Complaints\\/Commendations\\u00a0about\\u00a0poor\\/good\\u00a0service\\u00a0delivery\\u00a0by\\u00a0NCR\\u00a0personnel<\\/strong><\\/p>\\r\\n<table style=\\\"height: 23px;\\\" width=\\\"558\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:\\\">\\u00a0<\\/a><\\/span><\\/p>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h3>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h3 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h3>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-02 13:08:19\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-02 13:08:10\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"3\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(135,26,1,'','2019-04-02 13:10:35',915,12038,'6fc8bc8d5d0b22bc747160c6b50d51ef02d122a3','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><b>COMPLAINTS<\\/b><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ordinary\\u00a0complaints\\u00a0about Credit Providers\\u00a0and\\u00a0Bureaus<\\/strong><\\/p>\\r\\n<table style=\\\"height: 44px;\\\" width=\\\"626\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: complaints@ncr.org.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 087 234 7822<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<strong>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/strong><\\/p>\\r\\n<p><span style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/span><strong>Complaints\\/Commendations\\u00a0about\\u00a0poor\\/good\\u00a0service\\u00a0delivery\\u00a0by\\u00a0NCR\\u00a0personnel<\\/strong><\\/p>\\r\\n<table style=\\\"height: 23px;\\\" width=\\\"558\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:\\\">\\u00a0<\\/a><\\/span><\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h4>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-02 13:10:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-02 13:10:24\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"4\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(136,26,1,'','2019-04-02 13:11:29',915,12056,'5c243061ba707afc96c5b58dfc20816cf7d1b5f6','{\"id\":26,\"asset_id\":\"129\",\"title\":\"Useful contacts\",\"alias\":\"useful-contacts\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>WHO TO CONTACT WHEN YOU NEED ASSISTANCE OR ADVISE FOR PROBLEMS RELATED TO:<\\/strong><\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><b>COMPLAINTS<\\/b><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ordinary\\u00a0complaints\\u00a0about Credit Providers\\u00a0and\\u00a0Bureaus<\\/strong><\\/p>\\r\\n<table style=\\\"height: 44px;\\\" width=\\\"626\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: complaints@ncr.org.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 087 234 7822<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<strong>For 3rd parties complaints on behalf of the consumers, please \\u00a0<a href=\\\"documents\\/written consent regulation.docx\\\">click here<\\/a><\\/strong><\\/p>\\r\\n<p><span style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/span><strong>Complaints\\/Commendations\\u00a0about\\u00a0poor\\/good\\u00a0service\\u00a0delivery\\u00a0by\\u00a0NCR\\u00a0personnel<\\/strong><\\/p>\\r\\n<table style=\\\"height: 23px;\\\" width=\\\"558\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><span style=\\\"line-height: 15.8079996109009px;\\\"><a href=\\\"mailto:\\\">\\u00a0<\\/a><\\/span><\\/p>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT RELATED MATTERS AND DEBT COUNSELLING\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Credit Regulator<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 554 2600 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 805 4905<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ncr.org.za\\\">info@ncr.org.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td><span style=\\\"line-height: 1.3em;\\\">: PO Box 209, Halfway House, 1685<\\/span>\\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0 \\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">To\\u00a0request a workshop please forward an email with details to\\u00a0<a href=\\\"mailto:workshops@ncr.org.za\\\">workshops@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CONSUMER PRODUCTS AND SERVICES<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The National Consumer Commission<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 086 026 6786<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 086 151 5229<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:NNetshitomboni@thencc.co.za\\\">NNetshitomboni@thencc.co.za<\\/a><span style=\\\"line-height: 1.3em;\\\">\\u00a0<\\/span><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag x84, Pretoria\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:<strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.nccsa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.nccsa.org.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>BANKING -\\u00a0The Ombudsman for Banking Services<\\/strong><\\/h4>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 080 0900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 838 0035\\/38\\/39\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 838 0043\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@obssa.co.za\\\">info@obssa.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 6728, JOHANNESBURG, 2000\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.obssa.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.obssa.co.za<\\/a>\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>CREDIT BUREAU AND NON-BANK FINANCIAL SERVICES<\\/strong>\\u00a0<\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Credit Information Ombud\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Call centre<\\/td>\\r\\n<td>: 086 166 2837\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 781 6431<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:ombud@creditombud.org.za\\\">ombud@creditombud.org.za<\\/a>\\u00a0 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Postnet Suite 444, Private Bag 1, JUKSKEI PARK, 2153\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.creditombud.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.creditombud.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>FINANCIAL ADVICE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Office of the Ombud for Financial Services Providers\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 032 4766<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 470 9080 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 348 3447<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@faisombud.co.za\\\">info@faisombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 74571, Lynwoodridge, 0040<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.faisombud.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.faisombud.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>INVESTMENTS<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Financial Services Board\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Toll-free<\\/td>\\r\\n<td>080 011 0443 \\/ 080 020 2087<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>012 428 8000<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>012 347 0211<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>info@fsb.co.za<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>PO Box 35655, Menlo Park, 0102<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td><strong style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/strong><a href=\\\"http:\\/\\/www.fsb.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.fsb.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>LIFE ASSURANCE\\u00a0<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>Ombudsman for Long-term Insurance.<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>086 066 2837<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>021 657 5000 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>021 674 0951 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td><a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@ombud.co.za\\\">info@ombud.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>Private Bag X45, Claremont, 7735<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>MEDICAL SCHEME<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Council for Medical Schemes\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 112 3267<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 012 431 0500 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 012 431 0560 \\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:support@medicalschemes.com\\\">support@medicalschemes.com<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: Private Bag X34, Hatfield, 0028<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>PENSION FUND<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Pension Funds Adjudicator\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 884 8454<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 884 1144\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>: enquiries-jhb@<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 651826, Benmore, 2010<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.pfa.org.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.pfa.org.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<h4 style=\\\"line-height: 15.8079996109009px;\\\"><strong>SHORT-TERM INSURANCE<\\/strong><\\/h4>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\"><strong>The Ombudsman for Short-term Insurance\\u00a0<\\/strong><\\/p>\\r\\n<table style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td>Sharecall<\\/td>\\r\\n<td>: 086 072 6890<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Telephone<\\/td>\\r\\n<td>: 011 726 8900\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Fax<\\/td>\\r\\n<td>: 011 726 5501<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Email<\\/td>\\r\\n<td>:\\u00a0<a style=\\\"line-height: 1.3em;\\\" href=\\\"mailto:info@osti.co.za\\\">info@osti.co.za<\\/a>\\u00a0\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Post<\\/td>\\r\\n<td>: PO Box 32334, Braamfontein, 2017\\u00a0<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td>Website<\\/td>\\r\\n<td>:\\u00a0<a href=\\\"http:\\/\\/www.osti.co.za\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">www.osti.co.za<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"18\",\"created\":\"2019-04-02 11:57:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-02 13:11:29\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-02 13:11:14\",\"publish_up\":\"2019-04-02 11:57:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":4,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(137,31,1,'','2019-04-02 13:32:48',915,20221,'25ffd370cacffe760dbbce2ffa852e1d18fac5a2','{\"id\":31,\"asset_id\":135,\"title\":\"Circulars\",\"alias\":\"circulars\",\"introtext\":\"<p>\\u00a0<\\/p>\\r\\n<!--<p style=\\\"font-weight: bold;\\\">December 2016<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/1388AD NCR CIRCULAR 25 OF 2016.pdf\\\">Circular No. 25\\/December 2016 - The cost of credit for short-term loans as a result of the MFSA High Court decision<\\/a><\\/p>-->\\r\\n<p style=\\\"font-weight: bold;\\\">Frebruary 2019<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR Circular 12 - February 2019.pdf\\\">Circular 12 of 2019 - Re-seller Credit Bureau Circular on Additional Form 43 Requirements<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">November 2018<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR CIRCULAR 11 OF 2018.pdf\\\">Circular 11 of 2018 - Fraud or Unethical Behaviour<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">October 2018<\\/p>\\r\\n<p><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><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2018<\\/p>\\r\\n<p><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><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">August 2018<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/NCR Circular 04 of August 2018.pdf\\\">Circular 04 of August 2018 - Suspension Indicator on Debt Help System<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">April 2018<\\/p>\\r\\n<p><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><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">February 2018<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Circular New Debt Counsellor Fees 1.pdf\\\">Circular no 01 of 2018 -new debt counsellor fees<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">September 2017<\\/p>\\r\\n<p><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><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">August 2017<\\/p>\\r\\n<p><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><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">August 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/DHS Automated transfers circular .pdf\\\">Circular 11 of 2017 - dhs new functionalities<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">August 2017<\\/p>\\r\\n<p><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><\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/Updated Lapsed Report.xlsx\\\">Updated Lapsed Report<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">April 2017<\\/p>\\r\\n<p><a href=\\\"documents\\/Circulars\\/CIRCULAR 8  CONTACT DETAILS.pdf\\\">Circular 8 of 2017 \\u2013 NCR contact details<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: bold;\\\">March 2017<\\/p>\\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>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-04-02 13:32:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-02 13:32:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-02 13:32:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(140,32,1,'','2019-04-02 14:17:22',915,2694,'ff894a04ed789053bb8da8c293bbdd40f9afc0ca','{\"id\":32,\"asset_id\":136,\"title\":\"Background Documents on the NCA\",\"alias\":\"background-documents-on-the-nca\",\"introtext\":\"<h4>Credit law review: setting the scene<\\/h4>\\r\\n<p><img src=\\\"images\\/NCA_document_1.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/background_documents\\/Introduction-RevNo1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view the Credit law review: setting the scene<\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<h4>Credit Law Review | August 2003<\\/h4>\\r\\n<p><img src=\\\"images\\/NCA_document_2.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/background_documents\\/Summary of Findings.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Click here to view the Credit Law Review<\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<h4>Making Credit Markets Work | A Policy Framework for Consumer Credit<\\/h4>\\r\\n<p><img src=\\\"images\\/NCA_document_3.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/background_documents\\/Credit Law Review.pdf\\\">Click here to view the Making Credit Markets Work<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"19\",\"created\":\"2019-04-02 14:17:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-02 14:17:22\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-02 14:17:22\",\"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),(142,34,1,'','2019-04-03 12:40:48',915,1757,'6a8e030871db105588f8f45b366c3899ecdc02ed','{\"id\":34,\"asset_id\":138,\"title\":\"Public Notices\",\"alias\":\"public-notices\",\"introtext\":\"\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-03 12:40:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-03 12:40:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-03 12:40:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(143,34,1,'','2019-04-03 12:43:42',915,5571,'60522cfcf27edc250005262d1054f225804f6024','{\"id\":34,\"asset_id\":\"138\",\"title\":\"Public Notices\",\"alias\":\"public-notices\",\"introtext\":\"<p><strong>2015<\\/strong><\\/p>\\r\\n<p><a href=\\\"images\\/Public Notices\\/Debt Counselling Explained Advert.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Debt Counselling Explained<\\/a><\\/p>\\r\\n<p><a href=\\\"images\\/Public%20Notices\\/Debt Counselling Explained Advert.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><strong><img src=\\\"images\\/Public Notices\\/ts01.jpg\\\" alt=\\\"\\\" width=\\\"142\\\" height=\\\"175\\\" \\/><\\/strong><\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong>2014<\\/strong><\\/p>\\r\\n<p><a href=\\\"images\\/Public%20Notices\\/NCR SWBW_DAILY SUN_210MMX185MM_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Spend wisely borrow wisely<\\/a><\\/p>\\r\\n<table style=\\\"height: 406px;\\\" width=\\\"352\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"images\\/Public%20Notices\\/NCR SWBW_DAILY SUN_210MMX185MM_1.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/Public Notices\\/always_make_sure.jpg\\\" alt=\\\"\\\" width=\\\"157\\\" height=\\\"192\\\" \\/><\\/a><\\/td>\\r\\n<td><a href=\\\"images\\/Public%20Notices\\/NCR SWBW_DAILY SUN_210MMX185MM_2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/Public Notices\\/dont-be-tempted.jpg\\\" alt=\\\"\\\" width=\\\"157\\\" height=\\\"192\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"images\\/Public%20Notices\\/NCR SWBW_DAILY SUN_210MMX185MM_3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/Public Notices\\/ids.jpg\\\" alt=\\\"\\\" width=\\\"157\\\" height=\\\"192\\\" \\/><\\/a><\\/td>\\r\\n<td><a href=\\\"images\\/Public%20Notices\\/NCR SWBW_DAILY SUN_210MMX185MM_4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/Public Notices\\/legally-allowed.jpg\\\" alt=\\\"\\\" width=\\\"157\\\" height=\\\"192\\\" \\/><\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\\r\\n<hr \\/>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong>2012<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Advertorial NCR A4(Press).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">THE NCR CALLS FOR CAUTION IN THE GRANTING OF UNSECURED CREDIT<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Advertorial%20NCR A4(Press).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/consumer_market_report\\/Media.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>2011<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Advertorial NCR A4(Press).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Exchange of money<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Advertorial%20NCR A4(Press).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/consumer_market_report\\/adverts.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>2010<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Billboard Web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Make the right choices<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Billboard%20Web.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/consumer_market_report\\/billboardweb.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>2009<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/09260_Ad_Spend Wisely_09_30x22.5_low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Tighten your belt<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/09260_Ad_Spend%20Wisely_09_30x22.5_low.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/consumer_market_report\\/belt.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>2008<\\/strong><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Spend Wisely Ad.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">A message from the National Credit Regulator<\\/a><\\/p>\\r\\n<p><a href=\\\"documents\\/pages\\/articles\\/Spend%20Wisely Ad.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img src=\\\"images\\/consumer_market_report\\/message.jpg\\\" alt=\\\"\\\" \\/><\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"20\",\"created\":\"2019-04-03 12:40:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-03 12:43:42\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2019-04-03 12:43:11\",\"publish_up\":\"2019-04-03 12:40:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(144,35,1,'','2019-04-03 13:17:08',915,3697,'aa3e19220dce080c0f9a89ff5de4f6a0de492c51','{\"id\":35,\"asset_id\":140,\"title\":\"Challenge Credit Record\",\"alias\":\"challenge-credit-record\",\"introtext\":\"<p>When a <strong>consumer<\\/strong> requests a <strong>credit<\\/strong> report, the said report must disclose \\u00a0identical information to that which will be displayed should such a \\u00a0report be provided to a third party.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<p><strong>If the accuracy of the consumer credit information is challenged by a consumer,\\u00a0<\\/strong><\\/p>\\r\\n<p><strong>the following steps should be taken:<\\/strong><\\/p>\\r\\n<ol>\\r\\n<li>The consumer must contact the credit bureau concerned to raise an objection or lodge a complaint (either TransUnion ITC or Experian);<\\/li>\\r\\n<li>The bureau has 20 business days in which to resolve the issue;<\\/li>\\r\\n<li>If the bureau is unable to resolve the issue, the consumer should refer the matter to the <a href=\\\"http:\\/\\/www.creditombud.org.za\\/\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Information Ombudsman (CIO)<\\/a>;<\\/li>\\r\\n<li>Should the CIO be unable to find a resolution, the NCR will intervene on the request of the CIO.<\\/li>\\r\\n<\\/ol>\\r\\n<p>Note that the <strong>National Credit<\\/strong> \\u00a0Regulator will not be able to deal with the complaint until the complainant has first contacted the credit bureau.<\\/p>\\r\\n<p><strong>Call center numbers of the credit bureau<\\/strong><\\/p>\\r\\n<table class=\\\"table table-bordered table-striped\\\" style=\\\"line-height: 15.8079996109009px; height: 65px;\\\" width=\\\"576\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<th style=\\\"text-align: left;\\\" colspan=\\\"2\\\">TransUnion ITC<\\/th>\\r\\n<th style=\\\"text-align: left;\\\" colspan=\\\"2\\\">Experian<\\/th>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>Consumer<\\/strong><\\/td>\\r\\n<td>0861 482 482\\u00a0<\\/td>\\r\\n<td><strong>Consumer<\\/strong><\\/td>\\r\\n<td>0861 105 665<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><strong>Credit Provider<\\/strong><\\/td>\\r\\n<td>0861 482 482<\\/td>\\r\\n<td><strong>Credit Provider<\\/strong><\\/td>\\r\\n<td>0861 636 070<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-03 13:17:08\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2019-04-03 13:17:08\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2019-04-03 13:17:08\",\"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\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),