(364,63,1,'','2020-07-14 10:12:02',915,9615,'84a4c0b0614aae69de80b72266dfacebcd80262d','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<p><strong>Mandate of the debt counselling department<\\/strong><\\/p>\\r\\n<p>The mandate of the Debt Counselling Department is to monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act as amended (NCA) and their conditions of registration.<\\/p>\\r\\n<p><strong>What is debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure which is provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the over-indebtedness and how consumers can be assisted, an assessment of the consumer\\u2019s financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and restructuring of the debts will commence guided by the available income from the assessment of the consumer\\u2019s financial position.<\\/li>\\r\\n<li>Finally, the restructuring of the debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) who is registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice and can be requested for inspection by the consumer if not displayed.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process, disclose the applicable fees in writing and consequences of being under debt counselling to the consumer in detail to ensure that the consumer makes an informed decision.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>The debt counselling process<\\/strong><\\/p>\\r\\n<p><strong>Application Process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer with the assistance of a DC, will voluntarily apply for debt counselling by completing an application named Form 16 and submitting relevant documentation;<\\/li>\\r\\n<li>A DC will inform applicable credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer;<\\/li>\\r\\n<li>The applicable credit providers will send the DC the latest financial information on that particular credit agreement in a form of what is referred to as a Certificate of Balance(COB) within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt on a COB conduct an assessment to determine if the consumer is over-indebted and arrive at the disposable income (amount available) to repay debt within thirty 30 business days of application;<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer not found to be over-indebted) or accept (if consumer found to be over-indebted) and communicate the outcomes with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If your application is accepted, the DC will work out reduced payments for you based on the disposable income and make a proposal to your creditor providers;<\\/li>\\r\\n<li>If all credit providers accept the proposal for reduced payments, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more creditor providers decline the proposal for reduced payments, the DC will refer the matter to the Magistrate Court for a decision;<\\/li>\\r\\n<li>If the Magistrate Court grants the court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in alignment with terms of the court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. Debt counselling does not offer any payment holiday; however, the DC will advise on how interim payments can be made;<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit providers; or<\\/li>\\r\\n<li>Make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>When all debts have been paid up and a DC has verified that, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Applicable debt counselling fees<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>The debt counselling service is not offered for free and there are fees applicable. Please click on this link to view the applicable <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">fees<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Important to note on the debt counselling process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>In terms of the NCA, the debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from application. Within this period, the consumer is protected against legal action (e.g. letter of demand, summons, repossession of assets, default judgment and others) from the credit providers.<\\/li>\\r\\n<li>There are prescribed forms that must be used by the debt counsellor to facilitate the debt counselling process. These forms must always be signed and dated by the relevant parties.<\\/li>\\r\\n<li>When a consumer applies for debt counselling, a debt counselling flag is placed on the consumer\\u2019s credit profile at the credit bureaus. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>Reduced payments to credit providers must be made regularly by the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider can terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<li>Once all debts have been paid up, a consumer will be issued a clearance certificate by the DC. The credit bureaus will remove the debt counselling indicator on the consumer\\u2019s credit bureau profile and records of accounts which were under debt counselling.<\\/li>\\r\\n<li>There are applicable\\u00a0fees when you apply for debt counselling. <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">Click here to view the fees<\\/a>.<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 10:12:02\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 10:11:17\",\"publish_up\":\"2019-06-06 09:53:22\",\"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\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"102\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(366,8,1,'','2020-07-14 10:22:15',915,2832,'4b5ca7a8ca44fdb0d1c55f8e8086cd4fe60e84dc','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p>The Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act and taking the necessary enforcement action where necessary. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, issuing 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 such as identity documents, bank cards, SASSA cards and bank pins.<\\/p>\\r\\n<h3>Notable Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,Cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 10:22:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 10:19:55\",\"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\":38,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"282\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(367,8,1,'','2020-07-14 10:23:10',915,2918,'06f6e2170fa50278d4164bc2b5c6c30989e24298','{\"id\":8,\"asset_id\":\"92\",\"title\":\"Investigations and Enforcement\",\"alias\":\"investigations-and-enforcement\",\"introtext\":\"<p><strong>Mandate of the Investigations and Enforcement Department<\\/strong><\\/p>\\r\\n<p>The Investigations and Enforcement Department is responsible for investigating non-compliance with the National Credit Act and taking the necessary enforcement action where necessary. The Department consist of inspectors who conduct research, audits and investigations and Legal Advisors who assess and enforce investigation findings by referring matters to the National Consumer Tribunal, issuing 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 such as identity documents, bank cards, SASSA cards and bank pins.<\\/p>\\r\\n<h3>Notable Cases<\\/h3>\\r\\n<p>\\u00a0{loadmodule mod_easyaccordioncontent,Cases}<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"11\",\"created\":\"2019-03-14 15:18:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 10:23:10\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 10:22:15\",\"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\":39,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"283\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(374,7,1,'','2020-07-14 16:04:35',915,5420,'1fa8c50989795e9b9475d5cb72a07c8e2e96ba4c','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Compliance\",\"alias\":\"compliance\",\"introtext\":\"<p><strong>Mandate of the Credit Provider Compliance Department<\\/strong><\\/p>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h3>Relevant Sections<\\/h3>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section15.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h3>Compliance Report (Credit Provider)<\\/h3>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 16:04:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 16:04:03\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":9,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"103\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(375,7,1,'','2020-07-14 16:04:55',915,5437,'4d7b646d3836dfcb3729a148d8fbf70c1206242c','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<p><strong>Mandate of the Credit Provider Compliance Department<\\/strong><\\/p>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h3>Relevant Sections<\\/h3>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section15.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h3>Compliance Report (Credit Provider)<\\/h3>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 16:04:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 16:04:35\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":10,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"104\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(376,7,1,'','2020-07-14 16:06:04',915,5946,'0e1eaf789fb201ad3cab624986a1952e4538deea','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<p><strong>Mandate of the Credit Provider Compliance Department<\\/strong><\\/p>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h3>Relevant Sections<\\/h3>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section15.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h3>Compliance Report (Credit Provider)<\\/h3>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 16:06:04\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 16:04:55\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":11,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"105\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(377,7,1,'','2020-07-14 16:07:49',915,5946,'51e975f8a930faccad63563f5a3c0a768e31c1ac','{\"id\":7,\"asset_id\":\"90\",\"title\":\"Credit Provider Compliance\",\"alias\":\"compliance\",\"introtext\":\"<p><strong>Mandate of the Credit Provider Compliance Department<\\/strong><\\/p>\\r\\n<p>The Compliance Department is responsible to monitor credit providers and the credit industry to detect and prevent non-compliance with the National Credit Act.<\\/p>\\r\\n<p>The compliance monitoring is conducted through the following measures:<\\/p>\\r\\n<ol>\\r\\n<li>Desktop monitoring;<\\/li>\\r\\n<li>Onsite monitoring;<\\/li>\\r\\n<li>Submission of statutory reports;<\\/li>\\r\\n<li>Monitoring of Conditions of registration;<\\/li>\\r\\n<li>Market Conduct Studies;<\\/li>\\r\\n<li>Compliance workshops.<\\/li>\\r\\n<\\/ol>\\r\\n<p>The Compliance Department is a division of the National Credit Regulator (NCR) and is responsible for ensuring that the registered credit providers comply with the National Credit Act no. 34 of 2005 (the Act). Section 15 of the Act states that the NCR may monitor the consumer credit market and industry to ensure that prohibited conduct is prevented or detected and prosecuted. The mandate of the department is to monitor compliance by the registrants specifically credit providers and assisting them to comply.<\\/p>\\r\\n<h4>Relevant Sections<\\/h4>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section63.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Language Policy<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/compliance&amp;reports\\/relevant_sections\\/section15.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Market Conduct<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/registration&amp;compliance\\/Compliance_report62-68.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Credit Provider Compliance Reports<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Regulations 62.pdf\\\" target=\\\"_blank\\\" rel=\\\"Statutory Reporting noopener noreferrer\\\">Statutory Reporting<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<h4>Compliance Report (Credit Provider)<\\/h4>\\r\\n<ol>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Statistical Returns (Form 39)<\\/a><\\/li>\\r\\n<li>Compliance Report<br \\/>\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.pdf)<\\/a>\\u00a0<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/COMPLIANCE REPORT.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Compliance Report (.doc)<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Annual_Financial_Statements.pdf\\\">Annual Financial Statements<\\/a><\\/li>\\r\\n<li>Annual Financial and Operational Return\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form 40.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annual Financial and Operational Return (.pdf)<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Form%2040.xls\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><span style=\\\"line-height: 15.8079996109009px;\\\">A<\\/span><span style=\\\"line-height: 15.8079996109009px;\\\">nnual Financial and Operational Return (.xls)<\\/span><\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Audited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/assurance\\/Assurance Engagement Illustrative Report as per guide Sep 2007.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Illustrative Report<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>Assurance Engagement Reports Unaudited\\r\\n<ul>\\r\\n<li><a href=\\\"documents\\/pages\\/compliance&amp;reports_cp\\/Assurance Engagement Reports - Unaudited\\/ASSURANCE ENGAGEMENT REPORT FOR UNAUDITED CREDIT PROVIDERS.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Assurance Engagement Reports - Unaudited<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">First year review<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/pages\\/Guidelines LPP.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Second year review<\\/a><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"10\",\"created\":\"2019-03-14 15:14:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 16:07:49\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 16:06:04\",\"publish_up\":\"2019-03-14 15:14:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":12,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"106\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(378,64,1,'','2020-07-14 16:10:13',915,3305,'9107f04b22106e598e7f647b68240de7d1056b8c','{\"id\":64,\"asset_id\":\"189\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<p><strong>Mandate Statistics and Research and Department<\\/strong><\\/p>\\r\\n<p>Statistics and Research Department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrant such as Credit Providers, Credit Bureaus, Debt Counsellors and Credit Life Insurers. Our flagship reports, emanating from the data, are the Consumer Credit Market Report (CCMR) and Credit Bureau Monitor (CBM). These reports are produced on a quarterly basis. The reports are used and quoted extensively by a variety of stakeholders, including media, government, credit providers, industry analysts, investors, researchers and other decision makers.<\\/p>\\r\\n<p>The Department is also responsible for conducting research in line with Sections 13 and 16 of the National Credit Act (NCA). The research requirements also take into account the prevailing trends and market conditions. The department may undertake research in line with requirements of the NCR executive committee or relevant minister.<\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/credit-bureau-monitor-cbm\\\">Please click here to view the Credit Bureau Monitor (CBM)<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/consumer-credit-market-report-ccmr\\\">Please click here to view the Consumer Credit Market Report (CCMR)<\\/a><\\/p>\\r\\n<p><a href=\\\"..\\/documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\">Please click here to view the Statistical Returns (Form 39)<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 16:10:13\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 16:09:51\",\"publish_up\":\"2019-06-10 14:32:35\",\"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\":\"57\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(379,64,1,'','2020-07-14 16:11:03',915,3185,'a0639548a3394c6fbc672541c3d0fe0b39c7bab8','{\"id\":64,\"asset_id\":\"189\",\"title\":\"Statistics and Research \",\"alias\":\"statistics-and-research\",\"introtext\":\"<p><strong>Mandate Statistics and Research and Department<\\/strong><\\/p>\\r\\n<p>Statistics and Research department is responsible for the collation, production and publication of statistical data. The data is collected in a prescribed format from registrants such as credit providers, credit bureaus, debt counsellors. Our flagship reports emanating from the data are the Consumer Credit Market Report (CCMR) which represents the analysis of quarterly data of the South African consumer credit market in terms of the National Credit Act (NCA) and Credit Bureau Monitor (CBM) and is based on data held by registered credit bureaus in terms of the NCA.<\\/p>\\r\\n<p>The department is also responsible for conducting research taking into account the prevailing trends and market conditions in line with Sections 13 and 16 of the NCA and may undertake research in line with requirements of the NCR executive committee or relevant minister.<\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/credit-bureau-monitor-cbm\\\">Please click here to view the Credit Bureau Monitor (CBM)<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php\\/publications\\/consumer-credit-market-report-ccmr\\\">Please click here to view the Consumer Credit Market Report (CCMR)<\\/a><\\/p>\\r\\n<p><a href=\\\"..\\/documents\\/pages\\/compliance&amp;reports_cp\\/Copy%20of Form 39 .xls\\\">Please click here to view the Statistical Returns (Form 39)<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"32\",\"created\":\"2019-06-10 14:32:35\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 16:11:03\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 16:10:13\",\"publish_up\":\"2019-06-10 14:32:35\",\"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\":\"58\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(380,63,1,'','2020-07-14 16:39:38',915,9617,'4a221d448cc975f17722bddc0d810128b769c719','{\"id\":63,\"asset_id\":\"186\",\"title\":\"Debt Counselling\",\"alias\":\"debt-counselling\",\"introtext\":\"<p><strong>Mandate of the debt counselling department<\\/strong><\\/p>\\r\\n<p>The mandate of the Debt Counselling Department is to monitor compliance of Debt Counsellors, Credit Providers\\u2019 debt counselling departments and Payment Distribution Agents (PDAs) with the provisions of the National Credit Act as amended (NCA) and their conditions of registration.<\\/p>\\r\\n<p><strong>What is debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt Counselling which is also referred to as debt review, is a debt relief measure which is provided for in the NCA, to assist over-indebted consumers struggling to pay their debts on a monthly basis.<\\/li>\\r\\n<li>To determine the over-indebtedness and how consumers can be assisted, an assessment of the consumer\\u2019s financial position is conducted by comparing the income of the consumer against the basic expenses and debt obligations of the consumer.<\\/li>\\r\\n<li>If the consumer is found to be over-indebted, negotiations with credit providers for reduced payments and restructuring of the debts will commence guided by the available income from the assessment of the consumer\\u2019s financial position.<\\/li>\\r\\n<li>Finally, the restructuring of the debts must be confirmed by the Magistrate Court or the National Consumer Tribunal(NCT) through a court order or consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Who conducts debt counselling? <\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is conducted by a Debt Counsellor (DC) who is registered with the NCR. Upon registration, the DC is provided with a registration certificate which he\\/she should display at his\\/her place of practice and can be requested for inspection by the consumer if not displayed.<\\/li>\\r\\n<li>The DC has an obligation to explain the debt counselling process, disclose the applicable fees in writing and consequences of being under debt counselling to the consumer in detail to ensure that the consumer makes an informed decision.<\\/li>\\r\\n<\\/ul>\\r\\n<h4><strong>The debt counselling process<\\/strong><\\/h4>\\r\\n<p><strong>Application Process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer with the assistance of a DC, will voluntarily apply for debt counselling by completing an application named Form 16 and submitting relevant documentation;<\\/li>\\r\\n<li>A DC will inform applicable credit providers and credit bureaus of the debt counselling application by issuing a Form 17.1 within five (5) business days of accepting the application from a consumer;<\\/li>\\r\\n<li>The applicable credit providers will send the DC the latest financial information on that particular credit agreement in a form of what is referred to as a Certificate of Balance(COB) within five (5) business days of receiving the notification for debt counselling application (Form 17.1).<\\/li>\\r\\n<li>A credit bureau will place a debt counselling flag on the consumer\\u2019s credit profile. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Assessment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A DC will upon receipt on a COB conduct an assessment to determine if the consumer is over-indebted and arrive at the disposable income (amount available) to repay debt within thirty 30 business days of application;<\\/li>\\r\\n<li>After the assessment, the DC will either reject the application (if consumer not found to be over-indebted) or accept (if consumer found to be over-indebted) and communicate the outcomes with the consumer, credit providers and credit bureaus by means of a Form 17.2.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Negotiation process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>If your application is accepted, the DC will work out reduced payments for you based on the disposable income and make a proposal to your creditor providers;<\\/li>\\r\\n<li>If all credit providers accept the proposal for reduced payments, the DC will refer the matter to the NCT for a consent order;<\\/li>\\r\\n<li>If one or more creditor providers decline the proposal for reduced payments, the DC will refer the matter to the Magistrate Court for a decision;<\\/li>\\r\\n<li>If the Magistrate Court grants the court order, the DC will send the court order to the consumer and all applicable credit providers.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Restructuring process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Upon receipt of the consent order from the NCT or the court order from the Magistrate Court, the credit provider will restructure the credit agreements in alignment with terms of the court\\/consent order.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Payment process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>A consumer has a responsibility to make payments as advised by the DC from the initiation of the debt counselling process. Debt counselling does not offer any payment holiday; however, the DC will advise on how interim payments can be made;<\\/li>\\r\\n<li>A consumer who is under debt counselling can make payments directly to his\\/her credit providers; or<\\/li>\\r\\n<li>Make use of a Payment Distribution Agent(PDA) registered with the NCR to make payments.<\\/li>\\r\\n<li>A PDA is an entity registered by the NCR to collect and distribute debt counselling payments to credit providers on behalf of the consumer under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Clearance certificate process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>When all debts have been paid up and a DC has verified that, a DC will issue a clearance certificate and inform the credit bureaus to remove the debt counselling flag and expunge all information relating to consumer\\u2019s debts which were under debt counselling.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Applicable debt counselling fees<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>The debt counselling service is not offered for free and there are fees applicable. Please click on this link to view the applicable <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">fees<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Important to note on the debt counselling process<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>In terms of the NCA, the debt counselling process (i.e. the application, the negotiation process and the referral process to the Magistrates Court or the NCT) has to be completed within a period of 60 business days from application. Within this period, the consumer is protected against legal action (e.g. letter of demand, summons, repossession of assets, default judgment and others) from the credit providers.<\\/li>\\r\\n<li>There are prescribed forms that must be used by the debt counsellor to facilitate the debt counselling process. These forms must always be signed and dated by the relevant parties.<\\/li>\\r\\n<li>When a consumer applies for debt counselling, a debt counselling flag is placed on the consumer\\u2019s credit profile at the credit bureaus. This flag is not a negative listing or \\u201cBlacklisting\\u201d as mostly referred to, it is just an indicator that the consumer is under debt counselling.<\\/li>\\r\\n<li>A consumer who is under debt counselling cannot apply for further credit.<\\/li>\\r\\n<li>Reduced payments to credit providers must be made regularly by the consumer under debt counselling.<\\/li>\\r\\n<li>If a consumer defaults on payment whilst under debt counselling, the credit provider can terminate the debt counselling application and enforce legal steps against the consumer.<\\/li>\\r\\n<li>Once all debts have been paid up, a consumer will be issued a clearance certificate by the DC. The credit bureaus will remove the debt counselling indicator on the consumer\\u2019s credit bureau profile and records of accounts which were under debt counselling.<\\/li>\\r\\n<li>There are applicable\\u00a0fees when you apply for debt counselling. <a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">Click here to view the fees<\\/a>.<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"31\",\"created\":\"2019-06-06 09:53:22\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-14 16:39:38\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-14 16:39:01\",\"publish_up\":\"2019-06-06 09:53:22\",\"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\":9,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"107\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(388,29,1,'','2020-07-16 09:03:42',915,3950,'48b0e455a6bd8097785de527fb964e6ceea50d78','{\"id\":29,\"asset_id\":\"133\",\"title\":\"Guidelines\",\"alias\":\"guidelines\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td><a href=\\\"..\\/documents\\/NCR Guidelines 1-2020 (justified).pdf\\\">Guidelines for change in circumstance (17.3)<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"..\\/documents\\/Guidelines-for-joint-bonds-mortgage-agreements.pdf\\\">Guidelines for joint bonds\\/mortgage agreements<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"..\\/documents\\/Pension-backed-lending-guidelines.pdf\\\">Pension backed lending guidelines<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/FEE_GUIDELINE.pdf\\\">Fee guideline and schedules pursuant to the guideline in terms of regulation 19(13) of the national credi<\\/a>t<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Proposed guidelines to ascertain consumers gross and discretionary incomes.pdf\\\">Proposed guidelines for ascertaining consumer\'s gross and discretionary incomes - for public comment<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Circulars\\/debt counselling fee structure guideline.pdf\\\">The debt counselling fee guidelines 2018<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/NCR_Guidelines in Terms of Reg 19(13).pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 003\\/2017<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1641AD NCR_Guidelines in Terms o Reg 19(13) 08.pdf\\\">Guideline for the submission of credit information in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended - 002\\/2017 <\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/1567AD NCR_Guidelines Regarding Debt Collection 02.pdf\\\">Guideline for credit providers and credit bureaux in respect of debt that is on-sold<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td><a href=\\\"documents\\/Fee Guideline 12 Jan 2018.pdf\\\">To the guideline in terms of regulation 19(13) of the national credit act, 34 of 2005, as amended<\\/a><\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"33\",\"created\":\"2019-04-02 12:48:20\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-16 09:03:42\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-07-16 09:02:30\",\"publish_up\":\"2019-04-02 12:48:20\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"62\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(390,79,1,'','2020-07-16 09:49:48',915,5592,'e3bff20a787408fe79a109486f8f38953a2120af','{\"id\":79,\"asset_id\":217,\"title\":\"Be careful of \\u201cfake\\u201d credit provider scams during the covid-19 pandemic\",\"alias\":\"be-careful-of-fake-credit-provider-scams-during-the-covid-19-pandemic\",\"introtext\":\"<p style=\\\"font-weight: 400; text-align: right;\\\"><b><strong>April 2020<\\/strong><\\/b><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">The National Credit Regulator (NCR) is warning consumers to be careful of scammers who act as legitimate credit providers preying on vulnerable consumers during this period of COVID-19 pandemic. The impact of this pandemic has unfortunately left many consumers desperate for money and some having to resort to borrowing. On the other hand, criminals have seen the opportunity to exploit the desperate and vulnerable by posing as legitimate registered credit providers and offering loans with a condition of an \\u201cupfront payment\\u201d, says Nomsa Motshegare, CEO of the NCR.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u201cThe NCR has during this period, been receiving queries from consumers about unregistered companies posing as registered credit providers offering them loans via SMS and email\\u201d, says Motshegare. These scammers use the registration details of lawfully registered credit providers, inform consumers that the loan is approved and before the loan is paid out, they demand an \\u201cupfront payment\\u201d from the consumers. Once consumers pay this upfront payment, the scammers will disappear with no trace and no loan will be paid out to the consumer.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">According to the National Credit Act (NCA), an \\u201cupfront payment\\u201d for a loan is unlawful and not allowed, consumers are warned not to fall for this scam and never pay any upfront fee for a loan. Those who have fallen victim to this scam and have paid upfront fees should open criminal cases at their nearest South African Police Service (SAPS), advises Motshegare.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">Everyone giving out credit, must be registered with the NCR and apply the rules in the NCA. All registered credit providers\\u2019 details are listed on the NCR\\u2019s website (<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>) and consumers are encouraged to check before doing business with anyone offering credit, concludes Motshegare.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>Ends<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\"><strong>For more information contact:<\\/strong>\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Media Office:\\u00a0<a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a>\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Or\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Ntombizodwa Mahlangu<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Cell: 064\\u00a0752 3926<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">E-mail:\\u00a0<a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-07-16 09:49:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-16 09:49:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-07-16 09:49:48\",\"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),(391,80,1,'','2020-07-16 09:51:18',915,5338,'225c1b48790f8695455dbf83b71d94040528fa0d','{\"id\":80,\"asset_id\":218,\"title\":\"Consumers advised to use their credit life insurance for relief\",\"alias\":\"consumers-advised-to-use-their-credit-life-insurance-for-relief\",\"introtext\":\"<p style=\\\"font-weight: 400; text-align: right;\\\"><b><strong>April 2020<\\/strong><\\/b><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">As South Africa is battling with the impact of COVID-19 on the economy, many consumers have been left with the inability to earn an income. Some are unemployed whilst others are receiving less income due to reduced working hours. Some credit providers have pronounced interim debt relief measures for consumers who have been hard hit by this pandemic. The National Credit Regulator (NCR) advises consumers that where applicable, they first consider the option of using their credit life insurance benefit as a relief in this difficult period,\\u00a0says Nomsa Motshegare, Chief Executive Officer of the NCR.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">A credit life insurance is an insurance that a consumer signs up for when applying for credit or a loan and it covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others. Motshegare advises that, in the event of the consumer becoming unemployed or unable to earn an income, the credit life insurance cover provides that credit providers must settle\\/pay the consumer\\u2019s debt for a period of twelve (12) months or for the remaining repayment period or until the consumer finds employment or is able to earn an income, whichever period is shorter.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u00a0Many consumers may not be aware that they have credit life insurance in place and that the premium for this insurance is already included in the cost of credit. To check if this insurance is in place, consumers must contact their credit providers and where applicable consider use of this benefit to provide relief, concludes Motshegare.<strong>\\u00a0<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\"><strong>ENDS<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">The National Credit Regulator (NCR) was established as the regulator under the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Media Office:\\u00a0<a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Or<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Ntombizodwa Mahlangu<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">(011) 554-2624 \\/ 064\\u00a0752 3926<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">E-mail:\\u00a0<a href=\\\"mailto:nmahlangu@ncr.org.za\\\">nmahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-07-16 09:51:18\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-16 09:51:18\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-07-16 09:51:18\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(392,81,1,'','2020-07-16 09:53:06',915,8538,'acf75d9e10a806764b557a00a0caa720d289513d','{\"id\":81,\"asset_id\":219,\"title\":\"Managing debt during COVID-19 times\",\"alias\":\"managing-debt-during-covid-19-times\",\"introtext\":\"<p style=\\\"font-weight: 400; text-align: right;\\\"><strong>July 2020<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">As South Africa is battling with the rapid spread of CODIV-19 and how to stimulate economic activities, many consumers are in financial distress and struggling to repay debts as a result of reduced and complete loss of income. The National Credit Act (NCA) offers various debt relief measures for financially embattled consumers struggling to repay debts and consumers are encouraged to consider these measures where applicable, advises Adv. Kedilatile Legodi, Acting Manager: Education and Communication at the National Credit Regulator (NCR).\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>Below are the various NCA debt relief measures to consider:<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>Credit Life Insurance<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">Credit life insurance is an insurance that a consumer purchases when applying for credit or loan. It covers the outstanding debt in the event of unforeseen circumstances such as death, retrenchment, unemployment, inability to earn an income, disability and others. In the event of the consumer becoming unemployed or unable to earn an income, the credit life insurance cover provides that credit providers must settle \\/ pay the consumer\\u2019s debt for a period of twelve (12) months or for the remaining repayment period or until the consumer finds employment or is able to earn an income, whichever period is shorter. Consumers who would like to use this relief measure but battling to get assistance from their credit providers can send a complaint to the National Credit Regulator. However, it is important for consumers to remember that in order to benefit from credit life insurance, all payments regarding the credit life insurance policy must be up to date.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u00a0<strong>Debt Counselling \\/ Review<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">Debt counselling is a debt relief measure intended to assist over-indebted consumers struggling with debt, through budget advice, negotiation with credit providers for reduced payments, extension of repayment term and restructuring of debt. Debt counselling also offers consumers protection against repossession or legal action by credit providers. Consumers who have been negatively impacted by the effects of the COVID-19 pandemic resulting in reduced income are encouraged to consider this debt relief measure since an income is required to apply for debt counselling. However, before signing up for debt counselling, consumers must ensure that the process is understood in detail and the implications thereof. Debt counselling is offered by the NCR registered debt counsellors who operate nationwide. A list of registered debt counsellors can be found on the NCR website\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>\\u00a0or by contacting the NCR on 0860 627\\u00a0627.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\"><strong>Surrender of goods<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">The NCA allows consumers to voluntarily surrender \\/ return goods to credit providers when they can no longer afford to maintain the repayments or can foresee that they will not be able to maintain future payments. In terms of section 127 of the NCA,\\u00a0credit agreements under which goods can be surrendered are instalment agreements, secured loans or leases.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">Legodi says that there is a process to be followed, which consumers are encouraged to understand before they give notice to a credit provider to return the goods. The credit provider is required to provide the consumer with a letter setting out the estimated value of the goods, ten (10) business days after the consumer gave notice to surrender or return the goods, whichever is the latest. The consumer may withdraw the notice to surrender within 10 business days after receiving the estimated value letter, if the account is not in arrears. The credit provider will sell the returned goods in an attempt to settle the debt. However, there is no guarantee that the credit provider will sell the goods for what the consumer still owes. If the proceeds from the sale are insufficient to settle the outstanding debt, the consumer will be liable to pay the shortfall after the sale. Consumers are also encouraged to privately sell goods that they can no longer afford to repay in an attempt to obtain the best possible price, advises Legodi.<\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">For consumers with a need to borrow or loan money, they should do so having considered their ability to repay the debt and only use NCR registered credit providers. Consumers should never enter into any agreement with unregistered credit providers who usually retain bank cards, SASSA cards, identity documents etc. as security and a collection method. The retention of cards or identity documents is prohibited and a criminal offence in terms of the NCA. Consumers are urged to report credit providers who retain these instruments to the South African Police Service and the NCR, concludes Legodi.<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\"><strong>Ends<\\/strong><strong>\\u00a0<\\/strong><\\/p>\\r\\n<hr \\/>\\r\\n<p style=\\\"font-weight: 400;\\\">\\u00a0<strong>About The National Credit Regulator<\\/strong><\\/p>\\r\\n<p style=\\\"font-weight: 400;\\\">The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\"><strong>For more information contact:<\\/strong>\\u00a0<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Ntombizodwa Mahlangu<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">E-mail:\\u00a0<a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Cell: 064\\u00a0752 3926<\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Media Office:\\u00a0<a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/p>\\r\\n<p style=\\\"font-weight: 400; text-align: center;\\\">Website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-07-16 09:53:06\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-07-16 09:53:06\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-07-16 09:53:06\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(395,1,1,'','2020-09-11 15:03:48',915,2613,'1d7a0acf280042b7f6a4f2fb2dce8ff29ce7096a','{\"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 for the South African credit industry by the National Credit Act (34 of 2005) (NCA). It is tasked with consumer education, research, policy development, registration of industry participants, investigation of complaints and enforcement of the NCA.<\\/p>\\r\\n<p>The NCA requires the NCR to promote the development of an accessible credit market, particularly to address the needs of historically disadvantaged persons, low income persons, and remote, isolated or low density communities.<\\/p>\\r\\n<p>The NCR registers and ensures compliance to the NCA by the following industry participants: credit providers, credit bureaus, debt counsellors, alternative dispute resolution agents and payment distribution agents.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"2\",\"created\":\"2019-03-06 15:18:44\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 15:03:48\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 15:01:41\",\"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\":6,\"ordering\":\"6\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"17\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"1\",\"language\":\"*\",\"xreference\":\"\"}',0),(396,49,1,'','2020-09-11 16:02:33',915,3350,'258d4036da65ca5c8d3ea2374ce4de69f438b7e6','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/CP\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application form for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Preliminary Developmental credit guidelines (2) (3).doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Preliminary Developmental credit guidelines<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/REGISTRATION AS A CREDIT PROVIDER.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">registration as a credit provider.docx<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/Resolution.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/CP\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:02:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:02:03\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"46\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(397,49,1,'','2020-09-11 16:03:45',915,2409,'0a0eaa18f3972df84c51e2e2c87246e5fb469094','{\"id\":49,\"asset_id\":\"163\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Form 2.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as a credit provider<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/form 3.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for supplementary registrations<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/credit provider\\/Annexure Confirmation of payment of fees - CP 2017.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of fees<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2019-04-17 12:38:21\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:03:45\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:02:33\",\"publish_up\":\"2019-04-17 12:38:21\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"47\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(398,54,1,'','2020-09-11 16:11:52',915,2232,'d88a3e7656f4e1ed2b3d9824ffc395f6cd3933e9','{\"id\":54,\"asset_id\":\"168\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/form 5.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Credit Bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau\\/Annexure_Confirmation_of_payment_of_fees_CB.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2019-04-17 13:35:37\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:11:52\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:11:39\",\"publish_up\":\"2019-04-17 13:35:37\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"20\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(399,50,1,'','2020-09-11 16:14:17',915,2239,'8935e7863bbe0a326815b73df95f7df2b7a2e437','{\"id\":50,\"asset_id\":\"164\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/form 4.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for Registration as a Debt Counselor<\\/a><\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/debt_counsellors\\/Annexure_Confirmation_of_payment_of_fees_DC.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure A: Confirmation of payment of Fees<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2019-04-17 12:44:45\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:14:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:13:50\",\"publish_up\":\"2019-04-17 12:44:45\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"30\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(400,53,1,'','2020-09-11 16:17:28',915,2707,'27b6beae8ab5da60bda1ac984b66e0cb1f5d2388','{\"id\":53,\"asset_id\":\"167\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a title=\\\"NCR resolution document\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/143 AD NCR RESOLUTION DOCUMENT.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR resolution document\\u00a0<\\/a><\\/li>\\r\\n<li><a title=\\\"Service Provider SA\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/Service Providers SA.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider SA<\\/a><\\/li>\\r\\n<li><a title=\\\"PDA Application Form 46\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/NCR_PDA Application Form 46.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">PDA Application Form 46<\\/a><\\/li>\\r\\n<li><a title=\\\"NCR Scope of Work by Independent Auditors\\u00a0\\\" href=\\\"..\\/documents\\/pages\\/PDA\\/Application_form\\/0000 NCR SCOPE OF WORK BY INDEPENDANT AUDITOR.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">NCR Scope of Work by Independent Auditors\\u00a0<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-17 13:28:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:17:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:17:12\",\"publish_up\":\"2019-04-17 13:28:48\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"17\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(401,51,1,'','2020-09-11 16:20:22',915,1986,'15cb3efdad20f42eecd14729801c0723d7f4705a','{\"id\":51,\"asset_id\":\"165\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Form 47 editable.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Application for registration as an Alternative Dispute Resolution Agent<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-17 13:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:20:22\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:20:07\",\"publish_up\":\"2019-04-17 13:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"27\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(402,41,1,'','2020-09-11 16:48:09',915,5116,'78651426140e87d4afc384a2fa309cf85938eeb0','{\"id\":41,\"asset_id\":\"150\",\"title\":\"How do I register?\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document.<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable).<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members or directors of the company.<\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Resolution- PDA.DOC\\\">Resolution<\\/a>.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/PDA\\/List of service providers for criminal clearance certificate.xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link)<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R100 000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>Copy of the latest management accounts (if applicable).<\\/li>\\r\\n<li>Copy of the latest annual financial statements (if applicable).<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Fraud prevention policy.<\\/li>\\r\\n<li>Human resource policies.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers, alternative dispute resolution agents, debt counsellors or credit providers.<\\/li>\\r\\n<li>A detailed due diligent report compiled by an independent auditor appointed by the applicant at the applicant\\u2019s own cost<a href=\\\"documents\\/PDA\\/Audit review requirements for PDAs.docx\\\"> (scope of work attached).<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:48:09\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:47:26\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":5,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"24\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(403,40,1,'','2020-09-11 16:50:48',915,12790,'c3e07303215fc72ba49f3cf33b5a87771d72b75c','{\"id\":40,\"asset_id\":\"148\",\"title\":\"How do I register?\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Resolution - ADR.DOC\\\">Resolution<\\/a><\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"..\\/documents\\/ADR\\/List of service providers for criminal clearance certificate.xlsx\\\">attached hereto<\\/a> marked \\u201cA\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20 000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ol>\\r\\n<p>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/p>\\r\\n<!--<p>REGISTRATION AS AN ALTERNATIVE DISPUTE RESOLUTION AGENT (ADR)<br \\/> <strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Act 34 of 2005, as amended:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list; and<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a commitment by the National Credit Regulator not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A minimum Grade 12 certificate or equivalent Level 4 qualification issued by the South African Qualifications Authority (SAQA);<\\/li>\\r\\n<li>A three year degree; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Experience and Competence: <\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>Must demonstrate the ability to:-<\\/li>\\r\\n<ul>\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013<\\/li>\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit Act 34 of 2005, as amended:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"http:\\/\\/www.ncr.org.za\\/pdfs\\/registration\\/Resolution_specimen.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached);<\\/li>\\r\\n<li>A Police Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure attached hereto marked Annexure \\u201c<strong>A<\\/strong>\\u201d;<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/em><\\/strong><\\/p>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 16:50:48\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 16:49:08\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"24\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(408,82,1,'','2020-09-11 18:04:23',915,3984,'a84d5d7ad8f0248d867df4ba6b68f394d81396c3','{\"id\":82,\"asset_id\":220,\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register\",\"introtext\":\"<p style=\\\"font-weight: bold;\\\">Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/p>\\r\\n<ul>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-weight: bold;\\\">Although basic registration of credit providers is under this Act -<\\/p>\\r\\n<ul>\\r\\n<li>The Regulator may impose conditions to address matters relating to the purpose of the Act generally;<\\/li>\\r\\n<li>The Regulator will further consider the application relating to BBBEE and combating over-indebtedness concerns specifically; and<\\/li>\\r\\n<li>A credit provider who intends to enter into developmental credit agreements must apply for supplementary registration, and satisfy the requirements for such registration.<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/5.%20Registration%20(section%2039%20-53).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2020-09-11 18:04:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:04:23\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-11 18:04:23\",\"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),(409,82,1,'','2020-09-11 18:04:30',915,4006,'78d8dbfa0a1207558e64032b8a2dd3f571185250','{\"id\":82,\"asset_id\":\"220\",\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register-cp\",\"introtext\":\"<p style=\\\"font-weight: bold;\\\">Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/p>\\r\\n<ul>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-weight: bold;\\\">Although basic registration of credit providers is under this Act -<\\/p>\\r\\n<ul>\\r\\n<li>The Regulator may impose conditions to address matters relating to the purpose of the Act generally;<\\/li>\\r\\n<li>The Regulator will further consider the application relating to BBBEE and combating over-indebtedness concerns specifically; and<\\/li>\\r\\n<li>A credit provider who intends to enter into developmental credit agreements must apply for supplementary registration, and satisfy the requirements for such registration.<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/5.%20Registration%20(section%2039%20-53).pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2020-09-11 18:04:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:04:30\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 18:04:23\",\"publish_up\":\"2020-09-11 18:04:23\",\"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\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(410,82,1,'','2020-09-11 18:11:28',915,3992,'47e86fc922ef89ae7c390b291549d0f5089e803b','{\"id\":82,\"asset_id\":\"220\",\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register-cp\",\"introtext\":\"<p style=\\\"font-weight: bold;\\\">Requirements for registering as a credit provider as per Section 40, 41, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/p>\\r\\n<ul>\\r\\n<li>A person must apply for registration as a credit provider if that person is-\\r\\n<ul>\\r\\n<li>The party who supplies goods or services under a discount transaction or instalment sale agreement;<\\/li>\\r\\n<li>The party who advances money or credit under a pawn transaction;<\\/li>\\r\\n<li>The party who extends credit under a credit facility;<\\/li>\\r\\n<li>The mortgagee under a mortgage agreement;<\\/li>\\r\\n<li>The lender under a secured loan;<\\/li>\\r\\n<li>The lessor under a lease;<\\/li>\\r\\n<li>The party to whom an assurance or promise is made under a credit guarantee;<\\/li>\\r\\n<li>The party who advances money or credit to another under any other credit agreement; or<\\/li>\\r\\n<li>Any other person who acquires the rights of a credit provider under a credit agreement after it has been entered into.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>A juristic person or a natural person may apply for registration as a credit provider.<\\/li>\\r\\n<li>A person who is required to be registered as a credit provider, but who is not so registered, must not offer, make available or extend credit, enter into a credit agreement or agree to do any of those things.<\\/li>\\r\\n<\\/ul>\\r\\n<p style=\\\"font-weight: bold;\\\">Although basic registration of credit providers is under this Act -<\\/p>\\r\\n<ul>\\r\\n<li>The Regulator may impose conditions to address matters relating to the purpose of the Act generally;<\\/li>\\r\\n<li>The Regulator will further consider the application relating to BBBEE and combating over-indebtedness concerns specifically; and<\\/li>\\r\\n<li>A credit provider who intends to enter into developmental credit agreements must apply for supplementary registration, and satisfy the requirements for such registration.<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>For further information, refer to the\\u00a0<a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_providers\\/Registration_section_39-53.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">relevant sections of the Act<\\/a><\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"27\",\"created\":\"2020-09-11 18:04:23\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:11:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 18:11:18\",\"publish_up\":\"2020-09-11 18:04:23\",\"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\":3,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"1\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(411,83,1,'','2020-09-11 18:16:05',915,45871,'5e13353f88ce226b42c63ceb622da7bbea266efc','{\"id\":83,\"asset_id\":221,\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of The Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><br \\/> Debt cousellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements. <br \\/><br \\/> <span style=\\\"font-weight: bold; font-size: 9.0pt;\\\">Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the <span style=\\\"color: #f00;\\\">National Credit Amendment Act, 19 of 2014<\\/span>:<\\/span> <br \\/> <\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">1.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Applicant must<span style=\\\"mso-spacerun: yes;\\\">\\u00a0 <\\/span>be 18 years or older<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">2.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 ( a) ( i) \\u00a0<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">3.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must successfully complete a debt counselling course approved by the National Credit Regulator and provided by an institution approved by the National Credit Regulator;<span style=\\\"mso-spacerun: yes;\\\">\\u00a0 <\\/span>be 18 years or older<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">University of Pretoria (Law Clinic) - 012 420 5235<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Damelin - 011 796 2000<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Rudo Research \\u00a0 Training - 012 663 3251\\/3120<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Summit Financial Partners - 087 806 1000<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Compuscan Academy - 021 888 6000<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">4.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have a minimum of two years working experience in any of the following fields;<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Protection<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Complaints Resolution<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Advisory Services<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Legal or Paralegal Services<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Accounting or financial services<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Education or training of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Counselling of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">General Business Environment<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">5.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to an Administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">6.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act.<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">7.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Debt collection<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The operation of a credit bureau<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Credit provision<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">8.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills<\\/span><\\/p>\\r\\n<!--<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Debt cousellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the <\\/span><\\/b><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-bidi-font-family: Helvetica; color: red; mso-ansi-language: EN-GB;\\\">National Credit Amendment Act, 19 of 2014<\\/span><\\/b><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB;\\\">:<\\/span><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">1.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Applicant must<span style=\\\"mso-spacerun: yes;\\\">\\u00a0 <\\/span>be 18 years or older<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">2.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have \\u00a0a grade 12 certificate \\u00a0or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 ( a) ( i)\\u00a0<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">3.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must successfully complete a debt counselling course \\u00a0approved by the National Credit Regulator \\u00a0and provided \\u00a0by an institution approved \\u00a0by the National Credit Regulator;<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0420 5015<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Damelin \\u00a0<span style=\\\"mso-tab-count: 2;\\\">\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 <\\/span>\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0011\\u00a0242 3400<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0<span style=\\\"mso-spacerun: yes;\\\">\\u00a0\\u00a0 <\\/span>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0663 3251<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Compuscan Academy <span style=\\\"mso-spacerun: yes;\\\">\\u00a0<\\/span>\\u00a0\\u00a0 021\\u00a0888 6048<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Institute of Bankers \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0461 7013<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">4.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have \\u00a0a minimum of two years working experience in any of the following \\u00a0fields;<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Protection<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Complaints Resolution<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Advisory Services<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Legal or Paralegal Services<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Accounting or financial services<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Education or training of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Counselling of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">General Business Environment<\\/span><\\/p>\\r\\n\\r\\n\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">5.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to an Administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">6.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act.<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">7.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Debt collection<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The operation of a credit bureau<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Credit provision<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">8.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant\\u2019s credit bureau profile should not reflect significant adverse information. The Following is considered as significant adverse information:<\\/span><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">1.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant\\u2018s credit bureau record reflecting Judgments exceeding R20, 000.00<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">2.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant has 2 or more Judgments in the last 24 months<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">3.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant has been placed under Administration and or debt review<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">4.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The majority of the applicant\\u2019s credit accounts are more than 3 months in arrears<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">5.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant has 3 or more defaults<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 7.5pt; line-height: 31.5pt;\\\">\\u00a0<\\/p>-->\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2020-09-11 18:16:05\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:16:05\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-11 18:16:05\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0);
INSERT INTO `zbk92_ucm_history` (`version_id`, `ucm_item_id`, `ucm_type_id`, `version_note`, `save_date`, `editor_user_id`, `character_count`, `sha1_hash`, `version_data`, `keep_forever`) VALUES (412,83,1,'','2020-09-11 18:16:12',915,45893,'c32f5931ad8ac8bbf8259dd3b3b7292c686a39f5','{\"id\":83,\"asset_id\":\"221\",\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register-dc\",\"introtext\":\"<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0The Act makes provision for the registration of debt counsellors which have complied with all the provisions of The Act and satisfied the training requirements of the NCR.<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><br \\/> Debt cousellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements. <br \\/><br \\/> <span style=\\\"font-weight: bold; font-size: 9.0pt;\\\">Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the <span style=\\\"color: #f00;\\\">National Credit Amendment Act, 19 of 2014<\\/span>:<\\/span> <br \\/> <\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">1.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Applicant must<span style=\\\"mso-spacerun: yes;\\\">\\u00a0 <\\/span>be 18 years or older<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">2.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have a grade 12 certificate or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 ( a) ( i) \\u00a0<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">3.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must successfully complete a debt counselling course approved by the National Credit Regulator and provided by an institution approved by the National Credit Regulator;<span style=\\\"mso-spacerun: yes;\\\">\\u00a0 <\\/span>be 18 years or older<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">University of Pretoria (Law Clinic) - 012 420 5235<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Damelin - 011 796 2000<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Rudo Research \\u00a0 Training - 012 663 3251\\/3120<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Summit Financial Partners - 087 806 1000<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Compuscan Academy - 021 888 6000<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">4.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have a minimum of two years working experience in any of the following fields;<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Protection<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Complaints Resolution<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Advisory Services<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Legal or Paralegal Services<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Accounting or financial services<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Education or training of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Counselling of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">General Business Environment<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">5.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to an Administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">6.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act.<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">7.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Debt collection<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The operation of a credit bureau<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Credit provision<\\/span><\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">8.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills<\\/span><\\/p>\\r\\n<!--<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">&nbsp;<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Debt cousellors will conduct independent enquiries into consumers\\u2019 financial circumstances and make recommendations to the courts concerning debt restructuring and suspension of reckless credit agreements.\\u00a0<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Requirements for Registering as a Debt Counsellor as per Section 44 and Regulation 10 of the <\\/span><\\/b><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-bidi-font-family: Helvetica; color: red; mso-ansi-language: EN-GB;\\\">National Credit Amendment Act, 19 of 2014<\\/span><\\/b><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB;\\\">:<\\/span><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">1.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Applicant must<span style=\\\"mso-spacerun: yes;\\\">\\u00a0 <\\/span>be 18 years or older<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">2.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have \\u00a0a grade 12 certificate \\u00a0or equivalent level 4 qualification issued by the South African Qualifications Authority in terms of regulation 10 ( a) ( i)\\u00a0<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">3.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must successfully complete a debt counselling course \\u00a0approved by the National Credit Regulator \\u00a0and provided \\u00a0by an institution approved \\u00a0by the National Credit Regulator;<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">University of Pretoria\\u00a0\\u00a0\\u00a0\\u00a0 012\\u00a0420 5015<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Damelin \\u00a0<span style=\\\"mso-tab-count: 2;\\\">\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 <\\/span>\\u00a0\\u00a0\\u00a0\\u00a0 \\u00a0011\\u00a0242 3400<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">RUDO \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0<span style=\\\"mso-spacerun: yes;\\\">\\u00a0\\u00a0 <\\/span>\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0012\\u00a0663 3251<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 0pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Compuscan Academy <span style=\\\"mso-spacerun: yes;\\\">\\u00a0<\\/span>\\u00a0\\u00a0 021\\u00a0888 6048<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 54pt; text-indent: -18pt;\\\"><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span style=\\\"font-size: 9.0pt; line-height: 115%; font-family: \'Lucida Sans\',sans-serif; color: gray; mso-themecolor: background1; mso-themeshade: 128;\\\">Institute of Bankers \\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0 011\\u00a0461 7013<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">4.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must have \\u00a0a minimum of two years working experience in any of the following \\u00a0fields;<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Protection<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Complaints Resolution<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Consumer Advisory Services<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Legal or Paralegal Services<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Accounting or financial services<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Education or training of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Counselling of Individuals<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">General Business Environment<\\/span><\\/p>\\r\\n\\r\\n\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">5.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to an Administration order as contemplated in section 74 of the Magistrate\\u2018s court Act 32 of 1944<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">6.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be subject to debt re-arrangement as contemplated in section 86 and 87 of the National Credit Act.<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">7.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Must not be engaged in, employed by or acting as an agent for a person that is engaged in \\u2013<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Debt collection<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The operation of a credit bureau<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 67.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 10.0pt; mso-bidi-font-size: 9.0pt; font-family: \'Courier New\'; mso-fareast-font-family: \'Courier New\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">o<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">Credit provision<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">8.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The person must demonstrate ability to manage his \\/ her own finances at the time of applying for registration as well as providing counselling or transfer of skills<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"line-height: 13.5pt; margin: 9.0pt 0cm 9.0pt 0cm;\\\"><b><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant\\u2019s credit bureau profile should not reflect significant adverse information. The Following is considered as significant adverse information:<\\/span><\\/b><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">1.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant\\u2018s credit bureau record reflecting Judgments exceeding R20, 000.00<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">2.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant has 2 or more Judgments in the last 24 months<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">3.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant has been placed under Administration and or debt review<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">4.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The majority of the applicant\\u2019s credit accounts are more than 3 months in arrears<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 10pt 37.5pt; line-height: 18pt; text-indent: -18pt;\\\"><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Lucida Sans\'; mso-bidi-font-family: \'Lucida Sans\'; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\"><span style=\\\"mso-list: Ignore;\\\">5.<span style=\\\"font: 7.0pt \'Times New Roman\';\\\">\\u00a0\\u00a0\\u00a0 <\\/span><\\/span><\\/span><span lang=\\\"EN-GB\\\" style=\\\"font-size: 9.0pt; font-family: \'Lucida Sans\',sans-serif; mso-fareast-font-family: \'Times New Roman\'; mso-bidi-font-family: Helvetica; color: #555555; mso-ansi-language: EN-GB; mso-fareast-language: EN-ZA;\\\">The applicant has 3 or more defaults<\\/span><\\/p>\\r\\n<p style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/p>\\r\\n<p style=\\\"margin: 0cm 0cm 7.5pt; line-height: 31.5pt;\\\">\\u00a0<\\/p>-->\\r\\n<p>\\u00a0<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"26\",\"created\":\"2020-09-11 18:16:05\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:16:12\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 18:16:05\",\"publish_up\":\"2020-09-11 18:16:05\",\"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),(413,84,1,'','2020-09-11 18:19:39',915,7256,'9ffdabff54620bde7f64356488bdb38fca0783a1','{\"id\":84,\"asset_id\":222,\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ol type=\\\"i\\\">\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-&gt;\\r\\n<ol type=\\\"i\\\">\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>Education:<\\/strong> The applicant or a person appointed to deal with disputes must meet the following requirements -\\r\\n<ol type=\\\"i\\\">\\r\\n<li>(three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ol type=\\\"i\\\">\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ol type=\\\"i\\\">\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ol type=\\\"i\\\">]\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2020-09-11 18:19:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:19:39\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-11 18:19:39\",\"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),(414,84,1,'','2020-09-11 18:19:48',915,7279,'64afc745cc113f32f4363a8e0b48cc009a8d55f0','{\"id\":84,\"asset_id\":\"222\",\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register-adr\",\"introtext\":\"<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ol type=\\\"i\\\">\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-&gt;\\r\\n<ol type=\\\"i\\\">\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>Education:<\\/strong> The applicant or a person appointed to deal with disputes must meet the following requirements -\\r\\n<ol type=\\\"i\\\">\\r\\n<li>(three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ol type=\\\"i\\\">\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ol type=\\\"i\\\">\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ol type=\\\"i\\\">]\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2020-09-11 18:19:39\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:19:48\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 18:19:39\",\"publish_up\":\"2020-09-11 18:19:39\",\"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),(415,85,1,'','2020-09-11 18:22:28',915,5370,'d706a0a2756c60a86d02a9a5c42348bfa86eedd4','{\"id\":85,\"asset_id\":223,\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong>Education<\\/strong><\\/p>\\r\\n<p>(i) maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/p>\\r\\n<p>(ii) completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/p>\\r\\n<p>(iii) the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/p>\\r\\n<p><strong>(b) Experience<\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<p>(i) responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/p>\\r\\n<p>(ii) who is a person with good record of managing the finances of the company.<\\/p>\\r\\n<p><strong>(c) Competence<\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<p>(i) have sufficient human, financial, and operational resources to carry out the functions of PDA efficiently and effectively;<\\/p>\\r\\n<p>(ii) put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/p>\\r\\n<p>(iii) comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/p>\\r\\n<p>(iv) be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/p>\\r\\n<p>(v) be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/p>\\r\\n<p>(vi) have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/p>\\r\\n<p>(vii) have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/p>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2020-09-11 18:22:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:22:28\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-11 18:22:28\",\"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),(416,85,1,'','2020-09-11 18:22:36',915,5393,'8e895cc7d9ea1b69108491fc50f1e33db3c68a71','{\"id\":85,\"asset_id\":\"223\",\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register-pda\",\"introtext\":\"<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong>Education<\\/strong><\\/p>\\r\\n<p>(i) maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/p>\\r\\n<p>(ii) completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/p>\\r\\n<p>(iii) the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/p>\\r\\n<p><strong>(b) Experience<\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<p>(i) responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/p>\\r\\n<p>(ii) who is a person with good record of managing the finances of the company.<\\/p>\\r\\n<p><strong>(c) Competence<\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<p>(i) have sufficient human, financial, and operational resources to carry out the functions of PDA efficiently and effectively;<\\/p>\\r\\n<p>(ii) put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/p>\\r\\n<p>(iii) comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/p>\\r\\n<p>(iv) be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/p>\\r\\n<p>(v) be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/p>\\r\\n<p>(vi) have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/p>\\r\\n<p>(vii) have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/p>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2020-09-11 18:22:28\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:22:36\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 18:22:28\",\"publish_up\":\"2020-09-11 18:22:28\",\"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\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(417,86,1,'','2020-09-11 18:26:48',915,4058,'9c9ce7455447d6616297d8b1fe044a029c5814c1','{\"id\":86,\"asset_id\":224,\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the relevant sections of the Act;<\\/li>\\r\\n<li>For further information, refer to the relevant sections of the Regulations.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of consumers or credit providers are treated equitably and consistently in a timely, efficient and courteous manner, or presents to the NCR a credible plan to acquire or develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is\\r\\n<ol type=\\\"i\\\">\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-11 18:26:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:26:48\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-11 18:26:48\",\"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),(418,86,1,'','2020-09-11 18:26:54',915,4080,'cb65933fb9a6528ed3f593966c2ce1148349495e','{\"id\":86,\"asset_id\":\"224\",\"title\":\"Who needs to register? \",\"alias\":\"who-needs-to-register-cb\",\"introtext\":\"<p>The Act requires registration of all credit bureaux. This excludes credit providers or employees of credit providers. An entity qualifies to register as a credit bureaux if it is engaged in the business of receiving reports or investigating credit applications, credit agreements, payment history or patterns, or consumer credit information relating to consumers or prospective consumers. These entities must also be in the business of compiling and maintaining data and issuing reports concerning consumers.<\\/p>\\r\\n<ul>\\r\\n<li>For further information, refer to the relevant sections of the Act;<\\/li>\\r\\n<li>For further information, refer to the relevant sections of the Regulations.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Requirements for registering as a credit bureau as per Section 43, and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>The National Credit Regulator will not register a person as a credit bureau unless that person -\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Maintains and imposes appropriate qualifications, competence, knowledge and experience requirements for its employees or contractor who will have the authority to represent it in any function under the Act;<\\/li>\\r\\n<li>Has sufficient human, financial and operational resources to enable it to function efficiently and to carry out effectively its functions in terms of the act or presents a credible plan to acquire or develop such resources;<\\/li>\\r\\n<li>Has adopted procedures to ensure that questions, concerns and complaints of consumers or credit providers are treated equitably and consistently in a timely, efficient and courteous manner, or presents to the NCR a credible plan to acquire or develop those procedures and;<\\/li>\\r\\n<li>Is registered with the South African Revenue Services<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>In addition to the requirements of section 46, a person may not be registered as a credit bureau if any person who has a controlling interest in the applicant is\\r\\n<ol type=\\\"i\\\">\\r\\n<li>a credit provider;<\\/li>\\r\\n<li>a debt collection agency; or<\\/li>\\r\\n<li>a person who conducts any disqualified business prescribed in terms of subsection (5).<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A natural person may not be registered as a credit bureau.<\\/li>\\r\\n<\\/ol>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"28\",\"created\":\"2020-09-11 18:26:48\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-11 18:26:54\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-11 18:26:48\",\"publish_up\":\"2020-09-11 18:26:48\",\"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\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(423,41,1,'','2020-09-12 10:58:57',915,8717,'f56d349ecf7a78a5640beba14b8a158dec74b4d9','{\"id\":41,\"asset_id\":\"150\",\"title\":\"How do I register?\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document.<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable).<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members or directors of the company.<\\/li>\\r\\n<li><a href=\\\"documents\\/PDA\\/Resolution- PDA.DOC\\\">Resolution<\\/a>.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"documents\\/PDA\\/List of service providers for criminal clearance certificate.xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link)<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R100 000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>Copy of the latest management accounts (if applicable).<\\/li>\\r\\n<li>Copy of the latest annual financial statements (if applicable).<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Fraud prevention policy.<\\/li>\\r\\n<li>Human resource policies.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers, alternative dispute resolution agents, debt counsellors or credit providers.<\\/li>\\r\\n<li>A detailed due diligent report compiled by an independent auditor appointed by the applicant at the applicant\\u2019s own cost<a href=\\\"documents\\/PDA\\/Audit review requirements for PDAs.docx\\\"> (scope of work attached).<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/strong><\\/p>\\r\\n<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong>Education<\\/strong><\\/p>\\r\\n<p>(i) maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/p>\\r\\n<p>(ii) completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/p>\\r\\n<p>(iii) the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/p>\\r\\n<p><strong>(b) Experience<\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<p>(i) responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/p>\\r\\n<p>(ii) who is a person with good record of managing the finances of the company.<\\/p>\\r\\n<p><strong>(c) Competence<\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<p>(i) have sufficient human, financial, and operational resources to carry out the functions of PDA efficiently and effectively;<\\/p>\\r\\n<p>(ii) put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/p>\\r\\n<p>(iii) comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/p>\\r\\n<p>(iv) be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/p>\\r\\n<p>(v) be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/p>\\r\\n<p>(vi) have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/p>\\r\\n<p>(vii) have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/p>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 10:58:57\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 10:58:44\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"26\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(425,52,1,'','2020-09-12 11:11:44',915,3078,'2a8634dfb14cc45ff0af6510d2aec741555cee84','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<p><a href=\\\"...\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/form 5.pdf\\\">Application for Registration as a Credit Bureau reseller<\\/a><\\/p>\\r\\n<!--<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/RCB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Directors Resolution - Resellers - Annexure A.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Directors Resolution - Resellers - Annexure A<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/REGISTRATION AS A RESELLER CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a reseller credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Reseller Undertaking - Annexure B.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Reseller Undertaking - Annexure B<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Terms of Reference for performing an IS Due Diligence Review of Reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 11:11:44\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 11:11:07\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":6,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"20\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(426,52,1,'','2020-09-12 11:12:13',915,3077,'9cde5e053ea85aa922c3a96492d9a34e2304cb3f','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<p><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/form 5.pdf\\\">Application for Registration as a Credit Bureau reseller<\\/a><\\/p>\\r\\n<!--<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/RCB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Directors Resolution - Resellers - Annexure A.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Directors Resolution - Resellers - Annexure A<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/REGISTRATION AS A RESELLER CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a reseller credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Reseller Undertaking - Annexure B.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Reseller Undertaking - Annexure B<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Terms of Reference for performing an IS Due Diligence Review of Reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 11:12:13\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 11:11:44\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":7,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"21\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(427,52,1,'','2020-09-12 11:13:00',915,3097,'5d0c49d53876b8d4a7babf2dccfd94f8394b45c6','{\"id\":52,\"asset_id\":\"166\",\"title\":\"Application forms\",\"alias\":\"application-forms\",\"introtext\":\"<ul>\\r\\n<li><a href=\\\"..\\/documents\\/pages\\/registration&amp;compliance\\/credit_bureau_reseller\\/form 5.pdf\\\">Application for Registration as a Credit Bureau reseller<\\/a><\\/li>\\r\\n<\\/ul>\\r\\n<!--<ul class=\\\"arrow-list\\\">\\r\\n<li><a href=\\\"documents\\/RCB\\/Annexure Confirmation of payment of fees - CB.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Annexure Confirmation of payment of fees<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Directors Resolution - Resellers - Annexure A.DOC\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Directors Resolution - Resellers - Annexure A<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/REGISTRATION AS A RESELLER CREDIT BUREAU.docx\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Registration as a reseller credit bureau<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Reseller Undertaking - Annexure B.DOCX\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Reseller Undertaking - Annexure B<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/Terms of Reference for performing an IS Due Diligence Review of Reseller....doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Terms of Reference for performing an IS Due Diligence Review of Reseller<\\/a><\\/li>\\r\\n<li><a href=\\\"documents\\/RCB\\/A.XLS\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Service Provider List<\\/a><\\/li>\\r\\n<\\/ul>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"29\",\"created\":\"2019-04-17 13:17:27\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 11:13:00\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 11:12:13\",\"publish_up\":\"2019-04-17 13:17:27\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"23\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(429,41,1,'','2020-09-12 11:17:16',915,8756,'e905ff662f3a7a28264aac2da584295443639b1c','{\"id\":41,\"asset_id\":\"150\",\"title\":\"Registration as a Payment Distribution Agents\",\"alias\":\"registration-as-a-payment-distribution-agent-pda\",\"introtext\":\"<p><strong>Documents and information required for the application for Registration as a PDA in terms of Section 44A of the Act<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>Completed and signed application form (form 46).<\\/li>\\r\\n<li>Companies and Intellectual Property Commission (CIPC) registration document.<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable).<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members or directors of the company.<\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/PDA\\/Resolution- PDA.DOC\\\">Resolution<\\/a>.<\\/li>\\r\\n<li>A Criminal Clearance Certificate for all the members\\/directors of the company issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"..\\/documents\\/PDA\\/List of service providers for criminal clearance certificate.xlsx\\\">attached hereto<\\/a> marked A. The clearance certificate must not be older than six (6) months. (Please create a link)<\\/li>\\r\\n<li>A bank guarantee letter for R5 million in favour of the NCR.<\\/li>\\r\\n<li>Confirmation of indemnity cover.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R100 000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditors\\/accounting officer\\u2019s letter of appointment.<\\/li>\\r\\n<li>Proof of registration with the Payment Association of South Africa (PASA).<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Receiver of Revenue Services (SARS).<\\/li>\\r\\n<li>Group\\/company organogram (company structure). Copies of the legal registration documents and nature of business for each entity within the group (if applicable).<\\/li>\\r\\n<li>Information of the executive, non-executive directors\\/members;\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Name of employee;<\\/li>\\r\\n<li>Position in organization;<\\/li>\\r\\n<li>Qualifications;<\\/li>\\r\\n<li>Experience (number of months, years in current role and similar role).<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>Copy of the latest management accounts (if applicable).<\\/li>\\r\\n<li>Copy of the latest annual financial statements (if applicable).<\\/li>\\r\\n<li>Copy of information security policy.<\\/li>\\r\\n<li>Business continuity management plan.<\\/li>\\r\\n<li>Fraud prevention policy.<\\/li>\\r\\n<li>Human resource policies.<\\/li>\\r\\n<li>Copy of disaster recovery plan.<\\/li>\\r\\n<li>Copy of the policy and procedures for handling questions, concerns and complaints of consumers, alternative dispute resolution agents, debt counsellors or credit providers.<\\/li>\\r\\n<li>A detailed due diligent report compiled by an independent auditor appointed by the applicant at the applicant\\u2019s own cost<a href=\\\"..\\/documents\\/PDA\\/Audit review requirements for PDAs.docx\\\"> (scope of work attached).<\\/a><\\/li>\\r\\n<\\/ol>\\r\\n<p><strong>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/strong><\\/p>\\r\\n<p><strong>Requirements for registering as a payment distribution agent as per Section 44A and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<p>(1) A natural person may not be registered as a payment distribution agent (\\u201cPDA\\u201d).<\\/p>\\r\\n<p>(2) A person who applies for registration as a PDA in terms of Section 44A of the National Credit Act, 2005 as amended (\\u201cthe Act\\u201d) must meet the following requirements in terms of Regulation 10A.<\\/p>\\r\\n<p>(a) <strong>Education<\\/strong><\\/p>\\r\\n<p>(i) maintain and impose appropriate qualification requirements for its employees or contractors who will have authority to represent it in any function of its business of collection and payment distribution;<\\/p>\\r\\n<p>(ii) completion of a payment distribution training programme approved by the National Credit Regulator (\\u201cNCR\\u201d) and provided by an accredited training institution;<\\/p>\\r\\n<p>(iii) the training programme must be completed within six (6) months after the PDA has been registered by the National Credit Regulator.<\\/p>\\r\\n<p><strong>(b) Experience<\\/strong><\\/p>\\r\\n<p>The PDA must have an executive director:-<\\/p>\\r\\n<p>(i) responsible for the day to day operations, with five (5) years experience in dealing with the business of collecting, distributing payments, accounting or financial services;<\\/p>\\r\\n<p>(ii) who is a person with good record of managing the finances of the company.<\\/p>\\r\\n<p><strong>(c) Competence<\\/strong><\\/p>\\r\\n<p>A person applying to be registered as a PDA must:-<\\/p>\\r\\n<p>(i) have sufficient human, financial, and operational resources to carry out the functions of PDA efficiently and effectively;<\\/p>\\r\\n<p>(ii) put in place adequate resources, systems and procedures to carry out the function of payment distribution efficiently and effectively;<\\/p>\\r\\n<p>(iii) comply with the Broad-Base Black Economic Empowerment Act, 2003 (Act 53 of 2003) as amended;<\\/p>\\r\\n<p>(iv) be registered with the South African Revenue Services and have a valid tax clearance certificate;<\\/p>\\r\\n<p>(v) be a company incorporated in terms of the Companies Act, 2008 (Act 71 of 2008) or Close Corporations Act, 1984 (Act 69 of 1984) or Cooperatives Act, 2005 (Act 14 of 2005);<\\/p>\\r\\n<p>(vi) have a board of directors\\/members consisting of not less than three (3) non-executive directors, one of whom must be independent, with qualifications and experience of not less than two (2) years in the accounting, auditing, or legal profession;<\\/p>\\r\\n<p>(vii) have adequate mechanisms in place to keep all payment records for at least five (5) years after the payment event.<\\/p>\\r\\n<p>(3) The applicant must have a minimum capital amount of R5 million for investment in the establishment and operation of a PDA and proof of this amount must be provided in the form of a bank guaranteed letter to the NCR at the time of the application.<\\/p>\\r\\n<p>(4) The applicant must have sufficient insurance cover in place, which is equivalent to the aggregate amount collected for distribution and adequate indemnity cover to compensate consumers and credit providers for any loss or damages occasioned by the conduct of the PDA.<\\/p>\\r\\n<p>(5) The applicant who conducts a debt counselling business must demonstrate that the business of debt counselling and payment distribution will be operationally independent of each other and managed independently by different persons and that the payment distribution is not made by the applicant in respect of consumers under debt review in their debt counselling business.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"25\",\"created\":\"2019-04-11 10:02:29\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 11:17:16\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 11:15:39\",\"publish_up\":\"2019-04-11 10:02:29\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":8,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"30\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(430,40,1,'','2020-09-12 11:20:05',915,18314,'c3d47b0f025e21e3b986daceafe257d88f63bf73','{\"id\":40,\"asset_id\":\"148\",\"title\":\"Registration as an alternative dispute resolution agent\",\"alias\":\"registration-as-an-alternative-dispute-resolution-agent-adr\",\"introtext\":\"<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"..\\/documents\\/ADR\\/Resolution - ADR.DOC\\\">Resolution<\\/a><\\/li>\\r\\n<li>A Criminal Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure <a href=\\\"..\\/documents\\/ADR\\/List of service providers for criminal clearance certificate.xlsx\\\">attached hereto<\\/a> marked \\u201cA\\u201d. The clearance certificate must not be older than six (6) months.<\\/li>\\r\\n<li>Proof of payment of the registration fees:\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20 000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/li>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque or a stamped copy of the bank statement.<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ol>\\r\\n<p>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/p>\\r\\n<p><strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the National Credit Amendment Act, 19 of 2014:<\\/strong><\\/p>\\r\\n<ol type=\\\"1\\\">\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-\\r\\n<ol type=\\\"i\\\">\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list;<\\/li>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<li>a commitment by the applicant not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-&gt;\\r\\n<ol type=\\\"i\\\">\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>Education:<\\/strong> The applicant or a person appointed to deal with disputes must meet the following requirements -\\r\\n<ol type=\\\"i\\\">\\r\\n<li>(three) year post matric qualification; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>Experience and Competence: <\\/strong>\\r\\n<ol type=\\\"i\\\">\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:\\r\\n<ol type=\\\"i\\\">\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>Must demonstrate the ability to:-\\r\\n<ol type=\\\"i\\\">\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013\\r\\n<ol type=\\\"i\\\">]\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<\\/ol>\\r\\n<\\/li>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ol>\\r\\n<!--<p>REGISTRATION AS AN ALTERNATIVE DISPUTE RESOLUTION AGENT (ADR)<br \\/> <strong>Requirements for registering as an alternative dispute resolution agent as per Section 134A and regulation 4 of the <\\/strong><strong>National Credit Act 34 of 2005, as amended:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>An application for registration as an alternative dispute resolution agent must contain:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an overview of an applicant\\u2019s capabilities and background in providing alternative dispute resolution services including a description of the applicant\\u2019s track record in handling the clerical aspects of the expedited alternative dispute resolution proceedings, if any;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a list of names and qualifications of personnel providing alternative dispute resolution services, whom the applicant for alternative dispute resolution services proposes to include on its list of adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of the screening requirements the applicant for alternative dispute resolution services has used in selecting adjudicators to be included on its list; and<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>an indication whether it intends to make exclusive use of adjudicators who are residents or citizens of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of training and educational measures the applicant for alternative dispute resolution services proposes to employ for listed adjudicators with respect to credit related disputes;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a commitment by the National Credit Regulator not to prevent or discourage any of its adjudicators from serving as adjudicators for other providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a proposed schedule for the alternative dispute resolution services, its programme for administering disputes under these Regulations, including a statement regarding the administrative capacity to manage disputes on a monthly basis.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li>To be accredited as an alternative dispute resolution agent, an applicant must:-<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a track record and a detailed plan for providing alternative dispute resolution services;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>propose a list of least five (5) highly qualified neutral persons from the public and private sectors that are experts in consumer law, credit law, commercial law, cultural, religious and personal rights who have agreed to serve as adjudicators;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show how it shall ensure that the listed adjudicators are trained concerning these Regulations;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>state whether it intends to make exclusive use of adjudicators who are citizens or residents of the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>indicate a familiarity with international and foreign jurisdictions accredited dispute resolution mechanisms and processes and indicate its plan to provide an international benchmark for a process that is unique to the Republic of South Africa;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a statement of any requested limitations on the number of disputes the alternative dispute resolution agent handles, either during a start-up period or on a permanent basis;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>have a description of how the alternative dispute resolution agent proposes to administer disputes including its interaction with the parties to the dispute, the National Credit Regulator and other approved providers;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>a description of how the alternative dispute resolution agent intends to publish decisions of adjudicators in disputes it administers and a commitment to provide the National Credit Regulator with copies of all decisions of adjudicators not published;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>show that both the alternative dispute resolution agent and its panel of adjudicators are representative of women, disabled and historically disadvantaged individuals where such representativeness is assessed in terms of the Codes of Good Practice for Broad Based Black Economic Empowerment, as such Codes may be amended from time to time.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Education<\\/strong>: The applicant or a person appointed to deal with disputes must meet the following requirements - \\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A minimum Grade 12 certificate or equivalent Level 4 qualification issued by the South African Qualifications Authority (SAQA);<\\/li>\\r\\n<li>A three year degree; and<\\/li>\\r\\n<li>Must be trained on the National Credit Act, Consumer Protection Act and on the basic principles of the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Alternative dispute resolution;<\\/li>\\r\\n<li>Financial management;<\\/li>\\r\\n<li>Business management;<\\/li>\\r\\n<li>Governance &amp; compliance;<\\/li>\\r\\n<li>Customer service.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>Experience and Competence: <\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>The nominated personnel and adjudicators must be experts in the following areas:<\\/li>\\r\\n<ul>\\r\\n<li>Consumer law;<\\/li>\\r\\n<li>Credit law;<\\/li>\\r\\n<li>Commercial law;<\\/li>\\r\\n<li>Cultural rights;<\\/li>\\r\\n<li>Religious rights; and<\\/li>\\r\\n<li>Personal rights.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>Must demonstrate the ability to:-<\\/li>\\r\\n<ul>\\r\\n<li>manage their own finances at the time of applying for registration;<\\/li>\\r\\n<li>provide mediation, conciliation or arbitration skills.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<ul>\\r\\n<li>A person who applies for registration as an alternative dispute resolution agent must not be engaged in:\\u2013<\\/li>\\r\\n<ul>\\r\\n<li>debt collection;<\\/li>\\r\\n<li>the operation of a credit bureau;<\\/li>\\r\\n<li>credit provision; or<\\/li>\\r\\n<li>the operations of a payment distribution agent.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<\\/ul>\\r\\n<ul>\\r\\n<li><strong>A natural person may not be registered as an alternative dispute resolution agent.<\\/strong><\\/li>\\r\\n<\\/ul>\\r\\n<p><strong>Documents and information required for the application for Registration as an alternative dispute resolution agent in terms of section 134A of the National Credit Act 34 of 2005, as amended:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Completed and signed application form (Form 47);<\\/li>\\r\\n<li>Companies and Intellectual Property Commission\\u00a0 ( CIPC ) registration document or other official registration document;<\\/li>\\r\\n<li>Copy of the company\\u2019s share certificate (if applicable);<\\/li>\\r\\n<li>Certified copies of ID\\/Passports of all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant;<\\/li>\\r\\n<li><a href=\\\"http:\\/\\/www.ncr.org.za\\/pdfs\\/registration\\/Resolution_specimen.doc\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\">Resolution<\\/a> (specimen attached);<\\/li>\\r\\n<li>A Police Clearance Certificates for all the members\\/directors\\/shareholders, adjudicators and nominated employee of the applicant, issued by the South African Police Services (SAPS) or other service providers listed in the annexure attached hereto marked Annexure \\u201c<strong>A<\\/strong>\\u201d;<\\/li>\\r\\n<li>Proof of payment of the registration fees:<\\/li>\\r\\n<ul>\\r\\n<li>Non-refundable application fee of R550.00;<\\/li>\\r\\n<li>Initial registration fee of R20\\u00a0000.00;<\\/li>\\r\\n<li>Branch fee of R250.00 per location or premises;<\\/li>\\r\\n<\\/ul>\\r\\n<li>A letter from the bank confirming the applicant\\u2019s banking details or a copy of a cancelled blank cheque<\\/li>\\r\\n<li>Auditor\\u2019s\\/accounting officer\\u2019s letter of appointment;<\\/li>\\r\\n<li>Copy of the tax clearance certificate issued by the South African Revenue Services;<\\/li>\\r\\n<li>A certified copy of the mediation, conciliation or arbitration certificate;<\\/li>\\r\\n<li>Copy of the applicant\\u2019s, nominated employee\\u2019s and adjudicator\\u2019s curriculum vitae (CV).<\\/li>\\r\\n<li>A certified copy of the applicant\\u2019s nominated employee\\u2019s and adjudicators\\u2019 highest qualification certificates.<\\/li>\\r\\n<\\/ul>\\r\\n<p><strong><em>For further information regarding the application process, please contact the Registrations Department at telephone number 011 554 2700 or email <a href=\\\"mailto:registrations@ncr.org.za\\\">registrations@ncr.org.za<\\/a><\\/em><\\/strong><\\/p>-->\",\"fulltext\":\"\",\"state\":1,\"catid\":\"24\",\"created\":\"2019-04-11 09:44:57\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 11:20:05\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 11:19:23\",\"publish_up\":\"2019-04-11 09:44:57\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":3,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"25\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(443,87,1,'','2020-09-12 13:50:05',915,3690,'c3de58130a8262175064f2056577063da4e5643e','{\"id\":87,\"asset_id\":225,\"title\":\"Media statement - Regulatory proposals on payroll deductions\",\"alias\":\"media-statement-regulatory-proposals-on-payroll-deductions\",\"introtext\":\"<p>The South African Payroll Association (SAPA) is conducting a survey on behalf of the National Treasury, South African Reserve Bank, Financial Sector Conduct Authority, National Credit Regulator, Department of Public Service and Administration, Department of Trade, Industry and Competition, and the Department of Employment and Labour to obtain insights into South Africa\\u2019s payroll deductions landscape. The survey results will assist to accelerate the process of finalising an informed, robust and comprehensive regulatory position on payroll deductions in South Africa.<\\/p>\\r\\n<p>This follows the publishing of a paper in March 2018 titled \\u2018Joint Consultation Paper: Regulatory proposals on payroll deductions\\u2019 and subsequent consultation process. The regulatory proposals explored in the consultation paper seek to achieve a safe and efficient payroll deduction system that works in the interests of employees.<\\/p>\\r\\n<p>To participate in the survey, please use the following link:\\u00a0<a href=\\\"https:\\/\\/www.tfaforms.com\\/4728106\\\">https:\\/\\/www.tfaforms.com\\/4728106<\\/a><\\/p>\\r\\n<p>\\u00a0An explanatory note regarding the survey can be found here:<\\/p>\\r\\n<p><a href=\\\"https:\\/\\/protect-za.mimecast.com\\/s\\/ZCeVCY6xlmH3XpyoT06dTE?domain=sapayroll.co.za\\\">http:\\/\\/www.sapayroll.co.za\\/Portals\\/2\\/Documents\\/Payroll-Survey-Explanatory-Note2020.pdf<\\/a><\\/p>\\r\\n<p><strong>Issued by: National Treasury, South African Reserve Bank, Financial Sector Conduct Authority,<\\/strong>\\u00a0<strong>National Credit Regulator, Department of Public Service and Administration, Department of Trade, Industry and Competition, and the Department of Employment and Labour<\\/strong><\\/p>\\r\\n<p><strong>\\u00a0<\\/strong><strong>Date:\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0<\\/strong>18 August 2020<strong>\\u00a0 \\u00a0\\u00a0<\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-09-12 13:50:05\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 13:50:05\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-12 13:50:05\",\"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),(444,87,1,'','2020-09-12 13:51:18',915,3709,'4faca60d47628525cdb1e6f42599f95c2d9e6961','{\"id\":87,\"asset_id\":\"225\",\"title\":\"Media statement - Regulatory proposals on payroll deductions\",\"alias\":\"media-statement-regulatory-proposals-on-payroll-deductions\",\"introtext\":\"<p>The South African Payroll Association (SAPA) is conducting a survey on behalf of the National Treasury, South African Reserve Bank, Financial Sector Conduct Authority, National Credit Regulator, Department of Public Service and Administration, Department of Trade, Industry and Competition, and the Department of Employment and Labour to obtain insights into South Africa\\u2019s payroll deductions landscape. The survey results will assist to accelerate the process of finalising an informed, robust and comprehensive regulatory position on payroll deductions in South Africa.<\\/p>\\r\\n<p>This follows the publishing of a paper in March 2018 titled \\u2018Joint Consultation Paper: Regulatory proposals on payroll deductions\\u2019 and subsequent consultation process. The regulatory proposals explored in the consultation paper seek to achieve a safe and efficient payroll deduction system that works in the interests of employees.<\\/p>\\r\\n<p>To participate in the survey, please use the following link:\\u00a0<a href=\\\"https:\\/\\/www.tfaforms.com\\/4728106\\\">https:\\/\\/www.tfaforms.com\\/4728106<\\/a><\\/p>\\r\\n<p>\\u00a0An explanatory note regarding the survey can be found here:<\\/p>\\r\\n<p><a href=\\\"https:\\/\\/protect-za.mimecast.com\\/s\\/ZCeVCY6xlmH3XpyoT06dTE?domain=sapayroll.co.za\\\">http:\\/\\/www.sapayroll.co.za\\/Portals\\/2\\/Documents\\/Payroll-Survey-Explanatory-Note2020.pdf<\\/a><\\/p>\\r\\n<p><strong>Issued by: National Treasury, South African Reserve Bank, Financial Sector Conduct Authority,<\\/strong>\\u00a0<strong>National Credit Regulator, Department of Public Service and Administration, Department of Trade, Industry and Competition, and the Department of Employment and Labour<\\/strong><\\/p>\\r\\n<p><strong>\\u00a0<\\/strong><strong>Date:\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0\\u00a0<\\/strong>18 August 2020<strong>\\u00a0 \\u00a0\\u00a0<\\/strong><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-08-18 13:50:05\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 13:51:18\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 13:50:05\",\"publish_up\":\"2020-08-18 13:50:05\",\"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),(445,88,1,'','2020-09-12 13:52:26',915,9364,'ffa2288ee9d03ec6571c2df64fe967533f2dd075','{\"id\":88,\"asset_id\":226,\"title\":\"Debt counselling provides hope for those in need\",\"alias\":\"debt-counselling-provides-hope-for-those-in-need\",\"introtext\":\"<p align=\\\"right\\\"><strong>August 2020<\\/strong><\\/p>\\r\\n<p>Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>In 2007, debt counselling was introduced in the National Credit Act (NCA) as a debt relief measure intended to assist over-indebted consumers struggling to repay their debts through the restructuring of their debts and making repayments manageable. Furthermore, the process of debt counselling leads to rehabilitation as it presents consumers with an opportunity to start afresh and build a clean credit record.<\\/p>\\r\\n<p><strong>What are some of the benefits of debt counselling?<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>It provides an opportunity to repay debts without borrowing more money or taking on extra debt.<\\/li>\\r\\n<li>If you apply before credit providers institute legal action to enforce the debt, you receive protection against such legal action and repossession of your assets.<\\/li>\\r\\n<li>If you continue making repayments whilst under debt counselling, you will still be protected from repossession of your assets until all your debts are paid up.<\\/li>\\r\\n<li>Essential\\/living expenses such as groceries, school fees and others are taken into account before a determination of how much is available to offer towards your debts.<\\/li>\\r\\n<li>A registered debt counsellor negotiates reduced repayments on behalf of the consumer, using the consumer\\u2019s existing income.<\\/li>\\r\\n<li>The restructuring of debts will be approved by a Magistrate Court or the National Consumer Tribunal and this provides assurance that the negotiated and restructured repayment terms are fixed for the duration that you are under debt counselling.<\\/li>\\r\\n<li>There is no limit in terms of the amount of debt that can be placed under debt counselling, as long as legal action is not taken, the consumer debt can be included under debt counselling.<\\/li>\\r\\n<li>There is no timeframe for a consumer to be under debt counselling as the term is dependent on the consumer\\u2019s financial circumstances such as debt, income, living expenses and others.<\\/li>\\r\\n<li>If all your short term debt is paid in full and the only remaining debt is a home loan, if this home loan is up to date in terms of the debt counselling re-arrangement agreement, you will be issued with a clearance certificate and all credit information of accounts which were under debt counselling will be expunged from your credit profile\\/record at the credit bureau. This means you can start afresh and tap into the credit market on a clean slate.<\\/li>\\r\\n<li>You have the option of making a single payment through the use of the Payment Distribution Agents (PDAs) registered with the NCR. PDAs have a mandate to collect and distribute debt counselling funds on behalf of consumers to credit providers. This option provides convenience for the consumer. \\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>Whilst it may be difficult for many to confront their financial hardship, consumers who are receiving income are encouraged to act immediately by considering debt counselling as a debt relief measure and to do so before their assets such as houses, cars and others are repossessed by credit providers, urges Legodi.<\\/p>\\r\\n<p><strong><em>Below are some of the things that consumer take further note of if considering debt counselling:<\\/em><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is often times referred to as debt review;<\\/li>\\r\\n<li>To apply for debt counselling, a consumer must have an income;<\\/li>\\r\\n<li>You cannot go under debt counselling if you are still under debt administration;<\\/li>\\r\\n<li>Once you apply for debt counselling, you will not get any further credit and your name will be flagged at the credit bureaus. This is not a listing, but an indicator that you have applied for debt counselling;<\\/li>\\r\\n<li>Debt counselling is offered by NCR registered debt counsellors and you can verify their registration status with the NCR by visiting the NCR\\u2019s website on\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>\\u00a0or calling on 0860 627\\u00a0627;<\\/li>\\r\\n<li>Debt counselling is not offered for free. The debt counselling related costs should be explained to consumers upfront by the debt counsellor and these fees \\u00a0can be confirmed on the NCR\\u2019s website (<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>) under guidelines;<\\/li>\\r\\n<li>Where a court order has been granted, consumers can only exit debt counselling upon receipt of a clearance certificate from their debt counsellor;<\\/li>\\r\\n<li>Use a debt counsellor that is close to where you live or work for easy access. This will enable you to physically visit the debt counsellor\\u2019s office should the need arise;<\\/li>\\r\\n<li>Consumers married in community of property, have to bring a joint debt counselling application and cannot apply individually;<\\/li>\\r\\n<li>The impact of making reduced payment will result in the extension of the initial repayment term.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Legodi stresses that consumers should ensure that they receive a comprehensive explanation from the debt counsellor and understand the debt counselling process before they sign and accept the application. Furthermore, they must have knowledge of who their debt counsellor is (i.e. name and NCR registration number), what the consequences of being under debt counselling is, how their debt is going to be restructured, the related costs, what their rights and obligations are under debt counselling so that they can be able to make informed decisions, stay informed to proactively address any concerns or anomalies they notice.<\\/p>\\r\\n<p>The NCR was established, amongst others to ensure compliance with the NCA, receive and investigate complaints. If consumers are unhappy with the service provided by debt counsellors, credit providers, credit bureaus or PDAs, they are invited to \\u00a0lodge a complaint with the NCR at\\u00a0<span id=\\\"cloak51729\\\"><a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/span>; concludes Legodi.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong>\\u00a0\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Ntombizodwa Mahlangu<br \\/> E-mail:\\u00a0<span id=\\\"cloak68269\\\"><a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a><\\/span><br \\/> Cell: 064\\u00a0752 3926<br \\/> Media Office:\\u00a0<span id=\\\"cloak90088\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><br \\/> Website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-09-12 13:52:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 13:52:26\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-08-26 15:52:18\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(446,88,1,'','2020-09-12 13:52:35',915,9383,'6d3e90be7da09ae9b3b59d4b976a58eba21926a1','{\"id\":88,\"asset_id\":\"226\",\"title\":\"Debt counselling provides hope for those in need\",\"alias\":\"debt-counselling-provides-hope-for-those-in-need\",\"introtext\":\"<p align=\\\"right\\\"><strong>August 2020<\\/strong><\\/p>\\r\\n<p>Although many sectors have been allowed to get back to work, many South African households are in significant financial hardship and others have been struggling to make ends meet even before the COVID-19 pandemic, says Adv. Kedilatile Legodi, Acting Manager: Education &amp; Communication at the National Credit Regulator (NCR).<\\/p>\\r\\n<p>In 2007, debt counselling was introduced in the National Credit Act (NCA) as a debt relief measure intended to assist over-indebted consumers struggling to repay their debts through the restructuring of their debts and making repayments manageable. Furthermore, the process of debt counselling leads to rehabilitation as it presents consumers with an opportunity to start afresh and build a clean credit record.<\\/p>\\r\\n<p><strong>What are some of the benefits of debt counselling?<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>It provides an opportunity to repay debts without borrowing more money or taking on extra debt.<\\/li>\\r\\n<li>If you apply before credit providers institute legal action to enforce the debt, you receive protection against such legal action and repossession of your assets.<\\/li>\\r\\n<li>If you continue making repayments whilst under debt counselling, you will still be protected from repossession of your assets until all your debts are paid up.<\\/li>\\r\\n<li>Essential\\/living expenses such as groceries, school fees and others are taken into account before a determination of how much is available to offer towards your debts.<\\/li>\\r\\n<li>A registered debt counsellor negotiates reduced repayments on behalf of the consumer, using the consumer\\u2019s existing income.<\\/li>\\r\\n<li>The restructuring of debts will be approved by a Magistrate Court or the National Consumer Tribunal and this provides assurance that the negotiated and restructured repayment terms are fixed for the duration that you are under debt counselling.<\\/li>\\r\\n<li>There is no limit in terms of the amount of debt that can be placed under debt counselling, as long as legal action is not taken, the consumer debt can be included under debt counselling.<\\/li>\\r\\n<li>There is no timeframe for a consumer to be under debt counselling as the term is dependent on the consumer\\u2019s financial circumstances such as debt, income, living expenses and others.<\\/li>\\r\\n<li>If all your short term debt is paid in full and the only remaining debt is a home loan, if this home loan is up to date in terms of the debt counselling re-arrangement agreement, you will be issued with a clearance certificate and all credit information of accounts which were under debt counselling will be expunged from your credit profile\\/record at the credit bureau. This means you can start afresh and tap into the credit market on a clean slate.<\\/li>\\r\\n<li>You have the option of making a single payment through the use of the Payment Distribution Agents (PDAs) registered with the NCR. PDAs have a mandate to collect and distribute debt counselling funds on behalf of consumers to credit providers. This option provides convenience for the consumer. \\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>Whilst it may be difficult for many to confront their financial hardship, consumers who are receiving income are encouraged to act immediately by considering debt counselling as a debt relief measure and to do so before their assets such as houses, cars and others are repossessed by credit providers, urges Legodi.<\\/p>\\r\\n<p><strong><em>Below are some of the things that consumer take further note of if considering debt counselling:<\\/em><\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Debt counselling is often times referred to as debt review;<\\/li>\\r\\n<li>To apply for debt counselling, a consumer must have an income;<\\/li>\\r\\n<li>You cannot go under debt counselling if you are still under debt administration;<\\/li>\\r\\n<li>Once you apply for debt counselling, you will not get any further credit and your name will be flagged at the credit bureaus. This is not a listing, but an indicator that you have applied for debt counselling;<\\/li>\\r\\n<li>Debt counselling is offered by NCR registered debt counsellors and you can verify their registration status with the NCR by visiting the NCR\\u2019s website on\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>\\u00a0or calling on 0860 627\\u00a0627;<\\/li>\\r\\n<li>Debt counselling is not offered for free. The debt counselling related costs should be explained to consumers upfront by the debt counsellor and these fees \\u00a0can be confirmed on the NCR\\u2019s website (<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a>) under guidelines;<\\/li>\\r\\n<li>Where a court order has been granted, consumers can only exit debt counselling upon receipt of a clearance certificate from their debt counsellor;<\\/li>\\r\\n<li>Use a debt counsellor that is close to where you live or work for easy access. This will enable you to physically visit the debt counsellor\\u2019s office should the need arise;<\\/li>\\r\\n<li>Consumers married in community of property, have to bring a joint debt counselling application and cannot apply individually;<\\/li>\\r\\n<li>The impact of making reduced payment will result in the extension of the initial repayment term.<\\/li>\\r\\n<\\/ul>\\r\\n<p>Legodi stresses that consumers should ensure that they receive a comprehensive explanation from the debt counsellor and understand the debt counselling process before they sign and accept the application. Furthermore, they must have knowledge of who their debt counsellor is (i.e. name and NCR registration number), what the consequences of being under debt counselling is, how their debt is going to be restructured, the related costs, what their rights and obligations are under debt counselling so that they can be able to make informed decisions, stay informed to proactively address any concerns or anomalies they notice.<\\/p>\\r\\n<p>The NCR was established, amongst others to ensure compliance with the NCA, receive and investigate complaints. If consumers are unhappy with the service provided by debt counsellors, credit providers, credit bureaus or PDAs, they are invited to \\u00a0lodge a complaint with the NCR at\\u00a0<span id=\\\"cloak51729\\\"><a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a><\\/span>; concludes Legodi.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>Ends<\\/strong>\\u00a0\\u00a0<\\/p>\\r\\n<hr \\/>\\r\\n<p><strong>About The National Credit Regulator<\\/strong><br \\/> The National Credit Regulator (NCR) was established in terms of the National Credit Act 34 of 2005 (NCA) and is responsible for the regulation of the South African credit industry. The NCR is mandated with the registration of Credit Providers, Credit Bureaus, Debt Counsellors, Payment Distribution Agents, and Alternative Dispute Resolution Agents; and monitoring their conduct in compliance with the National Credit Act as amended. The National Credit Regulator offers education and protection to consumers of credit in promotion of a South African credit market that is fair, transparent, accessible and dynamic.<\\/p>\\r\\n<p align=\\\"center\\\"><strong>For more information contact:<\\/strong><\\/p>\\r\\n<p align=\\\"center\\\">Ntombizodwa Mahlangu<br \\/> E-mail:\\u00a0<span id=\\\"cloak68269\\\"><a href=\\\"mailto:NMahlangu@ncr.org.za\\\">NMahlangu@ncr.org.za<\\/a><\\/span><br \\/> Cell: 064\\u00a0752 3926<br \\/> Media Office:\\u00a0<span id=\\\"cloak90088\\\"><a href=\\\"mailto:media@ncr.org.za\\\">media@ncr.org.za<\\/a><\\/span><br \\/> Website:\\u00a0<a href=\\\"http:\\/\\/www.ncr.org.za\\/\\\">www.ncr.org.za<\\/a><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"8\",\"created\":\"2020-08-26 13:52:26\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 13:52:35\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-12 13:52:26\",\"publish_up\":\"2020-08-26 15:52:18\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"0\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"0\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(451,89,1,'','2020-09-12 14:11:42',915,2480,'dcda4662f5fe401c927cfe3a6d372b8954bdf416','{\"id\":89,\"asset_id\":227,\"title\":\"Who can complain to us?\",\"alias\":\"who-can-complain-to-us\",\"introtext\":\"<p>Any ordinary consumer may lodge a complaint against any institution offering credit, against a debt counsellor and a credit bureau provided the NCR has jurisdiction. Only persons with a power of attorney may lodge complaints on behalf of another person.\\u00a0<\\/p>\\r\\n<p>Juristic (trust, companies etc) may lodge a complaint if the person making the complaint is authorised to do so and the annual turnover of the business or group of businesses is less than R1 000 000, or if the agreement in question is less than R 250 000.00\\u00a0<\\/p>\\r\\n<p>Consumers are encouraged to first lodge a complaint with the respective credit providers, debt counsellors or credit bureau before escalating to the NCR<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 14:11:42\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 14:11:42\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-12 14:11:42\",\"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),(452,90,1,'','2020-09-12 14:12:24',915,3097,'009a2c0a9da5d0ffe535d17cf63cdf4511bb3c63','{\"id\":90,\"asset_id\":228,\"title\":\"Complaints we can handle\",\"alias\":\"complaints-we-can-handle\",\"introtext\":\"<p><strong>The NCR can assist you if your complaint relates to:<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>a credit agreement and its contents e.g. interest, initiation fee etc<\\/li>\\r\\n<li>arose after the implementation of the NCA (1 June 2007);<\\/li>\\r\\n<li>a debt counsellors and credit providers;<\\/li>\\r\\n<li>the credit bureau, provided you have first lodged a dispute with the credit bureau,( who has 20 working days to investigate) and you are not satisfied with their decision;<\\/li>\\r\\n<li>over-deductions\\/ overcharging<\\/li>\\r\\n<li>refusal to issue statements;<\\/li>\\r\\n<li>disputed settlement amounts<\\/li>\\r\\n<li>refusal to cancel during the cooling off period which is 5 days;\\u00a0<\\/li>\\r\\n<li>reckless lending<\\/li>\\r\\n<li>non-adherence to section 127 &amp; 129, Taking legal action or repossessing without following the prescribed steps<\\/li>\\r\\n<li>PDA not distributing monies<\\/li>\\r\\n<li>Unprofessional conduct by the debt counsellor<\\/li>\\r\\n<li>Creditors taking legal action whilst under debt review<\\/li>\\r\\n<li>Accounts not restructured in accordance with the debt review court order.<\\/li>\\r\\n<li>Creditors terminating debt review<\\/li>\\r\\n<li>Creditors listing consumers while on debt review;<\\/li>\\r\\n<li>Debt counsellors not contactable<\\/li>\\r\\n<li>Overcharging by debt counsellors\\u00a0<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 14:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 14:12:24\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-12 14:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(453,91,1,'','2020-09-12 14:13:24',915,2675,'0fac0bcb1c2785827e5df0222d02d08374bc7184','{\"id\":91,\"asset_id\":229,\"title\":\"Complaints that fall outside the NCR\\u2019s mandate\",\"alias\":\"complaints-that-fall-outside-the-ncr-s-mandate\",\"introtext\":\"<p><strong>We cannot assist if your complaint involves:\\u00a0<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Service agreements, e.g. Vodacom, MTN, \\u00a0Levies, Municipal accounts, gym etc.<\\/li>\\r\\n<li>A matter that would more appropriately be dealt with by a court of law or another dispute resolution process;<\\/li>\\r\\n<li>A matter which is or has been or currently is the subject of litigation, subject to certain exceptions.<\\/li>\\r\\n<li>A matter relating to administration or Administrators;<\\/li>\\r\\n<li>Debts \\u00a0collected by debt collectors, these should first be addressed to the Council for Debt Collectors;\\u00a0<\\/li>\\r\\n<li>Complaints relating to damaged goods, these should be sent to the National Consumer Commission or Motor \\u00a0Vehicle Ombudsman for vehicles;\\u00a0<\\/li>\\r\\n<li>Debit orders going off on the wrong dates;\\u00a0<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 14:13:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 14:13:24\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-12 14:13:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":1,\"ordering\":null,\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":null,\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(458,92,1,'','2020-09-12 15:23:01',915,19311,'06ecdb9a1d8c5159981c3f941efa56d446bfca00','{\"id\":92,\"asset_id\":230,\"title\":\"Frequently asked questions \",\"alias\":\"frequently-asked-questions\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p align=\\\"center\\\"><strong>QUESTION<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p align=\\\"center\\\"><strong>ANSWER<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Who can lodge a complaint with the NCR<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Any person can lodge a complaint in which the consumer is a natural person and in certain instances, if the consumer is a juristic person (e.g. company, partnership)\\u201d<\\/p>\\r\\n<p>If you are a third party lodging a complaint on behalf of a consumer, you must obtain that consumer\\u2019s written consent.<\\/p>\\r\\n<p>The complaint form to initiate a complaint as well as the written consent form will be provided by the NCR or found on the Website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Are there limitations that apply to complaints<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If a period of 3 years or more has passed since the act or conduct that you wish to complain about, the NCR may be prevented from referring that conduct to the National Consumer Tribunal or a consumer court but may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<p>Secondly, if the person or entity that you wish to lodge a complaint against was previously referred to the National Consumer Tribunal for a complaint that is substantially similar to yours, the NCR may be limited from referring your complaint to the National Consumer Tribunal or a consumer court. The NCR may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Types of complaints the NCR assist with?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<ul type=\\\"disc\\\">\\r\\n<li>Cost of credit e.g. overcharging of interest, initiation fee, service fee, etc.<\\/li>\\r\\n<li>Complaint relating to the conduct of a debt counsellor or lack thereof;<\\/li>\\r\\n<li>Credit related dispute against any credit provider;<\\/li>\\r\\n<li>Complaints against credit bureaus, on condition that the issue was brought to the attention of the bureau prior to lodging a complaint with the NCR;<\\/li>\\r\\n<li>Failure and\\/or refusal to issue statements or other documents relating to an existing credit agreement;<\\/li>\\r\\n<li>Failure and\\/or refusal by a debt counsellor to issue a clearance certificate;<\\/li>\\r\\n<li>Refusal by a credit provider to cancel an agreement during the cooling off period which is 5 days;\\u00a0<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Non-adherence to section 127 &amp; 129 of the NCA by credit providers (taking legal action and repossessing assets without following the prescribed steps);<\\/li>\\r\\n<li>Non distribution of funds by a Payment Distribution Agency and\\/or debt counsellor;<\\/li>\\r\\n<li>Creditors taking legal action whilst the consumer is under debt review;<\\/li>\\r\\n<li>Creditor\\u2019s failure to restructure accounts in accordance with the debt review court order.<\\/li>\\r\\n<li>Unlawful termination of accounts by creditors;<\\/li>\\r\\n<li>Overcharging of fees by debt counsellors;<\\/li>\\r\\n<li>Debt counsellor\\u2019s failure to obtain a debt review court order;<\\/li>\\r\\n<li>In-duplum-non-adherence to section 103(5) of the Act;<\\/li>\\r\\n<li>Creditor collecting on a prescribed debt;<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Complaints that fall outside the NCR\\u2019s mandate:<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<ul type=\\\"disc\\\">\\r\\n<li>Service agreements, e.g. Vodacom, MTN, Levies, Municipal accounts, gym subscription fees etc.<\\/li>\\r\\n<li>A matter that would more appropriately be dealt with by a court of law or another dispute resolution process;<\\/li>\\r\\n<li>A matter which is or has been or currently is the subject of litigation, subject to certain exceptions.<\\/li>\\r\\n<li>A matter relating to administration or Administrators;<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is reckless lending?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Firstly, when a credit provider gives you credit without conducting an affordability assessment; that is considered reckless lending. During the affordability assessment, the credit provider must make sure that you understand the terms of credit, must consider your credit bureau record as well as your existing financial means prospects and your debt obligations must be considered.<\\/p>\\r\\n<p>Secondly, credit will be reckless if the credit provider does conduct an affordability assessment but continues to give you credit even if the affordability assessment shows that you are over-indebted, or that you will become over-indebted if the credit provider gives you credit.<\\/p>\\r\\n<p>If you suspect that you were granted credit recklessly you may approach the NCR to lodge a complaint against the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is prescribed debt and what prevents a debt from prescribing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Loosely speaking, prescribed debt is debt that has expired and which a credit provider may not collect from you. Most debt prescribes after 3 years from the date of your last payment, but be careful, a judgment debt and a debt secured by a mortgage bond expires after 30 years.<\\/p>\\r\\n<p>The following prevents a debt from prescribing:<\\/p>\\r\\n<ul>\\r\\n<li>an acknowledgment of debt by a debtor (for example, if a debtor pays part of his\\/her debt to the creditor before prescription, or agrees (expressly or by implication) before the debt expires that he or she knows about the debt and that he or she owes that debt; or<\\/li>\\r\\n<li>a summons served by the credit provider on the debtor in order to claim payment of the debt.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is credit life insurance<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>Credit life insurance is a sub-category of 3 other types of credit insurance. A credit provider may require you to take credit life insurance to cover your obligations to the credit provider in the event of your death, permanent or temporary disability, or in the event that you become unemployed or unable to earn an income.<\\/p>\\r\\n<p>The NCA prescribes the maximum cost of credit life insurance a credit provider may charge.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Can I refuse to take up credit life insurance and can I choose my own insurer<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The credit provider may require you to take up credit life insurance as a condition for giving you credit. So if you do not want to take up the credit life insurance, the credit provider may also refuse to grant you credit.<\\/p>\\r\\n<p>You may however choose to take up your own credit life insurance and not the one offered by the credit provider, as long as it covers the minimum benefits such as death or permanent disability and unemployment or inability to earn income. The credit provider must inform you that you have the right to choose your own insurance provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What are the charges that a credit provider can charge me for borrowing money?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>When the credit provider gives you credit, the credit provider can charge you interest, a service fee, an initiation fee, credit insurance, default administration charges and collection costs (for defaulting on your credit agreement).<\\/p>\\r\\n<p>The National Credit Act sets limits for all these costs. So if you suspect that you may have been charged more than the limit prescribed by the National Credit Act, you may lodge a complaint with the NCR.<\\/p>\\r\\n<p>There are other costs that a credit provider can charge you in addition to the above when you have an instalment sale agreement such as vehicle finance or for a mortgage bond. These are costs of an extended warranty agreement; delivery, installation and initial fuelling charges; connection fees, levies or charges; taxes, licence or registration fees.<\\/p>\\r\\n<p>The above costs are referred to as the cost of credit in the National Credit Act.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is in duplum<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>In duplum loosely refers to a rule in terms of the National Credit Act that limits how much a credit provider can charge you while you are in default. According to this rule, if you default on your debt repayment obligations, the cost of credit cannot be more than the amount of the unpaid principal debt at the time that you defaulted for as long as you remain in default.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is set-off<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Set-off happens where you have a debt obligation with a credit provider such as a personal and you also have asset or a savings account for example held by the credit provider. If the credit provider takes funds from your savings account to pay into your overdue personal loan account without your consent - that is a set-off.<\\/p>\\r\\n<p>Set-off is not allowed unless your consent has been obtained by the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Why are my outstanding balancing increasing or not decreasing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Defaulting on your payments may lead to an increasing outstanding balance because when you don\\u2019t pay your account or you make short payments on your account, the credit provider may charge default interest and continues to charge contractual interest and other charges. If there is no instalment going into your account or the instalment is lower than the agreed amount, this interest and charges will accumulate thus increasing your outstanding balance.<\\/p>\\r\\n<p>Generally, during the early stages of your credit agreement or debt review, a large portion of your instalments goes towards paying off your interest and other charges therefore your outstanding balance may decrease very slowly initially.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is the difference between repossession and voluntary surrender<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Repossession can happen when you have been in default of your debt repayment obligations for more than 20 business days and you do not respond to the notice from your credit provider to make a payment arrangement to bring up your arrears or refer the dispute to a debt counsellor, alternative dispute resolution or an ombud. The credit provider can then issue a summons and ask the court to grant the credit provider an order and a warrant which a sheriff can use to repossess the goods.<\\/p>\\r\\n<p>Voluntary surrender is when you voluntarily give up the asset especially where you feel that you can no longer afford to keep up with your payments. When you voluntarily surrender the goods, the credit provider must value those goods and provide you with the sale value of the goods. If you do not agree with that sale value, you can withdraw surrender of the goods. If you do not withdraw, the goods will be sold, as in the case of a repossession, and the proceeds (minus the credit provider\\u2019s reasonable expenses in selling the goods) will be debited to your account and you will be liable for the shortfall.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for a loan and was told that my application is declined because I\\u2019m under debt review. I do not know who listed me, what do I do?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may call the NCR, provide your ID number and we can check the details of your debt counsellor. You may also lodge a complaint against the debt counsellor if you believe you were placed under debt review without your consent.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>How do I know that the credit provider that I want to deal with is legit?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may check the registration details of a credit provider by searching for it on our website under \\u201ccredit providers\\u201d or you may call 0860 627\\u00a0627 to enquire. Avoid dealing with credit providers who charge upfront payment for a credit application. Report such credit providers to the NCR.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>There is a listing I do not agree with on my credit bureau report and I am blacklisted.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you do not agree with the information listed on your credit report, you may contact the credit bureau and lodge a dispute. The credit bureau will give you a reference number.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for debt review a few months ago but I realize that I do not want to continue with it anymore. I called the debt counsellor and told them to cancel me but they are unwilling to.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The National Credit Act does not make provision to cancel debt review. If you have been assessed and found to be over-indebted, you have to pay and settle all your debts in full before your debt counsellor can issue a certificate clearing your debt review.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I\\u2019m not satisfied with the services offered by my debt counsellor. He never responds to my email or calls. I want to cancel this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you are not satisfied with your debt counsellor\\u2019s service, you can transfer to another registered debt counselor of your choice.\\u00a0 A list of registered debt counsellors can be found on our website under \\u201cDebt Counsellor\\u201d.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have received a 17.W from my debt counsellor but I still can\\u2019t get credit, I\\u2019m told I am under debt review.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The 17.W only means that the debt counsellor has suspended his or her service. That does not mean you have been removed from debt review. You will remain under debt review until you have settled all the debts.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I joined debt review 3 years ago and my credit providers recently informed me that they are not receiving payments, how do I resolve this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may lodge an official complaint with our office. Send a detailed enquiry to <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a>. You may also access the complaint initiation form on our website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have been out of a job ever since the country went into lockdown. I do not have an income and my creditors are not offering any assistance.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Some credit providers have provided relief to their consumers\\/customers in line with the internal measures they have put in place. You may formally inform your creditor of your current state, however, kindly note that the relief they officer is solely at their discretion.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I want to apply for credit life insurance but I\\u2019m not sure how to go about it. I\\u2019m not receiving a salary because of the current pandemic.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may refer to your credit agreement to see if it covers this period. If you do not have it in your possession, you may request one from the credit provider or submit an application by obtaining the application forms from the credit provider.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I was financed by NSFAS more than 3 years ago. I\\u2019m unemployed and they never contacted me for payment. I was only contacted this year and I told them that the debt has prescribed but they are disputing this. Please assist.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Before a debt can prescribe it must first become due. If the credit provider is not aware that the debt is due because of something in the credit agreement making it the responsibility of the debtor to inform the credit provider that the debt is now due, prescription will not begin to run. If for example your NSFAS contract states that you must start paying back the debt when you start earning R20\\u00a0000.00 and NSFAS is not aware that you have been earning R20\\u00a0000.00, the debt has not prescribed.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 15:23:01\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-12 15:23:01\",\"modified_by\":null,\"checked_out\":null,\"checked_out_time\":null,\"publish_up\":\"2020-09-12 15:23:01\",\"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),(465,89,1,'','2020-09-14 15:08:28',915,3123,'c7dd475f52a795e1905101683fb5434eeee1387e','{\"id\":89,\"asset_id\":\"227\",\"title\":\"Who can complain to us?\",\"alias\":\"who-can-complain-to-us\",\"introtext\":\"<p>Any person can lodge a complaint in which the consumer is a natural person and in certain instances, if the consumer is a juristic person (e.g. company, partnership) or a trust with the necessary authority. Complaints may include complaints against any institution offering credit, against a debt counsellor, a PDA or a credit bureau provided the NCR has jurisdiction. Only persons with a written consent may lodge a complaint on behalf of another person. Consumers are encouraged to first lodge a dispute with the relevant credit providers, debt counsellors or credit bureaus before referring the matter to the NCR. <!--Any ordinary consumer may lodge a complaint against any institution offering credit, against a debt counsellor and a credit bureau provided the NCR has jurisdiction. Only persons with a power of attorney may lodge complaints on behalf of another person.\\u00a0<\\/p>\\r\\n<p>Juristic (trust, companies etc) may lodge a complaint if the person making the complaint is authorised to do so and the annual turnover of the business or group of businesses is less than R1 000 000, or if the agreement in question is less than R 250 000.00\\u00a0<\\/p>\\r\\n<p>Consumers are encouraged to first lodge a complaint with the respective credit providers, debt counsellors or credit bureau before escalating to the NCR--><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 14:11:42\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-14 15:08:28\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-14 15:07:04\",\"publish_up\":\"2020-09-12 14:11:42\",\"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\":2,\"ordering\":\"3\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(466,92,1,'','2020-09-14 15:15:15',915,19310,'485285e20f0db1392116202cbd2d2b6c38eb2d4b','{\"id\":92,\"asset_id\":\"230\",\"title\":\"Frequently asked questions \",\"alias\":\"frequently-asked-questions\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p align=\\\"center\\\"><strong>QUESTION<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p align=\\\"center\\\"><strong>ANSWER<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Who can lodge a complaint with the NCR<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Any person can lodge a complaint in which the consumer is a natural person and in certain instances, if the consumer is a juristic person (e.g. company, partnership)\\u201d<\\/p>\\r\\n<p>If you are a third party lodging a complaint on behalf of a consumer, you must obtain that consumer\\u2019s written consent.<\\/p>\\r\\n<p>The complaint form to initiate a complaint as well as the written consent form will be provided by the NCR or found on the Website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Are there limitations that apply to complaints<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If a period of 3 years or more has passed since the act or conduct that you wish to complain about, the NCR may be prevented from referring that conduct to the National Consumer Tribunal or a consumer court but may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<p>Secondly, if the person or entity that you wish to lodge a complaint against was previously referred to the National Consumer Tribunal for a complaint that is substantially similar to yours, the NCR may be limited from referring your complaint to the National Consumer Tribunal or a consumer court. The NCR may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Types of complaints the NCR assist with?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<ul type=\\\"disc\\\">\\r\\n<li>Cost of credit e.g. overcharging of interest, initiation fee, service fee, etc.<\\/li>\\r\\n<li>Complaint relating to the conduct of a debt counsellor or lack thereof<\\/li>\\r\\n<li>Credit related dispute against any credit provider<\\/li>\\r\\n<li>Complaints against credit bureaus, on condition that the issue was brought to the attention of the bureau prior to lodging a complaint with the NCR<\\/li>\\r\\n<li>Failure and\\/or refusal to issue statements or other documents relating to an existing credit agreement<\\/li>\\r\\n<li>Failure and\\/or refusal by a debt counsellor to issue a clearance certificate<\\/li>\\r\\n<li>Refusal by a credit provider to cancel an agreement during the cooling off period which is 5 days\\u00a0<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Non-adherence to section 127 &amp; 129 of the NCA by credit providers (taking legal action and repossessing assets without following the prescribed steps)<\\/li>\\r\\n<li>Non distribution of funds by a Payment Distribution Agency and\\/or debt counsellor<\\/li>\\r\\n<li>Creditors taking legal action whilst the consumer is under debt review<\\/li>\\r\\n<li>Creditor\\u2019s failure to restructure accounts in accordance with the debt review court order.<\\/li>\\r\\n<li>Unlawful termination of accounts by creditors<\\/li>\\r\\n<li>Overcharging of fees by debt counsellors<\\/li>\\r\\n<li>Debt counsellor\\u2019s failure to obtain a debt review court order<\\/li>\\r\\n<li>In-duplum-non-adherence to section 103(5) of the Act<\\/li>\\r\\n<li>Creditor collecting on a prescribed debt<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Complaints that fall outside the NCR\\u2019s mandate:<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<ul type=\\\"disc\\\">\\r\\n<li>Service agreements, e.g. Vodacom, MTN, Levies, Municipal accounts, gym subscription fees etc.<\\/li>\\r\\n<li>A matter that would more appropriately be dealt with by a court of law or another dispute resolution process<\\/li>\\r\\n<li>A matter which is or has been or currently is the subject of litigation, subject to certain exceptions.<\\/li>\\r\\n<li>A matter relating to administration or Administrators<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is reckless lending?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Firstly, when a credit provider gives you credit without conducting an affordability assessment that is considered reckless lending. During the affordability assessment, the credit provider must make sure that you understand the terms of credit, must consider your credit bureau record as well as your existing financial means prospects and your debt obligations must be considered.<\\/p>\\r\\n<p>Secondly, credit will be reckless if the credit provider does conduct an affordability assessment but continues to give you credit even if the affordability assessment shows that you are over-indebted, or that you will become over-indebted if the credit provider gives you credit.<\\/p>\\r\\n<p>If you suspect that you were granted credit recklessly you may approach the NCR to lodge a complaint against the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is prescribed debt and what prevents a debt from prescribing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Loosely speaking, prescribed debt is debt that has expired and which a credit provider may not collect from you. Most debt prescribes after 3 years from the date of your last payment, but be careful, a judgment debt and a debt secured by a mortgage bond expires after 30 years.<\\/p>\\r\\n<p>The following prevents a debt from prescribing:<\\/p>\\r\\n<ul>\\r\\n<li>an acknowledgment of debt by a debtor (for example, if a debtor pays part of his\\/her debt to the creditor before prescription, or agrees (expressly or by implication) before the debt expires that he or she knows about the debt and that he or she owes that debt or<\\/li>\\r\\n<li>a summons served by the credit provider on the debtor in order to claim payment of the debt.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is credit life insurance<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>Credit life insurance is a sub-category of 3 other types of credit insurance. A credit provider may require you to take credit life insurance to cover your obligations to the credit provider in the event of your death, permanent or temporary disability, or in the event that you become unemployed or unable to earn an income.<\\/p>\\r\\n<p>The NCA prescribes the maximum cost of credit life insurance a credit provider may charge.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Can I refuse to take up credit life insurance and can I choose my own insurer<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The credit provider may require you to take up credit life insurance as a condition for giving you credit. So if you do not want to take up the credit life insurance, the credit provider may also refuse to grant you credit.<\\/p>\\r\\n<p>You may however choose to take up your own credit life insurance and not the one offered by the credit provider, as long as it covers the minimum benefits such as death or permanent disability and unemployment or inability to earn income. The credit provider must inform you that you have the right to choose your own insurance provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What are the charges that a credit provider can charge me for borrowing money?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>When the credit provider gives you credit, the credit provider can charge you interest, a service fee, an initiation fee, credit insurance, default administration charges and collection costs (for defaulting on your credit agreement).<\\/p>\\r\\n<p>The National Credit Act sets limits for all these costs. So if you suspect that you may have been charged more than the limit prescribed by the National Credit Act, you may lodge a complaint with the NCR.<\\/p>\\r\\n<p>There are other costs that a credit provider can charge you in addition to the above when you have an instalment sale agreement such as vehicle finance or for a mortgage bond. These are costs of an extended warranty agreement delivery, installation and initial fuelling charges connection fees, levies or charges taxes, licence or registration fees.<\\/p>\\r\\n<p>The above costs are referred to as the cost of credit in the National Credit Act.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is in duplum<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>In duplum loosely refers to a rule in terms of the National Credit Act that limits how much a credit provider can charge you while you are in default. According to this rule, if you default on your debt repayment obligations, the cost of credit cannot be more than the amount of the unpaid principal debt at the time that you defaulted for as long as you remain in default.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is set-off<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Set-off happens where you have a debt obligation with a credit provider such as a personal and you also have asset or a savings account for example held by the credit provider. If the credit provider takes funds from your savings account to pay into your overdue personal loan account without your consent - that is a set-off.<\\/p>\\r\\n<p>Set-off is not allowed unless your consent has been obtained by the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Why are my outstanding balancing increasing or not decreasing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Defaulting on your payments may lead to an increasing outstanding balance because when you don\\u2019t pay your account or you make short payments on your account, the credit provider may charge default interest and continues to charge contractual interest and other charges. If there is no instalment going into your account or the instalment is lower than the agreed amount, this interest and charges will accumulate thus increasing your outstanding balance.<\\/p>\\r\\n<p>Generally, during the early stages of your credit agreement or debt review, a large portion of your instalments goes towards paying off your interest and other charges therefore your outstanding balance may decrease very slowly initially.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is the difference between repossession and voluntary surrender<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Repossession can happen when you have been in default of your debt repayment obligations for more than 20 business days and you do not respond to the notice from your credit provider to make a payment arrangement to bring up your arrears or refer the dispute to a debt counsellor, alternative dispute resolution or an ombud. The credit provider can then issue a summons and ask the court to grant the credit provider an order and a warrant which a sheriff can use to repossess the goods.<\\/p>\\r\\n<p>Voluntary surrender is when you voluntarily give up the asset especially where you feel that you can no longer afford to keep up with your payments. When you voluntarily surrender the goods, the credit provider must value those goods and provide you with the sale value of the goods. If you do not agree with that sale value, you can withdraw surrender of the goods. If you do not withdraw, the goods will be sold, as in the case of a repossession, and the proceeds (minus the credit provider\\u2019s reasonable expenses in selling the goods) will be debited to your account and you will be liable for the shortfall.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for a loan and was told that my application is declined because I\\u2019m under debt review. I do not know who listed me, what do I do?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may call the NCR, provide your ID number and we can check the details of your debt counsellor. You may also lodge a complaint against the debt counsellor if you believe you were placed under debt review without your consent.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>How do I know that the credit provider that I want to deal with is legit?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may check the registration details of a credit provider by searching for it on our website under \\u201ccredit providers\\u201d or you may call 0860 627\\u00a0627 to enquire. Avoid dealing with credit providers who charge upfront payment for a credit application. Report such credit providers to the NCR.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>There is a listing I do not agree with on my credit bureau report and I am blacklisted.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you do not agree with the information listed on your credit report, you may contact the credit bureau and lodge a dispute. The credit bureau will give you a reference number.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for debt review a few months ago but I realize that I do not want to continue with it anymore. I called the debt counsellor and told them to cancel me but they are unwilling to.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The National Credit Act does not make provision to cancel debt review. If you have been assessed and found to be over-indebted, you have to pay and settle all your debts in full before your debt counsellor can issue a certificate clearing your debt review.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I\\u2019m not satisfied with the services offered by my debt counsellor. He never responds to my email or calls. I want to cancel this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you are not satisfied with your debt counsellor\\u2019s service, you can transfer to another registered debt counselor of your choice.\\u00a0 A list of registered debt counsellors can be found on our website under \\u201cDebt Counsellor\\u201d.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have received a 17.W from my debt counsellor but I still can\\u2019t get credit, I\\u2019m told I am under debt review.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The 17.W only means that the debt counsellor has suspended his or her service. That does not mean you have been removed from debt review. You will remain under debt review until you have settled all the debts.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I joined debt review 3 years ago and my credit providers recently informed me that they are not receiving payments, how do I resolve this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may lodge an official complaint with our office. Send a detailed enquiry to <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a>. You may also access the complaint initiation form on our website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have been out of a job ever since the country went into lockdown. I do not have an income and my creditors are not offering any assistance.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Some credit providers have provided relief to their consumers\\/customers in line with the internal measures they have put in place. You may formally inform your creditor of your current state, however, kindly note that the relief they officer is solely at their discretion.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I want to apply for credit life insurance but I\\u2019m not sure how to go about it. I\\u2019m not receiving a salary because of the current pandemic.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may refer to your credit agreement to see if it covers this period. If you do not have it in your possession, you may request one from the credit provider or submit an application by obtaining the application forms from the credit provider.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I was financed by NSFAS more than 3 years ago. I\\u2019m unemployed and they never contacted me for payment. I was only contacted this year and I told them that the debt has prescribed but they are disputing this. Please assist.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Before a debt can prescribe it must first become due. If the credit provider is not aware that the debt is due because of something in the credit agreement making it the responsibility of the debtor to inform the credit provider that the debt is now due, prescription will not begin to run. If for example your NSFAS contract states that you must start paying back the debt when you start earning R20\\u00a0000.00 and NSFAS is not aware that you have been earning R20\\u00a0000.00, the debt has not prescribed.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 15:23:01\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-14 15:15:15\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-14 15:10:29\",\"publish_up\":\"2020-09-12 15:23:01\",\"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\":\"21\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(467,91,1,'','2020-09-14 15:19:40',915,2565,'680f20dcd5c9a3b8547b63d8e9120accb7858116','{\"id\":91,\"asset_id\":\"229\",\"title\":\"Complaints that fall outside the NCR\\u2019s mandate\",\"alias\":\"complaints-that-fall-outside-the-ncr-s-mandate\",\"introtext\":\"<p><strong>We cannot assist if your complaint involves:\\u00a0<\\/strong><\\/p>\\r\\n<ul>\\r\\n<li>Service agreements, e.g. Vodacom, MTN, \\u00a0Levies, Municipal accounts, gym etc.<\\/li>\\r\\n<li>A matter that would more appropriately be dealt with by a court of law or another dispute resolution process.<\\/li>\\r\\n<li>A matter which is or has been or currently is the subject of litigation, subject to certain exceptions.<\\/li>\\r\\n<li>A matter relating to administration or Administrators.<\\/li>\\r\\n<li>Complaints relating to damaged goods, these should be sent to the National Consumer Commission or Motor \\u00a0Vehicle Ombudsman for vehicles.\\u00a0<\\/li>\\r\\n<li>Debit orders going off on the wrong dates.\\u00a0<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 14:13:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-14 15:19:40\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-14 15:17:55\",\"publish_up\":\"2020-09-12 14:13:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"5\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(472,19,1,'','2020-09-15 06:51:27',915,4836,'7d72857a1f757b1a671969095c154111944ba5a9','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Mandate of the Complaints Department\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<p>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/p>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department5[2].pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following manner: or by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 627627<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-15 06:51:27\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-15 06:50:08\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":34,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"230\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(474,37,1,'','2020-09-15 07:26:20',915,2910,'a9679539e34e1a95d5c0c58d2f9e7d383ea57ce5','{\"id\":37,\"asset_id\":\"142\",\"title\":\"Consumer Tips\",\"alias\":\"consumer-tips\",\"introtext\":\"<p><a href=\\\"documents\\/complaints_processs.pdf\\\"><img src=\\\"images\\/complaint_process.png\\\" alt=\\\"\\\" width=\\\"700\\\" \\/><\\/a><\\/p>\\r\\n<p><br \\/><br \\/><\\/p>\\r\\n<p><a style=\\\"line-height: 15.8079996109009px;\\\" href=\\\"newsletters\\/01\\/MAMA%20SIZA.pdf\\\" target=\\\"_blank\\\" rel=\\\"noopener noreferrer\\\"><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/MAMA-SIZA_002.jpg\\\" alt=\\\"\\\" width=\\\"524\\\" height=\\\"741\\\" \\/><\\/a><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"&lt;img src=\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/>\\\" alt=\\\"\\\" \\/&gt;<\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-3.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-4.jpg\\\" alt=\\\"\\\" \\/><\\/p>\\r\\n<p><img style=\\\"display: block; margin-left: auto; margin-right: auto;\\\" src=\\\"images\\/A4-ads-5.jpg\\\" alt=\\\"\\\" \\/><\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"15\",\"created\":\"2019-04-04 13:47:36\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-15 07:26:20\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-15 07:24:06\",\"publish_up\":\"2019-04-04 13:47:36\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"49\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(475,23,1,'','2020-09-15 07:34:12',915,2932,'7cc820bf4204306b7e3c382d1cb62ed701d4d494','{\"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\":\"2020-09-15 07:34:12\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-15 07:33:37\",\"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\":2,\"ordering\":\"5\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"38\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(476,26,1,'','2020-09-15 08:08:17',915,11584,'805df3b3afa2cddcd4f7c3fc39ca58b16759efbf','{\"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 style=\\\"line-height: 15.8079996109009px;\\\">\\u00a0<\\/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 class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"994\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\r\\n<td>Reception<\\/td>\\r\\n<td>: 011 554 2700\\u00a0\\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 class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"494\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\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 class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"589\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\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 class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"733\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\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 class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"559\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\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 class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"526\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\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 class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"544\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\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 class=\\\"table table-bordered table-striped\\\" style=\\\"height: 128px;\\\" width=\\\"539\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\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 class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"542\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\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 class=\\\"table table-bordered table-striped\\\" style=\\\"height: 107px;\\\" width=\\\"555\\\">\\r\\n<tbody>\\r\\n<tr class=\\\"success\\\">\\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\":\"2020-09-15 08:08:17\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-15 08:07:59\",\"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\":10,\"ordering\":\"1\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"65\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(479,92,1,'','2020-09-23 11:00:33',915,19304,'0e7c81e973b8e3b4ddedab268dcb082ab2a95b43','{\"id\":92,\"asset_id\":\"230\",\"title\":\"Frequently asked questions \",\"alias\":\"frequently-asked-questions\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p align=\\\"center\\\"><strong>QUESTION<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p align=\\\"center\\\"><strong>ANSWER<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Who can lodge a complaint with the NCR<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Any person can lodge a complaint in which the consumer is a natural person and in certain instances, if the consumer is a juristic person (e.g. company, partnership)<\\/p>\\r\\n<p>If you are a third party lodging a complaint on behalf of a consumer, you must obtain that consumer\\u2019s written consent.<\\/p>\\r\\n<p>The complaint form to initiate a complaint as well as the written consent form will be provided by the NCR or found on the Website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Are there limitations that apply to complaints<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If a period of 3 years or more has passed since the act or conduct that you wish to complain about, the NCR may be prevented from referring that conduct to the National Consumer Tribunal or a consumer court but may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<p>Secondly, if the person or entity that you wish to lodge a complaint against was previously referred to the National Consumer Tribunal for a complaint that is substantially similar to yours, the NCR may be limited from referring your complaint to the National Consumer Tribunal or a consumer court. The NCR may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Types of complaints the NCR assist with?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<ul type=\\\"disc\\\">\\r\\n<li>Cost of credit e.g. overcharging of interest, initiation fee, service fee, etc.<\\/li>\\r\\n<li>Complaint relating to the conduct of a debt counsellor or lack thereof<\\/li>\\r\\n<li>Credit related dispute against any credit provider<\\/li>\\r\\n<li>Complaints against credit bureaus, on condition that the issue was brought to the attention of the bureau prior to lodging a complaint with the NCR<\\/li>\\r\\n<li>Failure and\\/or refusal to issue statements or other documents relating to an existing credit agreement<\\/li>\\r\\n<li>Failure and\\/or refusal by a debt counsellor to issue a clearance certificate<\\/li>\\r\\n<li>Refusal by a credit provider to cancel an agreement during the cooling off period which is 5 days\\u00a0<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Non-adherence to section 127 &amp; 129 of the NCA by credit providers (taking legal action and repossessing assets without following the prescribed steps)<\\/li>\\r\\n<li>Non distribution of funds by a Payment Distribution Agency and\\/or debt counsellor<\\/li>\\r\\n<li>Creditors taking legal action whilst the consumer is under debt review<\\/li>\\r\\n<li>Creditor\\u2019s failure to restructure accounts in accordance with the debt review court order.<\\/li>\\r\\n<li>Unlawful termination of accounts by creditors<\\/li>\\r\\n<li>Overcharging of fees by debt counsellors<\\/li>\\r\\n<li>Debt counsellor\\u2019s failure to obtain a debt review court order<\\/li>\\r\\n<li>In-duplum-non-adherence to section 103(5) of the Act<\\/li>\\r\\n<li>Creditor collecting on a prescribed debt<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Complaints that fall outside the NCR\\u2019s mandate:<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<ul type=\\\"disc\\\">\\r\\n<li>Service agreements, e.g. Vodacom, MTN, Levies, Municipal accounts, gym subscription fees etc.<\\/li>\\r\\n<li>A matter that would more appropriately be dealt with by a court of law or another dispute resolution process<\\/li>\\r\\n<li>A matter which is or has been or currently is the subject of litigation, subject to certain exceptions.<\\/li>\\r\\n<li>A matter relating to administration or Administrators<\\/li>\\r\\n<\\/ul>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is reckless lending?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Firstly, when a credit provider gives you credit without conducting an affordability assessment that is considered reckless lending. During the affordability assessment, the credit provider must make sure that you understand the terms of credit, must consider your credit bureau record as well as your existing financial means prospects and your debt obligations must be considered.<\\/p>\\r\\n<p>Secondly, credit will be reckless if the credit provider does conduct an affordability assessment but continues to give you credit even if the affordability assessment shows that you are over-indebted, or that you will become over-indebted if the credit provider gives you credit.<\\/p>\\r\\n<p>If you suspect that you were granted credit recklessly you may approach the NCR to lodge a complaint against the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is prescribed debt and what prevents a debt from prescribing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Loosely speaking, prescribed debt is debt that has expired and which a credit provider may not collect from you. Most debt prescribes after 3 years from the date of your last payment, but be careful, a judgment debt and a debt secured by a mortgage bond expires after 30 years.<\\/p>\\r\\n<p>The following prevents a debt from prescribing:<\\/p>\\r\\n<ul>\\r\\n<li>an acknowledgment of debt by a debtor (for example, if a debtor pays part of his\\/her debt to the creditor before prescription, or agrees (expressly or by implication) before the debt expires that he or she knows about the debt and that he or she owes that debt or<\\/li>\\r\\n<li>a summons served by the credit provider on the debtor in order to claim payment of the debt.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is credit life insurance<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>Credit life insurance is a sub-category of 3 other types of credit insurance. A credit provider may require you to take credit life insurance to cover your obligations to the credit provider in the event of your death, permanent or temporary disability, or in the event that you become unemployed or unable to earn an income.<\\/p>\\r\\n<p>The NCA prescribes the maximum cost of credit life insurance a credit provider may charge.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Can I refuse to take up credit life insurance and can I choose my own insurer<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The credit provider may require you to take up credit life insurance as a condition for giving you credit. So if you do not want to take up the credit life insurance, the credit provider may also refuse to grant you credit.<\\/p>\\r\\n<p>You may however choose to take up your own credit life insurance and not the one offered by the credit provider, as long as it covers the minimum benefits such as death or permanent disability and unemployment or inability to earn income. The credit provider must inform you that you have the right to choose your own insurance provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What are the charges that a credit provider can charge me for borrowing money?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>When the credit provider gives you credit, the credit provider can charge you interest, a service fee, an initiation fee, credit insurance, default administration charges and collection costs (for defaulting on your credit agreement).<\\/p>\\r\\n<p>The National Credit Act sets limits for all these costs. So if you suspect that you may have been charged more than the limit prescribed by the National Credit Act, you may lodge a complaint with the NCR.<\\/p>\\r\\n<p>There are other costs that a credit provider can charge you in addition to the above when you have an instalment sale agreement such as vehicle finance or for a mortgage bond. These are costs of an extended warranty agreement delivery, installation and initial fuelling charges connection fees, levies or charges taxes, licence or registration fees.<\\/p>\\r\\n<p>The above costs are referred to as the cost of credit in the National Credit Act.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is in duplum<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>In duplum loosely refers to a rule in terms of the National Credit Act that limits how much a credit provider can charge you while you are in default. According to this rule, if you default on your debt repayment obligations, the cost of credit cannot be more than the amount of the unpaid principal debt at the time that you defaulted for as long as you remain in default.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is set-off<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Set-off happens where you have a debt obligation with a credit provider such as a personal and you also have asset or a savings account for example held by the credit provider. If the credit provider takes funds from your savings account to pay into your overdue personal loan account without your consent - that is a set-off.<\\/p>\\r\\n<p>Set-off is not allowed unless your consent has been obtained by the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Why are my outstanding balancing increasing or not decreasing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Defaulting on your payments may lead to an increasing outstanding balance because when you don\\u2019t pay your account or you make short payments on your account, the credit provider may charge default interest and continues to charge contractual interest and other charges. If there is no instalment going into your account or the instalment is lower than the agreed amount, this interest and charges will accumulate thus increasing your outstanding balance.<\\/p>\\r\\n<p>Generally, during the early stages of your credit agreement or debt review, a large portion of your instalments goes towards paying off your interest and other charges therefore your outstanding balance may decrease very slowly initially.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is the difference between repossession and voluntary surrender<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Repossession can happen when you have been in default of your debt repayment obligations for more than 20 business days and you do not respond to the notice from your credit provider to make a payment arrangement to bring up your arrears or refer the dispute to a debt counsellor, alternative dispute resolution or an ombud. The credit provider can then issue a summons and ask the court to grant the credit provider an order and a warrant which a sheriff can use to repossess the goods.<\\/p>\\r\\n<p>Voluntary surrender is when you voluntarily give up the asset especially where you feel that you can no longer afford to keep up with your payments. When you voluntarily surrender the goods, the credit provider must value those goods and provide you with the sale value of the goods. If you do not agree with that sale value, you can withdraw surrender of the goods. If you do not withdraw, the goods will be sold, as in the case of a repossession, and the proceeds (minus the credit provider\\u2019s reasonable expenses in selling the goods) will be debited to your account and you will be liable for the shortfall.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for a loan and was told that my application is declined because I\\u2019m under debt review. I do not know who listed me, what do I do?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may call the NCR, provide your ID number and we can check the details of your debt counsellor. You may also lodge a complaint against the debt counsellor if you believe you were placed under debt review without your consent.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>How do I know that the credit provider that I want to deal with is legit?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may check the registration details of a credit provider by searching for it on our website under \\u201ccredit providers\\u201d or you may call 0860 627\\u00a0627 to enquire. Avoid dealing with credit providers who charge upfront payment for a credit application. Report such credit providers to the NCR.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>There is a listing I do not agree with on my credit bureau report and I am blacklisted.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you do not agree with the information listed on your credit report, you may contact the credit bureau and lodge a dispute. The credit bureau will give you a reference number.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for debt review a few months ago but I realize that I do not want to continue with it anymore. I called the debt counsellor and told them to cancel me but they are unwilling to.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The National Credit Act does not make provision to cancel debt review. If you have been assessed and found to be over-indebted, you have to pay and settle all your debts in full before your debt counsellor can issue a certificate clearing your debt review.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I\\u2019m not satisfied with the services offered by my debt counsellor. He never responds to my email or calls. I want to cancel this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you are not satisfied with your debt counsellor\\u2019s service, you can transfer to another registered debt counselor of your choice.\\u00a0 A list of registered debt counsellors can be found on our website under \\u201cDebt Counsellor\\u201d.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have received a 17.W from my debt counsellor but I still can\\u2019t get credit, I\\u2019m told I am under debt review.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The 17.W only means that the debt counsellor has suspended his or her service. That does not mean you have been removed from debt review. You will remain under debt review until you have settled all the debts.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I joined debt review 3 years ago and my credit providers recently informed me that they are not receiving payments, how do I resolve this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may lodge an official complaint with our office. Send a detailed enquiry to <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a>. You may also access the complaint initiation form on our website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have been out of a job ever since the country went into lockdown. I do not have an income and my creditors are not offering any assistance.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Some credit providers have provided relief to their consumers\\/customers in line with the internal measures they have put in place. You may formally inform your creditor of your current state, however, kindly note that the relief they officer is solely at their discretion.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I want to apply for credit life insurance but I\\u2019m not sure how to go about it. I\\u2019m not receiving a salary because of the current pandemic.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may refer to your credit agreement to see if it covers this period. If you do not have it in your possession, you may request one from the credit provider or submit an application by obtaining the application forms from the credit provider.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I was financed by NSFAS more than 3 years ago. I\\u2019m unemployed and they never contacted me for payment. I was only contacted this year and I told them that the debt has prescribed but they are disputing this. Please assist.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Before a debt can prescribe it must first become due. If the credit provider is not aware that the debt is due because of something in the credit agreement making it the responsibility of the debtor to inform the credit provider that the debt is now due, prescription will not begin to run. If for example your NSFAS contract states that you must start paying back the debt when you start earning R20\\u00a0000.00 and NSFAS is not aware that you have been earning R20\\u00a0000.00, the debt has not prescribed.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 15:23:01\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 11:00:33\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 10:59:36\",\"publish_up\":\"2020-09-12 15:23:01\",\"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\":\"33\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(480,90,1,'','2020-09-23 11:06:06',915,3433,'706ab2ed4821c432977a3840e8491dfd82884da1','{\"id\":90,\"asset_id\":\"228\",\"title\":\"Complaints we can handle\",\"alias\":\"complaints-we-can-handle\",\"introtext\":\"<p><strong>The NCR can assist you with the following types of complaints:<\\/strong><\\/p>\\r\\n<ul type=\\\"disc\\\">\\r\\n<li>Cost of credit e.g. overcharging of interest, initiation fee, service fee, etc<\\/li>\\r\\n<li>The conduct of a debt counsellor<\\/li>\\r\\n<li>Credit related disputes against any credit provider<\\/li>\\r\\n<li>Complaints against credit bureaus, on condition that the issue was brought to the attention of the bureau prior to lodging a complaint with the NCR<\\/li>\\r\\n<li>Failure and\\/or refusal to issue statements of account or other documents relating to an existing credit agreement<\\/li>\\r\\n<li>Failure and\\/or refusal by a debt counsellor to issue a clearance certificate<\\/li>\\r\\n<li>Refusal by a credit provider to cancel an agreement during the cooling off period which is 5 days\\u00a0<\\/li>\\r\\n<li>Reckless lending<\\/li>\\r\\n<li>Non-adherence to section 127 &amp; 129 of the NCA by credit providers (taking legal action and repossessing assets without following the prescribed steps)<\\/li>\\r\\n<li>Non distribution of funds by a payment distribution agent and\\/or debt counsellor<\\/li>\\r\\n<li>Credit providers taking legal action whilst the consumer is under debt review<\\/li>\\r\\n<li>Credit provider\\u2019s failure to restructure accounts in accordance with a debt review court order<\\/li>\\r\\n<li>Unlawful termination of accounts by creditors<\\/li>\\r\\n<li>Overcharging of fees by debt counsellors<\\/li>\\r\\n<li>A debt counsellor\\u2019s failure to obtain a debt review court order<\\/li>\\r\\n<li>In-duplum-non-adherence to section 103(5) of the NCA<\\/li>\\r\\n<li>Credit provider collecting on prescribed debt<\\/li>\\r\\n<\\/ul>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 14:12:24\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 11:06:06\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 11:05:47\",\"publish_up\":\"2020-09-12 14:12:24\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":2,\"ordering\":\"2\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"8\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(481,92,1,'','2020-09-23 11:15:10',915,16940,'a7ef95f4f88b1cfb309712b8ed3f95ebf87b0caa','{\"id\":92,\"asset_id\":\"230\",\"title\":\"Frequently asked questions \",\"alias\":\"frequently-asked-questions\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p align=\\\"center\\\"><strong>QUESTION<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p align=\\\"center\\\"><strong>ANSWER<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Who can lodge a complaint with the NCR<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Any person can lodge a complaint in which the consumer is a natural person and in certain instances, if the consumer is a juristic person (e.g. company, partnership)<\\/p>\\r\\n<p>If you are a third party lodging a complaint on behalf of a consumer, you must obtain that consumer\\u2019s written consent.<\\/p>\\r\\n<p>The complaint form to initiate a complaint as well as the written consent form will be provided by the NCR or found on the Website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Are there limitations that apply to complaints<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If a period of 3 years or more has passed since the act or conduct that you wish to complain about, the NCR may be prevented from referring that conduct to the National Consumer Tribunal or a consumer court but may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<p>Secondly, if the person or entity that you wish to lodge a complaint against was previously referred to the National Consumer Tribunal for a complaint that is substantially similar to yours, the NCR may be limited from referring your complaint to the National Consumer Tribunal or a consumer court. The NCR may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is reckless lending?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Firstly, when a credit provider gives you credit without conducting an affordability assessment that is considered reckless lending. During the affordability assessment, the credit provider must make sure that you understand the terms of credit, must consider your credit bureau record as well as your existing financial means prospects and your debt obligations must be considered.<\\/p>\\r\\n<p>Secondly, credit will be reckless if the credit provider does conduct an affordability assessment but continues to give you credit even if the affordability assessment shows that you are over-indebted, or that you will become over-indebted if the credit provider gives you credit.<\\/p>\\r\\n<p>If you suspect that you were granted credit recklessly you may approach the NCR to lodge a complaint against the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is prescribed debt and what prevents a debt from prescribing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Loosely speaking, prescribed debt is debt that has expired and which a credit provider may not collect from you. Most debt prescribes after 3 years from the date of your last payment, but be careful, a judgment debt and a debt secured by a mortgage bond expires after 30 years.<\\/p>\\r\\n<p>The following prevents a debt from prescribing:<\\/p>\\r\\n<ul>\\r\\n<li>an acknowledgment of debt by a debtor (for example, if a debtor pays part of his\\/her debt to the creditor before prescription, or agrees (expressly or by implication) before the debt expires that he or she knows about the debt and that he or she owes that debt or<\\/li>\\r\\n<li>a summons served by the credit provider on the debtor in order to claim payment of the debt.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is credit life insurance<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>Credit life insurance is a sub-category of 3 other types of credit insurance. A credit provider may require you to take credit life insurance to cover your obligations to the credit provider in the event of your death, permanent or temporary disability, or in the event that you become unemployed or unable to earn an income.<\\/p>\\r\\n<p>The NCA prescribes the maximum cost of credit life insurance a credit provider may charge.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Can I refuse to take up credit life insurance and can I choose my own insurer<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The credit provider may require you to take up credit life insurance as a condition for giving you credit. So if you do not want to take up the credit life insurance, the credit provider may also refuse to grant you credit.<\\/p>\\r\\n<p>You may however choose to take up your own credit life insurance and not the one offered by the credit provider, as long as it covers the minimum benefits such as death or permanent disability and unemployment or inability to earn income. The credit provider must inform you that you have the right to choose your own insurance provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What are the charges that a credit provider can charge me for borrowing money?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>When the credit provider gives you credit, the credit provider can charge you interest, a service fee, an initiation fee, credit insurance, default administration charges and collection costs (for defaulting on your credit agreement).<\\/p>\\r\\n<p>The National Credit Act sets limits for all these costs. So if you suspect that you may have been charged more than the limit prescribed by the National Credit Act, you may lodge a complaint with the NCR.<\\/p>\\r\\n<p>There are other costs that a credit provider can charge you in addition to the above when you have an instalment sale agreement such as vehicle finance or for a mortgage bond. These are costs of an extended warranty agreement delivery, installation and initial fuelling charges connection fees, levies or charges taxes, licence or registration fees.<\\/p>\\r\\n<p>The above costs are referred to as the cost of credit in the National Credit Act.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is in duplum<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>In duplum loosely refers to a rule in terms of the National Credit Act that limits how much a credit provider can charge you while you are in default. According to this rule, if you default on your debt repayment obligations, the cost of credit cannot be more than the amount of the unpaid principal debt at the time that you defaulted for as long as you remain in default.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is set-off<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Set-off happens where you have a debt obligation with a credit provider such as a personal and you also have asset or a savings account for example held by the credit provider. If the credit provider takes funds from your savings account to pay into your overdue personal loan account without your consent - that is a set-off.<\\/p>\\r\\n<p>Set-off is not allowed unless your consent has been obtained by the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Why are my outstanding balancing increasing or not decreasing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Defaulting on your payments may lead to an increasing outstanding balance because when you don\\u2019t pay your account or you make short payments on your account, the credit provider may charge default interest and continues to charge contractual interest and other charges. If there is no instalment going into your account or the instalment is lower than the agreed amount, this interest and charges will accumulate thus increasing your outstanding balance.<\\/p>\\r\\n<p>Generally, during the early stages of your credit agreement or debt review, a large portion of your instalments goes towards paying off your interest and other charges therefore your outstanding balance may decrease very slowly initially.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is the difference between repossession and voluntary surrender<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Repossession can happen when you have been in default of your debt repayment obligations for more than 20 business days and you do not respond to the notice from your credit provider to make a payment arrangement to bring up your arrears or refer the dispute to a debt counsellor, alternative dispute resolution or an ombud. The credit provider can then issue a summons and ask the court to grant the credit provider an order and a warrant which a sheriff can use to repossess the goods.<\\/p>\\r\\n<p>Voluntary surrender is when you voluntarily give up the asset especially where you feel that you can no longer afford to keep up with your payments. When you voluntarily surrender the goods, the credit provider must value those goods and provide you with the sale value of the goods. If you do not agree with that sale value, you can withdraw surrender of the goods. If you do not withdraw, the goods will be sold, as in the case of a repossession, and the proceeds (minus the credit provider\\u2019s reasonable expenses in selling the goods) will be debited to your account and you will be liable for the shortfall.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for a loan and was told that my application is declined because I\\u2019m under debt review. I do not know who listed me, what do I do?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may call the NCR, provide your ID number and we can check the details of your debt counsellor. You may also lodge a complaint against the debt counsellor if you believe you were placed under debt review without your consent.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>How do I know that the credit provider that I want to deal with is legit?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may check the registration details of a credit provider by searching for it on our website under \\u201ccredit providers\\u201d or you may call 0860 627\\u00a0627 to enquire. Avoid dealing with credit providers who charge upfront payment for a credit application. Report such credit providers to the NCR.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>There is a listing I do not agree with on my credit bureau report and I am blacklisted.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you do not agree with the information listed on your credit report, you may contact the credit bureau and lodge a dispute. The credit bureau will give you a reference number.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for debt review a few months ago but I realize that I do not want to continue with it anymore. I called the debt counsellor and told them to cancel me but they are unwilling to.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The National Credit Act does not make provision to cancel debt review. If you have been assessed and found to be over-indebted, you have to pay and settle all your debts in full before your debt counsellor can issue a certificate clearing your debt review.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I\\u2019m not satisfied with the services offered by my debt counsellor. He never responds to my email or calls. I want to cancel this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you are not satisfied with your debt counsellor\\u2019s service, you can transfer to another registered debt counselor of your choice.\\u00a0 A list of registered debt counsellors can be found on our website under \\u201cDebt Counsellor\\u201d.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have received a 17.W from my debt counsellor but I still can\\u2019t get credit, I\\u2019m told I am under debt review.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The 17.W only means that the debt counsellor has suspended his or her service. That does not mean you have been removed from debt review. You will remain under debt review until you have settled all the debts.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I joined debt review 3 years ago and my credit providers recently informed me that they are not receiving payments, how do I resolve this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may lodge an official complaint with our office. Send a detailed enquiry to <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a>. You may also access the complaint initiation form on our website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have been out of a job ever since the country went into lockdown. I do not have an income and my creditors are not offering any assistance.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Some credit providers have provided relief to their consumers\\/customers in line with the internal measures they have put in place. You may formally inform your creditor of your current state, however, kindly note that the relief they officer is solely at their discretion.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I want to apply for credit life insurance but I\\u2019m not sure how to go about it. I\\u2019m not receiving a salary because of the current pandemic.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may refer to your credit agreement to see if it covers this period. If you do not have it in your possession, you may request one from the credit provider or submit an application by obtaining the application forms from the credit provider.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I was financed by NSFAS more than 3 years ago. I\\u2019m unemployed and they never contacted me for payment. I was only contacted this year and I told them that the debt has prescribed but they are disputing this. Please assist.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Before a debt can prescribe it must first become due. If the credit provider is not aware that the debt is due because of something in the credit agreement making it the responsibility of the debtor to inform the credit provider that the debt is now due, prescription will not begin to run. If for example your NSFAS contract states that you must start paying back the debt when you start earning R20\\u00a0000.00 and NSFAS is not aware that you have been earning R20\\u00a0000.00, the debt has not prescribed.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 15:23:01\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 11:15:10\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 11:08:58\",\"publish_up\":\"2020-09-12 15:23:01\",\"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\":\"40\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(482,92,1,'','2020-09-23 11:30:55',915,16941,'096f8acb2d47da6753b24e32b4e3926219c13bfc','{\"id\":92,\"asset_id\":\"230\",\"title\":\"Frequently asked questions \",\"alias\":\"frequently-asked-questions\",\"introtext\":\"<table class=\\\"table table-bordered table-striped\\\" border=\\\"1\\\" cellspacing=\\\"0\\\" cellpadding=\\\"0\\\">\\r\\n<tbody>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p align=\\\"center\\\"><strong>QUESTION<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p align=\\\"center\\\"><strong>ANSWER<\\/strong><\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Who can lodge a complaint with the NCR<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Any person can lodge a complaint in which the consumer is a natural person and in certain instances, if the consumer is a juristic person (e.g. company, partnership).<\\/p>\\r\\n<p>If you are a third party lodging a complaint on behalf of a consumer, you must obtain that consumer\\u2019s written consent.<\\/p>\\r\\n<p>The complaint form to initiate a complaint as well as the written consent form will be provided by the NCR or found on the Website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Are there limitations that apply to complaints<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If a period of 3 years or more has passed since the act or conduct that you wish to complain about, the NCR may be prevented from referring that conduct to the National Consumer Tribunal or a consumer court but may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<p>Secondly, if the person or entity that you wish to lodge a complaint against was previously referred to the National Consumer Tribunal for a complaint that is substantially similar to yours, the NCR may be limited from referring your complaint to the National Consumer Tribunal or a consumer court. The NCR may assist with informal resolution of the dispute if the dispute is against a credit provider or a credit bureau.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is reckless lending?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Firstly, when a credit provider gives you credit without conducting an affordability assessment that is considered reckless lending. During the affordability assessment, the credit provider must make sure that you understand the terms of credit, must consider your credit bureau record as well as your existing financial means prospects and your debt obligations must be considered.<\\/p>\\r\\n<p>Secondly, credit will be reckless if the credit provider does conduct an affordability assessment but continues to give you credit even if the affordability assessment shows that you are over-indebted, or that you will become over-indebted if the credit provider gives you credit.<\\/p>\\r\\n<p>If you suspect that you were granted credit recklessly you may approach the NCR to lodge a complaint against the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is prescribed debt and what prevents a debt from prescribing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Loosely speaking, prescribed debt is debt that has expired and which a credit provider may not collect from you. Most debt prescribes after 3 years from the date of your last payment, but be careful, a judgment debt and a debt secured by a mortgage bond expires after 30 years.<\\/p>\\r\\n<p>The following prevents a debt from prescribing:<\\/p>\\r\\n<ul>\\r\\n<li>an acknowledgment of debt by a debtor (for example, if a debtor pays part of his\\/her debt to the creditor before prescription, or agrees (expressly or by implication) before the debt expires that he or she knows about the debt and that he or she owes that debt or<\\/li>\\r\\n<li>a summons served by the credit provider on the debtor in order to claim payment of the debt.<\\/li>\\r\\n<\\/ul>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is credit life insurance<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>\\u00a0<\\/p>\\r\\n<p>Credit life insurance is a sub-category of 3 other types of credit insurance. A credit provider may require you to take credit life insurance to cover your obligations to the credit provider in the event of your death, permanent or temporary disability, or in the event that you become unemployed or unable to earn an income.<\\/p>\\r\\n<p>The NCA prescribes the maximum cost of credit life insurance a credit provider may charge.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Can I refuse to take up credit life insurance and can I choose my own insurer<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The credit provider may require you to take up credit life insurance as a condition for giving you credit. So if you do not want to take up the credit life insurance, the credit provider may also refuse to grant you credit.<\\/p>\\r\\n<p>You may however choose to take up your own credit life insurance and not the one offered by the credit provider, as long as it covers the minimum benefits such as death or permanent disability and unemployment or inability to earn income. The credit provider must inform you that you have the right to choose your own insurance provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What are the charges that a credit provider can charge me for borrowing money?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>When the credit provider gives you credit, the credit provider can charge you interest, a service fee, an initiation fee, credit insurance, default administration charges and collection costs (for defaulting on your credit agreement).<\\/p>\\r\\n<p>The National Credit Act sets limits for all these costs. So if you suspect that you may have been charged more than the limit prescribed by the National Credit Act, you may lodge a complaint with the NCR.<\\/p>\\r\\n<p>There are other costs that a credit provider can charge you in addition to the above when you have an instalment sale agreement such as vehicle finance or for a mortgage bond. These are costs of an extended warranty agreement delivery, installation and initial fuelling charges connection fees, levies or charges taxes, licence or registration fees.<\\/p>\\r\\n<p>The above costs are referred to as the cost of credit in the National Credit Act.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is in duplum<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>In duplum loosely refers to a rule in terms of the National Credit Act that limits how much a credit provider can charge you while you are in default. According to this rule, if you default on your debt repayment obligations, the cost of credit cannot be more than the amount of the unpaid principal debt at the time that you defaulted for as long as you remain in default.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is set-off<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Set-off happens where you have a debt obligation with a credit provider such as a personal and you also have asset or a savings account for example held by the credit provider. If the credit provider takes funds from your savings account to pay into your overdue personal loan account without your consent - that is a set-off.<\\/p>\\r\\n<p>Set-off is not allowed unless your consent has been obtained by the credit provider.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>Why are my outstanding balancing increasing or not decreasing<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Defaulting on your payments may lead to an increasing outstanding balance because when you don\\u2019t pay your account or you make short payments on your account, the credit provider may charge default interest and continues to charge contractual interest and other charges. If there is no instalment going into your account or the instalment is lower than the agreed amount, this interest and charges will accumulate thus increasing your outstanding balance.<\\/p>\\r\\n<p>Generally, during the early stages of your credit agreement or debt review, a large portion of your instalments goes towards paying off your interest and other charges therefore your outstanding balance may decrease very slowly initially.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>What is the difference between repossession and voluntary surrender<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Repossession can happen when you have been in default of your debt repayment obligations for more than 20 business days and you do not respond to the notice from your credit provider to make a payment arrangement to bring up your arrears or refer the dispute to a debt counsellor, alternative dispute resolution or an ombud. The credit provider can then issue a summons and ask the court to grant the credit provider an order and a warrant which a sheriff can use to repossess the goods.<\\/p>\\r\\n<p>Voluntary surrender is when you voluntarily give up the asset especially where you feel that you can no longer afford to keep up with your payments. When you voluntarily surrender the goods, the credit provider must value those goods and provide you with the sale value of the goods. If you do not agree with that sale value, you can withdraw surrender of the goods. If you do not withdraw, the goods will be sold, as in the case of a repossession, and the proceeds (minus the credit provider\\u2019s reasonable expenses in selling the goods) will be debited to your account and you will be liable for the shortfall.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for a loan and was told that my application is declined because I\\u2019m under debt review. I do not know who listed me, what do I do?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may call the NCR, provide your ID number and we can check the details of your debt counsellor. You may also lodge a complaint against the debt counsellor if you believe you were placed under debt review without your consent.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>How do I know that the credit provider that I want to deal with is legit?<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may check the registration details of a credit provider by searching for it on our website under \\u201ccredit providers\\u201d or you may call 0860 627\\u00a0627 to enquire. Avoid dealing with credit providers who charge upfront payment for a credit application. Report such credit providers to the NCR.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>There is a listing I do not agree with on my credit bureau report and I am blacklisted.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you do not agree with the information listed on your credit report, you may contact the credit bureau and lodge a dispute. The credit bureau will give you a reference number.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I applied for debt review a few months ago but I realize that I do not want to continue with it anymore. I called the debt counsellor and told them to cancel me but they are unwilling to.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The National Credit Act does not make provision to cancel debt review. If you have been assessed and found to be over-indebted, you have to pay and settle all your debts in full before your debt counsellor can issue a certificate clearing your debt review.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I\\u2019m not satisfied with the services offered by my debt counsellor. He never responds to my email or calls. I want to cancel this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>If you are not satisfied with your debt counsellor\\u2019s service, you can transfer to another registered debt counselor of your choice.\\u00a0 A list of registered debt counsellors can be found on our website under \\u201cDebt Counsellor\\u201d.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have received a 17.W from my debt counsellor but I still can\\u2019t get credit, I\\u2019m told I am under debt review.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>The 17.W only means that the debt counsellor has suspended his or her service. That does not mean you have been removed from debt review. You will remain under debt review until you have settled all the debts.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I joined debt review 3 years ago and my credit providers recently informed me that they are not receiving payments, how do I resolve this.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may lodge an official complaint with our office. Send a detailed enquiry to <a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a>. You may also access the complaint initiation form on our website.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I have been out of a job ever since the country went into lockdown. I do not have an income and my creditors are not offering any assistance.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Some credit providers have provided relief to their consumers\\/customers in line with the internal measures they have put in place. You may formally inform your creditor of your current state, however, kindly note that the relief they officer is solely at their discretion.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I want to apply for credit life insurance but I\\u2019m not sure how to go about it. I\\u2019m not receiving a salary because of the current pandemic.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>You may refer to your credit agreement to see if it covers this period. If you do not have it in your possession, you may request one from the credit provider or submit an application by obtaining the application forms from the credit provider.<\\/p>\\r\\n<p>\\u00a0<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<tr>\\r\\n<td valign=\\\"top\\\" width=\\\"396\\\">\\r\\n<p>I was financed by NSFAS more than 3 years ago. I\\u2019m unemployed and they never contacted me for payment. I was only contacted this year and I told them that the debt has prescribed but they are disputing this. Please assist.<\\/p>\\r\\n<\\/td>\\r\\n<td valign=\\\"top\\\" width=\\\"1007\\\">\\r\\n<p>Before a debt can prescribe it must first become due. If the credit provider is not aware that the debt is due because of something in the credit agreement making it the responsibility of the debtor to inform the credit provider that the debt is now due, prescription will not begin to run. If for example your NSFAS contract states that you must start paying back the debt when you start earning R20\\u00a0000.00 and NSFAS is not aware that you have been earning R20\\u00a0000.00, the debt has not prescribed.<\\/p>\\r\\n<\\/td>\\r\\n<\\/tr>\\r\\n<\\/tbody>\\r\\n<\\/table>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2020-09-12 15:23:01\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 11:30:55\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 11:15:10\",\"publish_up\":\"2020-09-12 15:23:01\",\"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\":\"41\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(483,19,1,'','2020-09-23 12:00:23',915,4825,'f1a5e918d0501f605cfe2b9f8a15a978e5227e44','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Mandate of the Complaints Department\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<p>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/p>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department5[2].pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 627627<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 12:00:23\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 11:57:35\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":36,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"263\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),(484,19,1,'','2020-09-23 12:02:09',915,4824,'7d00aeb1a5be2536900472e5d96ee93daecc8ee2','{\"id\":19,\"asset_id\":\"113\",\"title\":\"Mandate of the Complaints Department\",\"alias\":\"how-to-lodge-a-complaint\",\"introtext\":\"<p>The mandate of the Complaints Department in terms of Section 15 of the NCA is as follows:<\\/p>\\r\\n<ul>\\r\\n<li>To receive complaints concerning alleged contravention of the NCA<\\/li>\\r\\n<li>To evaluate alleged contraventions of the NCA<\\/li>\\r\\n<li>To promote effective and efficient informal resolution of disputes between consumers and credit providers or between consumers and credit bureaus<\\/li>\\r\\n<li>To investigate and ensure registrants comply with the NCA<\\/li>\\r\\n<li>To take enforcement steps as allowed for in the NCA where necessary\\u00a0<\\/li>\\r\\n<\\/ul>\\r\\n<p>The Call Centre is a division within the Complaints Department. It is the first point of contact with stakeholders for the NCR and is responsible for receiving enquiries related to alleged contraventions of the NCA. Enquiries are received telephonically, in writing and\\/or by visiting our offices.<br \\/> All enquiries are received and assessed in line with the NCA. Once the assessment of an enquiry is concluded, and allegations of a contravention of the NCA identified, the matter is captured on the Complaints ICT system where a reference number is generated and the complaint is allocated to an officer who will deal with such complaint in accordance with the NCA and internal processes and procedures.<\\/p>\\r\\n<p><img src=\\\"images\\/1645AD-NCR-Complaints-Process-Chart_07.jpg\\\" alt=\\\"\\\" width=\\\"800\\\" height=\\\"320\\\" \\/><\\/p>\\r\\n<p><a href=\\\"documents\\/NCR-A1-Poster-Complaints-Department5[2].pdf\\\">Click here to view the explanatory brochure<\\/a>\\u00a0<\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=89&amp;catid=14\\\"> Click here to view - Who can complain to us?<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=90&amp;catid=14\\\"> Click here to view - Complaints we can handle<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=91&amp;catid=14\\\">Click here to view - Complaints that fall outside the NCR\\u2019s mandate<\\/a><\\/p>\\r\\n<p><a href=\\\"index.php?option=com_content&amp;view=article&amp;id=92&amp;catid=14\\\">Click here to view - Frequently asked questions <\\/a><\\/p>\\r\\n<p><strong>How to lodge a complaint:<\\/strong><\\/p>\\r\\n<p>Any person may lodge a complaint with the Nation Credit Regulator in any of the following by using the following:<br \\/> <strong>Telephone:<\\/strong> 0860 62762<br \\/> <strong>Email: <\\/strong>\\u00a0<a href=\\\"mailto:complaints@ncr.org.za\\\">complaints@ncr.org.za<\\/a> <br \\/> <strong>Fax: <\\/strong>\\u00a0087 234 7789 or 087 234 7782<br \\/> Alternatively, you may visit our office: Monday to Thursday from 08h00 to 17h00 and<br \\/> Friday from 08h00 to 16h30<\\/p>\\r\\n<p>To complete a complaint initiation form (form 29), please <a href=\\\"..\\/documents\\/form 29 new.pdf\\\">click here<\\/a>. Note that if you are lodging a complaint on behalf of the consumer\\/complainant you must complete both the Complaint initiation form and <a href=\\\"documents\\/Written Consent Regulation 50(5).docx\\\">consent form<\\/a>.<\\/p>\",\"fulltext\":\"\",\"state\":1,\"catid\":\"14\",\"created\":\"2019-03-26 09:07:47\",\"created_by\":\"915\",\"created_by_alias\":\"\",\"modified\":\"2020-09-23 12:02:09\",\"modified_by\":\"915\",\"checked_out\":\"915\",\"checked_out_time\":\"2020-09-23 12:00:23\",\"publish_up\":\"2019-03-26 09:07:47\",\"publish_down\":\"0000-00-00 00:00:00\",\"images\":\"{\\\"image_intro\\\":\\\"\\\",\\\"float_intro\\\":\\\"\\\",\\\"image_intro_alt\\\":\\\"\\\",\\\"image_intro_caption\\\":\\\"\\\",\\\"image_fulltext\\\":\\\"\\\",\\\"float_fulltext\\\":\\\"\\\",\\\"image_fulltext_alt\\\":\\\"\\\",\\\"image_fulltext_caption\\\":\\\"\\\"}\",\"urls\":\"{\\\"urla\\\":false,\\\"urlatext\\\":\\\"\\\",\\\"targeta\\\":\\\"\\\",\\\"urlb\\\":false,\\\"urlbtext\\\":\\\"\\\",\\\"targetb\\\":\\\"\\\",\\\"urlc\\\":false,\\\"urlctext\\\":\\\"\\\",\\\"targetc\\\":\\\"\\\"}\",\"attribs\":\"{\\\"article_layout\\\":\\\"\\\",\\\"show_title\\\":\\\"\\\",\\\"link_titles\\\":\\\"\\\",\\\"show_tags\\\":\\\"\\\",\\\"show_intro\\\":\\\"\\\",\\\"info_block_position\\\":\\\"\\\",\\\"info_block_show_title\\\":\\\"\\\",\\\"show_category\\\":\\\"\\\",\\\"link_category\\\":\\\"\\\",\\\"show_parent_category\\\":\\\"\\\",\\\"link_parent_category\\\":\\\"\\\",\\\"show_associations\\\":\\\"\\\",\\\"show_author\\\":\\\"\\\",\\\"link_author\\\":\\\"\\\",\\\"show_create_date\\\":\\\"\\\",\\\"show_modify_date\\\":\\\"\\\",\\\"show_publish_date\\\":\\\"\\\",\\\"show_item_navigation\\\":\\\"\\\",\\\"show_icons\\\":\\\"\\\",\\\"show_print_icon\\\":\\\"\\\",\\\"show_email_icon\\\":\\\"\\\",\\\"show_vote\\\":\\\"\\\",\\\"show_hits\\\":\\\"\\\",\\\"show_noauth\\\":\\\"\\\",\\\"urls_position\\\":\\\"\\\",\\\"alternative_readmore\\\":\\\"\\\",\\\"article_page_title\\\":\\\"\\\",\\\"show_publishing_options\\\":\\\"\\\",\\\"show_article_options\\\":\\\"\\\",\\\"show_urls_images_backend\\\":\\\"\\\",\\\"show_urls_images_frontend\\\":\\\"\\\"}\",\"version\":37,\"ordering\":\"4\",\"metakey\":\"\",\"metadesc\":\"\",\"access\":\"1\",\"hits\":\"263\",\"metadata\":\"{\\\"robots\\\":\\\"\\\",\\\"author\\\":\\\"\\\",\\\"rights\\\":\\\"\\\",\\\"xreference\\\":\\\"\\\"}\",\"featured\":\"0\",\"language\":\"*\",\"xreference\":\"\"}',0),